:root{--quintus-navy:#0f2a3f;--deep-navy:#081c2b;--classic-gold:#d4af37;--soft-gold:#e6c768;--off-white:#f5f5f2;--slate-grey:#6b7280;--white:#fff;--ink:#102233;--line:#0f2a3f24;--gold-line:#d4af3785;--shadow:0 22px 60px #081c2b24;--container:1180px;--radius:6px}*{box-sizing:border-box}body{background:var(--off-white);color:var(--ink);text-rendering:optimizelegibility;-webkit-font-smoothing:antialiased;margin:0;font-family:Montserrat,Arial,sans-serif;font-size:16px;line-height:1.7}body.launch-popup-open{overflow:hidden}body,button,input,select,textarea{letter-spacing:0}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}img,svg{display:block}::selection{background:var(--soft-gold);color:var(--deep-navy)}.container{width:min(var(--container), calc(100% - 40px));margin:0 auto}.skip-link{z-index:20;background:var(--classic-gold);color:var(--deep-navy);text-transform:uppercase;padding:8px 12px;font-size:.78rem;font-weight:700;position:absolute;top:10px;left:16px;transform:translateY(-140%)}.skip-link:focus{transform:translateY(0)}.site-header{z-index:10;border-bottom:1px solid var(--line);-webkit-backdrop-filter:blur(16px);backdrop-filter:blur(16px);background:#fffffff5;position:sticky;top:0;box-shadow:0 10px 30px #081c2b12}.header-inner{align-items:center;gap:28px;min-height:104px;display:flex}.brand-mark{align-items:center;min-width:160px;line-height:1;display:inline-flex}.brand-logo{width:clamp(132px,12vw,156px);height:auto}.desktop-nav{color:var(--quintus-navy);align-items:center;gap:28px;margin-left:auto;font-size:.84rem;font-weight:600;display:flex}.desktop-nav a{border-bottom:1px solid #0000;padding:8px 0}.desktop-nav a:hover,.desktop-nav a:focus-visible{color:var(--classic-gold);border-bottom-color:var(--classic-gold)}.button{text-transform:uppercase;border:1px solid #0000;border-radius:0;justify-content:center;align-items:center;gap:10px;min-height:46px;padding:0 20px;font-size:.76rem;font-weight:800;line-height:1.1;transition:background .18s,border-color .18s,color .18s,transform .18s;display:inline-flex}.button:hover,.button:focus-visible{transform:translateY(-1px)}.button-gold{background:var(--classic-gold);color:var(--deep-navy)}.button-gold:hover,.button-gold:focus-visible{background:var(--soft-gold)}.button-navy{background:var(--deep-navy);color:var(--white)}.button-ghost{color:var(--white);border-color:#ffffff6b}.button-ghost:hover,.button-ghost:focus-visible{border-color:var(--soft-gold);color:var(--soft-gold)}.button-icon{fill:none;stroke:currentColor;stroke-linecap:square;stroke-linejoin:miter;stroke-width:1.7px;width:18px;height:18px}.mobile-menu{margin-left:auto;display:none;position:relative}.mobile-menu summary{cursor:pointer;border:1px solid var(--line);place-items:center;width:44px;height:44px;list-style:none;display:grid}.mobile-menu summary::-webkit-details-marker{display:none}.mobile-menu summary span{background:var(--quintus-navy);grid-area:1/1;width:19px;height:1px}.mobile-menu summary span:first-child{transform:translateY(-6px)}.mobile-menu summary span:last-child{transform:translateY(6px)}.mobile-menu nav{background:var(--white);border:1px solid var(--line);width:min(320px,100vw - 40px);box-shadow:var(--shadow);gap:4px;padding:14px;display:grid;position:absolute;top:calc(100% + 14px);right:0}.mobile-menu nav a{color:var(--quintus-navy);border-bottom:1px solid var(--line);padding:12px 10px;font-weight:700}.hero{min-height:min(640px,100vh - 180px);color:var(--white);border-bottom:4px solid var(--classic-gold);background-image:linear-gradient(90deg,#081c2bfa 0%,#081c2bf0 34%,#081c2bb3 58%,#081c2b40 100%),url(/images/quintus-underwriting-hero.png);background-position:50%;background-size:cover;align-items:center;display:flex}.hero-inner{padding:80px 0 86px}.hero-copy{max-width:700px}.hero h1,.page-hero h1,.section-header h2,.broker-cta h2,.partner-form h2{font-family:Playfair Display,Georgia,serif;font-weight:600;line-height:1.02}.hero h1{max-width:680px;margin:0;font-size:clamp(3.2rem,6.1vw,5.7rem)}.hero h1:after,.section-header h2:after,.page-hero h1:after{content:"";background:var(--classic-gold);width:64px;height:2px;margin-top:26px;display:block}.hero p{color:#ffffffd6;max-width:540px;margin:28px 0 0;font-size:clamp(1rem,1.6vw,1.2rem)}.hero-actions{flex-wrap:wrap;gap:14px;margin-top:36px;display:flex}.section{padding:clamp(72px,9vw,118px) 0}.section-white{background:var(--white)}.section-offwhite{background:var(--off-white)}.section-header{max-width:760px;margin-bottom:42px}.section-header-center{text-align:center;margin-left:auto;margin-right:auto}.section-header-left{text-align:left}.section-header h2{color:var(--quintus-navy);margin:0;font-size:clamp(2.2rem,4vw,4rem)}.section-header-center h2:after{margin-left:auto;margin-right:auto}.section-header p{color:var(--slate-grey);margin:22px 0 0;font-size:1.02rem}.section-header-dark h2{color:var(--white)}.section-header-dark p{color:#ffffffb8}.navy-band{background:radial-gradient(circle at 16% 12%, #d4af371a, transparent 28%), linear-gradient(135deg, var(--deep-navy), var(--quintus-navy));color:var(--white)}.reason-grid{grid-template-columns:repeat(5,1fr);gap:0;display:grid}.reason-item{border-left:1px solid #e6c76847;min-height:210px;padding:18px 22px 10px}.reason-item-pillar{min-height:320px;padding-top:10px}.reason-item:last-child{border-right:1px solid #e6c76847}.reason-rule{border:1px solid var(--classic-gold);width:36px;height:36px;margin-bottom:24px;display:block;transform:rotate(45deg)}.reason-mark{align-items:center;margin-bottom:22px;display:inline-flex}.reason-symbol,.pillar-symbol{width:48px;height:48px;color:var(--classic-gold);fill:none;stroke:currentColor;stroke-linecap:square;stroke-linejoin:miter;stroke-width:1.75px}.pillar-mark{align-items:center;gap:14px;margin-bottom:22px;display:inline-flex}.pillar-index{color:var(--soft-gold);letter-spacing:.18em;text-transform:uppercase;font-family:Playfair Display,Georgia,serif;font-size:1.2rem;line-height:1}.reason-item h3{color:var(--white);margin:0 0 10px;font-size:.95rem;line-height:1.35}.reason-item-pillar h3{min-height:52px}.reason-item p{color:#ffffffb8;margin:0;font-size:.86rem;line-height:1.65}.product-grid{grid-template-columns:repeat(4,1fr);gap:22px;display:grid}.product-card,.detail-panel,.partner-form,.quote-panel{background:var(--white);border:1px solid var(--line);border-top:3px solid var(--classic-gold);box-shadow:0 18px 48px #081c2b0f}.product-card{flex-direction:column;min-height:366px;padding:30px 28px;transition:border-color .18s,transform .18s,box-shadow .18s;display:flex}.product-card:hover,.product-card:focus-within{box-shadow:var(--shadow);border-color:#d4af37cc;transform:translateY(-4px)}.icon-seal{width:58px;height:58px;color:var(--classic-gold);border:1px solid var(--gold-line);place-items:center;margin-bottom:28px;font-family:Playfair Display,Georgia,serif;font-size:1.24rem;line-height:1;display:grid}.product-card h3,.detail-panel h3,.about-note h3,.value-item h3{color:var(--quintus-navy);margin:0;font-family:Playfair Display,Georgia,serif;font-size:1.62rem;line-height:1.08}.product-card p{color:var(--slate-grey);margin:20px 0 28px;font-size:.94rem}.text-link{color:var(--quintus-navy);text-transform:uppercase;margin-top:auto;font-size:.78rem;font-weight:800}.text-link:hover,.text-link:focus-visible{color:var(--classic-gold)}.about-preview{background-color:#0000;background-image:linear-gradient(90deg,#fffffff5,#ffffffb8),url(/images/quintus-underwriting-hero.png);background-position:100%;background-repeat:repeat,repeat;background-size:cover;background-attachment:scroll,scroll;background-origin:padding-box,padding-box;background-clip:border-box,border-box}.about-preview-grid,.split-layout,.editorial-grid,.partner-grid{grid-template-columns:minmax(0,1fr) minmax(320px,.78fr);align-items:center;gap:clamp(40px,7vw,84px);display:grid}.about-preview p,.editorial-copy p{color:var(--slate-grey);max-width:680px}.about-note{background:var(--deep-navy);color:var(--white);border-left:4px solid var(--classic-gold);padding:38px}.about-note span{color:var(--soft-gold);text-transform:uppercase;font-size:.72rem;font-weight:800}.about-note h3{color:var(--white);margin-top:16px;font-size:clamp(1.8rem,3vw,2.7rem)}.about-note p{color:#ffffffbd}.broker-cta{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.broker-cta-inner{grid-template-columns:auto minmax(0,1fr) auto;align-items:center;gap:34px;min-height:156px;padding:26px 0;display:grid}.cta-symbol{width:86px;height:86px;color:var(--classic-gold);border-right:2px solid var(--classic-gold);place-items:center;font-family:Playfair Display,Georgia,serif;font-size:3rem;display:grid}.broker-cta h2{color:var(--quintus-navy);margin:0;font-size:clamp(2rem,3vw,3rem)}.broker-cta p{max-width:680px;color:var(--slate-grey);margin:8px 0 0}.launch-popup{z-index:80;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);background:#081c2bbd;place-items:center;padding:20px;display:grid;position:fixed;inset:0}.launch-popup-panel{background:var(--white);width:min(640px,100%);color:var(--ink);border:1px solid #d4af3761;border-top:4px solid var(--classic-gold);padding:34px 34px 30px;position:relative;box-shadow:0 28px 70px #081c2b47}.launch-popup-label{color:var(--classic-gold);letter-spacing:.18em;text-transform:uppercase;font-size:.72rem;font-weight:800;display:inline-block}.launch-popup-panel h2{color:var(--quintus-navy);margin:14px 0 0;font-family:Playfair Display,Georgia,serif;font-size:clamp(2rem,4vw,3rem);line-height:1.06}.launch-popup-panel p{max-width:520px;color:var(--slate-grey);margin:16px 0 0;font-size:.98rem}.launch-popup-actions{flex-wrap:wrap;gap:12px;margin-top:26px;display:flex}.launch-popup-button{min-width:220px}.launch-popup-secondary{border:1px solid var(--line);min-height:46px;color:var(--quintus-navy);letter-spacing:0;text-transform:uppercase;cursor:pointer;background:0 0;padding:0 18px;font-size:.76rem;font-weight:800}.launch-popup-secondary:hover,.launch-popup-secondary:focus-visible{border-color:var(--classic-gold);color:var(--classic-gold)}.launch-popup-close{background:var(--white);width:38px;height:38px;color:var(--quintus-navy);cursor:pointer;border:1px solid #0f2a3f24;place-items:center;display:grid;position:absolute;top:16px;right:16px}.launch-popup-close:hover,.launch-popup-close:focus-visible{border-color:var(--classic-gold);color:var(--classic-gold)}.launch-popup-close-icon{fill:none;stroke:currentColor;stroke-linecap:square;stroke-linejoin:miter;stroke-width:1.9px;width:16px;height:16px}.site-footer{background:var(--deep-navy);color:#ffffffbd;padding:62px 0 24px}.footer-grid{grid-template-columns:1.25fr .8fr 1fr 1.1fr;gap:48px;display:grid}.footer-brand p{max-width:260px}.brand-mark-footer{width:fit-content}.site-footer h2{color:var(--white);margin:0 0 16px;font-size:.9rem}.site-footer ul{margin:0;padding:0;list-style:none}.site-footer li+li{margin-top:8px}.site-footer a:hover,.site-footer a:focus-visible,.footer-link{color:var(--soft-gold)}.footer-bottom{border-top:1px solid #ffffff1f;justify-content:space-between;gap:24px;margin-top:50px;padding-top:22px;font-size:.8rem;display:flex}.legal-footer-links{flex-wrap:wrap;justify-content:flex-end;gap:10px 18px;display:flex}.page-hero{color:var(--white);border-bottom:4px solid var(--classic-gold);background-color:#0000;background-image:linear-gradient(135deg,#081c2bf5,#0f2a3feb),url(/images/quintus-underwriting-hero.png);background-position:50%;background-repeat:repeat,repeat;background-size:cover;background-attachment:scroll,scroll;background-origin:padding-box,padding-box;background-clip:border-box,border-box}.page-hero-inner{padding:clamp(76px,10vw,126px) 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4px;font-size:2.2rem}.partner-form p{color:var(--slate-grey);margin:0}.partner-form label{color:var(--quintus-navy);text-transform:uppercase;gap:7px;font-size:.78rem;font-weight:800;display:grid}.partner-form input,.partner-form select,.partner-form textarea{border:1px solid var(--line);background:var(--off-white);width:100%;color:var(--ink);border-radius:0;outline:none;padding:12px 13px}.partner-form input:focus,.partner-form select:focus,.partner-form textarea:focus{border-color:var(--classic-gold);box-shadow:0 0 0 3px #d4af3724}.partner-form textarea{resize:vertical}.partner-form button{background:var(--classic-gold);min-height:48px;color:var(--deep-navy);text-transform:uppercase;cursor:pointer;border:0;font-size:.78rem;font-weight:800}.partner-form button:hover,.partner-form button:focus-visible{background:var(--soft-gold)}.legal-layout{grid-template-columns:minmax(240px,.42fr) minmax(0,1fr);align-items:start;gap:clamp(34px,6vw,78px);display:grid}.legal-summary{background:var(--off-white);border:1px solid var(--line);border-top:3px solid var(--classic-gold);padding:30px;position:sticky;top:136px}.legal-summary h2{color:var(--quintus-navy);margin:0;font-family:Playfair Display,Georgia,serif;font-size:1.8rem;line-height:1.12}.legal-summary dl{gap:18px;margin:28px 0 0;display:grid}.legal-summary dt{color:var(--slate-grey);text-transform:uppercase;font-size:.74rem;font-weight:800}.legal-summary dd{color:var(--quintus-navy);margin:2px 0 0;font-weight:700}.legal-content{gap:26px;display:grid}.legal-section{border-bottom:1px solid var(--line);padding-bottom:28px}.legal-section h2{color:var(--quintus-navy);margin:0 0 16px;font-family:Playfair Display,Georgia,serif;font-size:clamp(1.8rem,3vw,2.55rem);line-height:1.12}.legal-section p{color:var(--slate-grey);margin:0}.legal-section p+p,.legal-section .legal-list+p,.legal-section .legal-group-grid+p,.legal-section 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var(--container))}.header-inner{min-height:82px}.brand-mark{min-width:118px}.brand-logo{width:118px}.hero{background-position:100%;min-height:auto}.hero-inner{padding:82px 0 88px}.hero h1{font-size:clamp(2.65rem,12.2vw,3.45rem)}.hero-actions,.broker-cta-inner{align-items:stretch}.hero-actions .button,.broker-cta .button{width:100%}.launch-popup{padding:16px}.launch-popup-panel{padding:28px 22px 22px}.launch-popup-actions{flex-direction:column}.launch-popup-button,.launch-popup-secondary{width:100%}.section{padding:62px 0}.reason-grid,.product-grid,.detail-grid,.value-grid,.about-preview-grid,.split-layout,.editorial-grid,.partner-grid,.footer-grid{grid-template-columns:1fr}.reason-item,.reason-item:last-child,.reason-item:nth-child(2n){border-top:1px solid #e6c76847;border-left:0;border-right:0}.reason-grid{border-bottom:1px solid #e6c76847}.pillar-mark{gap:10px}.pillar-index{font-size:1rem}.reason-symbol{width:44px;height:44px}.product-card{min-height:auto}.broker-cta-inner{grid-template-columns:1fr;gap:18px;padding:42px 0}.cta-symbol{border-right:0;border-bottom:2px solid var(--classic-gold);width:64px;height:64px;font-size:2.4rem}.page-hero-inner{padding:70px 0 82px}.page-hero h1{font-size:clamp(2.8rem,14vw,4.4rem)}.footer-bottom{flex-direction:column}.legal-footer-links{justify-content:flex-start}.legal-layout,.legal-group-grid{grid-template-columns:1fr}.legal-summary{position:static}}@media (prefers-reduced-motion:reduce){*,:before,:after{scroll-behavior:auto!important;transition-duration:.01ms!important;animation-duration:.01ms!important;animation-iteration-count:1!important}}