:root{--navy-950:#061225;--navy-900:#08172d;--navy-850:#0b203a;--navy-800:#102b4e;--navy-700:#173d68;--gold-600:#d79218;--gold-500:#efa820;--gold-400:#f6bd4b;--orange:#e9672b;--cream:#f8f4eb;--cream-dark:#ede5d6;--white:#fff;--ink:#172033;--muted:#5d6878;--line:#d9dee7;--success:#176b4d;--error:#a62b2b;--shadow:0 22px 60px #06122524;--radius-lg:28px;--radius-md:18px;--radius-sm:10px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--white);font-family:var(--font-sans), Arial, sans-serif;text-rendering:optimizelegibility;margin:0;line-height:1.65}body,button,input,select,textarea{font:inherit}img{max-width:100%}a{color:inherit;text-decoration:none}button,summary,select{cursor:pointer}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--font-serif), Georgia, serif;letter-spacing:-.025em;line-height:1.08}h1{font-size:clamp(2.75rem,6vw,5.35rem)}h2{font-size:clamp(2rem,4vw,3.35rem)}h3{line-height:1.3}:focus-visible{outline:3px solid var(--gold-400);outline-offset:4px}.shell{width:min(1180px,100% - 48px);margin-inline:auto}.section{padding:104px 0}.section-soft{background:var(--cream)}.skip-link{z-index:9999;color:var(--navy-950);background:var(--gold-400);border-radius:0 0 8px 8px;padding:12px 18px;font-weight:800;position:fixed;top:-100px;left:24px}.skip-link:focus{top:0}.utility-bar{color:#d7e1ee;background:var(--navy-950);font-size:.82rem}.utility-inner{justify-content:space-between;align-items:center;gap:16px;min-height:37px;display:flex}.utility-inner span,.utility-inner div,.utility-inner a{align-items:center;gap:8px;display:flex}.utility-inner div{gap:24px}.utility-inner a:hover{color:var(--gold-400)}.site-header{z-index:500;background:#fffffffa;border-bottom:1px solid #08172d1a;position:sticky;top:0;box-shadow:0 7px 24px #0612250f}.nav-shell{align-items:center;gap:28px;min-height:96px;display:flex}.brand{flex:none;align-items:center;gap:13px;display:inline-flex}.brand-logo-wrap{flex:none;place-items:center;width:67px;height:67px;display:grid}.brand-logo-image{object-fit:contain;width:100%;height:100%;display:block}.brand-copy{text-transform:uppercase;min-width:158px;line-height:1;display:grid}.brand-copy .brand-kicker{color:var(--gold-600);letter-spacing:.16em;text-transform:uppercase;margin:0 0 5px;font-size:.49rem;font-style:normal;font-weight:900}.brand-copy strong{color:var(--navy-950);font-family:var(--font-serif), Georgia, serif;letter-spacing:.075em;font-size:1.08rem}.brand-copy>span{color:var(--gold-600);letter-spacing:.35em;margin-top:5px;font-size:.7rem;font-weight:850}.brand-copy em{color:var(--muted);letter-spacing:.07em;text-transform:none;margin-top:7px;font-size:.55rem;font-style:normal;font-weight:750}.desktop-nav{align-items:stretch;gap:2px;margin-left:auto;display:flex}.nav-dropdown{position:relative}.nav-dropdown>summary{color:var(--navy-900);border-radius:9px;align-items:center;gap:5px;padding:14px 12px;font-size:.92rem;font-weight:750;list-style:none;display:flex}.nav-dropdown>summary::-webkit-details-marker{display:none}.nav-dropdown>summary:hover,.nav-dropdown[open]>summary{color:var(--navy-950);background:var(--cream)}.nav-dropdown[open]>summary svg{transform:rotate(180deg)}.nav-dropdown svg{transition:transform .2s}.dropdown-panel{z-index:30;border:1px solid var(--line);border-top:4px solid var(--gold-500);min-width:245px;box-shadow:var(--shadow);background:#fff;border-radius:12px;padding:10px;position:absolute;top:calc(100% + 8px);left:0}.dropdown-panel a{color:#28364a;border-radius:7px;padding:10px 12px;font-size:.9rem;font-weight:650;display:block}.dropdown-panel a:hover{color:var(--navy-950);background:var(--cream)}.nav-cta{white-space:nowrap}.mobile-nav{margin-left:auto;display:none}.mobile-nav>summary{border:1px solid var(--line);border-radius:9px;align-items:center;gap:7px;padding:10px 13px;font-weight:800;list-style:none;display:flex}.mobile-nav>summary::-webkit-details-marker{display:none}.mobile-panel{border-top:1px solid var(--line);width:100%;max-height:calc(100vh - 96px);box-shadow:var(--shadow);background:#fff;padding:18px 24px 24px;position:absolute;top:100%;left:0;overflow:auto}.mobile-panel .nav-dropdown{border-bottom:1px solid var(--line)}.mobile-panel .nav-dropdown>summary{justify-content:space-between;padding:14px 4px}.mobile-panel .dropdown-panel{min-width:0;box-shadow:none;border:0;padding:0 0 12px 12px;position:static}.mobile-panel .button{width:100%;margin-top:18px}.button{border:0;border-radius:9px;justify-content:center;align-items:center;gap:9px;min-height:49px;padding:12px 20px;font-weight:850;line-height:1.25;transition:transform .2s,box-shadow .2s,background .2s;display:inline-flex}.button:hover{transform:translateY(-2px)}.button svg{width:18px;height:18px}.button-gold{color:var(--navy-950);background:linear-gradient(135deg, var(--gold-400), var(--gold-500));box-shadow:0 10px 24px #efa8203d}.button-gold:hover{box-shadow:0 14px 30px #efa82057}.button-navy{color:#fff;background:var(--navy-900);box-shadow:0 10px 22px #08172d2e}.button-ghost{color:#fff;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#ffffff14;border:1px solid #ffffff6b}.button-ghost:hover{background:#ffffff29}.text-link{color:var(--navy-800);text-decoration:underline;-webkit-text-decoration-color:var(--gold-500);text-decoration-color:var(--gold-500);text-underline-offset:5px;align-items:center;gap:8px;font-weight:850;text-decoration-thickness:2px;display:inline-flex}.text-link svg{width:17px}.eyebrow{color:var(--gold-600);letter-spacing:.12em;text-transform:uppercase;align-items:center;gap:8px;margin-bottom:17px;font-size:.76rem;font-weight:900;line-height:1.4;display:flex}.eyebrow svg{flex:none}.eyebrow-light{color:var(--gold-400)}.eyebrow span{color:#ffffff8c}.home-hero{color:#fff;background:radial-gradient(circle at 65% 20%, #1c477373, transparent 31%), linear-gradient(135deg, var(--navy-950), var(--navy-900) 58%, #102d4e);padding:72px 0 0;position:relative;overflow:hidden}.hero-glow{filter:blur(2px);pointer-events:none;border-radius:50%;position:absolute}.hero-glow-one{background:#efa82014;width:420px;height:420px;top:25px;right:-90px}.hero-glow-two{background:#134a7d47;width:300px;height:300px;bottom:50px;left:-130px}.home-hero-grid{grid-template-columns:1.06fr .94fr;align-items:center;gap:58px;display:grid;position:relative}.home-hero-copy{padding:30px 0 94px}.home-hero h1{max-width:720px;margin-bottom:25px;font-size:clamp(3.4rem,6vw,5.7rem)}.home-hero h1 em{color:var(--gold-400);font-style:normal;display:block}.hero-lead{color:#d9e3ef;max-width:670px;font-size:1.16rem;line-height:1.75}.hero-actions{flex-wrap:wrap;gap:13px;margin-top:31px;display:flex}.hero-note{color:#bfcddd;align-items:center;gap:8px;margin:18px 0 0;font-size:.86rem;display:flex}.hero-note svg{color:var(--gold-400)}.hero-portrait-wrap{align-self:end;min-width:0;position:relative}.hero-portrait{aspect-ratio:4/5;border:1px solid #ffffff29;border-radius:34px 34px 0 0;width:100%;position:relative;overflow:hidden;box-shadow:0 40px 80px #00000047}.hero-portrait>img{object-fit:cover;object-position:46% center}.hero-portrait:after{content:"";background:linear-gradient(#0000 56%,#061225eb);position:absolute;inset:0}.portrait-caption{z-index:2;display:grid;position:absolute;bottom:30px;left:32px}.portrait-caption span{color:var(--gold-400);letter-spacing:.12em;text-transform:uppercase;font-size:.74rem;font-weight:850}.portrait-caption strong{font-family:var(--font-serif), Georgia, serif;font-size:2rem}.portrait-caption small{color:#d7e1ec}.hero-seal{z-index:3;color:var(--navy-950);background:var(--cream);border:4px solid var(--gold-500);box-shadow:var(--shadow);border-radius:14px;align-items:center;gap:12px;padding:16px 18px;display:flex;position:absolute;top:43%;left:-48px}.hero-seal svg{color:var(--gold-600)}.hero-seal span{font-size:.78rem;line-height:1.3;display:grid}.hero-seal strong{font-family:var(--font-serif), Georgia, serif;font-size:1rem}.assurance-strip{z-index:4;color:var(--ink);background:#fff;border-radius:18px 18px 0 0;grid-template-columns:repeat(3,1fr);margin-top:-1px;display:grid;position:relative;box-shadow:0 -16px 42px #0612251f}.assurance-strip>div{align-items:center;gap:14px;padding:22px 27px;display:flex}.assurance-strip>div+div{border-left:1px solid var(--line)}.assurance-strip svg{color:var(--gold-600);flex:none}.assurance-strip span{color:var(--muted);font-size:.82rem;display:grid}.assurance-strip strong{color:var(--navy-900);font-size:.94rem}.section-heading{margin-bottom:48px}.section-heading h2{color:var(--navy-900);margin-bottom:0}.split-heading{grid-template-columns:1.2fr .8fr;align-items:end;gap:80px;display:grid}.split-heading>p{color:var(--muted);margin-bottom:6px}.centered-heading{text-align:center;max-width:760px;margin-inline:auto}.centered-heading .eyebrow{justify-content:center}.service-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.service-card{border:1px solid var(--line);border-radius:var(--radius-md);background:#fff;flex-direction:column;min-height:310px;padding:30px;transition:transform .25s,box-shadow .25s,border-color .25s;display:flex;position:relative;overflow:hidden;box-shadow:0 12px 32px #0612250d}.service-card:before{content:"";background:var(--gold-500);opacity:0;width:4px;position:absolute;inset:0 auto 0 0}.service-card:hover{box-shadow:var(--shadow);border-color:#c9b687;transform:translateY(-5px)}.service-card:hover:before{opacity:1}.service-icon{width:52px;height:52px;color:var(--gold-600);background:var(--cream);border-radius:13px;place-items:center;display:grid}.service-icon svg{width:25px}.service-card h3{color:var(--navy-900);margin:21px 0 10px;font-size:1.18rem}.service-card p{color:var(--muted);font-size:.94rem}.service-card a{color:var(--navy-800);align-items:center;gap:8px;margin-top:auto;font-size:.88rem;font-weight:850;display:flex}.service-card-accent{color:#fff;background:var(--navy-900);border-color:var(--navy-900)}.service-card-accent h3,.service-card-accent a{color:#fff}.service-card-accent p{color:#cbd7e4}.review-ribbon{background:var(--cream);border:1px solid var(--cream-dark);border-radius:var(--radius-md);grid-template-columns:auto 1fr auto;align-items:center;gap:20px;margin-top:32px;padding:23px 28px;display:grid}.review-ribbon>span{width:54px;height:54px;color:var(--gold-600);background:#fff;border-radius:50%;place-items:center;display:grid}.review-ribbon p{color:var(--gold-600);text-transform:uppercase;margin:0;font-size:.76rem;font-weight:850}.review-ribbon h3{color:var(--navy-900);font-family:var(--font-serif), Georgia, serif;margin:3px 0 0;font-size:1.25rem}.educator-section{color:#fff;background:var(--navy-900)}.educator-layout{grid-template-columns:.9fr 1.1fr;align-items:center;gap:72px;display:grid}.educator-photo{border-radius:var(--radius-lg);border:1px solid #ffffff24;min-height:610px;position:relative;overflow:hidden;box-shadow:0 28px 60px #00000042}.educator-photo>img{object-fit:cover;object-position:16% center}.photo-label{color:var(--navy-950);border-left:4px solid var(--gold-500);background:#fffffff0;border-radius:9px;align-items:center;gap:12px;padding:16px 18px;font-weight:800;display:flex;position:absolute;bottom:24px;left:24px;right:24px}.photo-label svg{color:var(--gold-600)}.educator-copy h2{color:#fff;margin-bottom:22px}.educator-copy>p:not(.eyebrow){color:#c8d5e3}.horace-mann-lockup{width:min(100%,440px);color:var(--navy-900);border-left:5px solid var(--orange);background:#fff;border-radius:12px;margin:0 0 28px;padding:18px 20px 14px;box-shadow:0 16px 34px #0000002e}.horace-mann-lockup img{width:100%;height:auto;display:block}.horace-mann-lockup span{color:var(--muted);letter-spacing:.04em;text-align:center;margin-top:8px;font-size:.74rem;font-weight:750;display:block}.educator-benefit-list{gap:4px;margin:31px 0 35px;display:grid}.educator-benefit-list article{border-bottom:1px solid #ffffff1a;grid-template-columns:auto 1fr;gap:15px;padding:15px 0;display:grid}.educator-benefit-list article>svg{color:var(--gold-400);margin-top:3px}.educator-benefit-list h3{margin-bottom:4px;font-size:1rem}.educator-benefit-list p{color:#becbd9;margin:0;font-size:.89rem}.horace-mann-profile{background:linear-gradient(135deg, #fff 0%, var(--cream) 100%)}.horace-mann-profile-grid{grid-template-columns:.82fr 1.18fr;align-items:center;gap:76px;display:grid}.horace-mann-brand-panel{color:#fff;background:radial-gradient(circle at 50% 22%, #efa82029, transparent 35%), var(--navy-900);border-radius:var(--radius-lg);min-height:470px;box-shadow:var(--shadow);text-align:center;flex-direction:column;justify-content:center;align-items:center;padding:58px 44px;display:flex;position:relative;overflow:hidden}.horace-mann-brand-panel:before,.horace-mann-brand-panel:after{content:"";border:1px solid #efa82033;border-radius:50%;position:absolute}.horace-mann-brand-panel:before{width:390px;height:390px;top:-180px;right:-185px}.horace-mann-brand-panel:after{width:230px;height:230px;bottom:-115px;left:-120px}.horace-mann-brand-image{z-index:1;border-top:5px solid var(--orange);background:#fff;border-radius:16px;width:100%;padding:24px;position:relative;box-shadow:0 18px 40px #00000038}.horace-mann-brand-image img{width:100%;height:auto;display:block}.horace-mann-brand-panel>p{z-index:1;color:var(--gold-400);font-family:var(--font-serif), Georgia, serif;margin:29px 0 8px;font-size:1.35rem;font-weight:800;position:relative}.horace-mann-brand-panel>span{z-index:1;color:#c9d6e3;max-width:380px;font-size:.91rem;position:relative}.horace-mann-profile-copy h2{color:var(--navy-900);margin-bottom:24px}.horace-mann-profile-copy>p:not(.eyebrow):not(.horace-mann-note){color:#465163;font-size:1.02rem}.horace-mann-profile-copy strong{color:var(--navy-900)}.horace-mann-facts{grid-template-columns:repeat(3,1fr);gap:12px;margin:31px 0 17px;display:grid}.horace-mann-facts article{border:1px solid var(--cream-dark);border-top:4px solid var(--orange);background:#fff;border-radius:12px;flex-direction:column;min-height:145px;padding:20px;display:flex;box-shadow:0 9px 24px #0612250d}.horace-mann-facts strong{color:var(--navy-900);font-family:var(--font-serif), Georgia, serif;font-size:1.35rem;line-height:1.1}.horace-mann-facts span{color:var(--muted);margin-top:10px;font-size:.78rem;line-height:1.45}.horace-mann-note{color:#6a7483;margin-bottom:24px;font-size:.76rem}.relationship-grid{grid-template-columns:1.03fr .97fr;align-items:center;gap:72px;display:grid}.relationship-grid h2{color:var(--navy-900)}.large-copy{color:#3f4a5b;font-size:1.1rem;line-height:1.8}.check-list{gap:12px;margin:28px 0;padding:0;list-style:none;display:grid}.check-list li{align-items:flex-start;gap:10px;display:flex}.check-list svg{width:19px;color:var(--gold-600);flex:none;margin-top:3px}.inline-actions{flex-wrap:wrap;align-items:center;gap:22px;display:flex}.community-photo{border-radius:var(--radius-lg);min-height:560px;box-shadow:var(--shadow);position:relative;overflow:hidden}.community-photo>img{object-fit:cover;object-position:center}.faq-layout{grid-template-columns:.7fr 1.3fr;gap:85px;display:grid}.faq-intro{align-self:start;position:sticky;top:135px}.faq-intro h2{color:var(--navy-900)}.faq-intro>p:not(.eyebrow){color:var(--muted)}.faq-list{border-top:1px solid #cdd3dc}.faq-list details{border-bottom:1px solid #cdd3dc}.faq-list summary{color:var(--navy-900);justify-content:space-between;align-items:center;gap:15px;padding:22px 4px;font-weight:850;list-style:none;display:flex}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary span{color:var(--gold-600);font-size:1.5rem;transition:transform .2s}.faq-list details[open] summary span{transform:rotate(45deg)}.faq-list details p{color:var(--muted);margin:0;padding:0 40px 22px 4px}.page-hero{color:#fff;background:linear-gradient(125deg, var(--navy-950), var(--navy-900) 60%, #153b63);position:relative;overflow:hidden}.page-hero:after{content:"";border:1px solid #efa82040;border-radius:50%;width:520px;height:520px;position:absolute;top:-180px;right:-100px;box-shadow:inset 0 0 0 70px #efa82006,inset 0 0 0 140px #efa82006}.page-hero-glow{filter:blur(80px);background:#19487566;border-radius:50%;width:330px;height:330px;position:absolute;bottom:-150px;left:6%}.page-hero-inner{z-index:2;max-width:940px;margin-left:max(24px,50vw - 590px);margin-right:auto;padding-top:95px;padding-bottom:100px;position:relative}.page-hero h1{max-width:900px;margin-bottom:22px;font-size:clamp(3rem,6vw,5rem)}.page-hero-inner>p:not(.eyebrow){color:#d2deea;max-width:800px;font-size:1.15rem}.content-split{grid-template-columns:1.03fr .97fr;gap:28px;display:grid}.prose-card,.check-card{border-radius:var(--radius-lg);padding:44px}.prose-card{background:var(--cream);position:relative;overflow:hidden}.prose-card h2,.check-card h2{color:var(--navy-900)}.prose-card>p:not(.eyebrow){color:var(--muted);font-size:1.04rem}.large-icon{color:#d7921826;position:absolute;top:24px;right:28px}.large-icon svg{width:105px;height:105px}.audience-note{border-left:4px solid var(--gold-500);background:#fff;border-radius:9px;align-items:flex-start;gap:12px;margin-top:28px;padding:17px;display:flex}.audience-note svg{color:var(--gold-600);flex:none}.check-card{color:#fff;background:var(--navy-900);box-shadow:var(--shadow)}.check-card h2{color:#fff}.check-card ul{gap:13px;padding:0;list-style:none;display:grid}.check-card li{color:#d7e2ee;border-bottom:1px solid #ffffff1a;align-items:flex-start;gap:11px;padding-bottom:13px;display:flex}.check-card li svg{width:18px;color:var(--gold-400);flex:none;margin-top:3px}.question-grid{grid-template-columns:repeat(3,1fr);gap:18px;display:grid}.question-grid article{border:1px solid var(--cream-dark);border-radius:var(--radius-md);background:#fff;padding:31px}.question-grid span{color:var(--gold-600);letter-spacing:.13em;font-size:.78rem;font-weight:900}.question-grid h3{color:var(--navy-900);font-family:var(--font-serif), Georgia, serif;margin:13px 0 0;font-size:1.25rem}.center-actions{flex-wrap:wrap;justify-content:center;align-items:center;gap:25px;margin-top:34px;display:flex}.compact-cta-section{color:#fff;background:var(--navy-900);padding:78px 0}.compact-cta{justify-content:space-between;align-items:center;gap:55px;display:flex}.compact-cta h2{color:#fff;max-width:730px;margin-bottom:8px}.compact-cta p:not(.eyebrow){color:#c5d3e1;margin:0}.form-page-grid{grid-template-columns:minmax(0,1.22fr) minmax(330px,.78fr);align-items:start;gap:34px;display:grid}.narrow-form{max-width:900px}.intake-card{border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow);background:#fff;overflow:hidden}.intake-heading{color:#fff;background:var(--navy-900);grid-template-columns:auto 1fr;gap:16px;padding:28px 32px;display:grid}.intake-heading>span{width:49px;height:49px;color:var(--navy-950);background:var(--gold-400);border-radius:13px;place-items:center;display:grid}.intake-heading h2{color:#fff;margin-bottom:6px;font-size:1.55rem}.intake-heading p{color:#c9d6e3;margin:0;font-size:.9rem}.intake-form{padding:32px;position:relative}.honeypot{width:1px;height:1px;position:absolute;left:-9999px;overflow:hidden}.form-grid{gap:18px;margin-bottom:18px;display:grid}.two-column{grid-template-columns:repeat(2,minmax(0,1fr))}.field{gap:7px;margin-bottom:18px;display:grid}.form-grid .field{margin-bottom:0}.field label{color:var(--navy-900);justify-content:space-between;font-size:.84rem;font-weight:800;display:flex}.field label span{color:#778293;font-size:.72rem;font-weight:600}.field input,.field select,.field textarea{width:100%;color:var(--ink);background:#fbfcfd;border:1px solid #bbc4d0;border-radius:9px;padding:12px 13px}.field input,.field select{min-height:48px}.field textarea{resize:vertical;min-height:120px}.field input:hover,.field select:hover,.field textarea:hover{border-color:#8e9aa9}.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy-700);outline:3px solid #efa8204d}.consent-row{background:var(--cream);color:#465163;border-radius:9px;grid-template-columns:auto 1fr;align-items:start;gap:11px;padding:16px;font-size:.81rem;display:grid}.consent-row input{width:18px;height:18px;accent-color:var(--navy-800);margin-top:3px}.form-submit-row{grid-template-columns:auto 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