:root{--navy:#1D2946;--navy-deep:#121C34;--gold:#C99B4D;--gold-dark:#A97B2B;--gold-pale:#FBF4E8;--ink:#1D2946;--muted:#5E6976;--line:#E2E8EC;--pale:#F7F8FB;--cream:#FCFBF7;--white:#fff;--max:1180px;--shadow:0 18px 60px rgba(20,38,65,.12)}
*,*::before,*::after{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:98px}body{margin:0;color:var(--ink);background:#fff;font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input{font:inherit}button{cursor:pointer}svg{display:block;flex-shrink:0}:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.wrap{width:min(var(--max),100% - 44px);margin:auto}.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.skip{position:absolute;left:12px;top:-100px;z-index:200;background:white;padding:10px 15px;border-radius:10px}.skip:focus{top:8px}
.topbar{background:var(--navy-deep);color:#fff}.topbar .wrap{min-height:39px;display:flex;justify-content:space-between;align-items:center;gap:14px;font-size:13px}.topbar a{display:inline-flex;gap:7px;align-items:center;font-weight:800}.topbar .tel{font-size:17px;letter-spacing:-.01em}.topbar span{color:#E9D2A2;font-size:12px;font-weight:650}.topbar svg{width:17px;height:17px}
.site-header{position:sticky;top:0;z-index:70;background:rgba(255,255,255,.98);border-bottom:1px solid #E9ECF2;box-shadow:0 2px 8px rgba(11,30,45,.03)}.head{height:77px;display:flex;gap:17px;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:11px;min-width:0;max-width:480px}.brand-icon{width:47px;height:47px;flex-shrink:0;border-radius:14px;background:var(--navy);color:var(--gold);display:grid;place-items:center;box-shadow:inset 0 0 0 1px #ffffff21}.brand-icon svg{width:27px;height:27px;stroke-width:1.5}.brand-txt{min-width:0}.brand-txt strong{display:block;font-family:Georgia,serif;letter-spacing:-.025em;font-size:27px;font-weight:700;line-height:1.05}.brand-txt small{display:block;font-size:10px;font-weight:760;letter-spacing:.08em;text-transform:uppercase;color:#997331;overflow:hidden;text-overflow:ellipsis;white-space:nowrap;margin-top:5px}.nav{display:flex;gap:19px;align-items:center;flex-shrink:0}.nav a{font-size:13px;font-weight:740;color:#415166;white-space:nowrap}.nav a:hover{color:var(--gold-dark)}.head-actions{display:flex;gap:9px;align-items:center;flex-shrink:0}.btn{min-height:45px;display:inline-flex;align-items:center;justify-content:center;gap:9px;padding:9px 18px;border-radius:11px;text-align:center;font-size:14px;font-weight:800;border:1px solid transparent;transition:transform .16s,background .16s}.btn:hover{transform:translateY(-1px)}.btn-gold{background:var(--gold);color:#17253B;box-shadow:0 7px 19px #C99B4D3b}.btn-gold:hover{background:#DEB163}.btn-outline{border-color:#BFC8D1;background:#1d2946 ;color:#fff;}.btn-outline:hover{background:#F6F8FA}.btn-navy{background:var(--navy);color:#fff}.toggle{display:none;background:#F3F5F8;border:0;width:46px;height:46px;border-radius:12px;align-items:center;justify-content:center;color:var(--navy)}.mobile-nav{display:none;border-top:1px solid var(--line);padding:8px 22px 17px;background:#fff}.mobile-nav a{display:block;padding:11px 5px;border-bottom:1px solid #eaeef1;font-weight:740;font-size:14px}.mobile-nav[hidden]{display:none!important}
.preview-ribbon{background:#FFF6E2;color:#79551c;border-bottom:1px solid #F2E1BB;padding:5px 0;text-align:center;font-size:11px;font-weight:700;letter-spacing:.01em}
.hero{background:linear-gradient(135deg,#FCFBF7 0%,#EFF4F7 80%,#F8F6EF 100%);position:relative;overflow:hidden}.hero:before{content:"";width:430px;height:430px;border-radius:50%;border:1px solid rgba(201,155,77,.24);position:absolute;right:-220px;top:-230px;box-shadow:0 0 0 73px rgba(201,155,77,.035),0 0 0 150px rgba(201,155,77,.026);pointer-events:none}.hero-inner{display:grid;grid-template-columns:1fr 1fr;gap:6%;padding:49px 0 63px;align-items:start;position:relative}.hero-copy{padding-top:32px;max-width:560px}.eyebrow{font-size:11px;font-weight:900;letter-spacing:.16em;color:#926728;text-transform:uppercase;display:inline-flex;gap:10px;align-items:center}.eyebrow:before{content:"";width:22px;height:2px;background:var(--gold)}h1,h2,h3,p{overflow-wrap:break-word}.hero h1{font-size:clamp(42px,4.5vw,66px);line-height:1.065;letter-spacing:-.046em;font-family:Georgia,"Times New Roman",serif;font-weight:500;margin:17px 0 19px}.hero h1 em{color:#AB7B2A;font-style:normal}.hero-copy>p{font-size:18px;color:#526272;line-height:1.7;max-width:515px;margin:0 0 25px}.hero-actions{display:flex;gap:11px;flex-wrap:wrap}.hero-badges{display:flex;gap:14px;flex-wrap:wrap;margin-top:23px;color:#405365;font-size:13px;font-weight:670}.hero-badges span{display:inline-flex;align-items:center;gap:6px}.hero-badges svg{color:#AB7B2A;width:17px;height:17px}.advisor-line{margin-top:31px;display:flex;gap:12px;align-items:center}.advisor-avatar{width:54px;height:54px;flex-shrink:0;border-radius:50%;background:linear-gradient(135deg,var(--navy),#3E5A78);display:grid;place-items:center;color:#fff;font-size:20px;font-family:Georgia,serif;border:3px solid #fff;box-shadow:0 5px 14px #182c4620}.advisor-line strong{font-size:14px;display:block}.advisor-line small{font-size:12px;display:block;color:#657180}
.quote-wrap{width:100%;position:relative;max-width:550px;justify-self:end}.quote-wrap::before{content:"";inset:17px -13px -14px 13px;border-radius:25px;background:#E5D6B9;position:absolute;transform:rotate(1.8deg);opacity:.53}.quote-card{position:relative;background:#fff;border:1px solid #DFE7EA;border-radius:24px;padding:22px 23px 25px;box-shadow:var(--shadow)}.quote-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:4px}.quote-kicker{font-size:10px;letter-spacing:.15em;font-weight:900;text-transform:uppercase;color:#956D2E}.pill{background:#F7F0E5;color:#8F692D;font-weight:800;font-size:10px;padding:6px 9px;white-space:nowrap;border-radius:20px}.quote-card h2{font-size:28px;line-height:1.19;letter-spacing:-.025em;margin:6px 0;font-family:Georgia,serif;font-weight:500}.quote-sub{font-size:13px;color:var(--muted);margin:0 0 13px}.quote-holder{position:relative;min-height:70px}.quote-holder.loaded .quote-widget{position:relative;z-index:1;min-height:10px}.form-legal{border-top:1px solid #E9ECEF;padding-top:12px;margin:13px 0 0;color:#707D8B;font-size:11px;line-height:1.5}.form-legal strong{color:var(--navy)}
.trust{border-bottom:1px solid var(--line);background:#fff}.trust-row{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;padding:19px 0}.trust-item{display:flex;gap:9px;align-items:center;justify-content:center;color:#5C6B79;font-size:13px;font-weight:720}.trust-item svg{color:#B18A44;width:20px;height:20px}
.section{padding:75px 0}.section.muted{background:var(--pale)}.section-head{max-width:740px;margin-bottom:27px}.section-head .eyebrow{margin-bottom:7px}.section-head h2{font:500 clamp(30px,3.5vw,43px)/1.15 Georgia,serif;letter-spacing:-.035em;margin:6px 0 12px}.section-head p{font-size:15px;color:#5E6B79;margin:0}.product-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:13px}.product{padding:21px 19px;min-width:0;border:1px solid #E1E7EC;border-radius:17px;background:#fff;display:flex;flex-direction:column;gap:9px;transition:box-shadow .2s, transform .2s}.product:hover{transform:translateY(-3px);box-shadow:0 13px 30px rgba(18,37,65,.09)}.product .icon-box{width:42px;height:42px;border-radius:12px;background:#F7F0E3;color:#997133;display:grid;place-items:center}.product h3{font-size:17px;line-height:1.3;margin:3px 0 0}.product p{font-size:13px;color:#667381;line-height:1.58;margin:0;flex:1}.product span{display:inline-flex;gap:7px;align-items:center;margin-top:8px;font-size:12px;font-weight:850;color:#8E6626}.product span svg{width:16px;height:16px}
.about-grid{display:grid;grid-template-columns:350px 1fr;gap:58px;align-items:center}.portrait-box{min-height:365px;display:flex;flex-direction:column;align-items:center;justify-content:center;border-radius:23px;background:radial-gradient(circle at 75% 15%,#D8C39E 0,#EFF3F6 45%,#E6ECEF 100%);border:1px solid #E0E6EA;position:relative;overflow:hidden}.portrait-box::after{content:"";width:290px;height:290px;border-radius:50%;border:1px solid #C99B4D70;position:absolute;top:10px;right:-100px;box-shadow:0 0 0 44px #C99B4D12;z-index:0}.portrait-box .avatar-large{display:grid;place-items:center;font:500 75px Georgia,serif;color:#fff;background:var(--navy);height:150px;width:150px;border-radius:50%;border:5px solid #fff;box-shadow:0 16px 33px #20334A26;z-index:2}.portrait-box span{z-index:2;margin-top:14px;font-size:13px;color:#46566B;font-weight:750}.about-grid h2{font:500 clamp(32px,3.8vw,46px)/1.14 Georgia,serif;letter-spacing:-.03em;margin:9px 0 18px}.about-grid p{color:#586775;font-size:15px;margin:0 0 13px}.language{display:flex;flex-wrap:wrap;gap:8px;margin-top:20px}.language span{font-size:12px;padding:7px 10px;border-radius:30px;background:#F5F3EC;border:1px solid #E7DAC5;color:#775923;font-weight:750}
.how-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.step{border-radius:16px;background:white;border:1px solid #E5E9ED;padding:22px}.step b{display:grid;place-items:center;background:#F5ECDE;color:#8B6A34;height:38px;width:38px;border-radius:12px;font-size:14px}.step h3{font-size:17px;margin:13px 0 5px}.step p{font-size:13px;color:#617080;margin:0}
.faq-list{max-width:900px;display:grid;gap:10px}.faq-list details{background:white;border:1px solid #E0E6EC;border-radius:13px;padding:0 16px}.faq-list summary{padding:18px 0;cursor:pointer;font-weight:740;font-size:15px;list-style:none;display:flex;align-items:center;justify-content:space-between;gap:15px}.faq-list summary::-webkit-details-marker{display:none}.faq-list summary::after{content:'+';color:#987133;font-size:23px;font-weight:400;line-height:1}.faq-list details[open] summary::after{content:'−'}.faq-list details p{margin:0;padding:0 0 17px;color:#647282;font-size:14px}
.contact-card{border-radius:24px;background:var(--navy);color:white;display:grid;grid-template-columns:1fr 1fr;gap:35px;padding:35px 40px}.contact-card h2{font:500 36px Georgia,serif;letter-spacing:-.025em;margin:4px 0 13px}.contact-card p{color:#DFE5ED;font-size:14px;margin:0 0 20px}.contact-actions{display:flex;flex-wrap:wrap;gap:9px}.contact-actions .btn-outline{background:transparent;color:#fff;border-color:#8290A9}.contact-detail{display:grid;gap:15px}.contact-detail a,.contact-detail div{display:flex;align-items:flex-start;gap:11px;font-size:14px}.contact-detail svg{color:#E7BA6C}.contact-detail small{color:#E1E8EF;font-size:12px}.contact-detail strong{color:#fff}.footer{background:var(--navy-deep);color:#BCC8D5;padding:30px 0 100px}.footer .wrap{display:flex;align-items:flex-start;justify-content:space-between;gap:20px;flex-wrap:wrap}.footer strong{color:#fff}.footer a{color:#EBD0A1}.footnote{font-size:12px;margin:8px 0 0;max-width:670px}.footer-links{display:flex;gap:18px;flex-wrap:wrap;font-size:12px;font-weight:700}
.mobile-sticky{display:none}
@media(max-width:1120px){.nav{display:none}.toggle{display:inline-flex}.header-quote{display:none}}
@media(max-width:810px){.hero-inner{grid-template-columns:1fr;gap:23px;padding:31px 0 45px}.hero-copy{order:2;padding:0}.quote-wrap{order:1;justify-self:stretch;max-width:100%}.hero h1{font-size:43px}.about-grid{grid-template-columns:1fr 1fr;gap:28px}.product-grid{grid-template-columns:repeat(2,1fr)}.trust-row{gap:9px}.trust-item{font-size:11px;line-height:1.3}.contact-card{gap:22px;padding:25px}.footer{padding-bottom:106px}}
@media(max-width:600px){.wrap{width:min(100% - 30px,var(--max))}.topbar .wrap{min-height:38px;justify-content:center}.topbar .tel{font-size:19px}.topbar .top-note{display:none}.head{height:66px;gap:6px}.brand{gap:7px;min-width:0;flex:1}.brand-icon{height:39px;width:39px;border-radius:11px}.brand-icon svg{width:23px;height:23px}.brand-txt strong{font-size:23px}.brand-txt small{font-size:9px;letter-spacing:0;max-width:220px}.head-actions .btn{display:none}.toggle{width:43px;height:43px;border-radius:11px}.preview-ribbon{font-size:10px;line-height:1.4;padding:5px 4px}.hero-inner{padding:8px 0 27px;gap:25px}.hero::before{display:none}.quote-wrap::before{display:none}.quote-card{padding:14px 13px 17px;border-radius:17px;box-shadow:0 9px 29px rgba(20,38,65,.07)}.quote-card h2{font-size:23px;margin:3px 0 2px}.quote-kicker{font-size:9px}.pill{padding:4px 7px;font-size:9px}.quote-sub{font-size:12px;line-height:1.38;margin:0 0 9px}.quote-holder{min-height:70px}.form-legal{font-size:10px;line-height:1.45;margin-top:9px;padding-top:9px}.hero-copy .eyebrow{font-size:10px}.hero h1{font-size:36px;margin:8px 0 10px}.hero-copy>p{font-size:15px;line-height:1.6;margin-bottom:17px}.hero-actions .btn{flex:1;padding:9px}.hero-badges{margin-top:16px}.advisor-line{margin-top:22px}.trust-row{grid-template-columns:1fr;gap:7px;padding:13px 0}.trust-item{justify-content:flex-start;font-size:12px}.section{padding:51px 0}.section-head h2{font-size:31px}.product-grid{gap:10px}.product{padding:15px 12px;border-radius:14px}.product h3{font-size:14px}.product p{font-size:12px}.product .icon-box{width:38px;height:38px}.about-grid{grid-template-columns:1fr;gap:17px}.portrait-box{min-height:235px}.portrait-box .avatar-large{width:112px;height:112px;font-size:57px}.about-grid h2{font-size:32px}.how-grid{grid-template-columns:1fr;gap:10px}.contact-card{grid-template-columns:1fr;gap:19px;padding:23px 18px;border-radius:18px}.contact-card h2{font-size:29px}.contact-actions .btn{width:100%}.mobile-sticky{display:grid;grid-template-columns:repeat(3,1fr);position:fixed;bottom:0;left:0;right:0;z-index:90;min-height:64px;padding:5px 7px calc(5px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid #DEE5E9;box-shadow:0 -8px 29px rgba(14,35,55,.10)}.mobile-sticky a{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:0;min-height:52px;border-radius:8px;font-size:10px;font-weight:780;line-height:1.22;color:var(--navy)}.mobile-sticky a:first-child{background:var(--navy);color:#fff}.mobile-sticky svg{width:19px;height:19px;margin-bottom:3px}.footer{padding-bottom:115px}.footnote{line-height:1.5}}
@media(max-width:360px){.brand-txt strong{font-size:21px}.brand-txt small{font-size:8px;max-width:192px}.wrap{width:min(100% - 24px,var(--max))}.hero-inner{padding-top:6px}.quote-card{padding:12px 10px}.quote-card h2{font-size:21px}.quote-sub{font-size:11px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{animation-duration:.01ms!important;transition:none!important}}

/* StarLife site-wide layout refinements — mobile form always comes first */
.topbar .wrap{justify-content:space-between}.topbar .wa-top{display:inline-flex;align-items:center;gap:7px;font-size:13px;color:#F4DBA9;font-weight:800;white-space:nowrap}.topbar .wa-top svg{height:16px;width:16px}.topbar .top-note{display:none}
.quote-sub{max-width:550px}.inner-hero{background:linear-gradient(130deg,#FCFBF7,#EEF2F8);padding:30px 0 54px}.inner-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,550px);gap:55px;align-items:start}.inner-copy{padding:32px 0}.inner-copy h1{font:500 clamp(38px,4vw,58px)/1.08 Georgia,serif;letter-spacing:-.04em;margin:15px 0}.inner-copy p{color:#506072;font-size:17px}.inner-copy .mini-list{color:#415368;padding-left:19px}.inner-copy .mini-list li{margin:10px 0}.page-section{padding:58px 0}.page-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:40px}.page-grid h2,.page-section h2{font:500 clamp(30px,3.3vw,42px)/1.17 Georgia,serif;letter-spacing:-.035em;margin:0 0 15px}.page-grid p,.page-section p{color:#516174}.info-panel{background:#F7F8FB;border:1px solid #E1E7ED;padding:25px;border-radius:17px}.info-panel h3{margin:0 0 14px}.info-panel ul{padding-left:19px;color:#506173}.info-panel li{margin:8px 0}.resource-link{font-weight:760;color:#8D681F;text-decoration:underline;text-underline-offset:3px}.eyebrow.no-rule:before{display:none}.compact-result{background:#F6F8FB;padding:22px 0 32px;min-height:50vh}.compact-result h1{font:500 clamp(24px,3.2vw,38px)/1.12 Georgia,serif;margin:4px 0 10px}.compact-result p{color:#637286;margin:0 0 18px;font-size:14px}.result-mount{background:#fff;border:1px solid var(--line);border-radius:16px;padding:10px;min-height:220px}.result-actions{display:flex;gap:10px;flex-wrap:wrap}.mini-title{font-size:12px;color:#A07834;text-transform:uppercase;letter-spacing:.12em;font-weight:900}.local-area{font-size:13px;color:#66788A}.access-note{font-size:13px;margin-top:12px;color:#697788}.contact-full{display:grid;grid-template-columns:1fr 1fr;gap:18px}.contact-full a,.contact-full .panel{border:1px solid var(--line);border-radius:17px;padding:20px;background:#fff;display:block;overflow-wrap:anywhere}.contact-full strong{display:block}.contact-full small{color:#6A7889}.legal-small{font-size:12px;color:#69778B}.footer-links{align-items:start}.site-header{z-index:80}.mobile-sticky{z-index:90}
body.quote-workspace .site-header .head{height:56px}body.quote-workspace .site-header .header-quote{display:none}body.quote-workspace .site-header .brand-icon{width:37px;height:37px}body.quote-workspace .site-header .brand-txt strong{font-size:21px}body.quote-workspace .mobile-sticky{display:none!important}body.quote-workspace .footer{padding-bottom:30px}
@media(max-width:810px){.inner-grid{grid-template-columns:1fr;gap:21px}.inner-grid .quote-wrap{order:-1}.inner-copy{padding:2px 0}.page-grid{grid-template-columns:1fr;gap:15px}}
@media(max-width:600px){.topbar .wrap{justify-content:space-between;gap:8px}.topbar .tel{font-size:17px}.topbar .wa-top{font-size:12px}.inner-hero{padding:7px 0 30px}.inner-grid{gap:17px}.inner-copy h1{font-size:34px}.inner-copy p{font-size:15px}.inner-copy{padding:0}.page-section{padding:37px 0}.info-panel{padding:17px}.contact-full{grid-template-columns:1fr}.compact-result{padding:12px 0 25px}.compact-result h1{font-size:25px}.result-mount{padding:7px}.footer .wrap{display:block}.footer-links{margin-top:16px}body.quote-workspace .topbar .wrap{min-height:33px}body.quote-workspace .site-header .head{height:54px}body.quote-workspace .brand-txt strong{font-size:19px!important}body.quote-workspace .brand-txt small{font-size:8px}}
@media(max-width:350px){.topbar .tel{font-size:15px}.topbar .wa-top{font-size:11px}}

body.quote-comparison-active .mobile-sticky{display:none!important}

/* YourQuote initializes directly: no artificial connection overlay or skeleton. */
.quote-holder > [data-yourquote-mount]{position:relative;z-index:1}

/* 2026-10 Sanjiv Puri revisions: shared navigation, phone/email header, four-product homepage. */
.mobile-nav:not([hidden]){display:block!important}
.site-header .head{min-height:70px;height:auto;padding-top:10px;padding-bottom:10px}
.nav-wrap{border-top:1px solid var(--line);background:#1d2946}
.nav-wrap .nav{justify-content:space-between;gap:12px;min-height:49px;flex-wrap:wrap}
.nav-wrap .nav a{font-size:12px;line-height:1.4;padding:10px 2px;white-space:normal;color:#fff}
.email-top{font-size:13px;font-weight:700;color:#f4dbaf;white-space:nowrap}
.header-whatsapp{background: #1d2946;
    color: #fff; display:inline-flex;gap:8px;min-height:43px;align-items:center;justify-content:center;padding:11px 18px;border:1px solid #D3DBE6;border-radius:11px;font-size:13px;font-weight:800;white-space:nowrap}
.header-whatsapp svg{width:19px;height:19px}
.header-call{font-weight:900!important;white-space:nowrap;font-size:15px}
.topbar .wa-top{display:none}
.home-landing{padding:45px 0 60px;background:linear-gradient(140deg,#FCFBF7,#F0F4F8 73%,#FBF6EA)}
.home-heading{text-align:center;max-width:850px;margin:0 auto 28px}
.home-heading h1{font:500 clamp(36px,4.7vw,58px)/1.1 Georgia,'Times New Roman',serif;letter-spacing:-.044em;margin:15px 0 14px}
.home-heading p{color:#546274;font-size:17px;max-width:790px;margin:0 auto;line-height:1.7}
.home-choice-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.home-choice{display:flex;flex-direction:column;align-items:flex-start;gap:10px;min-height:255px;border-radius:18px;background:#fff;border:1px solid #e1e5ea;padding:23px 19px;text-decoration:none;box-shadow:0 5px 19px rgba(25,39,67,.06);transition:transform .15s ease,box-shadow .15s ease}
.home-choice:hover,.home-choice:focus-visible{transform:translateY(-3px);box-shadow:0 11px 30px rgba(25,39,67,.12);outline-color:var(--gold)}
.home-choice-icon{width:43px;height:43px;display:grid;place-items:center;border-radius:12px;background:#f7ecdb;color:#91651e;font-size:22px;font-weight:800}
.home-choice h2{font:500 22px/1.2 Georgia,'Times New Roman',serif;letter-spacing:-.02em;margin:1px 0 0;color:var(--navy)}
.home-choice p{color:#657383;font-size:13px;line-height:1.52;margin:0 0 6px;flex:1}
.home-choice-link{font-size:12px;font-weight:850;line-height:1.35;display:inline-flex;align-items:center;gap:4px;color:var(--navy)}
.home-choice-link svg{flex-shrink:0}
.home-quick-contact{display:flex;justify-content:center;flex-wrap:wrap;gap:13px;margin-top:24px}
.home-quick-contact a{display:inline-flex;align-items:center;gap:7px;font-size:13px;font-weight:750;color:#34485c;padding:8px 12px}
.home-quick-contact a svg{height:17px;width:17px}
.page-grid.single-column{display:block;max-width:950px}
.page-grid.single-column article{max-width:950px}
.product-call{gap:9px;white-space:nowrap}
.wording-note{display:block;margin-top:7px;color:#5e6d7a}
@media(max-width:1150px){.nav-wrap{display:none}.header-call{display:none}.header-whatsapp{padding:7px 10px}.mobile-nav:not([hidden]){display:block!important}}
@media(max-width:900px){.home-choice-grid{grid-template-columns:repeat(2,minmax(0,1fr))}.home-choice{min-height:220px}.email-top{display:none}.topbar .wa-top{display:inline-flex}}
@media(max-width:600px){.head{min-height:64px}.header-whatsapp{width:42px;min-width:42px;height:42px;padding:0}.header-whatsapp span{display:none}.home-landing{padding:20px 0 33px}.home-heading{margin-bottom:18px}.home-heading h1{font-size:34px;margin:12px 0}.home-heading p{font-size:14px;line-height:1.56}.home-choice-grid{gap:10px}.home-choice{padding:14px 12px;min-height:222px;gap:8px}.home-choice h2{font-size:17px}.home-choice p{font-size:12px;line-height:1.43}.home-choice-link{font-size:11px}.home-choice-icon{height:35px;width:35px;font-size:18px}.home-quick-contact{margin-top:16px}.site-header .head{padding:6px 0}.form-legal{font-size:11px;line-height:1.55}}
@media(max-width:360px){.home-heading h1{font-size:31px}.home-choice h2{font-size:16px}.home-choice{padding:12px 10px}.home-choice-link svg{width:14px}}
/* Keep direct phone/WhatsApp access compact on small screens. */
@media(max-width:900px){
 .topbar .email-top{display:none!important}
 .topbar .wrap{justify-content:space-between!important;gap:12px}
 .topbar .tel{white-space:nowrap;flex-shrink:0;width:auto}
 .topbar .wa-top{display:inline-flex!important;white-space:nowrap;flex-shrink:0}
}
@media(max-width:600px){
 .topbar .tel{font-size:17px}
 .topbar .wa-top{font-size:13px}
}
@media(max-width:350px){
 .topbar .tel{font-size:15px}
 .topbar .wa-top{font-size:12px}
}

/* SanjivPuri.com – October 2026 alignment and spacing refinement.
   Presentation only: the approved copy, links, forms and quotation behaviour
   remain unchanged. */
:root { --max:1200px; }
.home-landing { padding:36px 0 43px; }
.home-heading { max-width:1020px; margin-bottom:24px; }
.home-heading h1 { font-size:clamp(36px,4.15vw,54px); line-height:1.11; text-wrap:balance; margin:12px 0 13px; }
.home-heading p { max-width:790px; font-size:16px; line-height:1.58; }
.home-choice-grid { gap:15px; align-items:stretch; }
.home-choice { min-height:223px; padding:19px 18px; gap:9px; }
.home-choice h2 { font-size:21px; line-height:1.22; text-wrap:balance; }
.home-choice p { line-height:1.48; }
.home-quick-contact { margin-top:13px; }
.trust-row { padding:15px 0; }
.section { padding:53px 0; }
.page-section { padding:43px 0; }
.section-head { margin-bottom:22px; }
.section-head h2 { text-wrap:balance; }
.about-grid { grid-template-columns:minmax(250px,320px) minmax(0,1fr); gap:42px; }
.portrait-box { min-height:300px; }
.how-grid { gap:14px; }
.step { padding:20px; }
.faq-list { max-width:100%; grid-template-columns:repeat(2,minmax(0,1fr)); gap:12px 15px; align-items:start; }
.faq-list details { min-width:0; }
.faq-list summary { padding:16px 0; line-height:1.48; }
.product-grid { gap:15px; align-items:stretch; }
.product { min-height:215px; padding:19px 18px; }
.inner-hero { padding:24px 0 33px; }
.inner-grid { grid-template-columns:minmax(0,1fr) minmax(400px,520px); gap:clamp(25px,4vw,56px); }
.inner-copy { padding:19px 0 0; }
.inner-copy h1 { font-size:clamp(34px,3.55vw,52px); line-height:1.12; text-wrap:balance; }
.inner-copy p { line-height:1.62; }
.quote-wrap { max-width:520px; }
.quote-card { padding:22px 22px 23px; }
/* The long-form guide formerly lacked the common centered container. */
.page-grid.single-column { width:min(1120px,calc(100% - 44px)); max-width:none; margin-inline:auto; }
.page-grid.single-column article { max-width:none; }
.page-grid.single-column article > p { max-width:88ch; }
.contact-card { gap:28px; }
.footer { padding-top:38px; }
@media (max-width:1050px) {
 .faq-list { grid-template-columns:1fr; max-width:100%; }
 .inner-grid { grid-template-columns:minmax(0,1fr) minmax(350px,500px); gap:26px; }
 .home-choice h2 { font-size:19px; }
}
@media (max-width:810px) {
 .inner-grid { grid-template-columns:minmax(0,1fr); gap:17px; }
 .inner-grid .quote-wrap { max-width:100%; }
 .about-grid { grid-template-columns:1fr 1.3fr; gap:20px; }
 .section { padding:40px 0; }
 .page-section { padding:35px 0; }
}
@media (max-width:600px) {
 .home-landing { padding:19px 0 27px; }
 .home-heading { margin-bottom:17px; }
 .home-heading h1 { font-size:clamp(29px,8vw,35px); line-height:1.12; margin:9px 0 11px; }
 .home-heading p { font-size:14px; line-height:1.51; }
 .home-choice-grid { gap:10px; }
 .home-choice { min-height:203px; padding:13px 12px; gap:8px; }
 .home-choice h2 { font-size:17px; line-height:1.23; }
 .home-choice p { font-size:12px; line-height:1.42; }
 .home-choice-link { line-height:1.4; }
 .home-quick-contact { margin-top:10px; gap:5px; }
 .home-quick-contact a { padding:6px 8px; font-size:12px; }
 .trust-row { padding:12px 0; }
 .section { padding:30px 0; }
 .page-section { padding:28px 0; }
 .section-head { margin-bottom:16px; }
 .section-head h2 { font-size:29px; line-height:1.18; }
 .about-grid { grid-template-columns:1fr; gap:18px; }
 .portrait-box { min-height:225px; }
 .how-grid { gap:10px; }
 .step { padding:17px; }
 .faq-list { gap:8px; }
 .faq-list details { padding-inline:14px; }
 .faq-list summary { min-height:48px; padding:12px 0; line-height:1.45; font-size:14px; }
 .product-grid { gap:10px; }
 .product { min-height:0; padding:15px 13px; }
 .inner-hero { padding:7px 0 22px; }
 .inner-grid { gap:16px; }
 .quote-card { padding:16px 14px 17px; border-radius:18px; }
 .quote-card h2 { font-size:23px; line-height:1.18; }
 .quote-sub { line-height:1.45; margin-bottom:11px; }
 .inner-copy { padding:0; }
 .inner-copy h1 { font-size:31px; line-height:1.12; margin:10px 0 12px; }
 .inner-copy p { font-size:15px; line-height:1.52; }
 .inner-copy p:has(> .btn) { display:flex; flex-wrap:wrap; gap:8px; margin:14px 0 0; }
 .inner-copy p:has(> .btn) .btn { white-space:normal; min-height:43px; padding:9px 11px; }
 .page-grid.single-column { width:calc(100% - 30px); }
 .page-grid.single-column article > p { max-width:100%; }
 .contact-card { padding:23px 18px; gap:17px; }
 .mobile-sticky a { padding:3px 2px; text-align:center; line-height:1.2; }
 .footer { padding-top:29px; }
}
@media (max-width:360px) {
 .home-choice { padding:12px 10px; }
 .home-choice h2 { font-size:16px; }
 .quote-card { padding:14px 11px; }
 .inner-copy p:has(> .btn) .btn { font-size:12px; }
}

/* Sanjiv Puri approved 2026-10-20 revision: mobile header, hierarchy, office/footer */
.topbar{display:none!important}
.footer{padding:29px 0 98px}
.footer .wrap.footer-disclosure{display:block;width:min(100% - 40px,var(--max));max-width:var(--max)}
.footer-disclosure-title{display:block;color:#fff;font-size:16px;font-weight:800;margin:0 0 13px}
.footer-disclosure p{font-size:13px;line-height:1.65;color:#DFE5F0;margin:0 0 9px;max-width:none;width:100%}
.home-heading .eyebrow.compare-heading:before{display:none!important}
.home-heading .eyebrow.compare-heading{font-family:Georgia,'Times New Roman',serif;font-weight:500;letter-spacing:-.025em;text-transform:none;font-size:clamp(32px,4.15vw,54px);line-height:1.1;display:block;color:#926728}
.home-heading h1{margin-top:9px}
.header-contact-row{display:none}
.contact-detail small{display:block;margin-bottom:2px}
.contact-detail br+br{display:none}
.contact-card .contact-detail>div{align-items:flex-start}
.province-statement{margin-top:16px!important}
.insurer-disclosure{margin-top:4px!important;font-size:12px!important;color:#647184!important}
@media(max-width:1150px){
  .site-header .head{min-height:63px;gap:10px}
  .header-contact-row{display:grid;grid-template-columns:minmax(0,1fr) auto;gap:8px;padding:0 max(12px,calc((100% - var(--max))/2)) 10px;width:min(100% - 30px,var(--max));margin:auto}
  .header-contact-row a{min-height:49px;border-radius:12px;display:flex;align-items:center;justify-content:center;text-decoration:none}
  .quick-call{gap:9px;border:1px solid #CBD6DC;color:var(--navy);background:#fff;padding:6px 11px}
  .quick-call span:not(.quick-icon){display:flex;flex-direction:column;font-size:9px;letter-spacing:.035em;line-height:1.25;font-weight:800;white-space:nowrap}
  .quick-call strong{font-size:17px;letter-spacing:-.02em;margin-top:2px}
  .quick-icon{font-size:19px}
  .quick-whatsapp{gap:5px;background:var(--navy);color:#fff;font-size:13px;font-weight:850;padding:7px 15px;white-space:nowrap}
}
@media(max-width:600px){
 .site-header .head{padding:9px 0 7px;min-height:57px;height:auto}
 .site-header .head-actions .header-whatsapp{display:none!important}
 .site-header .head-actions .header-call{display:none!important}
 .header-contact-row{width:min(100% - 24px,var(--max));padding:0 0 9px}
 .brand-txt strong{font-size:22px}
 .brand-txt small{font-size:9px}
 .quick-call strong{font-size:18px}
 .quick-whatsapp{min-width:115px}
 .home-heading .eyebrow.compare-heading{font-size:clamp(28px,8.1vw,35px)}
 .home-heading h1{font-size:clamp(29px,8vw,35px)}
 .contact-detail small{margin-bottom:3px}
 .footer{padding-bottom:116px}
 .footer-disclosure p{font-size:12px;line-height:1.58}
}
@media(max-width:350px){
 .header-contact-row{width:min(100% - 18px,var(--max));gap:6px}
 .quick-call{gap:5px;padding:5px 6px}
 .quick-call strong{font-size:15px}
 .quick-whatsapp{min-width:100px;font-size:12px;padding:5px 8px}
}
body.quote-workspace .mobile-sticky{display:none!important}
@media(max-width:1150px){.site-header .head-actions .header-whatsapp{display:none!important}}


/* SanjivPuri.com: approved headshot and precise contact spacing */
.portrait-box--headshot { background:#0b0b0d; min-height:335px; }
.portrait-box--headshot::after { display:none; }
.portrait-box--headshot .advisor-headshot {
 display:block; width:100%; height:100%; position:absolute; inset:0;
 object-fit:cover; object-position:center 12%; z-index:1;
}
.contact-request-heading { margin-top:0!important; margin-bottom:14px!important; }
.contact-request-heading span { display:block; }
/* Adjacent contact details should read as one concise group, without blank lines */
.contact-card .contact-detail { gap:15px !important; align-content:start; }
.contact-card .contact-detail > a, .contact-card .contact-detail > div { margin:0; padding:0; }
.contact-card .contact-detail .office-address { line-height:2.42; }
.contact-card .contact-detail .office-address small { display:block; margin:0 0 1px; line-height:2.3 !important; }
.contact-full { column-gap:12px; row-gap:15px; }
.contact-full .panel.office-panel small { display:block; margin:0 0 2px; line-height:2.3; }
.contact-full .panel.office-panel { line-height:2.45; }
@media(max-width:600px){
 .portrait-box--headshot { min-height:310px; }
 .contact-request-heading { font-size:clamp(26px,7.2vw,32px); line-height:2.32; }
 .contact-card .contact-detail { gap:5px; }
 .contact-full { row-gap:14px; }
}
.contact-card .contact-detail {
    row-gap: 15px!important;}
/* Compact Sanjiv Puri contact information: labels and values on adjacent lines, no blank rows. */
.contact-card .contact-detail { row-gap: 15px !important; align-content: start; }
.contact-card .contact-detail > a,
.contact-card .contact-detail > div { margin: 0; padding: 0; line-height: 2.32; }
.contact-card .contact-detail > a > span,
.contact-card .contact-detail > div > span { display: block; }
.contact-card .contact-detail small { display: block; margin: 0 0 1px; line-height: 2.32; }
.contact-card .contact-detail strong { display: block; line-height: 2.32; }
@media (max-width:600px) {
  .contact-card .contact-detail { row-gap: 14px; }
}


/* Contact details spacing and icon alignment */
.contact-detail-roomy { display: flex; flex-direction: column; gap: 42px; }
.contact-detail-roomy > a, .contact-detail-roomy > div { display: flex; align-items: flex-start; gap: 16px; margin-bottom: 10px; }
.contact-detail-roomy svg { flex: 0 0 20px; }


/* Footer disclaimer: align all note paragraphs to the same left edge */
.footer-note, .disclaimer, .legal-note, .note-section { text-align: left; }
.footer-note p, .disclaimer p, .legal-note p, .note-section p { margin: 0 0 12px; line-height: 1.55; }
.footer-note p:last-child, .disclaimer p:last-child, .legal-note p:last-child, .note-section p:last-child { margin-bottom: 0; }


/








/* Requested shared desktop navigation, full-width footer note, and no hover animation on contact CTAs */
@media(min-width:1151px){.nav-wrap{background:#1d2946!important}.nav-wrap .nav a,.nav-wrap .nav a:hover,.nav-wrap .nav a:focus{color:#fff!important}}
a[href^="tel:"],a[href*="wa.me"]{transition:none!important;transform:none!important;filter:none!important}
a[href^="tel:"]:hover,a[href^="tel:"]:focus,a[href*="wa.me"]:hover,a[href*="wa.me"]:focus{transform:none!important;filter:none!important;box-shadow:none!important;background-color:#1d2946!important;color:#fff!important;border-color:transparent!important;opacity:1!important}


/* Final requested adjustments: footer note typography and address line spacing */
.footer-disclosure p{font-size:15px !important;}
@media(max-width:700px){.footer-disclosure p{font-size:15px !important;}}
.contact-detail .office-address{display:inline-block;white-space:normal;}
.contact-detail .office-address br{display:block;content:"";}