:root{--primary:#df5b34;--primary-dark:#b8431f;--primary-soft:#fff0eb;--navy:#20242d;--navy-soft:#303641;--success:#1f9d68;--danger:#d94b4b;--background:#f4f6f8;--surface:#ffffff;--surface-soft:#f8fafb;--border:#e5e9ee;--text:#20242d;--text-muted:#727985;--shadow:0 12px 35px rgba(20,25,35,.08);--radius-lg:22px;--radius-md:14px;--radius-sm:10px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Segoe UI,Inter,-apple-system,BlinkMacSystemFont,Roboto,Arial,sans-serif;background:var(--background);color:var(--text)}button,input,select,textarea{font:inherit}button{cursor:pointer}.topbar{background:var(--navy);color:#ffffffbf;font-size:13px}.topbar-inner{max-width:1440px;margin:auto;padding:10px 32px;display:flex;align-items:center;gap:24px}.topbar a{color:#fff;text-decoration:none}.topbar-spacer{flex:1}.main-header{background:#fff;border-bottom:1px solid var(--border)}.header-inner{max-width:1440px;margin:auto;padding:18px 32px;display:flex;align-items:center;justify-content:space-between;gap:30px}.brand{display:flex;align-items:center;gap:14px}.brand-name{font-size:22px;font-weight:800;letter-spacing:.5px}.brand-tagline{margin-top:2px;font-size:12px;color:var(--primary);font-weight:700}.header-actions{display:flex;align-items:center;gap:12px}.support-text{text-align:right}.support-text small{display:block;color:var(--text-muted)}.support-text strong{font-size:15px}.hero{background:radial-gradient(circle at 10% 20%,rgba(223,91,52,.18),transparent 35%),linear-gradient(135deg,#20242d,#303641);color:#fff}.hero-inner{max-width:1440px;margin:auto;padding:52px 32px 100px;display:grid;grid-template-columns:1.2fr .8fr;gap:60px;align-items:center}.hero-badge{display:inline-flex;align-items:center;gap:8px;padding:8px 14px;border-radius:999px;background:#ffffff14;border:1px solid rgba(255,255,255,.12);font-size:12px;font-weight:700;color:#ffffffe6}.hero h1{margin:18px 0 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ease}.plan-card:hover{border-color:var(--primary);transform:translateY(-2px)}.plan-card.selected{border-color:var(--primary);background:var(--primary-soft)}.plan-letter{width:34px;height:34px;border-radius:10px;background:#f1f3f5;display:flex;align-items:center;justify-content:center;font-weight:900;margin-bottom:16px}.plan-card.selected .plan-letter{background:var(--primary);color:#fff}.plan-card h4{margin:0 0 6px;font-size:15px}.plan-card p{margin:0;color:var(--text-muted);font-size:12px;line-height:1.5}.cover-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-bottom:30px}.cover-option{border:2px solid var(--border);background:#fff;padding:16px;border-radius:12px;text-align:left;cursor:pointer;transition:.2s ease}.cover-option:hover{border-color:var(--primary)}.cover-option.selected{border-color:var(--primary);background:var(--primary-soft)}.cover-option small{color:var(--text-muted);display:block;margin-bottom:4px}.cover-option 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20px;border-radius:10px;background:var(--primary-soft);color:var(--primary-dark);font-weight:900;letter-spacing:1px}footer{background:var(--navy);color:#fff9;text-align:center;padding:32px;font-size:12px;line-height:1.8}footer strong{color:#fff}@media (max-width:1100px){.quote-layout{grid-template-columns:1fr}.quote-summary{position:static}.plan-grid{grid-template-columns:repeat(2,1fr)}.info-section,.hero-inner{grid-template-columns:1fr}}@media (max-width:700px){.topbar-inner,.header-inner,.hero-inner,.page-container{padding-left:18px;padding-right:18px}.topbar,.support-text{display:none}.hero-inner{padding-top:40px;padding-bottom:90px}.form-body,.form-header,.form-navigation{padding-left:20px;padding-right:20px}.stepper{padding:18px}.step span:last-child{display:none}.plan-grid,.cover-grid,.form-grid,.quote-controls,.benefit-list{grid-template-columns:1fr}.header-actions{display:none}}#beneficiaryList .extended-member{padding-bottom:20px}#beneficiaryList .form-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-bottom:18px}#beneficiaryList .form-grid:last-child{grid-template-columns:1fr;margin-bottom:0}#beneficiaryList .form-group{display:flex;flex-direction:column;width:100%}#beneficiaryList .form-group label{display:block;margin-bottom:7px;font-size:13px;font-weight:700;color:var(--text)}#beneficiaryList .form-control,#beneficiaryList input[type=number].form-control{display:block;visibility:visible;opacity:1;width:100%;height:46px;border-radius:10px;border:1.5px solid var(--border);padding:0 14px;outline:none;background:#fff;color:var(--text);transition:.2s ease}#beneficiaryList .form-control:focus{border-color:var(--primary);box-shadow:0 0 0 4px #df5b341a}#beneficiaryList .form-control::placeholder{color:var(--text-muted)}#beneficiaryList input[type=number]::-webkit-outer-spin-button,#beneficiaryList input[type=number]::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}#beneficiaryList input[type=number]{-moz-appearance:textfield;-webkit-appearance:textfield;appearance:textfield}.percentage-total{margin:4px 0 18px;font-size:13px;font-weight:700;color:var(--text-muted)}@media (max-width:700px){#beneficiaryList .form-grid{grid-template-columns:1fr}}