:root{--navy:#0b2447;--blue:#1464f4;--cyan:#02a9e9;--red:#e63946;--gold:#f4b400;--ink:#142033;--muted:#5f6b7a;--light:#f5f8fc;--white:#fff;--line:#dfe7f1;--shadow:0 18px 45px rgba(10,36,71,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(1180px,92%);margin:auto}.topbar{background:var(--navy);color:#fff;font-size:.92rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0;flex-wrap:wrap}.topbar a{color:#fff}.header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.98);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:22px}.brand{font-weight:900;font-size:1.2rem;line-height:1.05;color:var(--navy)}.brand span{display:block;color:var(--red);font-size:.76rem;letter-spacing:.12em;text-transform:uppercase}.navlinks{display:flex;align-items:center;gap:18px;font-weight:700;font-size:.93rem}.navlinks a:hover{color:var(--blue)}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:10px;font-weight:800;border:2px solid transparent;transition:.2s}.btn-primary{background:var(--red);color:#fff}.btn-primary:hover{background:#c92532}.btn-blue{background:var(--blue);color:#fff}.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}.mobile-toggle{display:none;background:none;border:0;font-size:1.5rem}.hero{background:linear-gradient(105deg,rgba(11,36,71,.96),rgba(20,100,244,.80)),url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1800&q=80') center/cover;min-height:650px;color:#fff;display:grid;align-items:center}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center;padding:70px 0}.eyebrow{font-weight:900;color:#ffd166;text-transform:uppercase;letter-spacing:.13em;font-size:.84rem}.hero h1{font-size:clamp(2.6rem,5.3vw,5rem);line-height:1.02;margin:.35rem 0 1rem;max-width:850px}.hero p{font-size:1.18rem;max-width:720px;color:#edf4ff}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.hero-card{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:var(--shadow)}.hero-card h3{margin-top:0;color:var(--navy)}.quick-list{display:grid;gap:11px;margin:18px 0}.quick-list a{padding:12px 14px;border:1px solid var(--line);border-radius:10px;font-weight:800;display:flex;justify-content:space-between}.trust-strip{background:#fff;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}.trust-item{padding:24px;text-align:center;border-right:1px solid var(--line);font-weight:800}.trust-item:last-child{border-right:0}.section{padding:82px 0}.section-light{background:var(--light)}.section-dark{background:var(--navy);color:#fff}.section-head{max-width:760px;margin-bottom:38px}.section-head h2{font-size:clamp(2rem,4vw,3.3rem);line-height:1.1;margin:.3rem 0 .8rem;color:var(--navy)}.section-dark .section-head h2{color:#fff}.section-head p{color:var(--muted);font-size:1.08rem}.section-dark .section-head p{color:#dbe8f8}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:27px;box-shadow:0 10px 26px rgba(10,36,71,.06)}.card h3{margin:.4rem 0;color:var(--navy)}.icon{width:54px;height:54px;border-radius:14px;display:grid;place-items:center;background:#eaf2ff;color:var(--blue);font-size:1.5rem;font-weight:900}.card ul{padding-left:19px;color:var(--muted)}.link{color:var(--blue);font-weight:900}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.photo{border-radius:22px;overflow:hidden;box-shadow:var(--shadow);min-height:430px;background-size:cover;background-position:center}.checklist{display:grid;gap:13px;margin:25px 0}.check{display:flex;gap:12px}.check b{color:var(--blue)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step{padding:28px;border-radius:18px;background:#fff;color:var(--ink)}.step-num{font-size:2rem;font-weight:900;color:var(--red)}.cta{background:linear-gradient(110deg,var(--red),#ff6b35);color:#fff;border-radius:24px;padding:45px;display:flex;align-items:center;justify-content:space-between;gap:25px}.cta h2{font-size:clamp(1.8rem,3.5vw,3rem);margin:0}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.form-group{display:grid;gap:6px}.form-group.full{grid-column:1/-1}label{font-weight:800}input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cbd7e6;border-radius:9px;font:inherit}textarea{min-height:130px}.notice{background:#fff8df;border-left:5px solid var(--gold);padding:17px;border-radius:8px;color:#5d4a00}.page-hero{background:linear-gradient(110deg,var(--navy),#164f9f);color:#fff;padding:80px 0}.page-hero h1{font-size:clamp(2.5rem,5vw,4.4rem);line-height:1.05;margin:.4rem 0}.breadcrumbs{color:#cde0f8}.service-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}.service-box{border:1px solid var(--line);border-radius:16px;padding:26px}.faq details{border-bottom:1px solid var(--line);padding:18px 0}.faq summary{font-weight:900;cursor:pointer;color:var(--navy)}.footer{background:#07182f;color:#dce8f8;padding:58px 0 22px}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}.footer h4{color:#fff;margin-top:0}.footer a{display:block;margin:7px 0;color:#dce8f8}.footer-bottom{border-top:1px solid #29405f;margin-top:35px;padding-top:20px;font-size:.9rem}.badge{display:inline-block;background:#eaf2ff;color:var(--blue);font-weight:900;padding:7px 11px;border-radius:999px;font-size:.78rem}.muted{color:var(--muted)}
@media(max-width:900px){.navlinks{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;padding:20px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.navlinks.open{display:flex}.mobile-toggle{display:block}.hero-grid,.split{grid-template-columns:1fr}.hero{min-height:auto}.cards,.steps,.trust-grid{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.service-grid{grid-template-columns:1fr}}
@media(max-width:600px){.cards,.steps,.trust-grid,.footer-grid,.form-grid{grid-template-columns:1fr}.trust-item{border-right:0;border-bottom:1px solid var(--line)}.cta{align-items:flex-start;flex-direction:column}.section{padding:60px 0}.hero-grid{padding:55px 0}.hero-card{padding:22px}}

.brand-logo{display:inline-flex;align-items:center}.brand-logo img{display:block;max-height:58px;width:auto}.footer-logo img{max-height:72px;filter:none}@media(max-width:700px){.brand-logo img{max-height:46px}}

.team-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.team-card{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow)}.team-card img{width:100%;aspect-ratio:8/9;object-fit:cover;object-position:center 28%}.team-copy{padding:26px}.team-copy h3,.tax-pro h3{margin:0 0 5px;color:var(--navy)}.team-role{font-weight:800;color:var(--blue);margin:0 0 12px}.credential-notice{margin-top:30px}.tax-pro-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.tax-pro{display:grid;grid-template-columns:125px 1fr;align-items:center;gap:20px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:16px;box-shadow:0 10px 26px rgba(10,36,71,.06)}.tax-pro img{width:125px;height:145px;object-fit:cover;object-position:center 25%;border-radius:13px}.tax-pro p{margin:4px 0;color:var(--muted)}@media(max-width:760px){.team-grid,.tax-pro-grid{grid-template-columns:1fr}.tax-pro{grid-template-columns:95px 1fr}.tax-pro img{width:95px;height:112px}}

/* Visual services, carriers, and expanded team */
.visual-service-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.visual-service-card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);transition:transform .2s,box-shadow .2s}.visual-service-card:hover{transform:translateY(-5px);box-shadow:0 24px 55px rgba(10,36,71,.16)}.visual-service-card img{width:100%;height:220px;object-fit:cover}.visual-service-copy{padding:24px}.visual-service-copy span{font-size:.75rem;text-transform:uppercase;letter-spacing:.11em;font-weight:900;color:var(--red)}.visual-service-copy h3{margin:.35rem 0;color:var(--navy);font-size:1.35rem}.visual-service-copy p{color:var(--muted)}.team-preview-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.team-preview{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:0 10px 26px rgba(10,36,71,.08)}.team-preview img{width:100%;height:330px;object-fit:cover;object-position:center 25%}.team-preview>div{padding:22px}.team-preview h3{color:var(--navy);margin:0 0 5px}.insurance-feature-grid{display:grid;gap:30px}.insurance-feature{display:grid;grid-template-columns:minmax(280px,.8fr) 1.2fr;gap:34px;align-items:center;border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff;box-shadow:var(--shadow)}.insurance-feature:nth-child(even){grid-template-columns:1.2fr minmax(280px,.8fr)}.insurance-feature:nth-child(even) img{order:2}.insurance-feature img{width:100%;height:330px;object-fit:cover}.insurance-feature>div{padding:30px}.insurance-feature h3{color:var(--navy);font-size:2rem;margin:.2rem 0}.carrier-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.carrier-grid div{display:grid;place-items:center;min-height:92px;background:#fff;border:1px solid var(--line);border-radius:14px;font-size:1.05rem;font-weight:900;color:var(--navy);box-shadow:0 8px 20px rgba(10,36,71,.06);text-align:center;padding:12px}.carrier-disclaimer{font-size:.9rem;color:var(--muted);margin-top:22px}.agent-highlight{background:#fff;border:1px solid var(--line);border-radius:22px;overflow:hidden;box-shadow:var(--shadow);text-align:center}.agent-highlight img{width:100%;height:430px;object-fit:cover;object-position:center 22%}.agent-highlight h3{color:var(--navy);font-size:1.6rem;margin:22px 20px 0}.agent-highlight p{margin-left:22px;margin-right:22px}.agent-highlight p:last-child{padding-bottom:22px}.team-grid{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.visual-service-grid,.team-preview-grid{grid-template-columns:1fr 1fr}.insurance-feature,.insurance-feature:nth-child(even){grid-template-columns:1fr}.insurance-feature:nth-child(even) img{order:0}.carrier-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.visual-service-grid,.team-preview-grid,.carrier-grid{grid-template-columns:1fr}.visual-service-card img{height:210px}.team-preview img{height:300px}.insurance-feature img{height:240px}}


/* Compact picture sizing and carrier image cards */
.compact-section{padding:64px 0}.featured-services .section-head{margin-bottom:30px}.visual-service-grid{gap:18px}.visual-service-card img{height:150px;object-fit:cover}.visual-service-copy{padding:18px}.visual-service-copy h3{font-size:1.18rem}.visual-service-copy p{font-size:.96rem;line-height:1.5}.team-preview img{height:240px}.team-preview>div{padding:18px}.team-card img{height:250px;aspect-ratio:auto;object-fit:cover}.agent-highlight img{height:280px}.insurance-feature{grid-template-columns:240px 1fr;gap:22px}.insurance-feature:nth-child(even){grid-template-columns:1fr 240px}.insurance-feature img{height:200px}.insurance-feature>div{padding:22px}.insurance-feature h3{font-size:1.45rem}.carrier-logo-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.carrier-logo{margin:0}.carrier-logo img{width:100%;height:120px;object-fit:contain;background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 24px rgba(10,36,71,.07);padding:10px}.carrier-disclaimer{max-width:900px}@media(max-width:900px){.carrier-logo-grid{grid-template-columns:repeat(2,1fr)}.insurance-feature,.insurance-feature:nth-child(even){grid-template-columns:1fr}.insurance-feature img{height:190px}}@media(max-width:600px){.visual-service-grid,.team-preview-grid,.carrier-logo-grid{grid-template-columns:1fr}.visual-service-card img{height:135px}.team-preview img,.team-card img,.agent-highlight img{height:210px}.carrier-logo img{height:108px}.insurance-feature img{height:170px}}

/* Broad-style tighter grids */
.visual-service-grid{grid-template-columns:repeat(3,1fr)!important;gap:16px}.visual-service-card img{height:132px!important}.visual-service-copy{padding:16px!important}.visual-service-copy h3{font-size:1.08rem!important;line-height:1.25}.visual-service-copy p{font-size:.92rem!important;line-height:1.45}.carrier-logo-grid{grid-template-columns:repeat(3,1fr)!important;gap:18px;align-items:stretch}.carrier-logo{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 24px rgba(10,36,71,.07);padding:10px 12px 14px;text-align:center}.carrier-logo img{height:96px!important;border:0!important;box-shadow:none!important;padding:0!important;margin:0 auto 8px}.carrier-logo h4{margin:0;font-size:1rem;color:var(--navy);line-height:1.25}@media(max-width:900px){.visual-service-grid,.carrier-logo-grid{grid-template-columns:repeat(2,1fr)!important}}@media(max-width:600px){.visual-service-grid,.carrier-logo-grid{grid-template-columns:1fr!important}.visual-service-card img{height:125px!important}.carrier-logo img{height:90px!important}}
/* Website disclaimer and security notices */
.site-notice{background:#fff4cc;border-bottom:1px solid #e4c65b;color:#463800;font-size:.88rem;line-height:1.45}
.site-notice .container{padding:9px 0}
.site-notice a{font-weight:900;text-decoration:underline;color:#0b2447}
.legal-disclaimer{padding:34px 0;background:#eef3f9}
.legal-disclaimer-box{border:1px solid #c9d5e5;border-left:6px solid #e63946;background:#fff;border-radius:12px;padding:24px;box-shadow:0 8px 22px rgba(10,36,71,.06)}
.legal-disclaimer-box h2{margin:0 0 12px;color:#0b2447;font-size:1.45rem}
.legal-disclaimer-box p{font-size:.9rem;line-height:1.55;margin:10px 0;color:#3f4b5c}
.legal-disclaimer-box a,.legal-page a{color:#1464f4;font-weight:800}
.sensitive-form-warning{background:#fff4cc;border:1px solid #e4c65b;border-radius:10px;padding:13px 15px;margin:0 0 18px;color:#463800;font-size:.9rem}
.legal-page{max-width:960px}
.legal-page h2{color:#0b2447;margin-top:30px;margin-bottom:8px;font-size:1.45rem}
.legal-page p{color:#3f4b5c}
@media(max-width:600px){.site-notice{font-size:.82rem}.legal-disclaimer-box{padding:18px}.legal-disclaimer-box p{font-size:.86rem}}


/* Final V5: brighter homepage service-card text */
.hero-card .badge{
  background:#ff8a00;
  color:#ffffff;
}
.hero-card h3{
  color:#1464f4;
}
.hero-card .quick-list a{
  color:#0087c9;
  background:#f2fbff;
  border-color:#9edfff;
}
.hero-card .quick-list a:hover{
  color:#005fa3;
  background:#e1f7ff;
  border-color:#49c9f2;
}
.hero-card .quick-list a span{
  color:#e63946;
  font-weight:900;
}
.hero-card .muted{
  color:#d05a00;
  font-weight:800;
}

/* Final V6: force visible non-black colors in homepage service box */
.hero .hero-card h3{
  color:#7a2cbf !important;
}
.hero .hero-card .quick-list a{
  color:#0057d9 !important;
}
.hero .hero-card .quick-list a:nth-child(2){
  color:#7a2cbf !important;
}
.hero .hero-card .quick-list a:nth-child(3){
  color:#00856a !important;
}
.hero .hero-card .quick-list a:nth-child(4){
  color:#c2410c !important;
}
.hero .hero-card .quick-list a span{
  color:#d6006f !important;
}
.hero .hero-card .muted{
  color:#b54700 !important;
  opacity:1 !important;
}
.hero .hero-card .badge{
  background:#ff8a00 !important;
  color:#ffffff !important;
}

/* Final V7: approved insurance and tax consultation hero background */
.hero{
  background:
    linear-gradient(
      90deg,
      rgba(7,24,47,.91) 0%,
      rgba(7,24,47,.76) 30%,
      rgba(7,24,47,.46) 52%,
      rgba(20,100,244,.14) 75%,
      rgba(20,100,244,.04) 100%
    ),
    url('assets/bdc-insurance-tax-hero-v7.webp') center center / cover no-repeat !important;
}
@media(max-width:900px){
  .hero{
    background-position:62% center !important;
  }
}
@media(max-width:600px){
  .hero{
    background:
      linear-gradient(rgba(7,24,47,.80),rgba(7,24,47,.72)),
      url('assets/bdc-insurance-tax-hero-v7.webp') 66% center / cover no-repeat !important;
  }
}

/* Final V8: company name beside the header logo */
.header{
  background:#f7fbff;
  border-bottom:1px solid #d9e7f5;
}
.header .brand-logo{
  display:inline-flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
  flex-shrink:0;
}
.header .brand-name{
  display:flex;
  align-items:baseline;
  gap:6px;
  white-space:nowrap;
  font-weight:900;
  line-height:1;
  letter-spacing:-.02em;
}
.header .brand-name .brand-bdc{
  color:#c58b18;
  font-size:1.42rem;
}
.header .brand-name .brand-services{
  color:#124b83;
  font-size:1.18rem;
}
@media(max-width:1050px){
  .header .brand-logo{gap:8px}
  .header .brand-name{
    flex-direction:column;
    align-items:flex-start;
    gap:2px;
  }
  .header .brand-name .brand-bdc{font-size:1.06rem}
  .header .brand-name .brand-services{font-size:.82rem}
}
@media(max-width:760px){
  .header .brand-name{
    display:flex;
  }
  .header .brand-name .brand-bdc{font-size:.98rem}
  .header .brand-name .brand-services{font-size:.76rem}
}
@media(max-width:420px){
  .header .brand-logo img{max-height:42px}
  .header .brand-name .brand-bdc{font-size:.88rem}
  .header .brand-name .brand-services{font-size:.68rem}
}

/* Final V10: compact single-line desktop header */
@media(min-width:901px){
  .header .container{
    width:min(1240px,96%);
  }
  .nav{
    min-height:68px;
    gap:14px;
  }
  .header .brand-logo{
    gap:8px;
  }
  .header .brand-logo img{
    width:auto;
    max-height:54px;
  }
  .header .brand-name{
    flex-direction:row !important;
    align-items:baseline !important;
    gap:5px !important;
    white-space:nowrap;
  }
  .header .brand-name .brand-bdc{
    font-size:1.02rem !important;
    letter-spacing:.10em;
  }
  .header .brand-name .brand-services{
    font-size:.96rem !important;
    letter-spacing:.10em;
  }
  .navlinks{
    gap:12px;
    font-size:.82rem;
    white-space:nowrap;
    flex-wrap:nowrap;
  }
  .navlinks a{
    white-space:nowrap;
  }
  .navlinks .btn{
    padding:10px 15px;
    border-radius:9px;
  }
}
@media(min-width:901px) and (max-width:1120px){
  .header .brand-name .brand-bdc{
    font-size:.92rem !important;
  }
  .header .brand-name .brand-services{
    font-size:.86rem !important;
  }
  .navlinks{
    gap:9px;
    font-size:.76rem;
  }
  .navlinks .btn{
    padding:9px 12px;
  }
}


/* Final V11: add address under brand name and keep header compact */
.header .brand-logo{
  align-items:center;
}
.header .brand-name{
  display:flex;
  flex-direction:column !important;
  align-items:flex-start !important;
  justify-content:center;
  gap:2px !important;
  line-height:1.05;
}
.header .brand-title{
  display:flex;
  flex-direction:row;
  align-items:baseline;
  gap:6px;
  white-space:nowrap;
}
.header .brand-address{
  display:block;
  color:#4b5563;
  font-size:.63rem;
  font-weight:600;
  line-height:1.2;
  letter-spacing:.01em;
}
@media(min-width:901px){
  .header .container{
    width:min(1280px,96%);
  }
  .nav{
    min-height:74px;
    gap:14px;
  }
  .header .brand-logo img{
    width:auto;
    max-height:56px;
  }
  .header .brand-name .brand-bdc{
    font-size:.95rem !important;
    letter-spacing:.10em;
  }
  .header .brand-name .brand-services{
    font-size:.90rem !important;
    letter-spacing:.10em;
  }
  .navlinks{
    gap:11px;
    font-size:.81rem;
    white-space:nowrap;
    flex-wrap:nowrap;
  }
  .navlinks a{
    white-space:nowrap;
  }
  .navlinks .btn{
    padding:10px 14px;
    border-radius:9px;
  }
}
@media(min-width:901px) and (max-width:1120px){
  .header .brand-name .brand-bdc{
    font-size:.86rem !important;
  }
  .header .brand-name .brand-services{
    font-size:.80rem !important;
  }
  .header .brand-address{
    font-size:.57rem;
  }
  .navlinks{
    gap:8px;
    font-size:.73rem;
  }
  .navlinks .btn{
    padding:8px 11px;
  }
}
@media(max-width:900px){
  .header .brand-address{
    font-size:.58rem;
    line-height:1.2;
  }
  .header .brand-title{
    gap:4px;
    white-space:normal;
  }
}


/* Final V12: add topbar email and keep spacing compact */
.topbar{font-size:.88rem}
.topbar .container{align-items:center}
.topbar .contact-line{display:flex;align-items:center;gap:0;flex-wrap:wrap;justify-content:flex-end}
@media(max-width:900px){
  .topbar{font-size:.82rem}
  .topbar .contact-line{justify-content:flex-start}
}

/* Final V13: working website forms */
.form-honeypot{
  position:absolute !important;
  left:-10000px !important;
  width:1px !important;
  height:1px !important;
  overflow:hidden !important;
}
.form-help{
  margin-top:10px;
  color:var(--muted);
  font-size:.86rem;
}
.form-submit-status{
  display:none;
  margin:0 0 18px;
  padding:14px 16px;
  border-radius:10px;
  font-weight:800;
}
.form-submit-status.show{
  display:block;
}
.form-submit-status.sending{
  background:#eaf2ff;
  color:#0b3f83;
  border:1px solid #a9c8f5;
}