.pf-page main{background:transparent!important}:root{--pf-navy: #1a2f4a;--pf-navy-deep: #0f1f33;--pf-gold: #c9a959;--pf-gold-hover: #b8963c;--pf-cream: #fef9f3;--pf-amber: #fef3c7;--pf-white: #ffffff;--pf-text: #e8edf3;--pf-text-muted: rgba(255, 255, 255, .6);--pf-text-dark: #1a2f4a;--pf-text-body: #4a5568;--pf-font: "Nunito", "Helvetica Neue", Helvetica, Arial, sans-serif;--pf-radius: 16px;--pf-transition: .5s cubic-bezier(.22, 1, .36, 1);--pf-max-width: 900px}.pf-hero{background:var(--pf-navy);min-height:75vh;display:flex;align-items:center;justify-content:center;text-align:center;padding:7rem 2rem 5rem;position:relative;overflow:hidden;margin-top:-160px;padding-top:calc(7rem + 160px)}.pf-hero__bg-glow{position:absolute;top:-40%;left:-20%;width:140%;height:180%;background:radial-gradient(ellipse at 30% 30%,rgba(201,169,89,.05) 0%,transparent 50%),radial-gradient(ellipse at 70% 70%,rgba(201,169,89,.03) 0%,transparent 50%);pointer-events:none;animation:pf-glow-drift 20s ease-in-out infinite alternate}@keyframes pf-glow-drift{0%{transform:translate(0) scale(1)}to{transform:translate(2%,-2%) scale(1.03)}}.pf-hero__content{position:relative;z-index:1;max-width:800px}.pf-hero__breadcrumb{display:flex;align-items:center;justify-content:center;gap:.5rem;font-family:var(--pf-font);font-weight:600;font-size:.72rem;text-transform:uppercase;letter-spacing:.12em;color:#fff6;margin-bottom:2.5rem}.pf-hero__breadcrumb a{color:#fff6;text-decoration:none;transition:color .3s ease}.pf-hero__breadcrumb a:hover{color:var(--pf-gold)}.pf-hero__breadcrumb span:last-child{color:var(--pf-gold)}.pf-hero__headline{font-family:var(--pf-font);font-weight:200;font-size:clamp(2.5rem,7vw,4rem);color:var(--pf-white);margin:0 0 1.5rem;letter-spacing:-.03em;line-height:1.1}.pf-hero__headline-line{display:block}.pf-hero__headline-line--accent{color:var(--pf-gold)}.pf-hero__subheadline{font-family:var(--pf-font);font-weight:400;font-size:clamp(1rem,2vw,1.2rem);color:var(--pf-text-muted);margin:0 0 3rem;line-height:1.7}.pf-hero__stats{display:flex;align-items:center;justify-content:center;gap:2.5rem;margin-bottom:4rem}.pf-hero__stat{display:flex;flex-direction:column;gap:.25rem}.pf-hero__stat-number{font-family:var(--pf-font);font-weight:200;font-size:clamp(2rem,4vw,3rem);color:var(--pf-white);line-height:1;letter-spacing:-.02em}.pf-hero__stat-label{font-family:var(--pf-font);font-weight:600;font-size:.7rem;text-transform:uppercase;letter-spacing:.1em;color:#fff6}.pf-hero__stat-divider{width:1px;height:40px;background:#c9a95940}.pf-hero__scroll-indicator{display:flex;flex-direction:column;align-items:center;gap:.5rem;color:var(--pf-text-muted);font-family:var(--pf-font);font-size:.75rem;font-weight:600;letter-spacing:.12em;text-transform:uppercase;animation:pf-float 2.5s ease-in-out infinite}.pf-hero__scroll-indicator svg{opacity:.5}@keyframes pf-float{0%,to{transform:translateY(0)}50%{transform:translateY(6px)}}.pf-story{background:var(--pf-cream);padding:4rem 2rem;text-align:center}.pf-story__container{max-width:700px;margin:0 auto}.pf-story__text{font-family:var(--pf-font);font-weight:400;font-size:1.25rem;line-height:1.8;color:var(--pf-text-body);margin:0}.pf-timeline{background:var(--pf-white);padding:5rem 2rem}.pf-timeline__container{max-width:var(--pf-max-width);margin:0 auto}.pf-timeline__headline{font-family:var(--pf-font);font-weight:300;font-size:clamp(1.75rem,4vw,2.5rem);color:var(--pf-text-dark);text-align:center;margin:0 0 .5rem;letter-spacing:-.02em}.pf-timeline__subheadline{font-family:var(--pf-font);font-weight:400;font-size:1rem;color:var(--pf-text-body);text-align:center;margin:0 0 3rem}.pf-timeline__track{position:relative;display:flex;flex-direction:column;gap:0}.pf-timeline__line{position:absolute;left:50%;top:0;bottom:0;width:2px;background:linear-gradient(to bottom,var(--pf-gold) 0%,rgba(201,169,89,.2) 100%);transform:translate(-50%);z-index:0}.pf-timeline__step{position:relative;display:flex;align-items:flex-start;z-index:1;padding:1.5rem 0}.pf-timeline__step--left{flex-direction:row;padding-right:calc(50% + 2rem);justify-content:flex-end}.pf-timeline__step--right{flex-direction:row-reverse;padding-left:calc(50% + 2rem);justify-content:flex-end}.pf-timeline__step-dot{position:absolute;left:50%;transform:translate(-50%);width:48px;height:48px;background:var(--pf-gold);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 16px #c9a95959;z-index:2}.pf-timeline__step-number{font-family:var(--pf-font);font-weight:700;font-size:1.1rem;color:var(--pf-navy)}.pf-timeline__step-card{background:var(--pf-white);border:1px solid #e2e8f0;border-radius:var(--pf-radius);padding:1.5rem;max-width:320px;box-shadow:0 2px 12px #0000000f;transition:all .3s ease}.pf-timeline__step-card:hover{border-color:var(--pf-gold);box-shadow:0 4px 20px #c9a95926}.pf-timeline__step-title{font-family:var(--pf-font);font-weight:600;font-size:1.1rem;color:var(--pf-text-dark);margin:0 0 .5rem}.pf-timeline__step-desc{font-family:var(--pf-font);font-weight:400;font-size:.9rem;color:var(--pf-text-body);line-height:1.6;margin:0}.pf-payments{background:linear-gradient(180deg,#f8fafc,#fff);padding:5rem 2rem}.pf-payments__container{max-width:var(--pf-max-width);margin:0 auto}.pf-payments__headline{font-family:var(--pf-font);font-weight:300;font-size:clamp(1.75rem,4vw,2.5rem);color:var(--pf-text-dark);text-align:center;margin:0 0 2.5rem;letter-spacing:-.02em}.pf-payments__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.25rem}.pf-payments__card{position:relative;background:var(--pf-white);border:1px solid #e2e8f0;border-radius:var(--pf-radius);padding:1.75rem;transition:all .3s ease}.pf-payments__card:hover{border-color:var(--pf-gold);box-shadow:0 4px 20px #c9a9591f;transform:translateY(-2px)}.pf-payments__card--highlight{border-color:var(--pf-gold);background:linear-gradient(135deg,#fffcf5,#fff);box-shadow:0 4px 20px #c9a95926}.pf-payments__badge{position:absolute;top:-10px;right:16px;background:var(--pf-gold);color:var(--pf-navy);font-family:var(--pf-font);font-weight:700;font-size:.65rem;text-transform:uppercase;letter-spacing:.05em;padding:5px 12px;border-radius:20px}.pf-payments__icon{width:48px;height:48px;background:linear-gradient(135deg,#f0f4f8,#e2e8f0);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:1rem}.pf-payments__card--highlight .pf-payments__icon{background:linear-gradient(135deg,var(--pf-gold) 0%,#d4b563 100%)}.pf-payments__icon svg{width:24px;height:24px;color:var(--pf-navy)}.pf-payments__card--highlight .pf-payments__icon svg{color:var(--pf-white)}.pf-payments__title{font-family:var(--pf-font);font-weight:600;font-size:1.1rem;color:var(--pf-text-dark);margin:0 0 .5rem}.pf-payments__desc{font-family:var(--pf-font);font-weight:400;font-size:.9rem;color:var(--pf-text-body);line-height:1.6;margin:0}.pf-payments__detail{display:inline-block;margin-top:.75rem;padding:.4rem .75rem;background:linear-gradient(135deg,#fef7e6,#fdf2d8);color:#92400e;font-family:var(--pf-font);font-weight:600;font-size:.8rem;border-radius:6px}.pf-payments__link{display:inline-flex;align-items:center;gap:.35rem;margin-top:.75rem;color:var(--pf-gold);font-family:var(--pf-font);font-weight:600;font-size:.85rem;text-decoration:none;transition:color .2s ease}.pf-payments__link:hover{color:var(--pf-gold-hover)}.pf-discounts{background:linear-gradient(135deg,#fffbeb 0%,var(--pf-amber) 100%);padding:4rem 2rem}.pf-discounts__container{max-width:var(--pf-max-width);margin:0 auto}.pf-discounts__headline{font-family:var(--pf-font);font-weight:400;font-size:1.5rem;color:#92400e;text-align:center;margin:0 0 2rem}.pf-discounts__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.25rem}.pf-discounts__card{position:relative;display:flex;align-items:flex-start;gap:1rem;background:#ffffffb3;backdrop-filter:blur(8px);border:1px solid rgba(245,158,11,.3);border-radius:var(--pf-radius);padding:1.5rem;transition:all .3s ease}.pf-discounts__card:hover{border-color:#f59e0b;background:#ffffffe6;box-shadow:0 4px 16px #f59e0b26}.pf-discounts__badge{position:absolute;top:-10px;right:16px;background:linear-gradient(135deg,#f59e0b,#d97706);color:var(--pf-white);font-family:var(--pf-font);font-weight:700;font-size:.65rem;text-transform:uppercase;letter-spacing:.05em;padding:5px 12px;border-radius:20px}.pf-discounts__icon{width:48px;height:48px;background:linear-gradient(135deg,#fbbf24,#f59e0b);border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.pf-discounts__icon svg{width:24px;height:24px;color:var(--pf-white)}.pf-discounts__content h3{font-family:var(--pf-font);font-weight:600;font-size:1.1rem;color:#92400e;margin:0 0 .35rem}.pf-discounts__content p{font-family:var(--pf-font);font-weight:400;font-size:.9rem;color:#78350f;line-height:1.5;margin:0}.pf-insurance{background:var(--pf-white);padding:5rem 2rem}.pf-insurance__container{max-width:700px;margin:0 auto;text-align:center}.pf-insurance__headline{font-family:var(--pf-font);font-weight:300;font-size:clamp(1.5rem,4vw,2rem);color:var(--pf-text-dark);margin:0 0 1rem}.pf-insurance__description{font-family:var(--pf-font);font-weight:400;font-size:1rem;color:var(--pf-text-body);line-height:1.7;margin:0 0 2rem}.pf-insurance__checklist{display:flex;flex-direction:column;gap:.75rem;max-width:400px;margin:0 auto 2rem;text-align:left}.pf-insurance__check{display:flex;align-items:center;gap:.75rem;font-family:var(--pf-font);font-size:.95rem;color:var(--pf-text-body)}.pf-insurance__check svg{width:20px;height:20px;color:var(--pf-gold);flex-shrink:0}.pf-insurance__carriers{max-width:600px;margin:0 auto}.pf-insurance__carriers-toggle{display:flex;align-items:center;justify-content:space-between;width:100%;padding:.875rem 1.25rem;background:#f8fafc;border:1px solid #e2e8f0;border-radius:10px;font-family:var(--pf-font);font-weight:500;font-size:.9rem;color:var(--pf-text-body);cursor:pointer;list-style:none;transition:all .2s ease}.pf-insurance__carriers-toggle::-webkit-details-marker{display:none}.pf-insurance__carriers-toggle:hover{background:#f1f5f9;border-color:#cbd5e1}.pf-insurance__carriers-toggle svg{transition:transform .2s ease}.pf-insurance__carriers[open] .pf-insurance__carriers-toggle svg{transform:rotate(180deg)}.pf-insurance__carriers-content{padding:1.25rem;margin-top:.5rem;background:#fafafa;border-radius:10px;text-align:left}.pf-insurance__carriers-note{font-family:var(--pf-font);font-size:.85rem;color:#64748b;line-height:1.5;margin:0 0 1rem}.pf-insurance__carriers-grid{display:flex;flex-wrap:wrap;gap:.5rem}.pf-insurance__carrier{display:inline-block;padding:.35rem .65rem;background:var(--pf-white);border:1px solid #e2e8f0;border-radius:4px;font-family:var(--pf-font);font-size:.8rem;color:#334155}.pf-insurance__carrier--more{background:transparent;border:1px dashed #cbd5e1;color:#64748b;font-style:italic}.pf-cta{background:var(--pf-navy);padding:5rem 2rem;text-align:center;position:relative;overflow:hidden}.pf-cta__bg-glow{position:absolute;top:-50%;right:-30%;width:100%;height:200%;background:radial-gradient(ellipse,rgba(201,169,89,.08) 0%,transparent 70%);pointer-events:none}.pf-cta__container{max-width:600px;margin:0 auto;position:relative;z-index:1}.pf-cta__headline{font-family:var(--pf-font);font-weight:300;font-size:clamp(2rem,4vw,2.75rem);color:var(--pf-white);margin:0 0 1rem;letter-spacing:-.02em}.pf-cta__text{font-family:var(--pf-font);font-weight:400;font-size:1.05rem;color:var(--pf-text-muted);margin:0 0 2.5rem;line-height:1.7}.pf-cta__buttons{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap}.pf-cta__btn{font-family:var(--pf-font);font-weight:700;font-size:.95rem;padding:1rem 2rem;border-radius:50px;text-decoration:none;transition:all .3s ease;display:inline-block}.pf-cta__btn--primary{background:var(--pf-gold);color:#1a1a1a;box-shadow:0 4px 16px #c9a9594d}.pf-cta__btn--primary:hover{background:var(--pf-gold-hover);transform:translateY(-2px);box-shadow:0 6px 24px #c9a95966}.pf-cta__btn--secondary{background:transparent;color:var(--pf-white);border:2px solid rgba(255,255,255,.25)}.pf-cta__btn--secondary:hover{border-color:#ffffff80;background:#ffffff0d}.pf-cta__btn--text-us{display:none}[data-scroll-reveal]{opacity:0;transform:translateY(24px);transition:opacity .7s cubic-bezier(.22,1,.36,1),transform .7s cubic-bezier(.22,1,.36,1)}[data-scroll-reveal].pf-revealed{opacity:1;transform:translateY(0)}@media(max-width:1240px){.pf-hero{min-height:70vh;padding:5rem 1.5rem 3rem;margin-top:-90px;padding-top:calc(5rem + 90px)}.pf-hero__stats{gap:1.5rem}.pf-hero__stat-divider{height:30px}.pf-story{padding:3rem 1.5rem}.pf-story__text{font-size:1.1rem}.pf-timeline__step--left,.pf-timeline__step--right{flex-direction:row;padding-left:0;padding-right:0;justify-content:flex-start}.pf-timeline__step-dot{position:relative;left:auto;transform:none;margin-right:1rem;flex-shrink:0}.pf-timeline__line{left:24px}.pf-timeline__step-card{max-width:none}.pf-payments,.pf-discounts,.pf-insurance{padding:3rem 1.5rem}.pf-cta{padding:4rem 1.5rem}.pf-cta__buttons{flex-direction:column}.pf-cta__btn{width:100%;text-align:center}.pf-cta__btn--text-us{display:inline-block}}@media(max-width:480px){.pf-hero__stats{flex-direction:column;gap:1rem}.pf-hero__stat-divider{width:40px;height:1px}}@media(prefers-reduced-motion:reduce){.pf-hero__bg-glow,.pf-hero__scroll-indicator{animation:none}[data-scroll-reveal]{opacity:1;transform:none;transition:none}}.pf-faq{background:var(--pf-white);padding:5rem 2rem}.pf-faq__container{max-width:var(--pf-max-width);margin:0 auto}.pf-faq__headline{font-family:var(--pf-font);font-weight:300;font-size:clamp(1.75rem,4vw,2.5rem);color:var(--pf-text-dark);text-align:center;margin:0 0 2.5rem;letter-spacing:-.02em}.pf-faq__list{display:flex;flex-direction:column;gap:1rem}.pf-faq__item{background:#f8fafc;border:1px solid #e2e8f0;border-radius:var(--pf-radius);overflow:hidden;transition:all .3s ease}.pf-faq__item[open]{border-color:var(--pf-gold);box-shadow:0 4px 20px #c9a9591a}.pf-faq__item summary{display:flex;align-items:center;justify-content:space-between;padding:1.25rem 1.5rem;font-family:var(--pf-font);font-weight:600;font-size:1rem;color:var(--pf-text-dark);cursor:pointer;list-style:none}.pf-faq__item summary::-webkit-details-marker{display:none}.pf-faq__item summary:after{content:"+";font-size:1.5rem;font-weight:300;color:var(--pf-gold);transition:transform .3s ease}.pf-faq__item[open] summary:after{content:"−"}.pf-faq__item p{padding:0 1.5rem 1.25rem;font-family:var(--pf-font);font-weight:400;font-size:.95rem;color:var(--pf-text-body);line-height:1.7;margin:0}.pf-faq__item a{color:var(--pf-gold);text-decoration:underline;text-underline-offset:2px;transition:color .3s ease}.pf-faq__item a:hover{color:var(--pf-gold-hover)}