:root{
  --ink:#13283b; --ink-soft:#536370; --blue:#0d2a43; --blue2:#123d5f;
  --cream:#f5f1e9; --paper:#fbfaf7; --gold:#b28a55; --line:#dfe4e6; --white:#fff;
  --radius:20px; --shadow:0 18px 50px rgba(20,40,55,.10); --shell:min(1180px,calc(100% - 48px));
  --serif:Georgia,'Times New Roman',serif; --sans:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,'Segoe UI',Arial,sans-serif;
}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;background:var(--paper);color:var(--ink);font-family:var(--sans);line-height:1.6} img{max-width:100%;display:block} button,a{font:inherit} button{cursor:pointer} a{color:inherit;text-decoration:none}.shell{width:var(--shell);margin:auto}.skip-link{position:fixed;left:10px;top:-60px;background:#fff;padding:10px 14px;z-index:9999}.skip-link:focus{top:10px}
.site-header{position:fixed;inset:0 0 auto;z-index:100;padding:12px 0;transition:.35s ease}.site-header.scrolled{background:rgba(251,250,247,.88);backdrop-filter:blur(14px);box-shadow:0 6px 24px rgba(10,32,48,.06)}.header-inner{height:64px;display:flex;align-items:center;gap:28px}.brand img{width:155px;max-height:54px;object-fit:contain}.desktop-nav{margin-left:auto;display:flex;gap:24px;font-size:14px}.desktop-nav a{opacity:.78}.desktop-nav a:hover{opacity:1}.button{border:1px solid transparent;border-radius:999px;padding:13px 20px;background:var(--blue);color:#fff;font-weight:650;transition:.22s}.button:hover{transform:translateY(-2px)}.button-small{padding:10px 17px;font-size:14px}.header-cta{margin-left:4px}.menu-toggle{display:none;border:0;background:transparent;width:42px;height:42px}.menu-toggle span{display:block;height:2px;background:var(--ink);margin:7px}.mobile-menu{position:fixed;inset:82px 14px auto;background:#fff;border-radius:20px;box-shadow:var(--shadow);padding:20px;z-index:101}.mobile-menu a{display:block;padding:12px 4px;border-bottom:1px solid var(--line)}
.hero{position:relative;min-height:100svh;display:flex;align-items:center;overflow:hidden;background:#e8e5df}.hero-picture{position:absolute;inset:0;width:100%;height:100%}.hero-picture .hero-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center}.hero-wash{position:absolute;inset:0;background:linear-gradient(90deg,rgba(250,248,244,.99) 0%,rgba(250,248,244,.94) 24%,rgba(250,248,244,.48) 39%,rgba(250,248,244,0) 58%)}.hero-content{position:relative;z-index:2;width:var(--shell)}.hero-content h1{font:400 clamp(50px,6.8vw,88px)/.98 var(--serif);letter-spacing:-.04em;max-width:560px;margin:0 0 24px}.hero-content em{font-weight:400;color:var(--gold)}.hero-content p{max-width:370px;font-size:clamp(17px,1.45vw,21px);margin:0;color:#3a4b58}.scroll-cue{position:absolute;left:50%;bottom:24px;z-index:3;width:32px;height:48px;border:1px solid rgba(13,42,67,.3);border-radius:20px}.scroll-cue span{position:absolute;width:5px;height:5px;border-radius:50%;background:var(--blue);left:13px;top:10px;animation:scrollcue 1.8s infinite}@keyframes scrollcue{50%{transform:translateY(18px);opacity:.3}}
.section{padding:120px 0}.eyebrow{text-transform:uppercase;letter-spacing:.16em;font-size:12px;font-weight:750;color:var(--gold);margin:0 0 18px}.section h2{font:400 clamp(42px,5vw,68px)/1.06 var(--serif);letter-spacing:-.035em;margin:0 0 28px}.lead{font-size:clamp(21px,2vw,28px);line-height:1.4}.statement{font:400 clamp(28px,3vw,42px)/1.22 var(--serif);color:var(--blue)}.discovery{background:var(--cream);padding:150px 0}.discovery-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(360px,.85fr);gap:8vw;align-items:center}.discovery-lines{margin:54px 0}.discovery-lines p{font:400 clamp(24px,2.4vw,34px)/1.28 var(--serif);margin:20px 0}.bridge{margin-top:56px;color:var(--ink-soft)}.story-window{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);align-self:center}.story-window img{width:100%;height:auto}.story-window--soft{max-width:520px;justify-self:end}.why{background:#f1f4f4}.why-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(340px,.8fr);gap:7vw;align-items:center}.three-words{display:grid;margin:42px 0;gap:4px}.three-words span{font:400 clamp(34px,4vw,54px)/1.1 var(--serif);color:var(--blue)}
.solutions{background:#fff}.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:46px}.solution-card{border:1px solid var(--line);border-radius:var(--radius);padding:34px;min-height:355px;display:flex;flex-direction:column;background:#fff;transition:.25s}.solution-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.solution-card h3{font:400 30px/1.15 var(--serif);margin:18px 0}.card-kicker{text-transform:uppercase;letter-spacing:.13em;font-size:12px;color:var(--gold);font-weight:750}.micro{color:var(--ink-soft);font-size:14px}.text-link{margin-top:auto;padding:18px 0 0;border:0;background:none;color:var(--blue);font-weight:700;text-align:left}.specific-insurance{margin-top:70px;padding-top:52px;border-top:1px solid var(--line)}.specific-insurance h3{font:400 34px var(--serif);margin:0 0 4px}.specific-insurance p{color:var(--ink-soft)}.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:24px}.chips button{border:1px solid #ccd5d9;background:#fff;border-radius:999px;padding:12px 17px;color:var(--ink);transition:.2s}.chips button:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.business{background:var(--blue);color:#fff;overflow:hidden}.business-grid{display:grid;grid-template-columns:.8fr 1.15fr;gap:6vw;align-items:center}.eyebrow-light{color:#d2b486}.statement-light{color:#f4e9d7}.business-copy p{color:#dce6ed}.business-mantra{font:400 clamp(30px,3.5vw,48px)/1.16 var(--serif);color:#fff!important;margin:42px 0}.business-image{margin:0;border-radius:28px 0 0 28px;overflow:hidden;box-shadow:0 28px 80px rgba(0,0,0,.24)}.business-image img{width:100%;height:100%;object-fit:cover}.cta-row{display:flex;flex-wrap:wrap;gap:10px}.button-light{background:#fff;color:var(--blue)}.button-ghost-light{border-color:rgba(255,255,255,.38);background:transparent;color:#fff}
.criterion{background:#f8f7f3;padding-bottom:0}.criterion-thesis{font:400 clamp(30px,3vw,44px)/1.2 var(--serif);max-width:800px;color:var(--blue)}.criterion-intro{max-width:760px;color:var(--ink-soft)}.pillars-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin:55px 0 90px}.pillar{border-top:2px solid #ccd5d9;padding:24px 8px 8px}.pillar span{font-size:12px;color:var(--gold);font-weight:700}.pillar h3{text-transform:uppercase;letter-spacing:.08em;font-size:13px;margin:14px 0}.pillar p{font-size:15px;color:var(--ink-soft)}.pillar-accent{border-top-color:var(--gold)}.pillar strong{display:block;font:400 20px/1.42 var(--serif);color:var(--blue);margin-top:18px}.interruption{width:min(78vw,1260px);margin:0 auto;transform:translateY(52px);position:relative;z-index:2;border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.market{background:#fff;padding-top:170px}.market-inner{text-align:center}.market-line{font:400 clamp(24px,2.4vw,34px)/1.45 var(--serif);margin:0 auto 42px}.logo-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:10px}.logo-grid div{min-height:96px;border:1px solid var(--line);border-radius:14px;display:grid;place-items:center;font-size:10px;letter-spacing:.12em;color:#91a0aa;background:#fcfcfb}.placeholder-note{font-size:12px;color:#84919a;margin-top:15px}.continuation{width:min(78vw,1260px);margin:90px auto 0;border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}
.contact{background:var(--blue);color:#fff}.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:7vw;align-items:start}.contact-copy p{color:#dce6ed}.contact-focus{font:400 34px/1.25 var(--serif);color:#fff!important}.contact-actions{display:flex;flex-wrap:wrap;gap:10px;margin:36px 0}.contact-direct{display:flex;gap:12px;align-items:center;color:#dce6ed}.contact-direct button,.site-footer button{border:0;background:none;color:inherit;padding:0}.contact-form{background:#fff;color:var(--ink);border-radius:24px;padding:34px;box-shadow:0 20px 60px rgba(0,0,0,.2)}.contact-form label{display:block;font-size:13px;font-weight:650;margin-bottom:16px}.contact-form input,.contact-form textarea{display:block;width:100%;margin-top:7px;border:1px solid #d8dfe2;border-radius:11px;background:#fcfcfb;padding:13px 14px;color:var(--ink);font:inherit}.form-note{font-size:11px;color:#7d8a92;margin-top:16px}

.site-footer{background:#091a28;color:#b9c7d0;padding:70px 0 26px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:40px}.footer-grid h3{color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.12em}.footer-grid a,.footer-grid button{display:block;margin:9px 0;font-size:14px}.footer-logo{width:155px;filter:brightness(0) invert(1)}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:48px;padding-top:22px;font-size:12px}.whatsapp-float{position:fixed;right:18px;bottom:18px;width:52px;height:52px;border-radius:50%;border:0;background:#245f50;color:#fff;font-weight:800;z-index:80;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.reveal{opacity:1;transform:none}.reveal-ready .reveal{opacity:0;transform:translateY(16px);transition:opacity .75s ease,transform .75s ease}.reveal-ready .reveal.is-visible{opacity:1;transform:none}
@media(max-width:1024px){:root{--shell:min(100% - 36px,920px)}.desktop-nav{display:none}.menu-toggle{display:block;margin-left:auto}.header-cta{display:none}.hero-wash{background:linear-gradient(90deg,rgba(250,248,244,.98),rgba(250,248,244,.78) 43%,rgba(250,248,244,.12) 70%)}.discovery-grid,.why-grid,.business-grid,.contact-grid{grid-template-columns:1fr}.story-window--soft{justify-self:start}.business-image{border-radius:24px}.cards-grid{grid-template-columns:repeat(2,1fr)}.solution-card:last-child{grid-column:1/-1}.pillars-grid{grid-template-columns:repeat(2,1fr)}.logo-grid{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){:root{--shell:calc(100% - 28px)}.section{padding:86px 0}.header-inner{height:56px}.brand img{width:132px}.hero{min-height:100svh;align-items:flex-end;padding-bottom:90px}.hero-image{object-position:56% center}.hero-wash{background:linear-gradient(180deg,rgba(250,248,244,.36) 0%,rgba(250,248,244,.72) 47%,rgba(250,248,244,.98) 70%,#faf8f4 100%)}.hero-content h1{max-width:none;font-size:clamp(43px,12.5vw,62px)}.hero-content p{max-width:92%}.scroll-cue{display:none}.discovery{padding:100px 0}.discovery-grid,.why-grid{gap:48px}.story-window{border-radius:16px}.cards-grid{grid-template-columns:1fr}.solution-card:last-child{grid-column:auto}.solution-card{min-height:0}.chips{display:grid;grid-template-columns:1fr}.chips button{text-align:left}.business-grid{gap:45px}.business-image{border-radius:18px}.pillars-grid{grid-template-columns:1fr;margin-bottom:65px}.interruption,.continuation{width:calc(100% - 28px);border-radius:16px}.market{padding-top:140px}.logo-grid{grid-template-columns:repeat(2,1fr)}.contact-actions{display:grid}.contact-actions .button{width:100%}.contact-form{padding:24px}.footer-grid{grid-template-columns:1fr}.whatsapp-float{width:48px;height:48px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.scroll-cue span{animation:none}}

.discovery-visuals{display:grid;gap:28px;align-self:center}.story-window--f03{width:92%;justify-self:start}.story-window--f04{width:88%;justify-self:end;margin-top:-8px}.story-window--f03 img,.story-window--f04 img{aspect-ratio:16/10;object-fit:cover}.continuity-pair{margin-top:76px}.before-interruption{width:min(62vw,980px);margin:0 0 -18px auto;border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}.before-interruption img{width:100%;aspect-ratio:16/9;object-fit:cover}.interruption{margin-top:54px}
@media(max-width:1024px){.discovery-visuals{grid-row:auto;gap:22px}.story-window--f03,.story-window--f04{width:min(100%,760px)}.story-window--f03{justify-self:start}.story-window--f04{justify-self:end}.before-interruption{width:min(82vw,860px)}}
@media(max-width:720px){.discovery-visuals{gap:16px}.story-window--f03,.story-window--f04{width:100%;margin:0}.continuity-pair{margin-top:54px}.before-interruption{width:100%;border-radius:16px;margin:0}.interruption{margin-top:22px}}

.legacy{background:#f5f1ea;padding:clamp(90px,11vw,170px) 0;overflow:hidden}.legacy-frame{width:min(1380px,92vw);margin:0 auto clamp(90px,12vw,180px);border-radius:24px;overflow:hidden;box-shadow:0 26px 80px rgba(14,31,45,.13)}.legacy-frame img{display:block;width:100%;height:auto}.legacy-present{width:min(1260px,86vw)}.legacy-family{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,64px);align-items:center}.legacy-family-card{margin:0;border-radius:22px;overflow:hidden;box-shadow:0 22px 60px rgba(14,31,45,.12)}.legacy-family-card:nth-child(2){transform:translateY(7vw)}.legacy-family-card img{display:block;width:100%;height:auto}.return-meeting{position:relative;min-height:100svh;display:flex;align-items:center;overflow:hidden;background:#eee}.return-meeting>picture,.return-meeting>picture img{position:absolute;inset:0;width:100%;height:100%}.return-meeting>picture img{object-fit:cover;object-position:center}.return-wash{position:absolute;inset:0;background:linear-gradient(90deg,rgba(247,244,238,.98) 0%,rgba(247,244,238,.92) 25%,rgba(247,244,238,.38) 48%,rgba(247,244,238,.04) 72%)}.return-copy{position:relative;z-index:2;padding-top:12vh;padding-bottom:12vh}.return-copy h2{max-width:700px;font-size:clamp(48px,6.2vw,88px);line-height:.98;margin:0 0 42px;color:#10283d}.return-copy img{width:190px;height:auto}
@media(max-width:720px){.legacy{padding:86px 0}.legacy-frame,.legacy-present{width:calc(100% - 28px);margin-bottom:76px;border-radius:16px}.legacy-family{grid-template-columns:1fr;gap:28px}.legacy-family-card{border-radius:16px}.legacy-family-card:nth-child(2){transform:none}.return-meeting{min-height:100svh;align-items:flex-end;padding-bottom:78px}.return-meeting>picture img{object-position:58% center}.return-wash{background:linear-gradient(180deg,rgba(247,244,238,.06) 0%,rgba(247,244,238,.28) 42%,rgba(247,244,238,.96) 70%,#f7f4ee 100%)}.return-copy{padding-top:45vh;padding-bottom:0}.return-copy h2{max-width:95%;font-size:clamp(42px,11vw,60px)}.return-copy img{width:155px}}

:root{--shell:min(1240px,calc(100% - 56px))}
.section{padding:104px 0}.section h2{font-size:clamp(40px,4.5vw,62px)}
.discovery{padding:118px 0}.discovery-grid{grid-template-columns:minmax(0,.9fr) minmax(440px,1.1fr);gap:6vw}.discovery-lines{margin:42px 0}.discovery-lines p{font-size:clamp(23px,2.15vw,31px);margin:16px 0}.discovery-visuals{gap:20px}.story-window--f03{width:96%}.story-window--f04{width:94%;margin-top:-2px}
.why-grid{grid-template-columns:minmax(0,.92fr) minmax(430px,1.08fr);gap:6vw}.story-window--soft{max-width:650px}.three-words{margin:34px 0}
.solutions h2{font-size:clamp(38px,4vw,56px)}.solution-card{padding:38px;min-height:330px}.solution-card h3{font-size:32px}.specific-insurance{margin-top:58px;padding-top:44px}
.business-grid{grid-template-columns:.82fr 1.18fr;gap:5vw}.business-image{min-height:520px}.business-image img{min-height:520px;object-fit:cover}.business-mantra{margin:34px 0}
.criterion{padding-top:100px}.pillars-grid{margin:44px 0 64px}.continuity-pair{margin-top:52px}.before-interruption{width:min(68vw,1080px)}.interruption{width:min(82vw,1320px);margin-top:38px}
.market{padding-top:150px}.market-inner{max-width:1160px}.logo-grid{grid-template-columns:repeat(5,1fr);gap:16px;align-items:center}.logo-grid .insurer-logo{min-height:118px;border:0;border-radius:0;background:transparent;display:flex;align-items:center;justify-content:center;padding:18px 22px}.insurer-logo img{width:100%;height:72px;object-fit:contain;filter:none}.insurer-logo:nth-child(6) img,.insurer-logo:nth-child(11) img{height:82px}.continuation{width:min(82vw,1320px);margin-top:72px}
.legacy{padding:110px 0 145px}.legacy-frame{margin-bottom:105px}.legacy-family{gap:42px}.return-copy h2{font-size:clamp(42px,5vw,70px);line-height:1.04;max-width:650px}.return-copy img{width:175px}
.contact{padding:105px 0}.contact h2{font-size:clamp(42px,4.5vw,62px)}.whatsapp-float{width:48px;height:48px;font-size:12px}
@media(max-width:1024px){:root{--shell:min(100% - 38px,940px)}.discovery-grid,.why-grid{grid-template-columns:1fr}.logo-grid{grid-template-columns:repeat(3,1fr)}.business-image{min-height:auto}.business-image img{min-height:auto}}
@media(max-width:720px){:root{--shell:calc(100% - 28px)}.section{padding:82px 0}.discovery{padding:90px 0}.logo-grid{grid-template-columns:repeat(2,1fr);gap:8px}.logo-grid .insurer-logo{min-height:92px;padding:14px}.insurer-logo img{height:58px}.legacy{padding:82px 0 100px}}

.site-header{padding:10px 0}.header-inner{height:68px}.brand{display:flex;flex-direction:column;align-items:center;justify-content:center;line-height:1}.brand img{width:183px;max-height:58px;object-fit:contain}.brand-country{display:block;margin-top:2px;font-size:8px;font-weight:700;letter-spacing:.22em;color:#536370}.desktop-nav{font-size:15px;gap:25px}
.hero-image{object-position:56% center}.return-meeting>picture img{object-position:56% center}
.discovery .bridge{font-size:clamp(16px,1.35vw,19px);line-height:1.5}
.why-copy>p:not(.lead):not(.statement){font-size:clamp(16px,1.25vw,18px)}
.text-link{align-self:flex-start;margin-top:auto;padding:11px 18px;border:0;border-radius:999px;background:#35b9d1;color:#fff;font-weight:750;text-align:center;box-shadow:0 7px 18px rgba(53,185,209,.16);transition:.22s}.text-link:hover{background:#28a9c0;transform:translateY(-1px)}
.business-copy>p:not(.lead):not(.statement):not(.business-mantra){font-size:clamp(16px,1.3vw,19px);line-height:1.65}
@media(max-width:720px){.header-inner{height:60px}.brand img{width:148px}.brand-country{font-size:7px;margin-top:1px}.hero-image{object-position:60% center}.return-meeting>picture img{object-position:60% center}}

.brand-country{display:none!important}
.country-mark{flex:0 0 52px;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;margin-left:-10px;line-height:1}
.country-mark img{display:block!important;width:46px!important;height:30px!important;max-width:46px!important;max-height:30px!important;object-fit:cover!important}
.country-mark span{font-size:9px;line-height:1.1;color:#435562;white-space:nowrap}
.hero-content{transform:translateX(-40px)}
@media(max-width:1024px){.country-mark{display:none}.hero-content{transform:none}}

.insurance-discovery-cta{margin-top:28px}.button-discovery{background:var(--cyan,#35b9d1);color:#fff;border-color:transparent}.contact-details{margin-top:26px;padding-top:22px;border-top:1px solid rgba(255,255,255,.2);max-width:560px}.contact-details p{margin:7px 0;color:#dce6ed}.contact-details strong{color:#fff}.contact-details a{text-decoration:none}.contact-details a:hover{text-decoration:underline}

.footer-pending{display:block;margin:9px 0;font-size:14px;color:#8fa0ab;cursor:default}
@media(max-width:720px){.contact-form .button[type="submit"]{width:100%}}