:root{--ink:#30483d;--navy:#4f7464;--blue:#668c7b;--sky:#e3ede4;--cream:#faf7ef;--paper:#fffdf8;--gold:#a98758;--coral:#b77a60;--muted:#6b7b72;--line:#dce4dc;--serif:Georgia,'Times New Roman',serif;--sans:Arial,Helvetica,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font:17px/1.68 var(--sans)}a{color:inherit}.wrap{width:min(1160px,calc(100% - 40px));margin:auto}.topnote{background:var(--navy);color:#fff;text-align:center;padding:9px 16px;font-size:13px;letter-spacing:.04em}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,253,248,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{height:84px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{text-decoration:none}.brand strong{display:block;font:26px/1 var(--serif);letter-spacing:.02em}.brand span{font-size:10px;letter-spacing:.2em;text-transform:uppercase;color:var(--blue)}.navlinks{display:flex;align-items:center;gap:24px}.navlinks a{text-decoration:none;font-size:14px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:49px;padding:0 24px;border-radius:999px;background:var(--navy);color:#fff;text-decoration:none;font-weight:700;border:1px solid var(--navy);transition:.2s}.btn:hover{background:var(--blue);transform:translateY(-1px)}.btn.alt{background:transparent;color:var(--navy)}.menu{display:none;background:none;border:0;font-size:28px;color:var(--ink)}.hero{min-height:690px;display:grid;align-items:center;background:linear-gradient(90deg,rgba(58,91,76,.90) 0 49%,rgba(62,96,81,.12)),url('hero.png') center/cover}.hero-copy{width:min(670px,100%);padding:100px 0;color:#fff}.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:12px;font-weight:700;color:var(--gold)}h1,h2,h3{font-family:var(--serif);font-weight:400;line-height:1.08;margin:0 0 22px}h1{font-size:clamp(48px,6.5vw,80px)}h2{font-size:clamp(36px,4.4vw,58px)}h3{font-size:28px}.hero p{font-size:20px;max-width:620px;color:#f5f8f5}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:32px}.hero .btn{background:#fff;color:var(--navy);border-color:#fff}.hero .btn.alt{background:transparent;color:#fff}.section{padding:100px 0}.soft{background:var(--cream)}.blue{background:var(--navy);color:#fff}.intro{text-align:center;max-width:810px;margin:auto}.intro p{font-size:20px;color:var(--muted)}.blue .intro p{color:#edf3ee}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:54px}.card{background:#fff;border:1px solid var(--line);padding:36px;border-radius:4px;box-shadow:0 14px 38px rgba(48,72,61,.05)}.card .num{font:48px/1 var(--serif);color:var(--gold)}.text-link{font-weight:700;color:var(--blue);text-decoration:none}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.portrait{min-height:560px;background:url('cara-altom-enhanced.jpg') center/cover;border-radius:2px;position:relative}.portrait:after{content:'A steady presence for life’s difficult seasons';position:absolute;right:-24px;bottom:28px;background:var(--navy);color:#fff;padding:22px;width:230px;font:22px/1.3 var(--serif)}.checks{list-style:none;padding:0}.checks li{padding:12px 0 12px 30px;border-bottom:1px solid var(--line);position:relative}.checks li:before{content:'✓';position:absolute;left:0;color:var(--gold);font-weight:bold}.quote{font:clamp(28px,3.2vw,44px)/1.3 var(--serif);max-width:900px;margin:auto;text-align:center}.page-hero{padding:105px 0 80px;background:var(--navy);color:#fff}.page-hero p{font-size:20px;max-width:720px;color:#edf3ee}.page-hero h1{font-size:clamp(46px,6vw,72px)}.content{max-width:820px}.content h2{margin-top:56px}.content h3{margin-top:38px}.faq details{border-top:1px solid var(--line);padding:21px 0}.faq summary{cursor:pointer;font-weight:700}.faq p{color:var(--muted)}.step{display:grid;grid-template-columns:68px 1fr;gap:20px;margin:26px 0}.step b{width:55px;height:55px;border-radius:50%;display:grid;place-items:center;background:var(--sky);font:24px var(--serif)}.cta-band{padding:72px 0;background:var(--sky);text-align:center}.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}.form label{font-size:14px;font-weight:700}.form input,.form select,.form textarea{width:100%;margin-top:7px;padding:15px;border:1px solid #c4d0c8;background:#fff;font:inherit}.form .full{grid-column:1/-1}.small{font-size:13px;color:var(--muted)}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article{border-top:3px solid var(--gold);padding:28px;background:#fff}.footer{background:#315346;color:#edf3ee;padding:70px 0 28px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:60px}.footer a{display:block;color:#edf3ee;text-decoration:none;margin:8px 0}.copyright{border-top:1px solid #587467;margin-top:45px;padding-top:22px;font-size:13px;color:#becdc5}.pill{display:inline-block;background:var(--sky);color:var(--ink);border-radius:999px;padding:8px 14px;font-size:13px;margin:4px}.compare{overflow:auto}.compare table{border-collapse:collapse;width:100%;min-width:760px}.compare th,.compare td{padding:16px;border:1px solid var(--line);vertical-align:top;text-align:left}.compare th{background:var(--navy);color:#fff}.recommended{background:#f2f7f2}.notice{border-left:4px solid var(--gold);padding:22px 28px;background:var(--cream)}.page-image{width:min(1120px,calc(100% - 40px));margin:46px auto 0;overflow:hidden;border-radius:28px;box-shadow:0 22px 60px rgba(31,58,48,.14);background:#dfe8df}.page-image img{display:block;width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}.page-image--wide{margin:0 auto 80px}.page-image--wide img{aspect-ratio:16/7}.page-image--offset{width:min(760px,calc(100% - 40px));margin:46px max(20px,calc((100vw - 1160px)/2)) 0 auto}.page-image--offset img{aspect-ratio:4/3}.page-image--inset{width:min(680px,100%);margin:38px 0 44px}.page-image--inset img{aspect-ratio:3/2}.individual-lead{grid-template-columns:minmax(0,.85fr) minmax(0,1.15fr);align-items:center}.page-image--individual{width:100%;margin:0}.page-image--individual img{aspect-ratio:4/5;object-position:center}.individual-details{align-items:start}.individual-details h3{margin-top:36px}@media(max-width:900px){.navlinks{display:none;position:absolute;top:84px;left:0;right:0;background:var(--paper);padding:24px 20px;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.hero{min-height:650px;background:linear-gradient(rgba(58,91,76,.68),rgba(58,91,76,.82)),url('hero.png') center/cover}.grid3,.blog-grid{grid-template-columns:1fr}.split{grid-template-columns:1fr;gap:45px}.portrait{min-height:480px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}@media(max-width:580px){.page-image,.page-image--wide,.page-image--offset,.page-image--inset{width:min(100% - 28px,1160px);margin:30px auto 48px;border-radius:20px}.page-image--wide img,.page-image--offset img,.page-image--inset img{aspect-ratio:4/3}.individual-lead .page-image--individual{width:100%;margin:0}.page-image--individual img{aspect-ratio:4/3}body{font-size:16px}.wrap{width:min(100% - 28px,1160px)}.nav{height:72px}.navlinks{top:72px}.brand strong{font-size:21px}.hero-copy{padding:80px 0}.section{padding:72px 0}.page-hero{padding:75px 0 60px}.actions{display:grid}.btn{width:100%}.form{grid-template-columns:1fr}.form .full{grid-column:auto}.portrait:after{right:12px;left:12px;width:auto}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}}
.skip-link{position:absolute;left:-9999px;top:8px;z-index:100;background:#fff;color:var(--ink);padding:12px 18px;border:2px solid var(--navy)}.skip-link:focus{left:8px}.btn:focus-visible,.navlinks a:focus-visible,.menu:focus-visible,.footer a:focus-visible,summary:focus-visible{outline:3px solid var(--gold);outline-offset:4px}