:root{color-scheme:light;--bg:#f6f8fb;--surface:#ffffff;--surface-warm:#fff8ea;--text:#122033;--muted:#5f6b7a;--line:#dce3ee;--accent:#0b2f5f;--accent-hover:#071f43;--brand-blue:#115ea8;--brand-gold:#d7a23a;--brand-gold-bright:#f2c75d;--navy-soft:#eaf1f9;--radius:12px;--shadow:0 20px 48px rgb(11 47 95/12%);--shadow-soft:0 14px 32px rgb(18 32 51/8%);--shadow-card:0 18px 44px rgb(15 33 58/10%)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:linear-gradient(120deg,rgb(255 255 255/76%),transparent 38rem),radial-gradient(circle at top left,rgb(17 94 168/6%),transparent 32rem),radial-gradient(circle at top right,rgb(215 162 58/6%),transparent 28rem),linear-gradient(180deg,#f8fafc,#f5f7fb 40%,#ffffff);color:var(--text);font-family:-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}a:focus-visible{outline:2px solid var(--accent);outline-offset:4px}.topbar{display:none}.site-header{align-items:center;-webkit-backdrop-filter:blur(18px);backdrop-filter:blur(18px);background:rgb(255 255 255/92%);border-bottom:1px solid rgb(220 227 238/88%);box-shadow:0 10px 28px rgb(18 32 51/7%);display:grid;grid-gap:16px;gap:16px;grid-template-columns:minmax(260px,1fr) auto minmax(180px,1fr);margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw);min-height:76px;padding:0 32px;position:-webkit-sticky;position:sticky;top:0;z-index:20}.site-brand{align-items:center;color:var(--text);display:inline-flex;flex:0 0 auto;font-size:1rem;font-weight:700;gap:10px;transition:color .22s ease}.site-brand span{background:linear-gradient(135deg,var(--accent),var(--brand-blue) 62%,var(--brand-gold));border-radius:50%;box-shadow:0 6px 16px rgb(11 47 95/18%);content:"";height:18px;width:18px}.site-brand:hover{color:var(--accent)}.site-shell{margin:0 auto;max-width:1040px;padding:0 24px 24px}.primary-nav{align-items:center;display:flex;flex-wrap:wrap;gap:2px;justify-content:center;margin:0;padding:0}.primary-nav a{border-radius:999px;color:rgb(18 32 51/72%);font-size:1rem;font-weight:600;padding:9px 11px;transition:background .22s ease,color .22s ease,opacity .22s ease,transform .22s ease}.primary-nav a:active,.primary-nav a:focus-visible,.primary-nav a:hover{background:rgb(11 47 95/7%);color:var(--accent);opacity:1;transform:translateY(-1px)}.contact-link{background:rgb(255 255 255/72%);border:1px solid rgb(11 47 95/20%);border-radius:999px;color:var(--accent);font-size:.95rem;font-weight:700;justify-self:end;padding:9px 16px;transition:background .22s ease,border-color .22s ease,color .22s ease}.contact-link:hover{background:var(--accent);border-color:rgb(11 47 95/28%);color:#fff}.hero{background:linear-gradient(90deg,rgb(6 26 56/96%),rgb(6 26 56/80%) 48%,transparent),radial-gradient(circle at 85% 18%,rgb(89 165 226/35%),transparent 22rem),radial-gradient(circle at 12% 18%,rgb(247 215 122/12%),transparent 20rem),radial-gradient(circle at 88% 92%,rgb(215 162 58/32%),transparent 20rem),linear-gradient(135deg,#061a38,#0b2f5f 48%,#125f9f);border:1px solid rgb(255 255 255/20%);border-radius:28px;box-shadow:0 34px 78px rgb(8 28 58/28%),inset 0 1px 0 rgb(255 255 255/18%);color:#fff;margin:24px 0 30px;max-width:none;overflow:hidden;padding:88px 56px 76px;position:relative;text-align:center}.hero:after{background:linear-gradient(135deg,transparent 0 58%,rgb(255 255 255/10%) 58% 59%,transparent 59% 100%),linear-gradient(90deg,rgb(255 255 255/18%) 1px,transparent 0),linear-gradient(180deg,rgb(255 255 255/14%) 1px,transparent 0);background-size:28px 28px;inset:0;opacity:.28}.hero:after,.hero:before{content:"";position:absolute}.hero:before{background:linear-gradient(180deg,var(--brand-gold),#f7d77a);border-radius:999px;bottom:0;height:6px;left:50%;transform:translateX(-50%);width:148px;z-index:1}.hero>*{margin-left:auto;margin-right:auto;max-width:720px;position:relative;z-index:1}.hero-chart{bottom:34px;color:var(--brand-gold-bright);filter:drop-shadow(0 12px 28px rgb(215 162 58/22%));height:min(36%,180px);max-width:360px;opacity:.28;position:absolute;right:34px;width:34%;z-index:1}.hero-chart path{stroke:currentColor;stroke-linecap:round;stroke-width:6}.hero-chart circle{fill:#fff2bf;stroke:rgb(255 255 255/55%);stroke-width:2}.eyebrow{color:#9a6d18;font-size:.75rem;font-weight:600;letter-spacing:.06em;margin:0 0 18px;text-transform:uppercase}h1{font-size:clamp(2.5rem,5.4vw,4.2rem);font-weight:700;line-height:1.05}h1,h2{letter-spacing:-.02em;margin:0}h2{font-size:clamp(1.5rem,3vw,2.15rem);font-weight:600;line-height:1.2}.tagline{color:var(--muted);font-size:1.05rem;line-height:1.6;margin:16px 0 32px}.hero .eyebrow{color:var(--brand-gold);font-weight:700;max-width:none;opacity:0;text-align:center;text-shadow:0 1px 18px rgb(0 0 0/24%);width:100%;animation:heroFadeUp .6s ease forwards}.hero h1{max-width:760px;opacity:0;text-shadow:0 20px 40px rgb(0 0 0/24%);animation:heroFadeUp .64s ease .08s forwards}.hero .tagline{color:rgb(238 245 255/86%);font-size:clamp(1rem,1.8vw,1.12rem);margin-left:auto;margin-right:auto;max-width:650px;opacity:0;text-align:center;animation:heroFadeUp .68s ease .16s forwards}.hero-actions{align-items:center;animation:heroFadeUp .7s ease .24s forwards;display:flex;flex-wrap:wrap;gap:16px;justify-content:center;opacity:0}.hero-domain{display:none}.secondary-link{color:var(--muted);font-size:.9rem;font-weight:500}.secondary-link:hover{color:var(--text)}.cta,.hero .secondary-link{align-items:center;background:rgb(255 255 255/8%);border:1px solid rgb(255 255 255/44%);border-radius:999px;box-shadow:0 12px 24px rgb(0 0 0/14%);color:rgb(255 255 255/88%);display:inline-flex;font-size:.9rem;font-weight:700;isolation:isolate;min-height:46px;overflow:hidden;padding:11px 24px;position:relative;transition:background .25s ease,border-color .25s ease,color .25s ease,box-shadow .25s ease,transform .25s ease}.cta{background:linear-gradient(180deg,#f4ca61,var(--brand-gold));border-color:rgb(255 255 255/20%);box-shadow:0 14px 30px rgb(0 0 0/22%);color:#10233a}.cta:after,.hero .secondary-link:after{background:linear-gradient(90deg,transparent,rgb(255 255 255/38%),transparent);content:"";inset:0;position:absolute;transform:translateX(-120%);transition:transform .42s ease;z-index:-1}.cta:active,.cta:focus-visible,.cta:hover{background:linear-gradient(180deg,#f7d476,#dba63d);border-color:rgb(255 255 255/26%);box-shadow:0 18px 34px rgb(0 0 0/24%);color:#10233a;transform:translateY(-2px)}.cta:focus-visible:after,.cta:hover:after,.hero .secondary-link:focus-visible:after,.hero .secondary-link:hover:after{transform:translateX(120%)}.hero .secondary-link:active,.hero .secondary-link:focus-visible,.hero .secondary-link:hover{background:linear-gradient(180deg,#f2c75d,var(--brand-gold));border-color:rgb(255 255 255/26%);box-shadow:0 18px 34px rgb(0 0 0/22%);color:#10233a;transform:translateY(-2px)}.trust-strip{align-items:center;background:rgb(255 255 255/86%);border:1px solid rgb(220 227 238/82%);border-radius:999px;box-shadow:0 16px 40px rgb(18 32 51/7%);display:flex;flex-wrap:wrap;gap:10px 24px;justify-content:center;margin:-6px auto 34px;max-width:900px;padding:15px 24px}.trust-strip span{align-items:center;color:rgb(18 32 51/78%);display:inline-flex;font-size:.85rem;font-weight:700;gap:9px}.trust-strip span:before{background:radial-gradient(circle,var(--brand-gold-bright) 0 34%,transparent 36%),rgb(215 162 58/14%);border-radius:50%;content:"";height:18px;width:18px}.section{border-top:1px solid rgb(220 227 238/78%);padding:70px 0}#annuity-categories,#carrier-research,#resources,#why{scroll-margin-top:96px}.section:nth-of-type(2n){background:linear-gradient(135deg,rgb(255 255 255/94%),rgb(245 249 254/96%)),radial-gradient(circle at top right,rgb(215 162 58/12%),transparent 22rem);border:1px solid rgb(220 227 238/86%);border-radius:24px;box-shadow:var(--shadow-soft);margin:32px 0;padding:50px 48px}.section:nth-of-type(odd):not(.hero){background:linear-gradient(180deg,rgb(255 255 255/84%),rgb(255 255 255/72%)),var(--navy-soft);border:1px solid rgb(220 227 238/58%);border-radius:24px;box-shadow:0 12px 36px rgb(18 32 51/5%);margin:32px 0;padding:50px 48px}.section-heading{margin-left:auto;margin-right:auto;margin-bottom:30px;max-width:640px;position:relative;text-align:center}.section-heading:before{background:linear-gradient(90deg,transparent,var(--brand-gold),transparent);border-radius:999px;content:"";display:block;height:3px;margin:0 auto 18px;width:92px}.card-grid{display:grid;grid-gap:18px;gap:18px;grid-template-columns:repeat(2,minmax(0,1fr))}.carrier-card,.info-card{background:linear-gradient(180deg,#ffffff,#fbfdff);border:1px solid rgb(195 207 224/86%);border-radius:14px;box-shadow:0 16px 38px rgb(15 33 58/8%);display:flex;flex-direction:column;min-height:172px;opacity:0;padding:28px 26px 26px;position:relative;transition:background .25s ease,border-color .25s ease,box-shadow .25s ease,transform .25s ease;animation:cardFadeUp .56s ease forwards}.carrier-card:before,.info-card:before{background:radial-gradient(circle,var(--brand-gold-bright) 0 32%,transparent 34%),linear-gradient(135deg,rgb(17 94 168/15%),rgb(215 162 58/18%));border:1px solid rgb(215 162 58/20%);border-radius:50%;content:"";height:28px;right:22px;position:absolute;top:22px;width:28px}.carrier-card:hover,.info-card:hover{background:linear-gradient(180deg,#ffffff,#fbfdff);border-color:rgb(17 94 168/34%);box-shadow:0 28px 58px rgb(11 47 95/15%),inset 0 1px 0 rgb(255 255 255/88%);transform:translateY(-3px)}.carrier-card h3,.info-card h3{font-size:1rem;font-weight:600;padding-right:42px;margin:0 0 8px}.carrier-card p,.info-card p{color:var(--muted);font-size:.92rem;line-height:1.55;margin:0}.benefit-list{background:var(--surface);border:1px solid rgb(195 207 224/86%);border-radius:14px;box-shadow:0 16px 38px rgb(15 33 58/8%);display:grid;grid-template-columns:repeat(2,minmax(0,1fr));overflow:hidden}.benefit-item{align-items:center;border-bottom:1px solid var(--line);display:flex;gap:12px;min-height:64px;padding:18px 20px;transition:background .25s ease,transform .25s ease}.benefit-item:hover{background:rgb(245 249 254/82%)}.benefit-item:nth-last-child(-n+2){border-bottom:0}.benefit-item:nth-child(odd){border-right:1px solid var(--line)}.benefit-item span{background:linear-gradient(180deg,var(--brand-gold),#f2c75d);box-shadow:0 0 0 4px rgb(215 162 58/16%);border-radius:50%;display:inline-flex;height:7px;width:7px}.benefit-item p{font-size:.95rem;font-weight:500;margin:0}.carrier-list{display:grid;grid-gap:18px;gap:18px;grid-template-columns:repeat(3,minmax(0,1fr))}@keyframes heroFadeUp{0%{opacity:0;transform:translateY(12px)}to{opacity:1;transform:translateY(0)}}@keyframes cardFadeUp{0%{opacity:0;transform:translateY(10px)}to{opacity:1;transform:translateY(0)}}.site-footer{background:rgb(255 255 255/78%);border:1px solid rgb(220 227 238/82%);border-radius:18px;display:grid;grid-gap:18px;gap:18px;margin-top:22px;padding:28px}.site-footer p{color:var(--muted);font-size:.82rem;line-height:1.5;margin:0}.footer-nav{display:flex;flex-wrap:wrap;gap:12px 18px}.footer-nav a{color:var(--text);font-size:.86rem;font-weight:500;transition:color .22s ease}.footer-nav a:hover{color:var(--brand-blue)}.disclaimer{max-width:760px}@media (max-width:820px){.site-header{grid-template-columns:1fr;justify-items:start;padding:16px 24px}.primary-nav{justify-content:flex-start}.contact-link{justify-self:start}.hero{padding-left:32px;padding-right:32px}.card-grid,.carrier-list{grid-template-columns:1fr}}@media (max-width:520px){.site-shell{padding:0 20px}.site-header{align-items:flex-start;display:flex;flex-direction:column;gap:12px;min-height:108px;padding:14px 20px}.hero{border-radius:22px;margin-top:20px;padding:62px 24px 54px}.hero:before{width:112px}.hero-chart{bottom:20px;height:110px;opacity:.16;right:10px;width:58%}.trust-strip{border-radius:18px;justify-content:flex-start;margin-bottom:24px;padding:16px}.section,.section:nth-of-type(2n),.section:nth-of-type(odd):not(.hero){border-left:0;border-right:0;border-radius:0;margin-left:-20px;margin-right:-20px;padding:44px 20px}.primary-nav{justify-content:flex-start;max-width:100%;overflow-x:auto}.primary-nav a{flex:0 0 auto;font-size:.95rem}.contact-link{align-self:flex-start;font-size:.9rem;padding:8px 14px}.benefit-list,.card-grid,.carrier-list{grid-template-columns:1fr}.site-footer{border-left:0;border-radius:0;margin-left:-20px;margin-right:-20px;padding:28px 20px}.benefit-item,.benefit-item:nth-child(odd),.site-footer{border-right:0}.benefit-item:nth-last-child(2){border-bottom:1px solid var(--line)}}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,:after,:before{animation-duration:.001ms!important;animation-iteration-count:1!important;scroll-behavior:auto!important;transition-duration:.001ms!important}}