@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;450;500;550;600;650;700&family=Libre+Caslon+Display&display=swap');
:root{--navy:#0b2b47;--blue:#124f86;--gold:#b99340;--ink:#16334a;--muted:#64717b;--line:#dedfdc;--white:#fff;--paper:#fafaf8;--serif:'Libre Caslon Display',Georgia,serif;--sans:'DM Sans',Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:108px}body{margin:0;color:var(--ink);font:16px/1.75 var(--sans);background:var(--white)}a{color:inherit;text-decoration:none}button{font:inherit}a,button,summary{-webkit-tap-highlight-color:transparent}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:6px}h1,h2,h3,p{margin:0}h1,h2,h3{font-weight:400}h1,h2,h3{font-family:var(--serif)}h2{font-size:clamp(2.8rem,4.5vw,4.6rem);line-height:1.08;letter-spacing:-.025em}em{font-weight:400;color:var(--gold)}p{color:var(--muted)}.section{padding:110px max(6%,calc((100vw - 1320px)/2))}.eyebrow{font:600 12px/1.7 var(--sans);letter-spacing:.18em;color:var(--gold);text-transform:uppercase;margin-bottom:24px}.button{display:inline-flex;align-items:center;justify-content:center;gap:36px;min-height:56px;padding:15px 25px;background:var(--navy);color:white;font-size:14px;font-weight:550;transition:transform .25s,background .25s,box-shadow .25s}.button:hover{transform:translateY(-3px);background:#164869;box-shadow:0 12px 26px #0b2b471c}.button span{font-size:20px}.button.small{min-height:46px;padding:10px 19px;gap:22px}.button.gold{background:#d1ae61;color:#112c40}.button.gold:hover{background:#e0c080}.button.outline{background:transparent;border:1px solid #9ba8b1;color:var(--navy)}.brand img{width:183px;height:76px;object-fit:contain}.skip{position:fixed;top:-100px;left:20px;z-index:100;background:white;padding:16px}.skip:focus{top:10px}header{height:102px;display:flex;align-items:center;justify-content:space-between;padding:0 5%;background:#fffffff5;position:sticky;top:0;z-index:50;border-bottom:1px solid #e6e8e8;backdrop-filter:blur(16px)}header nav{display:flex;gap:34px;font-size:14px}header nav a{position:relative}header nav a:after{content:'';position:absolute;bottom:-10px;left:0;width:0;height:1px;background:var(--gold);transition:width .3s}header nav a:hover:after{width:100%}.menu-toggle{display:none;background:transparent;border:0;color:var(--navy);font-size:25px}.hero{position:relative;min-height:730px;height:calc(100svh - 102px);max-height:1000px;overflow:hidden;color:white;background:#294555}.hero-image{position:absolute;inset:-5%;background:url('assets/coast.png') center 55%/cover;animation:hero-settle 2s ease-out;will-change:transform}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(3,23,39,.86),rgba(6,30,47,.5) 50%,rgba(5,20,35,.1)),linear-gradient(0deg,rgba(3,20,35,.5),transparent 35%)}.hero-content{position:relative;padding:95px 6% 130px;z-index:2}.hero h1{font-size:clamp(3.8rem,6.5vw,6.8rem);line-height:1.04;letter-spacing:-.025em;max-width:950px}.hero h1 em{color:#dec083}.hero .eyebrow{color:#dec083}.hero-sub{font-size:16px;letter-spacing:.09em;color:#f4f2ea;margin:27px 0 15px}.hero-description{color:#d4dce0;font-size:16px;line-height:1.8;margin-bottom:32px}.hero-bottom{position:absolute;bottom:0;left:6%;right:6%;padding:23px 0;display:flex;justify-content:space-between;border-top:1px solid #ffffff3a;font-size:12px;letter-spacing:.12em;z-index:3}.hero-bottom a{font-size:13px;letter-spacing:0}.hero-bottom a span{margin-left:30px}.hero-seal{position:absolute;right:8%;bottom:145px;width:180px;height:180px;border:1px solid #e0c38c70;border-radius:50%;display:flex;flex-direction:column;align-items:center;justify-content:center;box-shadow:0 0 0 12px #ffffff04,0 0 0 13px #e0c38c25;transform:rotate(-8deg);animation:seal-float 8s ease-in-out infinite}.hero-seal span{font-family:var(--serif);font-size:55px;letter-spacing:.07em;color:#e3cd9b}.hero-seal small{font-size:9px;letter-spacing:.15em;color:#e3cd9b}.intro{text-align:center;max-width:1550px;margin:auto}.intro>p:not(.eyebrow){max-width:825px;margin:30px auto 0;font-size:17px}.pillars{display:flex;align-items:center;justify-content:center;gap:38px;margin-top:46px;font:25px var(--serif)}.pillars i{width:5px;height:5px;border:1px solid var(--gold);transform:rotate(45deg)}.services{padding-top:50px}.section-heading{display:flex;justify-content:space-between;align-items:end;gap:70px;margin-bottom:52px}.section-heading>p{max-width:400px}.services-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0;perspective:1800px}.service{padding:32px 25px;border:1px solid var(--line);margin-left:-1px;background:linear-gradient(145deg,#fff,#fafbf9);transition:transform .4s,box-shadow .4s,border-color .4s;position:relative}.service:hover{transform:translateY(-9px) rotateX(2deg);box-shadow:0 24px 35px #0b2b4710;border-color:var(--gold);z-index:2}.service-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:36px}.service-icon{font-size:35px;color:var(--gold);line-height:1}.number{font:14px var(--sans);color:#98a1a6}.service h3{font-size:31px;line-height:1.15;margin-bottom:23px}.service>p{font-size:15px;min-height:136px;line-height:1.8}.tags{font-size:10px;letter-spacing:.06em;line-height:1.8;color:#7b704e;margin:24px 0 28px;min-height:36px}summary{cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;padding-top:20px;border-top:1px solid var(--line);font-size:14px}summary::-webkit-details-marker{display:none}summary span{font-size:23px;color:var(--gold);transition:transform .25s}details[open] summary span{transform:rotate(45deg)}.details-content{padding-top:20px;font-size:15px;color:var(--muted)}.details-content p{margin-top:14px}.about{background:var(--navy);color:white;position:relative;overflow:hidden}.about .eyebrow{color:#d6b66e}.about h2 em{color:#d6b66e}.about-heading{display:grid;grid-template-columns:1.2fr 1fr;gap:90px;align-items:center}.about p{color:#c1cbd4}.about-copy .lead{font-family:var(--serif);font-size:30px;line-height:1.35;color:#fff;margin-bottom:24px}.why-label{padding-top:65px;border-top:1px solid #ffffff2a;margin-top:58px}.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px 90px}.why-grid article{display:block}.why-grid h3{font-size:30px;margin-bottom:12px}.why-grid p{font-size:15px;max-width:450px}.leadership{display:grid;grid-template-columns:1fr 1fr;gap:11%;align-items:center}.portrait-frame{position:relative;margin-right:20px;box-shadow:22px 22px 0 #f0eee8;perspective:1200px}.portrait{width:100%;aspect-ratio:490/550;background-image:url('assets/yulma-ceo.png');background-size:cover;background-position:center top;background-repeat:no-repeat}.portrait-corner{position:absolute;right:-22px;bottom:-22px;height:100px;width:100px;border-right:1px solid var(--gold);border-bottom:1px solid var(--gold)}.portrait-caption{padding-top:50px}.portrait-caption .eyebrow{font-size:11px;letter-spacing:.10em;margin-bottom:11px}.portrait-caption h3{font-size:31px}.portrait-caption>p:last-child{font-size:13px;margin-top:5px}.portrait-caption span{padding:0 10px;color:var(--gold)}.leadership-copy .eyebrow{font-size:11px}.leadership-copy>p:not(.eyebrow){margin-bottom:20px}.gold-line{width:60px;height:1px;background:var(--gold);margin:30px 0}.text-link{display:inline-flex;gap:40px;border-bottom:1px solid var(--gold);font-size:14px;padding-bottom:9px;margin-top:12px}.text-link:hover{color:var(--gold)}.language{font-size:11px;letter-spacing:.15em;margin-top:26px}.purpose{display:grid;grid-template-columns:1fr 1fr;gap:10%;padding-top:30px;padding-bottom:80px}.purpose-item{border-top:1px solid var(--line);padding-top:42px}.purpose h3{font-size:40px;line-height:1.15;margin-bottom:22px}.purpose-item>p:last-child{font-size:15px}.carriers{padding-top:65px;padding-bottom:70px;text-align:center;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.carriers h2{font-size:42px}.carriers>p:not(.eyebrow){margin:20px auto 32px}.carrier-art{width:100%;aspect-ratio:1280/156;background-image:url('assets/IMG_0765.jpeg');background-size:100% auto;background-position:center 99%;background-repeat:no-repeat;filter:grayscale(1);opacity:.65;transition:filter .4s,opacity .4s}.carrier-art:hover{filter:grayscale(0);opacity:1}.carriers small{display:block;font-size:11px;color:var(--muted);margin-top:25px}.resource-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:30px}.resource-grid>a{border-top:1px solid var(--gold);border-bottom:1px solid var(--line);padding:28px 0;transition:transform .3s}.resource-grid>a:hover{transform:translateY(-5px)}.resource-grid .eyebrow{font-size:10px;letter-spacing:.12em}.resource-grid h3{font-size:28px;display:flex;justify-content:space-between;gap:10px;margin:17px 0 12px}.resource-grid h3 span{font:22px var(--sans);color:var(--gold)}.resource-grid p{font-size:14px}.contact{text-align:center;padding-top:50px;padding-bottom:100px}.contact h2{font-size:clamp(3.5rem,5.5vw,5.8rem)}.contact>p:not(.eyebrow){margin:25px auto}.contact-buttons{display:flex;justify-content:center;gap:15px;margin:32px auto 22px}.email{font-size:14px;overflow-wrap:anywhere}.contact .address{font-size:14px;line-height:1.9;color:var(--muted)}footer{padding:38px 6% 25px;border-top:1px solid var(--line)}.footer-top{display:flex;justify-content:space-between;align-items:center;gap:25px}.footer-top p{font-size:13px}.footer-top>a:last-child{font-size:13px}.footer-bottom{border-top:1px solid var(--line);margin-top:25px;padding-top:20px;display:flex;justify-content:space-between;gap:25px;font-size:11px;color:var(--muted)}.reveal{opacity:1;transform:none}.js-motion .reveal:not(.visible){opacity:0;transform:translateY(24px)}.js-motion .reveal{transition:opacity .75s ease,transform .75s ease}@keyframes hero-settle{from{transform:scale(1.04)}to{transform:scale(1)}}@keyframes seal-float{50%{transform:translateY(-12px) rotate(-3deg)}}
@media(min-width:1600px){.hero-content{padding-left:max(6%,calc((100vw - 1320px)/2))}}@media(max-width:1100px){header nav{gap:19px}.services-grid{grid-template-columns:repeat(2,1fr);row-gap:20px}.service>p{min-height:80px}.tags{min-height:0}.service h3{font-size:34px}.hero-seal{right:6%;width:145px;height:145px}.about-heading{gap:45px}.why-grid{gap:40px}.leadership{gap:7%}.resource-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:760px){html{scroll-padding-top:82px}.section{padding:72px 7%}header{height:82px;padding:0 5%}.brand img{width:143px;height:66px}header>.button{margin-left:auto;margin-right:16px;font-size:12px;min-height:40px;padding:7px 11px;gap:10px}header .button span{font-size:16px}.menu-toggle{display:block}header nav{display:none;position:absolute;top:82px;left:0;right:0;background:white;padding:25px 7% 35px;border-bottom:1px solid var(--line);box-shadow:0 15px 20px #0000000a}header nav.open{display:flex;flex-direction:column;gap:20px}.hero{min-height:700px;height:calc(100svh - 82px);max-height:900px}.hero-content{padding:82px 7% 110px}.hero h1{font-size:clamp(3.25rem,9.2vw,4.5rem)}.hero .eyebrow{font-size:10px}.hero-sub{font-size:13px;letter-spacing:.02em}.hero-description{font-size:15px}.hero-overlay{background:linear-gradient(90deg,#031a2ce6,#031a2c55),linear-gradient(0deg,#031a2c80,transparent)}.hero-image{background-position:64% center}.hero-seal{display:none}.hero-bottom{left:7%;right:7%;font-size:9px;letter-spacing:.04em;gap:20px}.hero-bottom a{font-size:11px}.hero-bottom a span{margin-left:8px}.intro>p:not(.eyebrow){font-size:16px}.pillars{gap:15px;flex-wrap:wrap;font-size:21px}.pillars i{width:3px;height:3px}.section-heading{display:block;margin-bottom:36px}.section-heading>p{margin-top:25px}.services{padding-top:20px}.services-grid{grid-template-columns:1fr}.service{padding:30px}.service>p{min-height:0;font-size:16px}.service h3 br{display:none}.service-top{margin-bottom:22px}.service h3{font-size:34px}.tags{font-size:10px}.about-heading{grid-template-columns:1fr;gap:32px}.about-copy .lead{font-size:27px}.why-label{margin-top:38px;padding-top:38px}.why-grid{grid-template-columns:1fr;gap:32px}.why-grid h3{font-size:29px}.leadership{grid-template-columns:1fr;gap:60px}.portrait-frame{max-width:450px}.portrait-caption h3{font-size:30px}.purpose{grid-template-columns:1fr;gap:50px;padding-top:0}.purpose h3{font-size:37px}.carriers h2{font-size:34px}.carrier-art{margin-left:-4%;width:108%}.carriers small{font-size:10px}.resources{padding-bottom:50px}.resource-grid{gap:24px}.resource-grid h3{font-size:25px}.resource-grid .eyebrow{font-size:9px}.resource-grid p{font-size:13px}.contact{padding-top:35px}.contact h2{font-size:3.4rem}.contact-buttons{flex-direction:column;align-items:stretch;max-width:360px}.contact .email{font-size:12px}.footer-top{flex-wrap:wrap}.footer-top p{order:3;width:100%;font-size:12px}.footer-bottom{flex-direction:column;gap:10px}.eyebrow{font-size:11px}.desktop{display:none}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{animation:none!important;transition:none!important}.js-motion .reveal:not(.visible){opacity:1;transform:none}}

/* Editorial photography for the four service cards. */
.service-photo{position:relative;overflow:hidden;aspect-ratio:3/2;margin:-32px -25px 27px;background:var(--navy);border-bottom:2px solid var(--gold)}
.service-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center;transition:transform .65s ease;filter:saturate(.83)}
.service-photo::after{content:"";position:absolute;inset:0;pointer-events:none;background:linear-gradient(180deg,transparent 45%,rgba(11,43,71,.2))}
.service:hover .service-photo img{transform:scale(1.035)}
.service .service-top{margin-bottom:24px}
@media(max-width:760px){.service-photo{margin:-30px -30px 26px}}
@media(prefers-reduced-motion:reduce){.service:hover .service-photo img{transform:none}}

.service-description{font-size:16px;line-height:1.8;color:var(--muted);text-align:justify;text-justify:inter-word;hyphens:auto;overflow-wrap:break-word}
.service-description p{margin-top:18px}

/* Keep carrier branding in full color from the initial page load. */
.carrier-art,
.carrier-art:hover{filter:none;opacity:1}

/* Justify long-form copy while preserving intentional UI and display alignment. */
.intro>p:not(.eyebrow),
.section-heading>p,
.about-copy>p,
.why-grid p,
.leadership-copy>p:not(.eyebrow):not(.language),
.purpose-item>p:last-child,
.service-description,
.details-content p{
  text-align:justify;
  text-justify:inter-word;
  hyphens:auto;
  overflow-wrap:break-word;
}

/* Individual carrier marks preserve brand proportions across screen sizes. */
.carrier-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:20px 24px;align-items:center;margin:34px auto 0}
.carrier-logo{display:flex;align-items:center;justify-content:center;min-width:0;height:90px}
.carrier-original{display:block;width:100%;background-image:url('assets/IMG_0765.jpeg');background-repeat:no-repeat}
.carrier-logo img{display:block;width:100%;height:100%;object-fit:contain}
.pacific-logo{filter:url(#pacific-background)}
.fg-logo{display:block;width:100%;aspect-ratio:960/217;background:url('assets/fg-annuities-life.jpg') 51.4% center/159.79% 100% no-repeat}
@media(max-width:1100px){.carrier-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:20px 28px}}
@media(max-width:560px){.carrier-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:18px 22px}.carrier-logo{height:75px}}

.footer-disclaimer{max-width:75rem;margin:20px 0 0;color:var(--muted);font-size:.875rem;line-height:1.7;text-align:left}