@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Caslon+Display&display=swap');
:root{--navy:#152c39;--gold:#bc965c;--paper:#faf9f6;--ink:#233743;--muted:#5d686c;--line:#dedfd9;--serif:'Libre Caslon Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:16px/1.7 var(--sans)}a{color:inherit;text-underline-offset:5px}button,input,select,textarea{font:inherit}button,a,input,select,textarea{touch-action:manipulation}a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #a77733;outline-offset:5px}.skip{position:fixed;top:-80px;left:10px;z-index:20;background:white;padding:10px}.skip:focus{top:10px}.wrap{max-width:1240px;margin:auto;padding:0 48px}.topbar{background:var(--navy);color:#e8e6dd;text-align:center;font-size:12px;letter-spacing:.13em;padding:8px 20px}header{background:var(--paper);border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:102px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px;line-height:1.2}.mark{width:34px;height:42px;border:1.5px solid var(--gold);border-radius:3px 3px 17px 17px;display:grid;place-items:center;color:#96703a;font-family:Georgia,serif;font-size:22px}.brand strong{display:block;font-family:var(--serif);font-weight:400;font-size:28px}.brand small{display:block;font-size:9px;letter-spacing:.16em;text-transform:uppercase;margin-top:7px}nav{display:flex;gap:26px;align-items:center}nav a{text-decoration:none;font-size:14px;white-space:nowrap}nav a[aria-current=page]{text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:2px}.button{display:inline-flex;align-items:center;justify-content:center;gap:14px;background:var(--navy);color:white;text-decoration:none;border:1px solid var(--navy);padding:15px 23px;font-size:14px;font-weight:600;cursor:pointer;line-height:1.5;border-radius:2px}.button:hover{background:#284654}.button.gold{background:#d2b17c;border-color:#d2b17c;color:#182e3c}.button.outline{background:transparent;color:var(--navy)}.menu-button{display:none}.eyebrow{text-transform:uppercase;font-size:11px;letter-spacing:.19em;font-weight:600;color:#806134;display:block;margin-bottom:20px}.hero{display:grid;grid-template-columns:1fr 1fr;min-height:570px}.hero-copy{padding:65px 45px 55px max(48px,calc((100vw - 1144px)/2));display:flex;flex-direction:column;align-items:flex-start;justify-content:center}.hero h1{font-size:76px;line-height:1.01;letter-spacing:-.035em;margin:0 0 26px;font-family:var(--serif);font-weight:400}.hero h1 em{font-weight:400;color:#967140;font-style:normal}.hero p{max-width:415px;color:var(--muted);font-size:16px;margin:0 0 27px}.hero-photo{position:relative;min-height:540px;overflow:hidden}.hero-photo img{width:100%;height:100%;object-fit:cover;object-position:70% center;position:absolute}.photo-caption{position:absolute;bottom:24px;left:30px;color:white;font:22px var(--serif);text-shadow:0 1px 8px #152c39}.text-link{display:inline-block;font-size:14px;font-weight:500;margin-top:20px}.values{display:flex;justify-content:space-around;gap:24px;border-bottom:1px solid var(--line);padding:22px 30px;font-size:12px;letter-spacing:.07em}.values span:before{content:'—';color:#9a7441;margin-right:12px}.section{padding:85px 0}h1,h2,h3{font-weight:400;line-height:1.13}h2{font-family:var(--serif);font-size:48px;margin:0 0 25px;letter-spacing:-.02em}h3{font-family:var(--serif);font-size:30px;margin:0 0 15px}p{margin:0 0 20px}.muted{color:var(--muted)}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.portrait{min-height:345px;background:#e7e8e1;display:flex;align-items:center;justify-content:center;text-align:center;border:1px solid #d4d8d0;color:#52615e;padding:35px}.portrait-inner{max-width:220px}.portrait .initial{display:block;font:70px var(--serif);color:#89978e;margin-bottom:20px}.portrait small{font-size:13px}.note{font-size:13px;color:var(--muted)}.dark{background:var(--navy);color:#f8f7f3}.dark .eyebrow{color:#d2b17c}.dark .muted{color:#c6d0d4}.scenario{border-top:1px solid #58707a;margin-top:28px}.scenario div{display:flex;justify-content:space-between;padding:16px 0;border-bottom:1px solid #58707a;gap:20px}.scenario small{color:#c6d0d4}.section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:35px}.section-head h2{margin-bottom:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.card{padding:30px;border:1px solid var(--line);background:#fff}.card .number{display:block;color:#99703a;font-size:13px;margin-bottom:28px}.card p{font-size:15px;color:var(--muted)}.card a{font-size:14px}.resource-list{border-top:1px solid var(--line)}.resource{display:grid;grid-template-columns:50px 1fr 30px;align-items:center;gap:20px;text-decoration:none;padding:25px 0;border-bottom:1px solid var(--line)}.resource:hover h3{color:#967140}.resource h3{font-size:28px;margin:4px 0}.resource small{color:var(--muted);font-size:12px;text-transform:uppercase;letter-spacing:.1em}.resource .number{color:#967140;font-size:13px}.soft{background:#efeee7}.check-promo{display:grid;grid-template-columns:1.3fr 1fr;gap:70px;align-items:center}.mini-list{list-style:none;padding:0;margin:0}.mini-list li{padding:13px 0;border-bottom:1px solid #d5d5cd}.mini-list li:before{content:'✓';color:#846435;margin-right:17px}.steps{counter-reset:steps;display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:40px}.step:before{counter-increment:steps;content:'0' counter(steps);display:block;color:#99703a;border-top:1px solid var(--line);padding-top:18px;margin-bottom:25px;font-size:13px}.step p{color:var(--muted);font-size:15px}.cta{text-align:center;padding:65px 25px}.cta p{color:#c6d0d4}.cta h2{max-width:650px;margin:0 auto 18px}footer{padding:55px 0 25px}.footer-top{display:flex;justify-content:space-between;gap:35px;margin-bottom:40px}.footer-links{display:flex;gap:25px;font-size:13px;flex-wrap:wrap}.fine{border-top:1px solid var(--line);padding-top:20px;color:var(--muted);font-size:12px}.fine p{margin-bottom:10px}.page-hero{padding:65px 0 50px;border-bottom:1px solid var(--line)}.page-hero h1{font:64px/1.05 var(--serif);max-width:850px;margin:0 0 25px;letter-spacing:-.02em}.page-hero p{max-width:690px;font-size:18px;color:var(--muted)}.reading{max-width:800px;margin:auto;padding:55px 35px 80px}.reading h2{font-size:37px;margin-top:38px}.reading h3{font-size:28px;margin-top:28px}.reading li{margin-bottom:10px}.reading ul{padding-left:23px}.callout{border-left:3px solid var(--gold);padding:22px 26px;background:#efeee7;margin:30px 0}.callout p:last-child{margin-bottom:0}.detail-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}.detail-grid .card{height:100%}details{padding:22px 0;border-bottom:1px solid var(--line)}summary{cursor:pointer;font-size:19px;font-weight:500}details p{margin:16px 0 0}.facts{display:grid;grid-template-columns:170px 1fr;gap:0;font-size:15px}.facts dt,.facts dd{padding:13px 0;border-bottom:1px solid var(--line);margin:0}.facts dt{font-weight:600}.placeholder{color:#765722}.book-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:65px;align-items:start}.form-card{background:#fff;padding:35px;border:1px solid var(--line)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:20px}label{display:block;font-size:14px;font-weight:500}input:not([type=checkbox]),select,textarea{display:block;width:100%;background:var(--paper);border:1px solid #acb4b6;color:var(--ink);padding:12px;margin-top:7px;border-radius:2px;min-width:0}.full{grid-column:1/-1}textarea{min-height:110px;resize:vertical}.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;margin:22px 0}.consent input{margin-top:6px}.status{margin-top:20px;padding:18px;background:#f0ede3;border:1px solid #bda579}.checklist{list-style:none;padding:0!important}.checklist label{font-size:16px;display:flex;gap:17px;padding:19px 0;border-bottom:1px solid var(--line);cursor:pointer}.checklist input{width:20px;height:20px;margin-top:4px;accent-color:var(--navy);flex-shrink:0}.checklist input:checked+span{color:#65776b}.checklist small{display:block;font-weight:400;color:var(--muted);margin-top:4px}.progress{height:4px;background:#dedfd9;margin:15px 0 25px}.progress div{height:100%;background:#99703a;transition:width .2s}.actions{display:flex;gap:15px;flex-wrap:wrap}.source{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:20px;margin-top:35px}.preview-label{font-size:13px;background:#ece6d9;padding:12px 16px;border-left:3px solid var(--gold);margin-bottom:24px}[hidden]{display:none!important}
@media(min-width:1500px){.hero{max-height:680px}.hero h1{font-size:88px}}@media(max-width:1050px){.wrap{padding:0 28px}.header-inner{gap:20px}nav{gap:16px}.brand strong{font-size:24px}nav .button{padding:12px}.hero-copy{padding:50px 28px}.hero h1{font-size:61px}.split{gap:40px}.cards{gap:15px}.card{padding:24px}.book-layout{gap:30px}}@media(max-width:780px){.header-inner{min-height:86px;flex-wrap:wrap;padding-top:17px;padding-bottom:17px}.brand strong{font-size:25px}.brand small{font-size:8px}.menu-button{display:block;background:transparent;border:1px solid #b5bebc;padding:8px 12px;font-size:14px;color:var(--navy)}nav{display:none;width:100%;flex-direction:column;align-items:stretch;padding:15px 0 5px;gap:0}nav.open{display:flex}nav a{padding:12px 0}.hero{grid-template-columns:1fr}.hero-copy{padding:45px 28px}.hero h1{font-size:65px;max-width:480px}.hero-photo{min-height:360px}.hero-photo img{object-position:center 60%}.values{flex-wrap:wrap;gap:10px 24px;font-size:11px;padding:20px}.section{padding:58px 0}.split,.check-promo,.book-layout{grid-template-columns:1fr;gap:32px}.cards,.steps{grid-template-columns:1fr;gap:20px}.card .number{margin-bottom:18px}h2{font-size:41px}.section-head{align-items:start;flex-direction:column;gap:15px}.section-head .text-link{margin-top:0}.portrait{min-height:260px}.resource{grid-template-columns:25px 1fr 18px;gap:10px}.resource h3{font-size:25px}.footer-top{flex-direction:column}.footer-links{gap:15px}.page-hero{padding:45px 0 32px}.page-hero h1{font-size:48px}.page-hero p{font-size:16px}.detail-grid{grid-template-columns:1fr}.reading{padding:30px 28px 60px}.form-card{padding:25px}.facts{grid-template-columns:1fr}.facts dt{border:0;padding-bottom:0}.facts dd{padding-top:3px}.topbar{font-size:10px}.fields{grid-template-columns:1fr}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}@media print{header,footer,.topbar,.actions,.cta,.skip{display:none!important}.reading{max-width:none;padding:0}.page-hero{padding:15px 0}body{background:white;color:black}.checklist label{break-inside:avoid}.progress{display:none}}
.logo-shield{display:block;position:relative;overflow:hidden;width:48px;height:53px;flex-shrink:0;border-radius:3px;background:#542b23}.logo-shield img{position:absolute;width:258px;max-width:none;height:172px;left:-105px;top:-26px}.full-logo{display:block;width:250px;height:auto;margin:0 0 30px;border-radius:2px}.footer-brand .logo-shield{display:none}
@media(min-width:781px){.hero-photo img{object-position:100% center}}
@media(max-width:780px){.header-inner{gap:12px}.header-inner .brand strong{font-size:21px}.header-inner .brand small{font-size:7px;letter-spacing:.08em}.header-inner .logo-shield{width:42px}.menu-button{padding:8px 10px}}
.advisor-portrait{margin:0}.advisor-portrait img{display:block;width:100%;height:auto;max-height:590px;object-fit:cover;object-position:center 20%;border-radius:2px}.advisor-portrait figcaption{padding:14px 0;font-size:17px;font-weight:500}.advisor-portrait figcaption span{display:block;font-size:12px;color:var(--muted);font-weight:400;margin-top:3px}@media(max-width:780px){.advisor-portrait img{max-height:470px}}

/* A prominent family-centred message below the opening hero. */
.values.emotional-message{display:grid;grid-template-columns:1fr 1fr;align-items:center;gap:36px;background:var(--navy);color:#fff;padding:38px max(28px,calc((100vw - 1144px)/2));border:0;text-align:center;letter-spacing:0}.emotional-message p{font-size:clamp(22px,2.2vw,30px);font-weight:600;line-height:1.4;margin:0}.emotional-message p+p{border-left:1px solid #647078;padding-left:36px}.emotional-message strong{font-weight:700}.emotional-message strong span{color:#e4c693}.values.emotional-message span:before{content:none}.hero-copy>.text-link{margin-top:3px;font-size:16px;font-weight:600}@media(max-width:600px){.values.emotional-message{grid-template-columns:1fr;gap:24px;padding:30px 24px}.emotional-message p+p{border-left:0;border-top:1px solid #647078;padding:24px 0 0}.emotional-message p{font-size:23px}}

/* Clear, prominent titles for the three family-protection steps. */
.cards .card h3{font-family:var(--sans);font-size:26px;font-weight:700;line-height:1.3;letter-spacing:-.02em;color:var(--navy)}