:root{--primary-color:#0d47a1;--primary-hover:#0a3580;--secondary-color:#ffc107;--secondary-hover:#e0a800;--dark-bg:#1a252f;--text-dark:#2c3e50;--text-light:#64748b;--bg-light:#f8fafc;--bg-white:#fff;--border-color:#e2e8f0;--success-color:#10b981;--border-radius:0px;--transition:all .3s ease;--shadow-sm:0 1px 3px #0000001a;--shadow-md:0 4px 6px -1px #0000001a, 0 2px 4px -1px #0000000f;--shadow-lg:0 10px 15px -3px #0000001a, 0 4px 6px -2px #0000000d;--font-heading:"Montserrat", sans-serif;--font-body:"Open Sans", sans-serif}*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:var(--font-body);color:var(--text-dark);background-color:var(--bg-light);line-height:1.6;overflow-x:hidden}h1,h2,h3,h4{font-family:var(--font-heading);color:var(--text-dark);font-weight:700}a{color:inherit;transition:var(--transition);text-decoration:none}ul{list-style:none}.container{width:100%;max-width:1200px;margin:0 auto;padding:0 24px}.top-bar{background-color:var(--primary-color);color:#fff;border-bottom:2px solid var(--secondary-color);padding:8px 0;font-size:13px}.top-bar-content{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:8px;display:flex}.contact-info span{margin-right:20px}.contact-info i{color:var(--secondary-color);margin-right:6px}.lic-tagline{font-weight:500;font-family:var(--font-heading)}.main-header{background-color:var(--bg-white);box-shadow:var(--shadow-sm);z-index:100;position:sticky;top:0}.navbar{justify-content:space-between;align-items:center;padding:16px 24px;display:flex}.logo{align-items:center;gap:12px;display:flex}.lic-logo-img{object-fit:contain;width:auto;height:72px;transition:var(--transition);border-radius:6px;display:block}.logo-text{flex-direction:column;display:flex}.brand-name{color:var(--primary-color);letter-spacing:.5px;font-size:18px;font-weight:800}.agent-title{color:var(--text-dark);flex-wrap:wrap;align-items:center;gap:8px;font-size:15px;font-weight:700;display:flex}.license-badge{color:var(--text-light);background-color:var(--bg-light);border:1px solid var(--border-color);border-radius:4px;padding:2px 8px;font-size:12px;font-weight:500}.nav-links{gap:28px;display:flex}.nav-links a{border-bottom:2px solid #0000;padding:8px 4px;font-size:14px;font-weight:600}.nav-links a:hover,.nav-links a.active{color:var(--primary-color);border-bottom-color:var(--secondary-color)}.mobile-menu-btn{cursor:pointer;color:var(--primary-color);font-size:24px;display:none}.hero-section{border-bottom:1px solid var(--border-color);background:radial-gradient(circle at 10% 20%,#e8f1f5cc 0%,#fff 90%);padding:80px 0}.hero-container{grid-template-columns:1.2fr .8fr;align-items:center;gap:48px;display:grid}.hero-content h1{color:var(--primary-color);margin:16px 0;font-size:44px;line-height:1.2}.hero-content p{color:var(--text-light);max-width:580px;margin-bottom:32px;font-size:18px}.badge{color:var(--primary-color);text-transform:uppercase;letter-spacing:1px;background-color:#0d47a114;border-radius:50px;padding:6px 14px;font-size:12px;font-weight:700;display:inline-block}.hero-actions{gap:16px;margin-bottom:48px;display:flex}.btn{border-radius:var(--border-radius);cursor:pointer;transition:var(--transition);border:none;justify-content:center;align-items:center;padding:14px 28px;font-size:15px;font-weight:600;display:inline-flex}.btn-primary{background-color:var(--primary-color);color:#fff}.btn-primary:hover{background-color:var(--primary-hover);transform:translateY(-2px)}.btn-secondary{background-color:var(--secondary-color);color:var(--text-dark)}.btn-secondary:hover{background-color:var(--secondary-hover);transform:translateY(-2px)}.btn-outline{color:var(--primary-color);border:2px solid var(--primary-color);background-color:#0000}.btn-outline:hover{background-color:var(--primary-color);color:#fff}.btn-gold{background:linear-gradient(135deg, var(--secondary-color), #f39c12);color:var(--text-dark);font-weight:700}.btn-gold:hover{transform:translateY(-2px);box-shadow:0 4px 15px #f1c40f66}.btn-block{width:100%}.hero-stats{border-top:1px solid var(--border-color);align-items:center;gap:32px;padding-top:32px;display:flex}.stat-action-item{justify-content:center;align-items:center;display:flex}.btn-rewards-inline{background-color:var(--secondary-color);color:var(--dark-bg);transition:var(--transition);box-shadow:var(--shadow-sm);white-space:nowrap;border-radius:50px;align-items:center;gap:8px;padding:6px 12px;font-size:12px;font-weight:700;text-decoration:none;display:inline-flex}.btn-rewards-inline:hover{background-color:var(--secondary-hover);box-shadow:var(--shadow-md);transform:translate(4px)}.btn-rewards-inline i{transition:transform .2s}.btn-rewards-inline:hover i{transform:translate(3px)}.stat-item h3{color:var(--primary-color);margin-bottom:4px;font-size:28px}.stat-item p{color:var(--text-light);margin:0;font-size:13px}.hero-visual{position:relative}.visual-card{box-shadow:var(--shadow-lg);border-radius:20px;position:relative;overflow:hidden}.hero-img{object-fit:cover;width:100%;height:auto;display:block}.floating-badge{background-color:#fff;border-radius:50px;align-items:center;gap:8px;padding:12px 20px;font-size:14px;font-weight:700;display:flex;position:absolute;bottom:24px;left:24px}.text-success{color:var(--success-color)}.section-header{text-align:center;margin-bottom:56px}.section-header h2{color:var(--primary-color);margin-bottom:12px;font-size:32px}.header-line{background-color:var(--secondary-color);border-radius:2px;width:60px;height:4px;margin:0 auto 20px}.section-header p{color:var(--text-light);max-width:600px;margin:0 auto}.about-section{background-color:var(--bg-white);padding:80px 0}.about-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:32px;display:grid}.about-card{background-color:var(--bg-light);border-radius:var(--border-radius);transition:var(--transition);border:1px solid var(--border-color);padding:32px}.about-card:hover{box-shadow:var(--shadow-md);border-color:var(--primary-color);transform:translateY(-5px)}.card-icon{color:var(--primary-color);margin-bottom:20px;font-size:36px}.about-card h3{margin-bottom:12px}.about-card p{color:var(--text-light);font-size:14px}.products-section{padding:80px 0}.products-grid{grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:32px;display:grid}.product-card{background-color:var(--bg-white);border-radius:var(--border-radius);box-shadow:var(--shadow-sm);border:1px solid var(--border-color);transition:var(--transition);flex-direction:column;justify-content:space-between;padding:32px;display:flex;position:relative}.product-card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}.product-card.highlighted{border:2px solid var(--primary-color);box-shadow:var(--shadow-md)}.popular-tag{background-color:var(--secondary-color);color:var(--text-dark);text-transform:uppercase;border-radius:50px;padding:4px 10px;font-size:11px;font-weight:700;position:absolute;top:16px;right:16px}.product-header{align-items:center;gap:12px;margin-bottom:16px;display:flex}.product-icon{color:var(--primary-color);font-size:24px}.product-card p{color:var(--text-light);margin-bottom:24px;font-size:14px}.product-features{margin-bottom:32px}.product-features li{align-items:center;gap:8px;margin-bottom:8px;font-size:13px;display:flex}.product-features li i{color:var(--success-color)}.calc-section{background-color:var(--bg-white);padding:80px 0}.calc-container{background-color:var(--bg-light);border:1px solid var(--border-color);border-radius:20px;grid-template-columns:1.2fr .8fr;gap:48px;padding:48px;display:grid}.calc-inputs{flex-direction:column;gap:28px;display:flex}.input-group{flex-direction:column;gap:8px;display:flex}.input-group label{font-size:14px;font-weight:600}.label-wrapper{justify-content:space-between;align-items:center;display:flex}.slider-val{color:var(--primary-color);font-size:15px;font-weight:700}#plan-type{border-radius:var(--border-radius);border:1px solid var(--border-color);background-color:var(--bg-white);padding:12px 16px;font-family:inherit;font-size:15px}input[type=range]{-webkit-appearance:none;background:#cbd5e1;border-radius:5px;outline:none;width:100%;height:6px}input[type=range]::-webkit-slider-thumb{appearance:none;background:var(--primary-color);cursor:pointer;width:20px;height:20px;transition:var(--transition);border-radius:50%}input[type=range]::-webkit-slider-thumb:hover{background:var(--primary-hover);transform:scale(1.1)}.slider-limits{color:var(--text-light);justify-content:space-between;font-size:11px;display:flex}.calc-results{background:linear-gradient(135deg, var(--primary-color), #0a3580);border-radius:var(--border-radius);color:#fff;justify-content:center;align-items:center;padding:40px;display:flex}.results-inner{text-align:center;width:100%}.results-inner h3{color:#fff;margin-bottom:32px;font-size:20px}.result-box{border-radius:var(--border-radius);background-color:#ffffff0f;border:1px solid #ffffff1a;margin-bottom:24px;padding:20px}.result-label{text-transform:uppercase;letter-spacing:1px;color:#93c5fd;margin-bottom:6px;font-size:12px;display:block}.result-amount{color:var(--secondary-color);font-size:32px;font-weight:700}.calc-disclaimer{color:#93c5fd;margin-bottom:32px;font-size:11px;line-height:1.4}.awards-section{background:linear-gradient(135deg,#0d47a1 0%,#071e6e 100%);padding:80px 0;position:relative;overflow:hidden}.awards-section:before{content:"";pointer-events:none;background:#ffc1070f;border-radius:50%;width:380px;height:380px;position:absolute;top:-80px;right:-80px}.awards-section:after{content:"";pointer-events:none;background:#ffffff08;border-radius:50%;width:260px;height:260px;position:absolute;bottom:-60px;left:-60px}.awards-section .section-header h2{color:#fff}.awards-section .section-header p{color:#93c5fd}.awards-section .header-line{background-color:var(--secondary-color)}.awards-grid{grid-template-columns:repeat(2,1fr);gap:32px;max-width:900px;margin:0 auto;display:grid}.award-card{transition:var(--transition);-webkit-backdrop-filter:blur(6px);backdrop-filter:blur(6px);background:#ffffff12;border:1px solid #ffffff24;border-radius:16px;overflow:hidden}.award-card:hover{border-color:var(--secondary-color);background:#ffffff1c;transform:translateY(-8px);box-shadow:0 24px 48px #00000059}.award-img-wrapper{border-bottom:1px solid #ffffff1a;width:100%;height:240px;position:relative;overflow:hidden}.award-photo{object-fit:cover;width:100%;height:100%;transition:transform .4s;display:block}.award-card:hover .award-photo{transform:scale(1.05)}.award-placeholder{background:linear-gradient(145deg,#0a3580d9 0%,#071e6ef2 100%);flex-direction:column;justify-content:center;align-items:center;gap:10px;width:100%;height:100%;display:flex;position:relative;overflow:hidden}.award-placeholder-shine{pointer-events:none;background:linear-gradient(120deg,#0000 30%,#ffc10712 50%,#0000 70%) 0 0/200% 100%;animation:3s ease-in-out infinite shimmerSlide;position:absolute;inset:0}@keyframes shimmerSlide{0%{background-position:200% 0}to{background-position:-200% 0}}.award-trophy-icon{color:var(--secondary-color);filter:drop-shadow(0 4px 16px #ffc10780);z-index:1;font-size:62px;animation:3s ease-in-out infinite float;position:relative}.award-card:nth-child(2) .award-trophy-icon{animation-delay:1.5s}@keyframes float{0%,to{transform:translateY(0)}50%{transform:translateY(-9px)}}.award-placeholder-title{color:#ffffffd9;text-align:center;z-index:1;font-size:13px;font-weight:700;font-family:var(--font-heading);padding:0 20px;position:relative}.award-placeholder-label{color:#ffffff73;text-transform:uppercase;letter-spacing:1.5px;z-index:1;border:1px dashed #ffffff38;border-radius:50px;padding:4px 14px;font-size:11px;font-weight:500;position:relative}.award-info{padding:22px 26px 28px}.award-meta{flex-wrap:wrap;align-items:center;gap:8px;margin-bottom:10px;display:flex}.award-level-badge{text-transform:uppercase;letter-spacing:.8px;color:var(--dark-bg);background-color:var(--secondary-color);border-radius:50px;padding:3px 10px;font-size:11px;font-weight:700}.award-year-tag{color:#ffffff8c;border:1px solid #fff3;border-radius:50px;padding:3px 10px;font-size:11px;font-weight:600}.award-info h3{color:#fff;margin-bottom:8px;font-size:18px;line-height:1.3}.award-desc{color:#93c5fd;margin:0;font-size:13px;line-height:1.65}@media (width<=768px){.awards-grid{grid-template-columns:1fr;gap:24px}.award-img-wrapper{height:200px}.award-trophy-icon{font-size:50px}}.contact-section{padding:80px 0}.contact-container{grid-template-columns:.9fr 1.1fr;gap:48px;display:grid}.contact-details-box h2{color:var(--primary-color);margin-bottom:16px;font-size:36px}.contact-details-box p{color:var(--text-light);margin-bottom:40px}.contact-info-list{flex-direction:column;gap:24px;margin-bottom:40px;display:flex}.info-item{align-items:flex-start;gap:16px;display:flex}.info-icon{width:44px;height:44px;color:var(--primary-color);background-color:#0d47a114;border-radius:50%;flex-shrink:0;justify-content:center;align-items:center;font-size:18px;display:flex}.info-item h4{color:var(--text-light);margin-bottom:4px;font-size:14px}.info-item p{color:var(--text-dark);margin:0;font-weight:600}.social-links{gap:16px;display:flex}.social-links a{background-color:var(--bg-white);border:1px solid var(--border-color);width:40px;height:40px;color:var(--text-light);border-radius:50%;justify-content:center;align-items:center;font-size:18px;display:flex}.social-links a:hover{background-color:var(--primary-color);color:#fff;transform:translateY(-2px)}.contact-cta-box{justify-content:center;align-items:center;display:flex}.cta-inner{background:linear-gradient(135deg, var(--primary-color) 0%, #0a3580 100%);text-align:center;border-radius:24px;flex-direction:column;align-items:center;gap:20px;width:100%;padding:56px 48px;display:flex;position:relative;overflow:hidden;box-shadow:0 20px 60px #0d47a14d}.cta-inner:before{content:"";pointer-events:none;background:#ffc10712;border-radius:50%;width:220px;height:220px;position:absolute;top:-60px;right:-60px}.cta-icon{width:72px;height:72px;color:var(--secondary-color);z-index:1;background:#ffffff1f;border:1px solid #fff3;border-radius:50%;justify-content:center;align-items:center;font-size:28px;display:flex;position:relative}.cta-inner h3{color:#fff;font-size:26px;font-family:var(--font-heading);z-index:1;margin:0;position:relative}.cta-inner p{color:#ffffffbf;z-index:1;max-width:340px;margin:0;font-size:15px;line-height:1.6;position:relative}.btn-cta-large{background:var(--secondary-color);color:var(--dark-bg);z-index:1;transition:var(--transition);border-radius:50px;align-items:center;gap:10px;padding:16px 36px;font-size:16px;font-weight:700;text-decoration:none;display:inline-flex;position:relative;box-shadow:0 4px 20px #ffc10759}.btn-cta-large:hover{background:var(--secondary-hover);color:var(--dark-bg);transform:translateY(-3px);box-shadow:0 8px 32px #ffc10780}.cta-note{color:#fff6;z-index:1;align-items:center;gap:6px;margin:0;font-size:12px;display:flex;position:relative}@media (width<=768px){.cta-inner{padding:40px 28px}.cta-inner h3{font-size:22px}.btn-cta-large{padding:14px 28px;font-size:15px}}.form-message.success{color:#065f46;background-color:#d1fae5;display:block}.form-message.error{color:#991b1b;background-color:#fee2e2;display:block}.footer{background-color:var(--dark-bg);color:#94a3b8;padding:48px 0;font-size:13px}.footer-content{text-align:center;flex-direction:column;align-items:center;gap:16px;display:flex}.disclaimer{color:#64748b;border-top:1px solid #ffffff0f;max-width:900px;padding-top:16px;font-size:11px;line-height:1.5}@media (width<=992px){.hero-container,.calc-container,.contact-container{grid-template-columns:1fr;gap:40px}.hero-visual{max-width:500px;margin:0 auto}}@media (width<=768px){.lic-tagline{display:none}.navbar{padding:12px 16px}.lic-logo-img{height:52px}.agent-title{gap:4px;font-size:13px}.license-badge{padding:1px 6px;font-size:10px}.top-bar-content{text-align:center;justify-content:center}.nav-links{background-color:var(--bg-white);width:100%;box-shadow:var(--shadow-md);flex-direction:column;gap:16px;padding:24px;display:none;position:absolute;top:100%;left:0}.nav-links.active{display:flex}.mobile-menu-btn{display:block}.hero-content h1{font-size:32px}.hero-stats{flex-wrap:nowrap;justify-content:space-between;gap:12px}.stat-item h3{font-size:20px}.stat-item p{font-size:11px}.btn-rewards-inline{padding:5px 10px;font-size:11px}.calc-container,.contact-form-box{padding:24px}}