:root{--navy:#001b48;--deep-navy:#001537;--gold:#c78308;--cream:#fbf8f1;--white:#fff;--ink:#0b1d42;--line:#e5d4b5}*{box-sizing:border-box}html{scroll-behavior:smooth}body{color:var(--ink);background:var(--white);margin:0;font-family:Arial,Helvetica,sans-serif}a{color:inherit}.site-header{background:var(--cream);border-bottom:1px solid #ddd4c5;grid-template-columns:1fr auto 1fr;align-items:center;gap:28px;min-height:118px;padding:14px clamp(24px,5vw,76px);display:grid}.brand-lockup{align-items:center;gap:20px;display:flex}.mk-badge{object-fit:cover;border-radius:50%;width:100px;height:100px}.brand-name{letter-spacing:4px;white-space:nowrap;gap:3px;display:grid}.brand-name strong{font-size:20px}.brand-name span{font-size:15px}.phone{white-space:nowrap;align-items:center;gap:12px;font-size:clamp(20px,2vw,28px);text-decoration:none;display:flex}.phone-icon{color:var(--gold);font-size:28px}.broker-logo{justify-self:end;width:min(255px,100%)}.choices{background:linear-gradient(90deg, #c7830809, transparent 20%, transparent 80%, #c7830809), var(--white);padding:28px clamp(20px,6vw,92px) 36px}.section-title{grid-template-columns:1fr auto 1fr;align-items:center;gap:22px;max-width:1310px;margin:0 auto 22px;display:grid}.section-title span{background:var(--gold);height:1px}.section-title h1{text-align:center;color:var(--deep-navy);margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(25px,3vw,41px);line-height:1.1}.action-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:26px;max-width:1310px;margin:0 auto;display:grid}.action-card{border:1px solid var(--line);background:linear-gradient(145deg,#fff,#fbf8f2);border-radius:13px;flex-direction:column;min-height:280px;padding:26px 27px 22px;display:flex;box-shadow:0 10px 28px #001b4812}.featured{border-top:5px solid var(--navy);padding-top:22px}.card-heading{grid-template-columns:62px 1fr;align-items:center;gap:17px;display:grid}.action-icon{background:var(--navy);width:62px;height:62px;color:var(--gold);border-radius:50%;place-items:center;font-size:38px;font-weight:700;display:grid;box-shadow:inset 0 0 0 2px #c783088c}.action-card h2{color:var(--deep-navy);margin:0;font-family:Georgia,Times New Roman,serif;font-size:clamp(22px,2.15vw,31px);line-height:1.04}.action-card p{text-align:center;min-height:64px;margin:22px 0 20px;font-size:18px;line-height:1.35}.action-button{border:2px solid var(--gold);min-height:58px;color:var(--deep-navy);background:var(--white);text-align:center;border-radius:10px;place-items:center;margin-top:auto;padding:12px 16px;font-size:18px;font-weight:800;text-decoration:none;transition:transform .15s,box-shadow .15s,background .15s;display:grid}.featured .action-button{color:var(--white);background:var(--navy)}.action-button:hover,.action-button:focus-visible{transform:translateY(-2px);box-shadow:0 8px 18px #001b482e}.action-button:focus-visible,.phone:focus-visible,footer a:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.guidance{background:#fff;border-top:1px solid #eee3d3;grid-template-columns:minmax(0,1fr) minmax(230px,350px);align-items:end;gap:40px;min-height:255px;padding:28px clamp(24px,8vw,132px) 0;display:grid;overflow:hidden}.guidance-copy{align-self:center;max-width:820px;padding-bottom:28px}.eyebrow{color:var(--gold);letter-spacing:3px;margin:0 0 12px;font-size:14px;font-weight:800}.guidance h2{color:var(--deep-navy);margin:0 0 12px;font-family:Georgia,Times New Roman,serif;font-size:clamp(30px,3.4vw,50px);line-height:1.04}.guidance-text{max-width:780px;margin:0;font-size:18px;line-height:1.45}.portrait-wrap{justify-content:center;align-items:flex-end;height:245px;display:flex}.portrait-wrap img{object-fit:contain;object-position:bottom center;max-width:100%;max-height:100%;display:block}footer{color:#fff;background:var(--deep-navy);grid-template-columns:1fr auto auto;align-items:center;gap:34px;min-height:88px;padding:18px clamp(24px,5vw,76px);display:grid}.credentials{color:#fff;letter-spacing:2px;flex-wrap:wrap;align-items:center;gap:12px 0;font-size:14px;font-weight:800;display:flex}.credentials span,.credentials strong{border-right:2px solid var(--gold);padding:0 20px}.credentials strong{padding-left:0}footer>a{color:#f4a817;white-space:nowrap;font-size:18px;font-weight:800;text-decoration:none}.compliance{justify-content:flex-end;align-items:center;display:flex}.compliance img{filter:brightness(0)invert();width:92px;height:auto;display:block}@media (width<=980px){.site-header{grid-template-columns:1fr auto}.phone{grid-area:2/1/auto/-1;justify-self:center}.action-grid{gap:14px}.action-card{padding-inline:18px}.card-heading{grid-template-columns:52px 1fr;gap:12px}.action-icon{width:52px;height:52px;font-size:31px}footer{grid-template-columns:1fr auto}.compliance{display:none}}@media (width<=760px){.site-header{gap:8px 18px;min-height:auto;padding:10px 18px 12px}.mk-badge{width:66px;height:66px}.brand-name{letter-spacing:2px}.brand-name strong{font-size:15px}.brand-name span{font-size:11px}.broker-logo{width:150px}.phone{font-size:19px}.choices{padding:20px 15px 28px}.section-title{grid-template-columns:24px 1fr 24px;gap:10px;margin-bottom:17px}.action-grid{grid-template-columns:1fr}.action-card{min-height:0;padding:20px}.action-card p{text-align:left;min-height:0;margin:14px 0 17px;font-size:16px}.action-button{min-height:53px}.guidance{grid-template-columns:1fr 145px;gap:10px;min-height:205px;padding:24px 20px 0}.guidance-copy{padding-bottom:25px}.eyebrow{letter-spacing:1.7px;font-size:11px}.guidance h2{font-size:28px}.guidance-text{font-size:15px}.portrait-wrap{height:180px}footer{text-align:center;grid-template-columns:1fr;gap:14px;padding:18px 20px}.credentials{justify-content:center;font-size:11px;line-height:1.4}footer>a{font-size:17px}}@media (width<=500px){.broker-logo{width:120px}.brand-name{display:none}.guidance{grid-template-columns:1fr 105px}.guidance h2{font-size:23px}.guidance-text{font-size:14px}.portrait-wrap{height:148px}}
