:root{--navy:#0b1f3a;--navy-2:#13315c;--ink:#1d2939;--muted:#5b6b80;--line:#e3e8ef;--bg:#f6f8fb;--white:#fff;--accent:#e0ac3e;--accent-dk:#a87818;--gold-light:#f3d27a;--radius:14px;--shadow:0 10px 30px rgba(11,31,58,.08)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,4.5vw,3.3rem)}h2{font-size:clamp(1.6rem,3vw,2.3rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}a{color:var(--navy-2)}
.container{width:min(1140px,92%);margin:0 auto}
.placeholder{background:#fff4d6;color:#8a5a00;border:1px dashed #d4a24c;padding:0 .35em;border-radius:4px;font-family:ui-monospace,Menlo,monospace;font-size:.9em;white-space:nowrap}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:var(--navy);font-weight:700;letter-spacing:.02em}
.brand svg{width:38px;height:38px}.brand small{display:block;font-weight:500;color:var(--muted);font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
.nav-links{display:flex;gap:1.4rem;align-items:center;list-style:none;margin:0;padding:0}
.nav-links a{text-decoration:none;color:var(--ink);font-weight:500;font-size:.95rem}
.nav-links a:hover,.nav-links a.active{color:var(--accent-dk)}
.dropdown{position:relative}.dropdown-menu{display:none;position:absolute;top:100%;left:-1rem;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:.5rem;min-width:230px;list-style:none;margin:0}
.dropdown:hover .dropdown-menu,.dropdown:focus-within .dropdown-menu{display:block}
.dropdown-menu a{display:block;padding:.5rem .75rem;border-radius:6px}.dropdown-menu a:hover{background:var(--bg)}
.nav-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy);cursor:pointer}
.btn{display:inline-block;padding:.85rem 1.5rem;border-radius:999px;font-weight:600;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:.2s}
.btn-primary{background:var(--accent);color:var(--navy)}.btn-primary:hover{background:var(--accent-dk);color:#fff}
.btn-outline{border-color:rgba(255,255,255,.6);color:#fff}.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-2)}
.nav-links .btn{color:var(--navy);padding:.55rem 1.1rem}
/* hero */
.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 500px at 85% -10%,rgba(212,162,76,.28),transparent 60%),linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:96px 0 110px}
.hero h1,.hero h2{color:#fff}.hero p.lead{font-size:1.2rem;color:#d6deea;max-width:620px}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.eyebrow{display:inline-block;text-transform:uppercase;letter-spacing:.16em;font-size:.78rem;font-weight:700;color:var(--accent);margin-bottom:1rem}
.hero-actions{display:flex;gap:1rem;flex-wrap:wrap;margin-top:1.8rem}
.hero-art svg{width:100%;height:auto;max-width:380px;display:block;margin-left:auto}
.hero.small{padding:70px 0 76px}
.hero-badges{display:flex;gap:1.5rem;flex-wrap:wrap;margin-top:2rem;font-size:.92rem;color:#c8d3e3}
.hero-badges span::before{content:"✓";color:var(--accent);margin-right:.4rem;font-weight:700}
.wave{position:absolute;bottom:-1px;left:0;width:100%;height:60px}
/* sections */
section{padding:84px 0}.section-alt{background:var(--bg)}
.section-head{max-width:720px;margin:0 auto 3rem;text-align:center}.section-head p{color:var(--muted);font-size:1.08rem}
.grid{display:grid;gap:1.5rem}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:var(--shadow);transition:.2s}
a.card{text-decoration:none;color:inherit;display:block}a.card:hover{transform:translateY(-4px);border-color:var(--accent)}
.card .icon{width:52px;height:52px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-2));display:grid;place-items:center;margin-bottom:1.1rem}
.card .icon svg{width:26px;height:26px;stroke:var(--accent);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card p{color:var(--muted);margin:0}.card .more{display:inline-block;margin-top:1rem;font-weight:600;color:var(--accent-dk)}
.compare{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem;margin-top:2rem}
.compare .card h3{font-size:1.1rem}.compare ul{margin:0;padding-left:1.2rem;color:var(--muted)}.compare .us{border-color:var(--accent);border-width:2px}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.step{position:relative;padding:2rem 1.8rem;background:#fff;border-radius:var(--radius);border:1px solid var(--line)}
.step::before{counter-increment:s;content:counter(s);display:grid;place-items:center;width:46px;height:46px;border-radius:50%;background:var(--accent);color:var(--navy);font-weight:800;font-size:1.2rem;margin-bottom:1rem}
.step p{color:var(--muted);margin:0}
.carriers{display:flex;flex-wrap:wrap;justify-content:center;gap:.75rem;max-width:900px;margin:0 auto}
.carriers span{padding:.6rem 1.15rem;border:1px solid var(--line);border-radius:999px;background:#fff;font-weight:600;color:var(--navy);font-size:.95rem}
.carriers span.andmore{border-style:dashed;color:var(--muted);font-weight:500}
.fine{font-size:.85rem;color:var(--muted);text-align:center;margin-top:1.2rem}
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;border-radius:22px;padding:3.2rem;display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap}
.cta-band h2{color:#fff;margin:0 0 .3rem}.cta-band p{color:#c8d3e3;margin:0}
/* content pages */
.content-grid{display:grid;grid-template-columns:1.6fr 1fr;gap:3rem;align-items:start}
.prose h2{margin-top:1.6em}.prose h2:first-child{margin-top:0}.prose ul{padding-left:1.2rem}.prose li{margin-bottom:.4em}
.aside{position:sticky;top:96px}.aside .card h3{margin-bottom:.4rem}.aside .card p{margin-bottom:1rem}
.checklist{list-style:none;padding:0}.checklist li{padding-left:1.8rem;position:relative;margin-bottom:.7rem}
.checklist li::before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230b1f3a' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5L20 7'/%3E%3C/svg%3E") center/12px no-repeat}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1.1rem 1.3rem;margin-bottom:.8rem}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--accent-dk)}.faq details[open] summary::after{content:"–"}
.faq details p{margin:.8rem 0 0;color:var(--muted)}
.callout{border-left:4px solid var(--accent);background:var(--bg);padding:1rem 1.3rem;border-radius:0 10px 10px 0;color:var(--ink)}
.values{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:.35rem;color:var(--navy)}
input,select,textarea{width:100%;padding:.8rem .9rem;border:1px solid #cfd8e3;border-radius:10px;font:inherit;font-size:1rem;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--accent);box-shadow:0 0 0 3px rgba(212,162,76,.25)}
.field{margin-bottom:1rem}.form-note{font-size:.85rem;color:var(--muted)}
.checkbox{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.9rem;color:var(--muted)}.checkbox input{width:auto;margin-top:.3rem}
/* footer */
.site-footer{background:var(--navy);color:#b9c5d6;padding:64px 0 28px;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.site-footer h4{color:#fff;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 1rem}
.site-footer a{color:#b9c5d6;text-decoration:none}.site-footer a:hover{color:var(--accent)}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:.5rem}
.site-footer .brand{color:#fff}.site-footer .brand small{color:#8fa0b7}
.licensing{margin-top:2.5rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.12);font-size:.82rem;color:#8fa0b7}
.licensing strong{color:#d6deea}
/* responsive */
@media (max-width:960px){.hero-grid,.content-grid{grid-template-columns:1fr}.hero-art{display:none}.grid-3,.steps,.values{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.aside{position:static}}
@media (max-width:760px){
 .nav-toggle{display:block}
 .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:1rem 4%;border-bottom:1px solid var(--line);gap:.2rem}
 .nav-links.open{display:flex}.nav-links a{display:block;padding:.6rem 0}
 .dropdown-menu{display:block;position:static;box-shadow:none;border:0;padding:0 0 0 1rem}
 .grid-3,.grid-2,.steps,.values,.compare,form .row,.footer-grid{grid-template-columns:1fr}
 section{padding:60px 0}.hero{padding:64px 0 80px}.cta-band{padding:2rem}}
/* team */
.team-grid{display:flex;flex-wrap:wrap;justify-content:center;gap:1.25rem;max-width:900px;margin:0 auto}
.team-grid .member{flex:0 1 200px}
.member{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1rem;text-align:center;box-shadow:var(--shadow)}
.member .avatar{width:76px;height:76px;margin:0 auto 1rem;border-radius:50%;display:grid;place-items:center;background:linear-gradient(135deg,var(--navy),var(--navy-2));color:var(--accent);font-family:Georgia,serif;font-size:1.6rem;font-weight:700;border:3px solid var(--accent);letter-spacing:.04em}
.member h3{font-size:1.05rem;margin-bottom:.2rem}.member p{color:var(--muted);font-size:.9rem;margin:0}
.member.lead{border-color:var(--accent);border-width:2px}.member.lead .avatar{background:var(--accent);color:var(--navy);border-color:var(--navy)}

/* ===== Branding: SET LIFE wordmark (gold) ===== */
.bn{white-space:nowrap;font-weight:800}
.bn .set{color:var(--accent-dk);font-weight:900;letter-spacing:.06em}
.bn .co{color:var(--navy);font-weight:700}
.hero .bn .set,.site-footer .bn .set,.cta-band .bn .set{color:var(--accent);background:linear-gradient(180deg,var(--gold-light),var(--accent));-webkit-background-clip:text;background-clip:text;-webkit-text-fill-color:transparent}
.hero .bn .co,.site-footer .bn .co,.cta-band .bn .co{color:#fff}
.site-header{border-top:4px solid var(--accent);border-bottom:1px solid var(--line)}
.nav{height:80px}
.brand svg{width:46px;height:46px}
.wordmark .bn{display:block;font-family:Georgia,"Times New Roman",serif;font-size:1.45rem;line-height:1.05}
.wordmark .bn .set{font-family:"Inter",-apple-system,"Segoe UI",Roboto,Arial,sans-serif;letter-spacing:.08em}
.wordmark small{margin-top:.2rem;color:var(--accent-dk)!important;font-weight:700!important}
.site-footer .wordmark small{color:var(--accent)!important}
.hero-wordmark{font-family:Georgia,serif;font-size:clamp(1.6rem,3.2vw,2.4rem);margin-bottom:.9rem;line-height:1.1}
.hero-wordmark .set{font-family:"Inter",-apple-system,"Segoe UI",Roboto,Arial,sans-serif}
.hero{border-bottom:0;background:radial-gradient(1200px 520px at 85% -10%,rgba(224,172,62,.38),transparent 60%),radial-gradient(700px 300px at 0% 110%,rgba(224,172,62,.16),transparent 70%),linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%)}
.hero h1 em{color:var(--accent);font-style:italic}
.eyebrow{color:var(--accent-dk)}.hero .eyebrow{color:var(--gold-light)}
.hero .eyebrow .bn .set{-webkit-text-fill-color:var(--accent);background:none}
.section-head h2::after{content:"";display:block;width:64px;height:4px;border-radius:4px;background:var(--accent);margin:.7rem auto 0}
.card{border-top:3px solid var(--accent)}
.member{border-top:3px solid var(--accent)}
.site-footer{border-top:5px solid var(--accent)}
.site-footer h4{color:var(--accent)}
.site-footer .email a,.aside .email a{word-break:break-all}
.cta-band{border:2px solid var(--accent)}
.nav-links a:hover,.nav-links a.active{color:var(--accent-dk);font-weight:600}
@media (max-width:760px){.nav-links{top:84px}.wordmark .bn{font-size:1.15rem}.brand svg{width:38px;height:38px}}
.member img.avatar{display:block;object-fit:cover;padding:0}