:root{--ink:#2b2927;--muted:#68625b;--cream:#fbf7f0;--paper:#fffdf9;--gold:#b98a4b;--gold-dark:#8c642f;--line:#e8dccb;--sage:#617262}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--cream);color:var(--ink);font-family:Arial,Helvetica,sans-serif}button,input,select{font:inherit}.site-header{height:66px;display:flex;align-items:center;justify-content:space-between;padding:0 5vw;background:rgba(255,253,249,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20;backdrop-filter:blur(12px)}.brand{display:inline-flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none}.brand-mark{width:40px;height:40px;border:1px solid #cfa96f;border-radius:50%;display:grid;place-items:center;color:var(--gold-dark);font:500 17px/1 Georgia,serif;background:linear-gradient(145deg,#fff,#f2e8d9)}.brand strong{display:block;font:500 19px/1 Georgia,serif;letter-spacing:.16em}.brand small{display:block;margin-top:5px;font-size:8px;letter-spacing:.27em}.phone-link{text-decoration:none;color:var(--ink);font-weight:700;font-size:15px}.phone-link span{color:var(--muted);font-size:11px;font-weight:500;margin-right:8px}.hero{position:relative;overflow:hidden;background:linear-gradient(105deg,rgba(255,253,249,.97) 0%,rgba(251,247,240,.93) 50%,rgba(235,223,204,.72) 100%),url('/assets/loren-cover.png') center 73%/cover;border-bottom:1px solid var(--line)}.hero-glow{position:absolute;width:520px;height:520px;right:-180px;top:-260px;border-radius:50%;background:rgba(205,164,103,.2)}.hero-inner{width:min(1180px,90vw);margin:0 auto;padding:52px 0 58px;display:grid;grid-template-columns:minmax(0,1fr) minmax(430px,.88fr);gap:64px;align-items:center;position:relative}.eyebrow{margin:0 0 12px;color:var(--gold-dark);font-size:12px;line-height:1.4;font-weight:800;letter-spacing:.17em}.hero h1{max-width:660px;margin:0;font:500 clamp(42px,5.1vw,68px)/1.02 Georgia,'Times New Roman',serif;letter-spacing:-.035em}.hero h1 em{color:var(--gold-dark);font-style:normal;white-space:nowrap}.coverage-promise{max-width:590px;margin:19px 0 0;color:#37322d;font-size:20px;line-height:1.35}.coverage-promise strong{color:var(--gold-dark)}.hero-lead{max-width:590px;margin:10px 0 20px;color:#554f48;font-size:17px;line-height:1.5}.trust-row{display:flex;flex-wrap:wrap;gap:16px 22px;color:#504a43;font-size:14px}.trust-row b{color:var(--sage);margin-right:4px}.survey-shell{background:rgba(255,253,249,.98);border:1px solid rgba(185,138,75,.35);border-radius:18px;padding:24px;box-shadow:0 22px 55px rgba(65,49,29,.16)}.survey-intro{display:flex;align-items:center;gap:17px;padding-bottom:2px}.survey-intro p{margin:0 0 5px;color:var(--gold-dark);font-size:10px;letter-spacing:.16em;font-weight:800}.survey-intro h2{margin:0;font:500 27px/1.05 Georgia,serif}.advisor-copy>span{display:block;margin-top:5px;color:#6f675e;font-size:12px;font-weight:600}.advisor-copy>small{display:inline-block;margin-top:6px;padding:3px 7px;border:1px solid #d9c5a5;border-radius:99px;color:#715632;background:#fbf5eb;font-size:9px;font-weight:800;letter-spacing:.08em}.advisor-photo-wrap{position:relative;flex:0 0 auto}.advisor-photo-wrap img{display:block;width:108px;height:108px;object-fit:cover;border-radius:50%;border:4px solid #fff;outline:1px solid #d4b37c;box-shadow:0 10px 26px rgba(72,52,28,.19)}.advisor-photo-wrap span{position:absolute;right:3px;bottom:5px;width:15px;height:15px;border-radius:50%;background:#668269;border:3px solid #fff}.progress-meta{display:flex;justify-content:space-between;margin-top:18px;color:#746c63;font-size:11px;font-weight:700}.progress-track{height:5px;background:#eee5d8;border-radius:99px;margin:7px 0 20px;overflow:hidden}.progress-track div{width:25%;height:100%;background:linear-gradient(90deg,#a7793d,#d1ad74);border-radius:inherit;transition:width .3s ease}#estimate fieldset{border:0;padding:0;margin:0;min-width:0}#estimate legend{width:100%;margin-bottom:14px;font:600 20px/1.25 Georgia,serif}.survey-step{display:none}.survey-step.is-active{display:block}.answer-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}.age-grid .answer-button:last-child{grid-column:1/-1}.answer-button{min-height:52px;padding:11px 13px;border:1px solid #ded1bf;border-radius:10px;background:#fff;color:var(--ink);text-align:left;font-size:15px;font-weight:700;display:flex;align-items:center;justify-content:space-between;cursor:pointer;transition:.18s ease}.answer-button span{color:var(--gold);font-size:24px}.answer-button:hover,.answer-button:focus-visible{border-color:var(--gold);transform:translateY(-1px);box-shadow:0 6px 18px rgba(74,54,29,.08);outline:none}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px}.contact-grid label{color:#5f5850;font-size:11px;font-weight:700}.contact-grid input,.contact-grid select{width:100%;min-height:49px;margin-top:5px;padding:0 12px;border:1px solid #d9cdbd;border-radius:9px;background:#fff;color:var(--ink);font-size:16px;outline:none}.contact-grid input:focus,.contact-grid select:focus{border-color:var(--gold);box-shadow:0 0 0 3px rgba(185,138,75,.12)}.submit-button{width:100%;min-height:54px;margin-top:14px;border:0;border-radius:10px;background:linear-gradient(135deg,#9b6f35,#c89c5f);color:#fff;font-size:16px;font-weight:800;cursor:pointer;box-shadow:0 8px 18px rgba(126,87,40,.22)}.consent-disclosure{margin:10px 2px 0;color:#6a635b;font-size:10px;line-height:1.45}.privacy-note{margin:10px 0 0;text-align:center;color:#7d756c;font-size:10px}.advisor-bio{margin-top:18px;padding:15px 16px;border-left:3px solid #c49a5d;border-radius:0 10px 10px 0;background:#f7f0e5}.advisor-bio strong{display:block;color:#6f4f29;font:600 14px/1.2 Georgia,serif}.advisor-bio p{margin:7px 0 0;color:#625b53;font-size:12px;line-height:1.55}.advisor-bio .concierge-note{margin-top:9px;padding-top:9px;border-top:1px solid #dfd0b8;color:#514a43;font-weight:600}.carrier-trust{margin-top:13px;padding:12px 14px;border:1px solid #e1d5c4;border-radius:10px;background:#fff;text-align:center}.carrier-trust span{display:block;color:#8a6739;font-size:8px;font-weight:800;letter-spacing:.14em}.carrier-trust p{margin:6px 0 0;color:#4d4740;font-size:11px;line-height:1.45;font-weight:700}.success{text-align:center;padding:16px 10px 12px}.success>span{display:grid;place-items:center;width:46px;height:46px;margin:0 auto 12px;border-radius:50%;background:#e8f0e8;color:var(--sage);font-size:24px}.success h3{margin:0;font:600 23px/1.25 Georgia,serif}.success p{margin:10px auto 0;max-width:340px;color:var(--muted);font-size:14px;line-height:1.5}.reviews-section{padding:72px max(5vw,20px);background:#fffdf9;border-bottom:1px solid var(--line)}.reviews-heading{width:min(1080px,100%);margin:0 auto 28px;display:flex;align-items:end;justify-content:space-between;gap:28px}.reviews-heading h2{max-width:680px;margin:0;font:500 clamp(31px,3.5vw,46px)/1.08 Georgia,serif;letter-spacing:-.025em}.reviews-heading a{flex:0 0 auto;color:#775327;font-size:13px;font-weight:800;text-decoration:none;border-bottom:1px solid #caa66f;padding-bottom:3px}.reviews-grid{width:min(1080px,100%);margin:0 auto;display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.review-card{min-height:250px;padding:22px;border:1px solid #e6dac9;border-radius:15px;background:#fff;box-shadow:0 12px 30px rgba(66,48,27,.07)}.review-top{display:flex;align-items:center;gap:11px}.review-avatar{width:42px;height:42px;flex:0 0 auto;display:grid;place-items:center;border-radius:50%;background:#f2e5d3;color:#765328;font:600 14px Georgia,serif}.review-top strong{display:block;color:#37322d;font-size:14px}.review-top small{display:block;margin-top:3px;color:#7a7269;font-size:10px}.review-stars{margin-top:17px;color:#b98542;font-size:14px;letter-spacing:.1em}.review-card blockquote{margin:12px 0 0;color:#5b544c;font:400 14px/1.62 Georgia,serif}.reassurance{width:min(1080px,90vw);margin:0 auto;padding:76px 0;display:grid;grid-template-columns:1fr 380px;align-items:center;gap:70px}.reassurance h2{max-width:590px;margin:0;font:500 clamp(34px,4vw,50px)/1.08 Georgia,serif;letter-spacing:-.025em}.reassurance-copy>p:last-child{max-width:610px;color:var(--muted);font-size:17px;line-height:1.65}.reassurance img{width:100%;aspect-ratio:1;object-fit:cover;border-radius:20px;box-shadow:0 18px 42px rgba(65,49,29,.16)}footer{padding:34px max(5vw,20px);background:#2f2b27;color:#d9d0c4;text-align:center}.footer-brand{color:#fff;font:500 18px Georgia,serif;letter-spacing:.08em}footer p{max-width:940px;margin:15px auto 0;font-size:10px;line-height:1.6}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr;gap:26px;padding:34px 0 44px}.hero-copy{text-align:center}.hero h1,.hero-lead,.coverage-promise{margin-left:auto;margin-right:auto}.trust-row{justify-content:center}.survey-shell{width:min(540px,100%);margin:0 auto}.reviews-grid{grid-template-columns:1fr}.review-card{min-height:0}.reassurance{grid-template-columns:1fr 300px;gap:36px}}
@media(max-width:620px){.site-header{height:58px;padding:0 14px}.brand-mark{width:34px;height:34px;font-size:14px}.brand strong{font-size:15px}.brand small{font-size:6px}.phone-link span{display:none}.phone-link{font-size:13px}.hero{background:linear-gradient(180deg,#fffdf9 0%,#f8f1e6 100%)}.hero-inner{width:100%;padding:19px 14px 30px;gap:16px}.hero-copy{text-align:left}.eyebrow{font-size:10px;margin-bottom:7px}.hero h1{font-size:clamp(34px,10vw,42px);line-height:1.01}.coverage-promise{margin:9px 0 0;font-size:16px}.hero-lead{margin:5px 0 10px;font-size:13px;line-height:1.35}.trust-row{justify-content:flex-start;gap:7px 13px;font-size:11px}.survey-shell{padding:16px;border-radius:14px}.survey-intro{gap:12px}.advisor-photo-wrap img{width:92px;height:92px}.survey-intro p{font-size:8px;margin-bottom:3px}.survey-intro h2{font-size:22px}.advisor-copy>span{margin-top:3px;font-size:10px}.progress-meta{margin-top:12px}.progress-track{margin-bottom:13px}#estimate legend{margin-bottom:10px;font-size:18px}.answer-grid{gap:8px}.answer-button{min-height:46px;padding:8px 10px;font-size:14px}.contact-grid{grid-template-columns:1fr;gap:7px}.contact-grid input,.contact-grid select{min-height:46px}.advisor-bio{margin-top:14px;padding:13px 14px}.reviews-section{padding:48px 14px}.reviews-heading{margin-bottom:20px;align-items:flex-start;flex-direction:column;gap:13px}.reviews-heading h2{font-size:32px}.reviews-grid{gap:12px}.review-card{padding:18px}.reassurance{grid-template-columns:1fr;padding:48px 0;gap:24px}.reassurance h2{font-size:35px}.reassurance img{width:min(360px,100%);margin:0 auto}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
