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scale(.98)}}.hero-stats .stat-item{background:#ffffffd9;-webkit-backdrop-filter:blur(20px);backdrop-filter:blur(20px);border:1px solid rgba(255,255,255,.5);box-shadow:0 8px 32px #0f172a1a,inset 0 1px #fff9}.trust-badges{display:flex;justify-content:center;gap:1.5rem;margin-top:1.5rem;flex-wrap:wrap}.trust-badge{display:flex;align-items:center;gap:.5rem;font-size:.85rem;color:var(--color-text-muted);font-weight:500}.trust-badge svg{color:var(--color-success)}.scroll-indicator{position:absolute;bottom:2rem;left:50%;transform:translate(-50%);display:flex;flex-direction:column;align-items:center;gap:.5rem;color:var(--color-text-muted);font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;animation:bounce 2s ease infinite}@keyframes bounce{0%,20%,50%,80%,to{transform:translate(-50%) translateY(0)}40%{transform:translate(-50%) translateY(-10px)}60%{transform:translate(-50%) translateY(-5px)}}.brand-item{transition:all .4s 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.service-content-wrapper{grid-template-rows:1fr;padding-bottom:2rem}.service-content-inner{overflow:hidden;opacity:0;transform:translateY(-10px);transition:all .4s ease;transition-delay:0s;padding-left:calc(72px + 1.5rem)}.service-item.expanded .service-content-inner{opacity:1;transform:translateY(0);transition-delay:.2s}.service-content-inner p{margin-bottom:1.5rem;color:var(--color-text-muted);line-height:1.7}.service-carriers{font-size:.85rem;font-weight:500;color:var(--color-primary);padding:1rem 1.25rem;background:var(--color-surface-alt);border-radius:12px;margin-bottom:1.5rem;line-height:1.5;border-left:3px solid var(--color-accent)}.service-list{font-size:.95rem;color:var(--color-text-muted);list-style:none}.service-list li{margin-bottom:.5rem;padding-left:1.5rem;position:relative}.service-list li:before{content:"→";position:absolute;left:0;color:var(--color-accent);font-weight:700}@media (max-width: 768px){.service-header-row{grid-template-columns:60px 1fr;padding:1.5rem;gap:1rem}.service-icon-box{width:60px;height:60px}.service-toggle-icon{position:absolute;top:1.5rem;right:1.5rem}.service-content-inner{padding-left:0;padding-top:1rem}.service-item.expanded .service-content-wrapper{padding-bottom:1.5rem}}.service-badge{position:absolute;top:1.5rem;right:5rem;background:var(--gradient-gold);color:#fff;font-size:.7rem;font-weight:700;padding:.35rem .85rem;border-radius:50px;text-transform:uppercase;letter-spacing:.05em;box-shadow:0 4px 10px #f59e0b4d;z-index:2;pointer-events:none}@media (max-width: 768px){.service-badge{top:1rem;right:1rem;font-size:.6rem;padding:.25rem .6rem}.service-toggle-icon{top:4rem}}.spam-callout{display:flex;align-items:center;gap:1rem;margin-top:2rem;padding:1.25rem 1.5rem;background:linear-gradient(135deg,#3b82f614,#3b82f608);border-radius:16px;border:1px solid rgba(59,130,246,.15)}.spam-callout .callout-icon{font-size:2rem}.spam-callout .callout-content{flex:1}.spam-callout .callout-content strong{display:block;color:var(--color-primary);margin-bottom:.25rem}.spam-callout .callout-content p{margin:0;font-size:.9rem;color:var(--color-text-muted)}.team-section{padding-top:4rem}.team-grid{display:flex;justify-content:center;gap:5rem;flex-wrap:wrap;margin-top:4rem}.team-member{position:relative;width:100%;max-width:320px;group:1}.member-image-wrapper{position:relative;z-index:2;aspect-ratio:3/4;overflow:hidden;border-radius:2px;box-shadow:0 20px 40px -10px #0000001a,0 0 0 1px #0000000d;transition:transform .6s cubic-bezier(.2,1,.3,1),box-shadow .6s ease;background:#fff}.team-member:hover .member-image-wrapper{transform:translateY(-15px);box-shadow:0 30px 60px -15px #00000026,0 0 0 1px #0000000d}.member-photo{width:100%;height:100%;object-fit:cover;object-position:top;filter:grayscale(100%) contrast(1.1);transition:filter .6s ease,transform .8s ease}.team-member:hover .member-photo{filter:grayscale(0%) 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.member-info{border-left-color:var(--color-accent)}.member-role{font-family:var(--font-sans);font-size:.75rem;text-transform:uppercase;letter-spacing:.15em;color:var(--color-text-muted);margin-bottom:.5rem;font-weight:600;display:block}.member-name{font-family:var(--font-serif);font-size:2rem;font-weight:600;color:var(--color-primary);line-height:1;margin-bottom:1rem}.member-bio{font-family:var(--font-serif);font-style:italic;font-size:1rem;color:var(--color-text-muted);line-height:1.6;opacity:.8}.testimonial-card[data-category=health]{border-top:4px solid #3b82f6}.testimonial-card[data-category=life]{border-top:4px solid #10b981}.testimonial-card[data-category=annuity]{border-top:4px solid #f59e0b}.testimonial-card[data-category=business]{border-top:4px solid #8b5cf6}.testimonial-stars{color:var(--color-gold);font-size:1.25rem;letter-spacing:.1em;margin-bottom:1rem}.verified-badge{display:inline-flex;align-items:center;gap:.35rem;font-size:.75rem;color:var(--color-success);font-weight:600;margin-top:.5rem}.verified-badge svg{width:14px;height:14px}.testimonial-counter{font-size:.8rem;color:var(--color-text-muted);margin-top:1rem}.site-footer{background:linear-gradient(180deg,#0f172a,#020617);position:relative;overflow:hidden}.site-footer:before{content:"";position:absolute;top:0;left:0;right:0;height:1px;background:linear-gradient(90deg,transparent,var(--color-accent),var(--color-gold),var(--color-accent),transparent)}.footer-subtle{opacity:.7;font-size:.85em}.footer-subtle:hover{opacity:1}.contact-section{scroll-margin-top:80px}.form-group{margin-bottom:1.5rem}.form-group:last-of-type{margin-bottom:0}.form-card .grid{margin-bottom:1rem}.form-card .grid .form-group{margin-bottom:0}.form-card .text-center{margin-bottom:2.5rem}.checkbox-container{margin-top:.5rem}.form-input:focus,.form-select:focus,.form-textarea:focus{border-color:var(--color-accent);box-shadow:0 0 0 4px #3b82f61a,0 4px 12px #3b82f61a}.response-time{display:flex;align-items:center;justify-content:center;gap:.5rem;margin-top:1rem;font-size:.85rem;color:var(--color-text-muted)}.response-time svg{color:var(--color-success)}.nav-link.active{color:var(--color-accent)}.nav-link.active:after{content:"";position:absolute;bottom:-4px;left:0;right:0;height:2px;background:var(--color-accent);border-radius:2px}.article-header{padding-top:10rem;padding-bottom:6rem;position:relative;overflow:hidden;text-align:center;background:var(--color-bg)}.article-header:before{content:"";position:absolute;top:-50%;right:-50%;bottom:-50%;left:-50%;width:200%;height:200%;background:radial-gradient(circle at 50% 50%,rgba(59,130,246,.05) 0%,transparent 50%),radial-gradient(circle at 80% 20%,rgba(245,158,11,.03) 0%,transparent 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h2{font-size:1.75rem;margin-top:2.5rem;margin-bottom:1.25rem;display:flex;align-items:center;gap:.75rem;font-family:var(--font-serif);color:var(--color-primary)}.article-content h2:before{content:"";display:block;width:6px;height:24px;background:var(--color-accent);border-radius:4px}.article-content h3{font-size:1.4rem;margin-top:2rem;margin-bottom:1rem;color:var(--color-primary);font-family:var(--font-serif)}.article-content p{color:var(--color-text-muted);font-size:1.05rem;line-height:1.8;margin-bottom:1.5rem}.article-content ul,.article-content ol{color:var(--color-text-muted);margin-bottom:1.5rem;padding-left:1.5rem}.article-content li{margin-bottom:.75rem;line-height:1.6;position:relative}.definition-box{background:linear-gradient(135deg,#3b82f614,#3b82f605);border:1px solid rgba(59,130,246,.15);border-radius:16px;padding:2rem;margin-bottom:2.5rem}.definition-box strong{display:block;font-family:var(--font-serif);font-size:1.5rem;color:var(--color-accent);margin-bottom:.5rem}.example-box{background:#f8fafc;border:1px solid var(--color-border);border-radius:16px;padding:1.5rem;margin:2rem 0;position:relative}.example-box .label{position:absolute;top:-12px;left:20px;background:#fff;padding:0 10px;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:var(--color-accent);border:1px solid var(--color-border);border-radius:20px}.pro-tip{background:linear-gradient(135deg,#fffbeb,#fff7ed);border:1px solid #fcd34d;border-radius:16px;padding:1.5rem;margin:2rem 0;position:relative}.pro-tip .label{position:absolute;top:-12px;left:20px;background:#fff;padding:0 10px;font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;color:#b45309;border:1px solid #fcd34d;border-radius:20px}.related-terms{margin-top:3rem;padding-top:2rem;border-top:1px solid var(--color-border)}.related-terms h3{font-size:1rem;text-transform:uppercase;letter-spacing:.05em;color:var(--color-text-muted);margin-bottom:1rem}.related-terms ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.75rem}.related-terms li{margin:0}.related-terms li a{display:inline-block;padding:.5rem 1rem;background:var(--color-surface);border:1px solid var(--color-border);border-radius:50px;color:var(--color-text-main);text-decoration:none;font-size:.875rem;font-weight:500;transition:all .2s ease}.related-terms li a:hover{border-color:var(--color-accent);color:var(--color-accent);transform:translateY(-2px);box-shadow:var(--shadow-sm)}.faq-section{margin-top:3rem}.faq-item{margin-bottom:2rem}.faq-item h3{font-size:1.2rem;color:var(--color-primary);margin-bottom:.5rem}@media (max-width: 768px){.article-header{padding-top:8rem;padding-bottom:4rem}.article-card{padding:2rem;border-radius:0;box-shadow:none;border:none;background:transparent}.article-card:before{display:none}}.cta-box{background:var(--gradient-primary);border-radius:20px;padding:3rem;text-align:center;color:#fff;margin:3rem 0;position:relative;overflow:hidden;box-shadow:var(--shadow-lg);transition:transform .3s ease,box-shadow .3s ease}.cta-box:before{content:"";position:absolute;top:-50%;left:-50%;width:200%;height:200%;background:radial-gradient(circle at 50% 50%,rgba(59,130,246,.2) 0%,transparent 60%);animation:meshFloat 15s ease-in-out infinite;pointer-events:none}.cta-box:hover{transform:translateY(-5px);box-shadow:var(--shadow-xl)}.cta-box h3{font-size:1.75rem;margin-bottom:1rem;color:#fff;position:relative;z-index:1}.cta-box p{color:#ffffffe6;margin-bottom:2rem;font-size:1.1rem;position:relative;z-index:1;max-width:500px;margin-left:auto;margin-right:auto}.cta-box .btn{background:#fff;color:var(--color-accent);padding:1rem 2rem;border-radius:50px;font-weight:700;font-size:1.1rem;text-decoration:none;display:inline-flex;align-items:center;gap:.75rem;box-shadow:0 4px 15px #0003;transition:all .3s cubic-bezier(.4,0,.2,1);position:relative;z-index:1}.cta-box .btn:after{content:"→";transition:transform .3s ease;font-weight:800}.cta-box .btn:hover{transform:scale(1.05);box-shadow:0 10px 25px #0000004d;background:#fff;color:var(--color-primary)}.expansion-badge{display:inline-block;background:var(--color-success);color:#fff;padding:.375rem .875rem;border-radius:20px;font-size:.875rem;font-weight:600;margin-top:1rem;box-shadow:0 4px 10px #10b9814d}.expansion-badge.not-expanded{background:var(--color-error);box-shadow:0 4px 10px #ef44444d}.key-facts{background:linear-gradient(135deg,#3b82f60d,#3b82f603);border:1px solid rgba(59,130,246,.15);border-radius:16px;padding:2rem;margin-bottom:3rem}.key-facts h2{font-size:1.4rem;color:var(--color-primary);margin-bottom:1.5rem;font-family:var(--font-serif)}.key-facts ul{list-style:none;padding:0;margin:0}.key-facts li{display:flex;justify-content:space-between;padding:.75rem 0;border-bottom:1px solid rgba(0,0,0,.05);font-size:1rem}.key-facts li:last-child{border-bottom:none}.key-facts .label{color:var(--color-text-muted);font-weight:500}.key-facts .value{color:var(--color-primary);font-weight:700}.cost-table{width:100%;border-collapse:separate;border-spacing:0;margin:2rem 0;border:1px solid var(--color-border);border-radius:12px;overflow:hidden}.cost-table th,.cost-table td{padding:1rem 1.5rem;text-align:left;border-bottom:1px solid var(--color-border)}.cost-table th{background:#f8fafc;font-weight:600;color:var(--color-primary);text-transform:uppercase;font-size:.8rem;letter-spacing:.05em}.cost-table tr:last-child td{border-bottom:none}.cost-table td{color:var(--color-text-muted)}.info-box{background:#f8fafc;border-left:4px solid var(--color-accent);padding:1.5rem;margin:2rem 0;border-radius:0 8px 8px 0}.info-box.warning{border-left-color:var(--color-gold);background:#fffbeb}.info-box.success{border-left-color:var(--color-success);background:#f0fdf4}.related-links{background:var(--color-surface-alt);padding:2rem;border-radius:16px;margin-top:3rem}.related-links h3{font-size:1.1rem;margin-bottom:1.5rem}.related-links ul{display:flex;flex-wrap:wrap;gap:.75rem;padding:0;list-style:none}.related-links li a{display:inline-block;padding:.5rem 1rem;background:#fff;border:1px solid var(--color-border);border-radius:50px;color:var(--color-text-main);text-decoration:none;font-size:.875rem;font-weight:500;transition:all .2s ease}.related-links li a:hover{border-color:var(--color-accent);color:var(--color-accent);transform:translateY(-2px);box-shadow:var(--shadow-sm)}