/* Shielded Life. Tokens and patterns follow the Shielded Group and Shielded Insurance sites. */
@font-face{font-family:Manrope;src:url('/assets/fonts/manrope.woff2') format('woff2');font-style:normal;font-weight:400 800;font-display:swap}

:root{--ink:#151515;--paper:#f4f4f1;--muted:#60605d;--line:#d6d6d1;--field:#cfcfca;--night:#090d14;--brand-blue:#1464b4;--link-blue-on-dark:#5aa6ed;--link-blue-on-dark-hover:#8ac2f7;--error:#b42318;--error-bg:#fdf0ef;--focus:var(--brand-blue)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:110px}
body{margin:0;font-family:Manrope,Arial,sans-serif;color:var(--ink);background:#fff;font-size:15px;line-height:1.7;-webkit-font-smoothing:antialiased}
h1,h2,h3,p,ul,ol,figure{margin:0}ul,ol{padding:0;list-style:none}
a{color:inherit;text-decoration:none}button{cursor:pointer;font:inherit;color:inherit;background:none;border:0;padding:0}
img{display:block;max-width:100%}
h1,h2,h3{font-weight:800;line-height:1.07;letter-spacing:-.055em}
h2{font-size:clamp(36px,4.2vw,62px)}h3{font-size:24px;letter-spacing:-.035em}
:focus-visible{outline:2px solid var(--focus);outline-offset:5px}
::selection{background:#ccc;color:#111}
[hidden]{display:none!important}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.hero,.cover-photo,.contact-section,.site-footer,.mobile-cta{--focus:var(--link-blue-on-dark)}

/* Shared components */
.shell{width:calc(100% - 112px);max-width:1350px;margin-inline:auto}
.section{padding:105px 0}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:16px 30px;font-size:14px;font-weight:700;line-height:1.5;border-radius:5px;transition:background .2s,color .2s,opacity .2s}
.button-dark{background:#161616;color:#fff}.button-dark:hover{background:#3b3b3b}
.button-white{background:#fff;color:#161616}.button-white:hover{background:#ddd}
.button-outline-light{color:#fff;box-shadow:inset 0 0 0 1px #ffffff59}.button-outline-light:hover{background:#ffffff14}
.button[disabled]{opacity:.65;cursor:progress}
.text-link{font-size:14px;font-weight:700;text-underline-offset:5px;display:inline-block}.text-link:hover{text-decoration:underline}
.inline-link{color:var(--ink);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.skip-link{position:fixed;top:-100px;left:20px;background:#fff;color:#111;padding:16px;z-index:2000}.skip-link:focus{top:12px}
.eyebrow{font-size:12px;font-weight:800;letter-spacing:.24em;text-transform:uppercase;color:#9a9a97;margin-bottom:26px}
.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:50px;margin-bottom:40px}
.section-heading p{font-size:16px;color:var(--muted);max-width:420px;line-height:1.8}

/* Header */
.site-header{position:sticky;top:0;z-index:1000;background:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:96px;gap:30px}
.brand{display:flex;align-items:center;flex:none}.brand img{width:auto;height:74px}
.desktop-nav{display:flex;align-items:center;gap:34px;font-size:14px;font-weight:700;margin-left:auto;margin-right:16px}
.desktop-nav a{padding:16px 0}.desktop-nav a:hover{color:#666}
.header-actions{display:flex;align-items:center;gap:24px}.header-actions .button{min-height:46px;padding:12px 25px;font-size:13px;white-space:nowrap}
.header-phone{font-size:15px;font-weight:800;letter-spacing:-.02em;white-space:nowrap;padding:10px 0}
.header-phone span{color:var(--muted);font-weight:700;letter-spacing:0;margin-right:4px}
.header-phone:hover{color:var(--brand-blue)}
.mobile-toggle{display:none}
.mobile-nav{padding:10px 25px 25px;background:#fff;border-top:1px solid #eee}.mobile-nav a{display:block;padding:13px 0;font-size:20px;font-weight:700}
.mobile-nav .mobile-nav-phone{color:var(--brand-blue)}

/* Hero with the quote form */
.hero{position:relative;isolation:isolate;margin:0 24px;background:#111;color:#fff;border-radius:10px;overflow:hidden}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;pointer-events:none;background:linear-gradient(90deg,#111 0%,#111111eb 28%,#111111a6 55%,#11111180 100%),linear-gradient(0deg,#111111b3 0%,#11111100 45%)}
.hero-image{position:absolute;inset:0;z-index:-2;overflow:hidden}
.hero-image img{width:100%;height:100%;object-fit:cover;object-position:62% center;filter:grayscale(1) brightness(1.55);transform:scale(1.04)}
.hero-inner{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,490px);gap:70px;align-items:center;width:calc(100% - 64px);max-width:1350px;min-height:720px;margin-inline:auto;padding:64px 0}
.hero-inner-single{grid-template-columns:minmax(0,820px);min-height:620px}
.hero-content{min-width:0}
.hero h1{font-size:clamp(58px,5.8vw,96px);line-height:.99;letter-spacing:-.065em}
.hero-line{display:block;white-space:nowrap;overflow:hidden;padding-bottom:.07em;margin-bottom:-.07em}.hero-line>span{display:block}
.hero-description{color:#c9c9c9;max-width:470px;font-size:17px;line-height:1.75;margin-top:28px;font-weight:500}
.hero-points{display:grid;gap:12px;margin-top:30px;font-size:15px;font-weight:700}
.hero-points li{display:flex;align-items:center;gap:12px}
.hero-points li::before{content:"";flex:none;width:24px;height:24px;border-radius:50%;background:#ffffff1f url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 12'%3E%3Cpath d='M2.5 6.3 5 8.7l4.6-5.2' fill='none' stroke='%235aa6ed' stroke-width='1.8' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/13px no-repeat}
.hero-call{margin-top:36px;font-size:14px;color:#a9a9a6;font-weight:600}
.hero-call a{display:block;margin-top:2px;font-size:30px;font-weight:800;letter-spacing:-.045em;color:#fff;line-height:1.3}
.hero-call a:hover{color:var(--link-blue-on-dark)}
.hero-buttons{display:flex;flex-wrap:wrap;gap:20px 28px;align-items:center;margin-top:34px}
.hero-link{font-size:14px;font-weight:700;color:var(--link-blue-on-dark)}.hero-link:hover{color:var(--link-blue-on-dark-hover);text-decoration:underline;text-underline-offset:5px}
.brand-strip{display:flex;justify-content:space-around;gap:30px;padding-block:30px;font-size:14px;font-weight:700}
.brand-strip a:hover{text-decoration:underline;text-underline-offset:5px}

/* Quote form */
.quote-card{position:relative;background:#fff;color:var(--ink);border-radius:8px;padding:34px 34px 30px;box-shadow:0 30px 70px -24px #000000a6;--focus:var(--brand-blue);scroll-margin-top:120px}
.quote-head{display:flex;align-items:baseline;justify-content:space-between;gap:16px;margin-bottom:18px}
.quote-head h2{font-size:31px;letter-spacing:-.05em}
.quote-progress{font-size:12px;font-weight:800;color:var(--muted);white-space:nowrap}
.quote-progress-bar{height:3px;margin:0 0 26px;background:var(--paper);border-radius:3px;overflow:hidden}
.quote-progress-bar span{display:block;width:50%;height:100%;background:var(--ink);transition:width .35s ease}
.quote-card:has(.is-step-2) .quote-progress-bar span{width:100%}
.quote-step{min-width:0;margin:0;padding:0;border:0}
.quote-step+.quote-step{margin-top:30px}
.quote-form.is-stepped .quote-step+.quote-step{margin-top:0}
.quote-form.is-stepped .quote-step:not(.is-active){display:none}
.quote-step-title{padding:0;margin-bottom:16px;font-size:12px;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--muted)}
.field-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;gap:7px;min-width:0;margin:0;padding:0;border:0}
.field-wide{grid-column:1/-1}
.field-label{padding:0;font-size:13px;font-weight:700;line-height:1.4}
.field input,.field select{width:100%;height:50px;padding:0 14px;font:inherit;font-size:15px;font-weight:600;color:var(--ink);background:#fff;border:1px solid var(--field);border-radius:5px;-webkit-appearance:none;appearance:none;transition:border-color .15s,box-shadow .15s}
.field select{padding-right:40px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 12 8'%3E%3Cpath d='m1 1.5 5 5 5-5' fill='none' stroke='%23151515' stroke-width='1.6' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") right 15px center/12px no-repeat}
.field select:invalid{color:#8a8a87}
.field select option{color:var(--ink)}
.field input:hover,.field select:hover{border-color:#9d9d98}
.field input:focus,.field select:focus{outline:0;border-color:var(--ink);box-shadow:0 0 0 3px #1464b42e}
.field input[aria-invalid=true],.field select[aria-invalid=true]{border-color:var(--error);box-shadow:0 0 0 3px #b4231822}
.field input[type=number]{-moz-appearance:textfield}
.field input::-webkit-outer-spin-button,.field input::-webkit-inner-spin-button{-webkit-appearance:none;margin:0}
.choice-group{display:grid;grid-template-columns:1fr 1fr;gap:8px}
.choice{position:relative;display:block}
.choice input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.choice span{display:flex;align-items:center;justify-content:center;height:50px;font-size:14px;font-weight:700;border:1px solid var(--field);border-radius:5px;transition:background .15s,border-color .15s,color .15s}
.choice input:hover+span{border-color:#9d9d98}
.choice input:checked+span{background:var(--ink);border-color:var(--ink);color:#fff}
.choice input:focus-visible+span{outline:2px solid var(--focus);outline-offset:3px}
.choice input[aria-invalid=true]+span{border-color:var(--error)}
.button-block{width:100%;margin-top:24px}
.quote-actions{display:flex;align-items:center;gap:18px;margin-top:22px}
.quote-submit{flex:1}
.text-button{padding:14px 4px;font-size:14px;font-weight:700;color:var(--muted)}.text-button:hover{color:var(--ink);text-decoration:underline;text-underline-offset:4px}
.form-consent{margin-top:18px;font-size:12px;line-height:1.65;color:var(--muted)}
.form-consent a{color:var(--ink);font-weight:700;text-decoration:underline;text-underline-offset:2px}
.form-status{margin-top:16px;font-size:14px;font-weight:600;line-height:1.6}
.form-status:empty{display:none}
.form-status.is-error{color:var(--error)}
.form-alert{margin-bottom:20px;padding:12px 14px;font-size:14px;font-weight:600;line-height:1.6;color:var(--error);background:var(--error-bg);border-radius:5px}
.form-honeypot{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.recaptcha-note{margin-top:14px;font-size:10px;color:#8a8a87}.recaptcha-note a{text-decoration:underline}
.grecaptcha-badge{visibility:hidden}

/* Covers */
.covers-section{padding-top:70px}
.cover-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));grid-template-areas:"life life tpd income" "life life trauma help";gap:20px}
#cover-life{grid-area:life}#cover-tpd{grid-area:tpd}#cover-income{grid-area:income}#cover-trauma{grid-area:trauma}.cover-help{grid-area:help}
.cover{position:relative;isolation:isolate;display:flex;flex-direction:column;justify-content:flex-end;min-width:0;min-height:340px;padding:30px;border-radius:8px;background:var(--paper);overflow:hidden;scroll-margin-top:120px;transition:transform .25s}
.cover:hover{transform:translateY(-4px)}
.cover h3{font-size:clamp(28px,2.3vw,36px);line-height:1.05;letter-spacing:-.05em}
.cover p{margin-top:12px;font-size:14px;line-height:1.75;color:var(--muted)}
.cover-link{display:inline-flex;align-items:center;gap:8px;margin-top:20px;font-size:14px;font-weight:800;text-underline-offset:5px}
.cover-link::after{content:"";position:absolute;inset:0;z-index:1}
.cover-link .arrow{transition:transform .25s}
.cover:hover .cover-link{text-decoration:underline}.cover:hover .cover-link .arrow{transform:translateX(4px)}
.cover-photo{background:#111;color:#fff}
.cover-media{position:absolute;inset:0;z-index:-2;background:#222}
.cover-media img{width:100%;height:100%;object-fit:cover;transition:transform .6s}
.cover-photo:hover .cover-media img{transform:scale(1.04)}
.cover-photo::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,#11111133 0%,#11111114 18%,#111111a6 40%,#111111e0 62%,#111111f5 90%)}
.cover-photo p{color:#d5d5d3}
.cover-photo .cover-link{color:var(--link-blue-on-dark)}
#cover-tpd .cover-media img{object-position:center top}
#cover-income .cover-media img{object-position:center 20%}
.cover-feature{min-height:620px;padding:40px}
.cover-feature .cover-media img{object-position:center 30%}
.cover-feature::before{background:linear-gradient(180deg,#11111166 0%,#11111100 30%,#111111c4 62%,#111 94%)}
.cover-feature h3{font-size:clamp(46px,4.8vw,72px)}
.cover-feature p{max-width:440px;font-size:15px}
.cover-help{background:#fff;box-shadow:inset 0 0 0 1px var(--line)}
.cover-help:hover{transform:none}
.cover-help p{margin-bottom:22px}
.cover-help .button{align-self:flex-start}

/* Group figures */
.credentials{background:var(--paper)}
.credentials-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center;padding:52px 0 18px}
.credentials-grid strong{display:block;font-weight:800;letter-spacing:-.055em;font-size:43px;line-height:1.2;font-variant-numeric:tabular-nums}
.credentials-grid p{font-size:13px;color:var(--muted);margin-top:8px}
.credentials-note{padding-bottom:34px;text-align:center;font-size:11px;color:#8a8a87}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-bottom:44px}
.steps li{padding-top:26px;border-top:2px solid var(--ink)}
.step-number{display:block;margin-bottom:46px;font-size:13px;font-weight:800;letter-spacing:.2em;color:var(--brand-blue)}
.steps h3{font-size:28px;letter-spacing:-.045em}
.steps p{max-width:360px;margin-top:12px;font-size:15px;line-height:1.8;color:var(--muted)}
.steps-section{padding-bottom:95px}

/* Why Shielded Life */
.why-section{padding-top:0}
.story-panel{display:grid;grid-template-columns:1fr 1fr;overflow:hidden;border-radius:8px;background:var(--paper)}
.story-copy{padding:52px 48px;align-self:center}
.story-copy .eyebrow{color:var(--muted)}
.story-copy h2{font-size:clamp(34px,3.6vw,52px);line-height:1.12;letter-spacing:-.045em;margin-bottom:26px}
.story-copy p:not(.eyebrow){font-size:15px;line-height:1.85;color:var(--muted);max-width:470px;margin-bottom:20px}
.story-copy .button{margin-top:7px}
.story-image{position:relative;min-height:560px;overflow:hidden;background:#242629;color:#fff}
.story-image img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:65% center;filter:grayscale(1) brightness(1.6);transition:transform .6s}
.story-image:hover img{transform:scale(1.025)}
.story-image::after{content:"";position:absolute;inset:55% 0 0;background:linear-gradient(transparent,#101318d9);pointer-events:none}
.story-image figcaption{position:absolute;left:36px;bottom:32px;z-index:1;font-size:18px;font-weight:700}

/* Talk to us */
.contact-section{background:#111;color:#fff}
.contact-section .section-heading p{color:#bbb}
.contact-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px}
.contact-card{display:flex;flex-direction:column;padding:30px 28px;background:#1f1f1f;border-radius:8px;transition:background .2s}
.contact-card:hover{background:#292929}
.contact-card h3{font-size:28px;line-height:1.12}.contact-card h3 span{display:block;color:#8a8a87}
.contact-card p{font-size:14px;color:#c5c5c5;line-height:1.75;margin:14px 0 26px}
.contact-actions{display:grid;justify-items:start;gap:6px;margin-top:auto}
.contact-phone{font-size:26px;font-weight:800;letter-spacing:-.04em;line-height:1.3}
a.contact-phone:hover{color:var(--link-blue-on-dark)}
.contact-card .text-link{font-size:13px;color:var(--link-blue-on-dark)}.contact-card .text-link:hover{color:var(--link-blue-on-dark-hover)}

/* Footer */
.site-footer{background:#111;color:#fff}
.footer-cta{display:flex;align-items:flex-end;justify-content:space-between;gap:30px;padding:75px 0 50px;border-top:1px solid #2a2a2a}
.footer-cta .eyebrow{margin-bottom:18px}
.footer-cta h2{font-size:clamp(36px,4vw,60px)}
.footer-cta-actions{display:flex;flex-wrap:wrap;align-items:center;gap:18px 28px}
.footer-phone{font-size:26px;font-weight:800;letter-spacing:-.04em}.footer-phone:hover{color:var(--link-blue-on-dark)}
.footer-main{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;padding:45px 0 60px}
.footer-brand img{width:112px;height:auto;filter:invert(1)}
.footer-brand p{margin:22px 0;font-size:12px;color:#aaa}
.footer-main h3{margin-bottom:22px;font-size:13px;font-weight:700;letter-spacing:0}
.footer-main>div:not(.footer-brand)>a{display:block;padding:5px 0;font-size:12px;color:#bbb}
.footer-main>div>a:hover{color:#fff;text-decoration:underline}
.footer-legal{padding-bottom:25px;font-size:11px;line-height:1.9;color:#999}.footer-legal>p{max-width:900px;margin-bottom:10px}
.footer-bottom{display:flex;justify-content:space-between;gap:20px;padding:18px 0 28px;font-size:11px;color:#999;border-top:1px solid #222}
.footer-bottom a:hover{color:#fff;text-decoration:underline}

/* Mobile call / quote bar */
.mobile-cta{display:none}

/* Responsive */
@media(min-width:1600px){.hero{max-width:1600px;margin-inline:auto}}
@media(max-width:1180px){
  .shell{width:calc(100% - 64px)}
  .desktop-nav{display:none}
  .mobile-toggle{display:flex;width:26px;height:42px;flex-direction:column;justify-content:center;gap:6px}
  .mobile-toggle span{width:24px;height:2px;background:#111;transition:transform .2s}
  .mobile-toggle[aria-expanded=true] span:first-child{transform:translateY(4px) rotate(45deg)}.mobile-toggle[aria-expanded=true] span:last-child{transform:translateY(-4px) rotate(-45deg)}
  .hero{margin:0 18px}.hero-inner{width:calc(100% - 28px);grid-template-columns:minmax(0,1fr) minmax(0,450px);gap:44px}
  .cover-grid{grid-template-columns:repeat(2,minmax(0,1fr));grid-template-areas:"life life" "tpd income" "trauma help"}
  .cover-feature{min-height:560px}
  .story-copy{padding:38px 32px}
  .footer-main{gap:25px}
}
@media(max-width:960px){
  .hero-inner,.hero-inner-single{grid-template-columns:minmax(0,1fr);gap:44px;min-height:0;padding:56px 0 28px}
  .hero::before{background:linear-gradient(180deg,#111111c7 0%,#111111eb 45%,#111 70%)}
  .hero-image img{object-position:58% top}
  .hero h1{font-size:clamp(50px,9vw,84px)}
  .hero-description{max-width:560px}
  .quote-card{max-width:620px}
  .hero-inner-single{padding-bottom:56px}
}
@media(max-width:800px){
  .shell{width:calc(100% - 44px)}.section{padding:75px 0}
  .header-inner{height:80px}.brand img{height:62px}
  .header-phone{display:none}
  .header-actions .button{font-size:12px;min-height:42px;padding:11px 20px}
  .hero{margin:0 12px}.hero-inner{width:calc(100% - 24px)}
  .brand-strip{flex-wrap:wrap;justify-content:center;gap:10px 26px;font-size:13px;padding-block:24px}
  .section-heading{display:block;margin-bottom:30px}.section-heading p{margin-top:16px;font-size:15px}
  .credentials-grid{grid-template-columns:repeat(2,1fr);gap:30px 20px;padding:40px 0 14px}.credentials-grid strong{font-size:35px}
  .steps{grid-template-columns:1fr;gap:34px}.step-number{margin-bottom:18px}
  .story-panel{grid-template-columns:1fr}.story-image{min-height:380px}
  .contact-grid{grid-template-columns:1fr}
  .footer-cta{flex-direction:column;align-items:flex-start}.footer-cta h2{font-size:40px}
  .footer-main{grid-template-columns:1fr 1fr 1fr}.footer-brand{grid-column:1/-1}
  .mobile-cta{position:fixed;left:12px;right:12px;bottom:12px;z-index:900;display:grid;grid-template-columns:1fr 1.4fr;gap:8px;padding:8px;background:#111;border-radius:10px;box-shadow:0 14px 34px -10px #000000b3;transition:transform .3s,opacity .3s}
  .mobile-cta .button{min-height:48px;padding:12px 16px}
  .mobile-cta.is-hidden{transform:translateY(140%);opacity:0;pointer-events:none}
  body:has(.mobile-cta){padding-bottom:84px}
}
@media(max-width:540px){
  .header-inner{height:72px;gap:12px}.brand img{height:54px}
  .header-actions{gap:16px}.header-actions .button{font-size:11px;padding:10px 14px;min-height:40px}
  .hero{margin:0 8px;border-radius:8px}.hero-inner{width:calc(100% - 16px);padding-top:44px}
  .hero-content{padding:0 12px}
  .hero h1{font-size:clamp(44px,13.4vw,64px)}
  .hero-description{font-size:15px}.hero-points{font-size:14px}
  .hero-call{display:none} /* the floating bar carries "Call us" on phones, so the form sits higher */
  .quote-card{padding:26px 20px 22px}.quote-head h2{font-size:26px}
  .brand-strip{display:grid;grid-template-columns:1fr 1fr;text-align:center;gap:10px}
  .section{padding:62px 0}.covers-section{padding-top:50px}
  .cover-grid{grid-template-columns:minmax(0,1fr);grid-template-areas:"life" "tpd" "income" "trauma" "help";gap:16px}
  .cover{min-height:0;padding:26px 22px}.cover-photo{min-height:360px}.cover-feature{min-height:520px}.cover-feature h3{font-size:46px}
  .credentials-grid strong{font-size:29px}.credentials-grid p{font-size:12px}
  .story-copy{padding:30px 24px}.story-copy h2{font-size:32px}.story-image{min-height:280px}.story-image figcaption{left:24px;bottom:22px;font-size:16px}
  .footer-cta h2{font-size:34px}.footer-main{grid-template-columns:1fr 1fr}.footer-main>div:last-child{grid-column:1/-1}
  .footer-bottom{flex-direction:column;gap:8px}
}
@media(max-width:380px){.field-grid{grid-template-columns:1fr}.header-actions .button{display:none}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.cover,.cover-media img,.story-image img,.cover-link .arrow,.quote-progress-bar span,.mobile-cta{transition:none}.cover:hover{transform:none}}