:root{--ink:#101317;--paper:#f7f4ee;--white:#fff;--muted:#60666d;--line:rgba(16,19,23,.12);--radius:24px;--shadow:0 24px 70px rgba(16,19,23,.14);--serif:"DM Serif Display",Georgia,serif;--sans:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--paper);font:16px/1.62 var(--sans);-webkit-font-smoothing:antialiased}img{display:block;max-width:100%}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button{cursor:pointer}.container{width:min(1160px,calc(100% - 40px));margin-inline:auto}.eyebrow{display:inline-flex;align-items:center;gap:.55rem;text-transform:uppercase;letter-spacing:.16em;font-size:.72rem;font-weight:800}.eyebrow:before{content:"";width:28px;height:2px;background:var(--accent)}h1,h2,h3,p{margin-top:0}h1,h2{font-family:var(--serif);font-weight:400;line-height:1.01;letter-spacing:-.025em}h1{font-size:clamp(3.35rem,7.7vw,7.2rem);max-width:12ch;margin-bottom:1.25rem}h2{font-size:clamp(2.35rem,5vw,4.6rem);max-width:13ch;margin-bottom:1rem}h3{font-size:1.2rem;line-height:1.25}.lede{font-size:clamp(1.08rem,1.6vw,1.35rem);max-width:58ch;color:var(--muted)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:.6rem;min-height:52px;padding:.85rem 1.25rem;border:1px solid transparent;border-radius:999px;background:var(--accent);color:var(--accent-ink);font-weight:800;transition:.2s transform,.2s background,.2s box-shadow}.btn:hover{transform:translateY(-2px);box-shadow:0 12px 24px rgba(0,0,0,.16)}.btn-outline{background:transparent;border-color:currentColor;color:inherit}.btn-small{min-height:42px;padding:.6rem 1rem}.actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:2rem}.skip{position:fixed;top:-80px;left:10px;z-index:999;background:var(--ink);color:#fff;padding:.7rem 1rem;border-radius:8px}.skip:focus{top:10px}.topbar{background:var(--ink);color:#fff;font-size:.83rem}.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:1rem;padding-block:.55rem}.topbar a{font-weight:800}.site-header{position:sticky;top:0;z-index:40;background:color-mix(in srgb,var(--paper) 90%,transparent);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav{height:82px;display:flex;align-items:center;justify-content:space-between;gap:1rem}.brand{display:flex;align-items:center;gap:.8rem;font-weight:900;letter-spacing:-.02em}.brand img{height:50px;width:auto}.brand-mark{display:grid;place-items:center;width:46px;height:46px;border:1px solid var(--line);border-radius:14px;background:var(--accent);color:var(--accent-ink);font-family:var(--serif);font-size:1.4rem}.nav-links{display:flex;align-items:center;gap:1.45rem;font-weight:700;font-size:.92rem}.nav-links a{position:relative}.nav-links a:not(.btn):after{content:"";position:absolute;left:0;right:100%;bottom:-7px;height:2px;background:var(--accent);transition:right .2s}.nav-links a:hover:after,.nav-links a[aria-current="page"]:after{right:0}.menu-toggle{display:none;border:0;background:transparent;font-size:1.5rem}.hero{position:relative;min-height:690px;display:grid;align-items:end;overflow:hidden}.hero-media{position:absolute;inset:0}.hero-media img{width:100%;height:100%;object-fit:cover}.hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(5,8,11,.88) 0%,rgba(5,8,11,.60) 47%,rgba(5,8,11,.08) 100%),linear-gradient(0deg,rgba(5,8,11,.55),transparent 50%)}.hero-content{position:relative;z-index:1;color:#fff;padding-block:clamp(5.5rem,10vw,9rem)}.hero .lede{color:rgba(255,255,255,.82)}.hero h1 em{color:var(--accent);font-style:normal}.trust-row{display:flex;flex-wrap:wrap;gap:1.25rem;margin-top:2rem;font-size:.88rem;font-weight:700}.trust-row span:before{content:"✓";color:var(--accent);margin-right:.45rem}.section{padding-block:clamp(5rem,9vw,8.5rem)}.section-sm{padding-block:clamp(3rem,6vw,5rem)}.section-dark{background:var(--ink);color:#fff}.section-dark .lede,.section-dark .muted{color:rgba(255,255,255,.7)}.section-accent{background:var(--accent);color:var(--accent-ink)}.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(2rem,6vw,6rem);align-items:center}.photo-frame{position:relative;min-height:540px;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}.photo-frame img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.badge{position:absolute;right:1.25rem;bottom:1.25rem;max-width:220px;padding:1rem 1.1rem;background:var(--paper);border-radius:16px;color:var(--ink);box-shadow:var(--shadow);font-weight:800}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem}.card{padding:1.65rem;border:1px solid var(--line);border-radius:var(--radius);background:color-mix(in srgb,var(--white) 70%,transparent)}.card .num{display:grid;place-items:center;width:46px;height:46px;margin-bottom:1.25rem;border-radius:50%;background:var(--accent);color:var(--accent-ink);font-weight:900}.card p{color:var(--muted);margin-bottom:0}.icon{font-size:1.7rem;margin-bottom:1rem}.kicker{font-weight:800;color:var(--accent)}.stats{display:grid;grid-template-columns:repeat(3,1fr);border-block:1px solid var(--line)}.stat{padding:2rem;text-align:center;border-right:1px solid var(--line)}.stat:last-child{border-right:0}.stat strong{display:block;font:400 clamp(2.2rem,5vw,4rem)/1 var(--serif)}.stat span{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted)}.faq{max-width:850px}.faq details{border-top:1px solid var(--line);padding:1.35rem 0}.faq details:last-child{border-bottom:1px solid var(--line)}.faq summary{cursor:pointer;font-weight:850;font-size:1.06rem;list-style:none}.faq summary:after{content:"+";float:right}.faq details[open] summary:after{content:"−"}.faq details p{color:var(--muted);margin:1rem 3rem 0 0}.cta-band{display:flex;justify-content:space-between;align-items:center;gap:2rem;padding:clamp(2rem,5vw,4rem);border-radius:var(--radius);background:var(--accent);color:var(--accent-ink)}.cta-band h2{margin-bottom:0}.site-footer{padding:4rem 0 1.5rem;background:#0b0d10;color:#fff}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2rem}.site-footer h3{font-size:.84rem;text-transform:uppercase;letter-spacing:.14em}.site-footer p,.site-footer a{color:rgba(255,255,255,.65)}.site-footer a:hover{color:#fff}.footer-links{display:grid;gap:.5rem}.legal{display:flex;justify-content:space-between;gap:1rem;margin-top:3rem;padding-top:1.5rem;border-top:1px solid rgba(255,255,255,.12);font-size:.78rem;color:rgba(255,255,255,.55)}.page-hero{padding:clamp(5rem,9vw,8rem) 0 4rem}.page-hero h1{font-size:clamp(3rem,7vw,6rem);max-width:14ch}.breadcrumbs{font-size:.8rem;color:var(--muted);margin-bottom:2rem}.prose{max-width:760px}.prose h2{font-size:clamp(2rem,4vw,3.5rem);margin-top:3rem}.prose h3{margin-top:2rem}.prose p,.prose li{color:var(--muted)}.form-card{padding:clamp(1.5rem,4vw,3rem);border-radius:var(--radius);background:#fff;box-shadow:var(--shadow)}.field{display:grid;gap:.45rem;margin-bottom:1rem}.field label{font-weight:800;font-size:.85rem}.field input,.field select,.field textarea{width:100%;padding:.9rem 1rem;border:1px solid var(--line);border-radius:12px;background:#fbfbfa;color:var(--ink)}.field textarea{min-height:120px;resize:vertical}.form-note{font-size:.76rem;color:var(--muted)}.wizard{display:none;position:fixed;inset:0;z-index:100}.wizard.open{display:grid;place-items:center}.wizard-backdrop{position:absolute;inset:0;background:rgba(2,4,6,.72);backdrop-filter:blur(8px)}.wizard-panel{position:relative;width:min(620px,calc(100% - 32px));max-height:calc(100vh - 32px);overflow:auto;padding:clamp(1.5rem,5vw,3.5rem);border-radius:28px;background:var(--paper);box-shadow:var(--shadow)}.wizard-close{position:absolute;right:1rem;top:1rem;width:40px;height:40px;border:0;border-radius:50%;background:rgba(0,0,0,.06);font-size:1.25rem}.progress{height:5px;margin:1.25rem 0 2rem;border-radius:9px;background:var(--line);overflow:hidden}.progress span{display:block;height:100%;width:20%;background:var(--accent);transition:width .25s}.step{display:none}.step.active{display:block}.step h2{font-size:clamp(2rem,6vw,3.5rem)}.choice-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:.75rem}.choice{padding:1rem;text-align:left;border:1px solid var(--line);border-radius:14px;background:#fff;font-weight:800}.choice:hover,.choice.selected{border-color:var(--accent);box-shadow:0 0 0 2px var(--accent)}.wizard-actions{display:flex;justify-content:space-between;gap:1rem;margin-top:2rem}.toast{position:fixed;left:50%;bottom:24px;z-index:120;transform:translate(-50%,30px);opacity:0;padding:.8rem 1rem;border-radius:999px;background:var(--ink);color:#fff;transition:.25s}.toast.show{opacity:1;transform:translate(-50%,0)}.service-links{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem}.service-link{display:flex;justify-content:space-between;gap:1rem;padding:1.25rem;border-bottom:1px solid var(--line);font-weight:800}.service-link span{color:var(--accent)}.portrait{object-position:50% 20%!important}.disclosure{font-size:.72rem;color:var(--muted)}
@media(max-width:900px){.nav-links{display:none;position:absolute;left:20px;right:20px;top:88px;flex-direction:column;align-items:stretch;padding:1.25rem;border:1px solid var(--line);border-radius:18px;background:var(--paper);box-shadow:var(--shadow)}.nav-links.open{display:flex}.menu-toggle{display:block}.split,.footer-grid{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr}.hero{min-height:660px}.photo-frame{min-height:420px}.footer-grid{gap:2.5rem}.cta-band{align-items:flex-start;flex-direction:column}.service-links{grid-template-columns:1fr}}@media(max-width:620px){.container{width:min(100% - 28px,1160px)}.topbar .container span{display:none}.nav{height:70px}.brand img{height:40px}.hero-content{padding-block:5rem}.hero-media:after{background:linear-gradient(0deg,rgba(5,8,11,.92),rgba(5,8,11,.45))}.stats{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.stat:last-child{border-bottom:0}.choice-grid{grid-template-columns:1fr}.legal{flex-direction:column}.actions .btn{width:100%}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}
.brand small{display:block;margin-top:.1rem;font-size:.55rem;letter-spacing:.16em}.brand-mark{flex:0 0 auto}
.brand-logo-crop{position:relative;display:block;flex:0 0 58px;width:58px;height:58px;overflow:hidden;border:1px solid rgba(16,19,23,.1);border-radius:16px;background:#fff;box-shadow:0 8px 22px rgba(16,19,23,.1)}.brand-logo-crop img{position:absolute;top:-9px;left:-31px;width:120px;max-width:none}.brand-full-logo{width:170px;padding:5px;border-radius:18px;background:#fff}.broker-logo{width:155px;margin:.85rem 0;padding:.65rem;border-radius:12px;background:#fff}
.brand-logo-crop img{height:auto!important}
.maico-brand-crop{position:relative;display:block;flex:0 0 54px;width:54px;height:54px;overflow:hidden;border-radius:50%;background:#fff;box-shadow:0 8px 24px rgba(12,29,47,.14)}.maico-brand-crop img{position:absolute;top:-34px;left:-34px;width:122px;max-width:none;height:auto!important}.site-footer .maico-brand-crop{box-shadow:none}
.story-head{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(260px,.8fr);gap:clamp(2rem,6vw,6rem);align-items:end;margin-bottom:2.5rem}.story-head h2{margin-bottom:0}.story-note{padding-left:1.35rem;border-left:3px solid var(--accent)}.story-note strong{display:block;margin-bottom:.35rem;font-size:.76rem;text-transform:uppercase;letter-spacing:.13em}.story-note p{margin:0;color:var(--muted)}.story-gallery{display:grid;grid-template-columns:minmax(0,1.35fr) minmax(300px,.65fr);grid-template-rows:minmax(260px,330px) auto;gap:1rem}.story-photo{position:relative;min-height:260px;margin:0;overflow:hidden;border-radius:var(--radius);background:#d9d7d2;box-shadow:var(--shadow)}.story-photo-main{grid-row:1/3;min-height:620px}.story-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;transition:transform .5s ease}.story-photo:hover img{transform:scale(1.025)}.story-photo figcaption{position:absolute;left:0;right:0;bottom:0;padding:4.5rem 1.5rem 1.4rem;background:linear-gradient(transparent,rgba(5,8,11,.82));color:#fff}.story-photo figcaption span{display:block;margin-bottom:.2rem;color:var(--accent);font-size:.72rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase}.story-photo figcaption strong{font-size:1.05rem}.story-card{display:flex;flex-direction:column;justify-content:space-between;gap:1.5rem;padding:clamp(1.6rem,3vw,2.4rem);border-radius:var(--radius);background:var(--ink);color:#fff}.story-card h3{font:400 clamp(1.8rem,3vw,2.6rem)/1.05 var(--serif);margin-bottom:0}.story-steps{display:grid;gap:1rem}.story-step{display:grid;grid-template-columns:32px 1fr;gap:.75rem}.story-step span{color:var(--accent);font-weight:900}.story-step p{margin:0;color:rgba(255,255,255,.7);font-size:.9rem}.story-card .btn-outline{align-self:flex-start}
@media(max-width:1080px){.nav-links{display:none;position:absolute;left:20px;right:20px;top:88px;flex-direction:column;align-items:stretch;padding:1.25rem;border:1px solid var(--line);border-radius:18px;background:var(--paper);box-shadow:var(--shadow)}.nav-links.open{display:flex}.menu-toggle{display:block}}
@media(max-width:820px){.story-head,.story-gallery{grid-template-columns:1fr}.story-gallery{grid-template-rows:auto}.story-photo-main{grid-row:auto;min-height:430px}.story-photo:not(.story-photo-main){min-height:300px}}
@media(max-width:620px){.maico-brand-crop{flex-basis:46px;width:46px;height:46px}.maico-brand-crop img{top:-29px;left:-29px;width:104px}.story-photo-main{min-height:360px}.story-photo:not(.story-photo-main){min-height:250px}}