:root{--ink:#102c33;--teal:#073b42;--teal2:#0b5259;--sea:#157c7b;--copper:#d9a66d;--copper2:#f4ce9f;--paper:#f7f8f4;--pale:#e9f1ee;--line:#d5e1de;--muted:#586b6d;--white:#fff;--radius:20px;--shadow:0 18px 45px rgba(10,49,53,.10)}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:100px}body{margin:0;font:16px/1.67 system-ui,-apple-system,BlinkMacSystemFont,'Segoe UI',sans-serif;color:var(--ink);background:var(--paper)}img{max-width:100%;height:auto}button,input,select,textarea{font:inherit}button,a{-webkit-tap-highlight-color:transparent}a{color:var(--sea)}a:hover{text-decoration:none}a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--copper);outline-offset:3px}h1,h2,h3,h4{line-height:1.13;letter-spacing:-.035em;color:var(--teal);margin:0 0 .55em}h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(2.75rem,5vw,5.2rem);font-weight:600}h2{font-family:Georgia,'Times 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a{color:#eef5ef;text-decoration:none}.top-dot{margin:0 13px;color:#9aada6}.site-header{position:sticky;top:0;z-index:100;background:rgba(247,248,244,.97);backdrop-filter:blur(15px);border-bottom:1px solid #e1e8e3}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:83px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--teal);flex:0 0 auto;line-height:1.1}.brand img{width:43px;height:43px}.brand strong{font-size:1.17rem;font-weight:900;letter-spacing:.025em;display:block}.brand small{font-size:.51rem;letter-spacing:.115em;font-weight:800;display:block;margin-top:5px}.brand-accent{color:#be8855}.desktop-nav{display:flex;align-items:center;gap:clamp(10px,1.4vw,23px)}.desktop-nav a{white-space:nowrap;text-decoration:none;font-size:.77rem;font-weight:750;color:#294b50;padding:8px 0;border-bottom:2px solid transparent}.desktop-nav a:hover,.desktop-nav a[aria-current=page]{border-color:#b47a44;color:#063f47}.small-call{padding:10px 15px;border:1px solid #aac3be;border-radius:30px;text-decoration:none;color:#063e45;font-size:.8rem;font-weight:800;white-space:nowrap}.header-end{display:flex;gap:12px;align-items:center}.menu-toggle{display:none;border:1px solid #bdd0cc;background:#fff;border-radius:12px;width:44px;height:44px;padding:9px;flex-direction:column;justify-content:space-around}.menu-toggle span{background:#0c4046;height:2px;width:100%;display:block}.mobile-nav{display:none}.btn{display:inline-flex;justify-content:center;align-items:center;text-align:center;gap:9px;border:1px solid transparent;padding:15px 21px;min-height:53px;border-radius:9px;font-weight:800;font-size:.91rem;line-height:1.2;text-decoration:none;cursor:pointer;transition:transform .2s ease,background .2s ease;color:#0b3439}.btn:hover{transform:translateY(-2px)}.btn-copper{background:var(--copper);color:#172d30}.btn-copper:hover{background:#edba82}.btn-outline{border-color:#92b1aa;background:transparent;color:#0f5558}.btn-outline:hover{background:#eff5f1}.btn-pale{background:#f5f8f4;color:#163f44}.btn-dark{background:#0d4b51;color:#fff}.btn-dark:hover{background:#13616a}.btn-quiet{border-color:#93b3b5;color:#f3faf8}.btn-block{display:flex;width:100%;margin:12px 0}.hero{overflow:hidden;position:relative}.hero-home{background:linear-gradient(132deg,#eaf3ef,#f9f8f1 55%,#f5e9d8);padding:74px 0 85px}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;align-items:center;gap:44px;min-height:540px}.hero-copy{z-index:1}.hero-copy h1{max-width:750px}.hero-copy .lead{max-width:590px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.proof-row{display:flex;align-items:center;gap:16px;flex-wrap:wrap;margin-top:42px;font-size:.76rem;font-weight:750;color:#416d6b}.proof-row span{position:relative;padding-left:18px}.proof-row span:before{content:'✓';position:absolute;left:0;color:#007d70}.hero-art{height:550px;position:relative;display:flex;align-items:center;justify-content:center}.orbit{position:absolute;border:1px solid #b3d5cc;border-radius:50%;width:530px;height:530px;transform:rotate(-20deg)}.orbit-one{border-width:26px;border-color:rgba(9,105,104,.06)}.orbit-two{width:390px;height:390px;border-color:rgba(209,153,95,.4)}.portrait-frame{position:absolute;bottom:15px;right:40px;width:min(400px,86%);height:495px;border-radius:205px 205px 28px 28px;background:#b3cdc7;overflow:hidden;box-shadow:var(--shadow)}.portrait-frame img{width:100%;height:100%;object-fit:cover;object-position:center 20%;display:block}.portrait-name{position:absolute;bottom:0;left:0;right:0;padding:20px 21px 24px;color:#fff;background:linear-gradient(0deg,rgba(5,34,40,.95),transparent)}.portrait-name strong,.portrait-name small{display:block}.portrait-name strong{font-size:1.21rem}.portrait-name small{font-size:.78rem}.float-note{position:absolute;top:68px;left:-16px;max-width:188px;padding:19px 22px;background:#fff;box-shadow:var(--shadow);border-radius:14px;z-index:2;font-size:.85rem;font-weight:800;line-height:1.55;color:#16464b;transform:rotate(-5deg)}.float-icon{display:block;font-size:1.4rem;color:#bd7a41}.hero-interior{background:linear-gradient(125deg,#e8f2ed 0%,#f8f8f3 70%);padding:76px 0 83px}.interior-grid{display:grid;grid-template-columns:1.45fr .55fr;gap:65px;align-items:center}.interior-grid h1{font-size:clamp(2.6rem,4.4vw,4.45rem)}.breadcrumb{display:flex;gap:11px;margin-bottom:24px;align-items:center;font-size:.8rem;color:#5a7270}.breadcrumb a{color:#356260}.hero-side{align-self:stretch;display:flex;align-items:center}.hero-fact{background:#0c4c53;color:#e7f2ec;padding:34px;border-radius:22px;width:100%;box-shadow:var(--shadow);position:relative;overflow:hidden}.hero-fact:after{content:'';position:absolute;border:35px solid rgba(255,255,255,.04);width:165px;height:165px;right:-95px;top:-125px;border-radius:50%}.hero-fact h2{color:#fff;font-size:1.85rem;margin-bottom:12px}.hero-fact p{font-size:.93rem;color:#dce9e4}.hero-fact a{color:var(--copper2)}.fact-mark{font-size:3rem;color:#d6b28a;margin-bottom:20px}.quote-panel{background:#0b414a;color:#e4f2ee;padding:50px max(27px,calc((100vw - 1138px)/2));margin:0 auto}.quote-head{display:flex;justify-content:space-between;gap:30px}.quote-head h2{color:#fff;max-width:710px;margin-bottom:12px}.quote-head p{max-width:830px;color:#d4e4df}.quote-spark{font-size:5rem;color:#c6aa80;line-height:1}.quote-actions{display:flex;flex-wrap:wrap;gap:12px;margin:23px 0}.micro{font-size:.77rem;color:#647778;line-height:1.65}.quote-panel .micro{color:#bcd3d2;max-width:940px;margin:0}.quote-panel code{font-size:.75rem}.services-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:17px}.service-card{background:#fff;border:1px solid #dce5e2;display:block;text-decoration:none;color:var(--ink);border-radius:18px;padding:27px;min-height:246px;box-shadow:0 4px 12px rgba(0,0,0,.025);transition:transform .2s,border-color .2s}.service-card:hover{border-color:#9ebfba;transform:translateY(-3px)}.service-glyph{display:flex;align-items:center;justify-content:center;background:#e1f0eb;border-radius:14px;color:#0e696b;width:49px;height:49px;font-size:1.65rem;margin-bottom:21px}.service-card h3{margin-bottom:10px}.service-card p{font-size:.92rem;color:#627676;margin-bottom:14px}.text-link{color:#0b6f71;font-weight:800;text-decoration:none;font-size:.85rem}.trust-strip{display:flex;justify-content:center;flex-wrap:wrap;gap:0;background:#dfece7;padding:27px 20px}.trust-strip>div{padding:4px 54px;text-align:center;border-right:1px solid #b8cdc5}.trust-strip>div:last-child{border:0}.trust-strip strong,.trust-strip small{display:block}.trust-strip strong{font-size:1rem}.trust-strip small{font-size:.81rem;color:#536969}.split-content{display:grid;grid-template-columns:1.2fr 1fr;gap:80px;align-items:center}.feature-list{background:#fff;padding:36px 43px;border-radius:21px;border:1px solid var(--line);box-shadow:var(--shadow)}.feature-list li{padding:5px 0}.feature-list li::marker{color:#c49b68}.section-soft p{color:#3e6262}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 285px;gap:72px;align-items:start}.article-content .section-heading{margin-bottom:35px}.content-section{padding:28px 0 25px;border-top:1px solid #d1dfdc}.content-section h2{font-size:clamp(1.6rem,2.5vw,2.05rem)}.content-section p{color:#3c555a;font-size:1.015rem;line-height:1.87}.content-section a{font-weight:750}.aside-sticky{position:sticky;top:124px;padding:26px;background:#f0f5f1;border:1px solid #d4e2dc;border-radius:18px}.aside-sticky h3{font-size:1.32rem}.aside-sticky p{font-size:.89rem;color:#5f7776}.aside-links{border-top:1px solid #cadcd5;margin-top:22px;padding-top:15px;display:grid;gap:8px}.aside-links a{font-size:.83rem}.mini-faq{max-width:900px;margin:auto}.faq-list{display:grid;gap:9px;margin-bottom:24px}.faq-item{background:#fff;border:1px solid #d3e0dc;border-radius:12px;overflow:hidden}.faq-item[open]{border-color:#a9c9bf;box-shadow:0 8px 24px rgba(7,62,66,.055)}.faq-item summary{cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:20px;padding:20px 24px;font-size:1rem;font-weight:800;line-height:1.48;color:#123b42;list-style:none}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary span{font-size:1.5rem;font-weight:400;color:#087278;flex:none}.faq-item[open] summary span{transform:rotate(45deg)}.faq-answer{padding:0 24px 23px;color:#496064;font-size:.945rem;line-height:1.8}.faq-answer p:last-child{margin-bottom:0}.faq-answer a{color:#0c757a}.faq-page .faq-list{max-width:920px}.faq-controls{background:#eef4f0;padding:21px;border-radius:14px;margin:22px 0}.faq-search-label{font-weight:750;font-size:.86rem;color:#234a4a;display:block}.faq-search-label input{display:block;border:1px solid #bfd2cc;padding:13px 16px;border-radius:10px;width:100%;margin-top:8px;background:#fff}.faq-filters{display:flex;gap:8px;flex-wrap:wrap;margin-top:17px}.filter-btn{border:1px solid #bcd1ca;border-radius:30px;background:#fff;color:#275653;cursor:pointer;padding:7px 12px;font-size:.8rem;font-weight:750}.filter-btn.active,.filter-btn:hover{background:#0c5157;color:#fff;border-color:#0c5157}.faq-controls .micro{margin:14px 0 0}.empty-state{padding:26px;background:#fff;border:1px solid #d5e3df;border-radius:12px}.insurer-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:16px}.insurer-card{padding:22px;border:1px solid var(--line);background:#fff;border-radius:14px}.insurer-card h3{font-size:1rem}.insurer-card p{color:#5a7070;font-size:.84rem}.insurer-initials{display:inline-flex;justify-content:center;align-items:center;border-radius:9px;background:#e3eee9;color:#196e70;padding:8px;min-width:43px;height:43px;margin-bottom:17px;font-weight:800}.compare-table-wrap{overflow-x:auto;border-radius:13px;border:1px solid var(--line)}.compare-table{width:100%;border-collapse:collapse;min-width:540px;background:#fff}.compare-table th{background:#10505a;color:#fff;text-align:left}.compare-table th,.compare-table td{padding:16px 20px;border-bottom:1px solid #dce6e1}.compare-table td:first-child{font-weight:800}.calculator{background:#fff;padding:38px;border-radius:21px;border:1px solid var(--line)}.calc-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:15px}.calc-grid label{font-weight:750;font-size:.81rem;color:#3d5a5a}.calc-grid input{display:block;width:100%;border:1px solid #becfcb;border-radius:9px;padding:12px;margin-top:8px;background:#fafdfe;color:#173c42;min-height:45px}.calc-result{background:#0c4b52;color:#fff;border-radius:12px;padding:18px;grid-column:span 1}.calc-result small,.calc-result strong{display:block}.calc-result strong{font-size:clamp(1.2rem,2vw,1.9rem);margin:10px 0;overflow-wrap:anywhere}.calc-result small{font-size:.72rem;line-height:1.5}.resource-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.resource-card{text-decoration:none;color:var(--ink);background:#fff;padding:27px;border:1px solid var(--line);border-radius:15px}.resource-card p{color:#5f7373}.resource-card h3{font-size:1.25rem}.about-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:start}.about-grid p{font-size:1.07rem;color:#485f60;line-height:1.9}.about-photo{margin:0;background:#e3edeb;padding:13px;border-radius:21px}.about-photo img{border-radius:13px;width:100%;height:500px;object-fit:cover;object-position:center 25%}.about-photo figcaption{font-size:.82rem;color:#4d6c69;padding:10px 4px}.contact-layout{display:grid;grid-template-columns:1fr 1.1fr;gap:40px}.contact-panel{padding:30px;border:1px solid var(--line);background:#f0f6f1;border-radius:19px}.contact-panel a{font-weight:750}.button-stack{display:grid;gap:11px;margin-top:20px}.contact-form{background:#fff;border:1px solid var(--line);padding:32px;border-radius:18px}.contact-form label{font-weight:750;display:block;margin:16px 0;font-size:.85rem}.contact-form input,.contact-form select,.contact-form textarea{display:block;width:100%;border:1px solid #bbcfca;border-radius:10px;background:#fafcfa;padding:12px 15px;margin-top:7px}.contact-form textarea{resize:vertical}.legal-text{max-width:870px}.legal-text h2{font-size:1.9rem;margin-top:35px}.source-note{max-width:1192px;margin:0 auto 80px;padding:19px 27px;color:#4a6667;border-top:1px solid var(--line);font-size:.77rem}.bottom-cta{background:#0b434b;padding:58px 0;color:#d1e3de}.bottom-layout{display:flex;align-items:center;justify-content:space-between;gap:35px}.bottom-layout h2{color:#fff;font-size:clamp(1.65rem,2.7vw,2.45rem);max-width:680px}.bottom-layout p{max-width:620px;margin:0}.bottom-actions{display:grid;gap:11px;min-width:210px}.site-footer{background:#072f36;color:#b9cdca;padding:68px 0 0}.footer-columns{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:35px}.site-footer .brand{color:#fff;margin-bottom:20px}.site-footer .brand strong{color:#fff}.site-footer p{font-size:.84rem}.site-footer h3{color:#fff;font-size:.9rem;letter-spacing:0}.site-footer ul{padding:0;list-style:none}.site-footer li{margin:9px 0}.site-footer a{color:#d8e9e3;text-decoration:none}.site-footer a:hover{text-decoration:underline}.footer-brand address{font-size:.84rem;font-style:normal;line-height:1.8}.footer-office .micro{color:#9db7b5}.copyright{display:flex;align-items:center;justify-content:space-between;gap:15px;border-top:1px solid #25535b;margin-top:47px;padding-block:19px;color:#aac2bd;font-size:.72rem}.mobile-sticky{display:none}
@media(max-width:1170px){.desktop-nav{gap:10px}.desktop-nav a{font-size:.71rem}.brand strong{font-size:1.04rem}.brand small{font-size:.45rem}.header-inner{gap:11px}.small-call{padding:8px 10px}.float-note{left:0}}
@media(max-width:980px){.desktop-nav{display:none}.menu-toggle{display:flex}.mobile-nav:not([hidden]){display:grid;gap:0;background:#fff;box-shadow:var(--shadow);padding:8px 24px 20px;border-top:1px solid #e0e8e3}.mobile-nav a{color:#12434a;text-decoration:none;padding:12px 5px;border-bottom:1px solid #e1eae5;font-weight:750}.mobile-nav a[aria-current=page]{color:#aa6737}.hero-grid{gap:15px}.float-note{display:none}.portrait-frame{right:0;width:88%}.interior-grid{gap:25px}.article-layout{gap:30px;grid-template-columns:minmax(0,1fr) 245px}.footer-columns{grid-template-columns:1.5fr 1fr;gap:30px}.insurer-grid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:720px){body{font-size:15px}.container{padding-inline:18px}.topline-inner>span{display:none}.topline-inner{justify-content:center;min-height:33px;font-size:.71rem}.header-inner{min-height:68px}.brand img{width:38px;height:38px}.brand strong{font-size:1.03rem}.brand small{font-size:.45rem}.small-call{display:none}.hero-home{padding:44px 0 38px}.hero-grid{display:flex;flex-direction:column;align-items:stretch}.hero-copy h1{font-size:clamp(2.6rem,10vw,4rem)}.lead{line-height:1.65}.hero-actions{gap:9px}.hero-actions .btn{flex:1 1 160px}.proof-row{margin-top:25px;gap:9px}.proof-row span{font-size:.68rem}.hero-art{height:350px}.orbit-one{width:350px;height:350px}.orbit-two{width:270px;height:270px}.portrait-frame{width:min(320px,80%);height:335px;left:50%;right:auto;transform:translateX(-50%);bottom:0}.portrait-name{padding:12px 18px 15px}.portrait-name strong{font-size:1rem}.portrait-name small{font-size:.66rem}.hero-interior{padding:42px 0 50px}.interior-grid{display:block}.hero-fact{margin-top:31px;padding:23px}.hero-fact .fact-mark{display:none}.hero-fact h2{font-size:1.45rem}.hero-fact p{margin:0}.breadcrumb{font-size:.72rem;flex-wrap:wrap;line-height:1.4}.interior-grid h1{font-size:clamp(2.55rem,9vw,3.5rem)}.quote-panel{padding:42px 19px}.quote-spark{display:none}.quote-actions{display:grid}.quote-head h2{font-size:1.85rem}.section{padding-top:55px;padding-bottom:55px}.section-heading{margin-bottom:22px}.services-grid,.resource-grid,.insurer-grid{grid-template-columns:1fr}.service-card{min-height:0;padding:23px}.service-glyph{margin-bottom:12px}.trust-strip>div{width:100%;border-right:0;border-bottom:1px solid #bfd4cd;padding:16px}.trust-strip>div:last-child{border-bottom:0}.split-content,.article-layout,.about-grid,.contact-layout{display:block}.feature-list{margin-top:30px;padding:25px}.article-aside{margin-top:20px}.aside-sticky{position:static}.content-section{padding:24px 0 17px}.calc-grid{grid-template-columns:1fr}.calculator{padding:22px}.calc-result{grid-column:span 1}.faq-controls{padding:15px}.faq-item summary{font-size:.91rem;padding:16px}.faq-answer{padding:0 16px 20px}.about-photo{margin-top:30px;max-width:400px}.bottom-layout{display:block}.bottom-actions{margin-top:25px}.site-footer{padding-top:50px}.footer-columns{grid-template-columns:1fr 1fr;gap:22px}.footer-brand{grid-column:span 2}.copyright{display:block;padding-bottom:90px}.copyright span{display:block;margin-bottom:7px}.mobile-sticky{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:150;padding:8px 10px max(9px,env(safe-area-inset-bottom));background:#fff;box-shadow:0 -6px 25px rgba(0,0,0,.12);gap:7px}.mobile-sticky a{background:#0b4e54;border-radius:9px;text-align:center;padding:10px 5px;text-decoration:none;color:#fff;flex:1;font-size:.8rem;font-weight:800;line-height:1.25}.mobile-sticky a:last-child{background:var(--copper);color:#102c33}.source-note{margin-bottom:40px;padding-inline:19px}.contact-form{padding:23px}}
@media(max-width:380px){.brand strong{font-size:.92rem}.brand small{font-size:.405rem}.header-inner{gap:5px}.brand{gap:6px}.menu-toggle{width:41px;height:41px}.hero-actions .btn{flex-basis:100%}.mobile-sticky a{font-size:.69rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}

/* PB Cambridge compliance branding and accessible mobile contact header, 2026-10-16 */
.header-inner{max-width:1500px;gap:16px}
.brand strong{font-size:1.35rem;letter-spacing:-.025em;white-space:nowrap}
.brand small{font-size:.58rem;letter-spacing:.06em;white-space:nowrap}
.brand-accent{color:#aa6737}
.header-end{display:flex;align-items:center;gap:12px;flex-shrink:0}
.header-contact{display:flex;align-items:center;gap:9px}
.header-phone{display:flex;align-items:center;gap:9px;padding:8px 10px;text-decoration:none;color:#073b42;border:1px solid #b7d0cb;border-radius:12px;background:#fff;white-space:nowrap;min-height:52px}
.header-phone-copy{display:flex;flex-direction:column;line-height:1.1}
.header-phone-copy small{font-weight:850;letter-spacing:.05em;color:#466663;font-size:.61rem;margin-bottom:4px}
.header-phone-copy strong{font-weight:900;letter-spacing:-.025em;font-size:1.21rem;font-variant-numeric:tabular-nums}
.header-whatsapp{display:inline-flex;align-items:center;justify-content:center;gap:7px;background:#0d625b;color:#fff;text-decoration:none;padding:12px 13px;font-size:.87rem;font-weight:850;border-radius:12px;white-space:nowrap;min-height:52px}
.header-whatsapp:hover,.header-whatsapp:focus-visible{background:#084a47;color:#fff}
.contact-icon{flex-shrink:0}
.site-footer .brand strong{font-size:1.37rem}
.site-footer .brand small{font-size:.58rem}
@media (min-width:1221px){.desktop-nav{gap:clamp(9px,.9vw,14px)}.desktop-nav a{font-size:.77rem}.header-inner{padding-inline:24px}}
@media (max-width:1220px){.desktop-nav{display:none}.menu-toggle{display:flex}.mobile-nav:not([hidden]){display:grid;gap:0;background:#fff;box-shadow:var(--shadow);padding:8px 24px 20px;border-top:1px solid #e0e8e3}.mobile-nav a{color:#12434a;text-decoration:none;padding:12px 5px;border-bottom:1px solid #e1eae5;font-weight:750}}
@media (max-width:720px){
  html{scroll-padding-top:170px}
  .topline{display:none}
  .header-inner{display:grid;grid-template-columns:minmax(0,1fr) 44px;grid-template-areas:'brand menu' 'contact contact';align-items:center;row-gap:8px;column-gap:9px;padding-top:11px;padding-bottom:12px;min-height:0}
  .header-inner>.brand{grid-area:brand;min-width:0}
  .header-end{display:contents}
  .header-contact{grid-area:contact;display:grid;grid-template-columns:minmax(0,1fr) auto;gap:8px;width:100%}
  .menu-toggle{grid-area:menu;display:flex;width:44px;height:44px}
  .header-inner>.brand img{width:39px;height:39px}
  .header-inner>.brand strong{font-size:clamp(1.11rem,4.8vw,1.42rem);letter-spacing:-.04em}
  .header-inner>.brand small{font-size:clamp(.42rem,1.65vw,.55rem);letter-spacing:.025em}
  .header-phone{min-height:49px;padding:6px 10px;gap:7px;border-radius:9px}
  .header-phone .contact-icon{width:18px;height:18px}
  .header-phone-copy small{font-size:.58rem;margin-bottom:3px}
  .header-phone-copy strong{font-size:clamp(1.02rem,4.5vw,1.33rem)}
  .header-whatsapp{min-height:49px;padding:8px 13px;gap:6px;border-radius:9px;font-size:.8rem}
  .header-whatsapp .contact-icon{width:17px;height:17px}
  .mobile-nav:not([hidden]){max-height:min(65vh,490px);overflow:auto}
  .mobile-sticky a{min-height:44px;display:flex;align-items:center;justify-content:center}
}
@media (max-width:360px){
  .header-inner>.brand strong{font-size:1.13rem}
  .header-inner>.brand small{font-size:.43rem}
  .header-phone{padding:7px 8px;gap:5px}
  .header-phone-copy small{font-size:.51rem}
  .header-phone-copy strong{font-size:1.035rem}
  .header-whatsapp{padding:8px 8px;gap:4px;font-size:.745rem}
  .header-whatsapp .contact-icon{width:15px;height:15px}
}


/* Homepage portrait / CRO / answer-engine improvement — October 16, 2026 */
.hero-home{overflow:visible;padding:60px 0 66px}
.hero-grid-clean{grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:clamp(22px,5vw,78px);align-items:center;min-height:0}
.hero-grid-clean .hero-copy{min-width:0}
.hero-grid-clean .hero-copy h1{font-size:clamp(2.48rem,4.2vw,4.35rem);max-width:720px;text-wrap:balance;line-height:1.07}
.hero-grid-clean .hero-copy .lead{font-size:clamp(1.02rem,1.35vw,1.18rem);max-width:620px}
.hero-grid-clean .hero-actions .btn{padding:15px 18px;min-height:56px}
.hero-contact-line{font-size:.93rem;color:#496a6c;margin:18px 0 0}
.hero-contact-line a{font-weight:800;color:#095c61;text-underline-offset:3px}
.hero-grid-clean .proof-row{margin-top:22px;gap:11px}
.hero-grid-clean .proof-row span{font-size:.74rem}
.hero-art-clean{height:auto;min-width:0;position:static;display:block}
.advisor-photo-card{margin:0 auto;max-width:335px;min-width:0;border-radius:21px;background:#fff;border:1px solid #d4e5df;overflow:hidden;box-shadow:0 15px 40px rgba(9,57,58,.14)}
.advisor-photo-card img{display:block;width:100%;height:auto;max-height:none;object-fit:contain;object-position:center;aspect-ratio:auto}
.advisor-photo-card figcaption{position:static;display:grid;gap:4px;background:#fff;color:#153d43;padding:14px 18px 17px;line-height:1.35}
.advisor-photo-card figcaption strong{font-size:1.13rem;font-weight:850}
.advisor-photo-card figcaption span{font-size:.79rem;color:#506b68}
.home-advice-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.home-advice-card{background:#fff;border:1px solid #d5e3de;border-radius:18px;padding:27px;min-width:0;box-shadow:0 4px 17px rgba(9,50,47,.035)}
.home-advice-card h3{font-size:1.19rem;margin-top:7px;line-height:1.3}
.home-advice-card p{color:#456266;font-size:.94rem;line-height:1.78}
.home-card-numeral{font-size:.8rem;color:#a16c38;font-weight:900;letter-spacing:.18em}
.source-context{font-size:.78rem;color:#617372;margin-top:22px;max-width:950px}
.home-two-panels{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:21px}
.home-choice-panel{padding:32px;border-radius:21px;background:#fff;border:1px solid #d5e3dc}
.home-choice-panel h3{font-size:1.65rem;margin-top:12px}
.home-choice-panel p,.home-choice-panel li{font-size:.98rem;line-height:1.79;color:#3f6060}
.home-choice-panel ul{padding-left:22px;margin-bottom:25px}
.home-panel-tag{font-size:.73rem;font-weight:900;letter-spacing:.1em;color:#985c27}
.home-local-grid{display:grid;grid-template-columns:minmax(0,1.4fr) minmax(300px,.8fr);align-items:center;gap:55px}
.home-local-grid p{font-size:1.03rem;color:#486264;line-height:1.85}
.home-local-card{border:1px solid #c7dcd5;border-radius:21px;padding:30px;background:#eef5f0}
.home-local-card h3{font-size:1.33rem}
.home-local-card p{font-size:.92rem;margin-bottom:16px}
.about-photo img{height:auto;max-height:none;object-fit:contain;object-position:center}
@media(max-width:980px){.hero-grid-clean{grid-template-columns:minmax(0,1fr) minmax(265px,.7fr);gap:23px}.home-advice-grid{grid-template-columns:1fr}.home-local-grid{gap:23px}}
@media(max-width:720px){.hero-home{padding:29px 0 35px}.hero-grid-clean{display:flex;flex-direction:column;align-items:stretch;gap:27px}.hero-grid-clean .hero-copy h1{font-size:clamp(2rem,8.7vw,3.45rem);text-wrap:pretty}.hero-grid-clean .hero-copy .lead{line-height:1.63}.hero-grid-clean .hero-actions{display:grid;grid-template-columns:1fr;gap:10px}.hero-grid-clean .hero-actions .btn{width:100%;white-space:normal;text-align:center}.hero-art-clean{height:auto;display:block}.advisor-photo-card{max-width:min(78vw,320px)}.home-two-panels,.home-local-grid{grid-template-columns:1fr}.home-choice-panel{padding:23px}.home-local-card{padding:23px}.home-advice-card{padding:23px}.home-local-grid .hero-actions{display:grid;grid-template-columns:1fr}.home-local-grid .hero-actions .btn{width:100%}.hero-grid-clean .proof-row{margin-top:18px}.hero-grid-clean .proof-row span{padding-left:18px}}
@media(max-width:380px){.hero-grid-clean .hero-copy h1{font-size:clamp(1.95rem,8.4vw,2.3rem)}.advisor-photo-card{max-width:290px}}

@media(max-width:720px){.hero-grid-clean .proof-row{display:none}}