*,:after,:before{box-sizing:border-box;margin:0;padding:0}:root{--navy:#1a2e52;--navy-dark:#111f3a;--navy-mid:#1f3660;--blue:#2563a8;--blue-lt:#3a7bd5;--teal:#c41e3a;--teal-lt:#e11d48;--sky:#fef2f2;--sky-mid:#fecaca;--white:#fff;--off:#f6f8fb;--text:#1e293b;--muted:#3f4e63;--border:#e2e8f0;--border-md:#cbd5e1;--chat-bg:#fff;--chat-surface:#f5f6f8;--chat-surface-2:#ecedf1;--chat-border:#e2e5ec;--chat-blue:#4f8cff;--chat-blue-bright:#3d72e8;--chat-cyan:#0891b2;--chat-glow:rgba(79,140,255,.25);--chat-text:#1f2330;--chat-text-dim:#6b7280;--chat-user-grad:linear-gradient(135deg,#4f8cff,#38bdf8);--chat-accent-grad:linear-gradient(135deg,#4f8cff,#a78bfa)}body,html{overflow-x:hidden}body{background:var(--white);color:var(--text);font-family:Open Sans,Arial,sans-serif;font-size:16px;line-height:1.65}a{color:var(--blue-lt);text-decoration:none}a:hover{color:var(--navy);text-decoration:underline}.wrapper{background:var(--white);max-width:100%}.toplink{bottom:24px;left:24px;position:fixed;z-index:900}.toplink a{color:var(--teal);font-size:28px;opacity:.6;transition:opacity .2s}.toplink a:hover{opacity:1}.header{background:var(--white);border-bottom:3px solid var(--navy-dark);flex-wrap:wrap;gap:14px;justify-content:space-between;padding:14px 32px}.header,.logo a{align-items:center;display:flex}.logo a{cursor:pointer}.logo a,.logo a:hover{text-decoration:none}.logo-img{display:block;height:90px;width:auto}.header-right{align-items:flex-end;display:flex;flex-direction:column;gap:10px}.office-status{align-items:center;background:var(--off);border:1px solid var(--border);border-radius:999px;color:var(--text);display:inline-flex;font-family:Open Sans,sans-serif;font-size:15px;font-weight:600;gap:7px;padding:5px 11px 5px 10px;transition:background .2s,border-color .2s}.office-status:hover{background:var(--white);border-color:var(--border-md)}.status-dot{border-radius:50%;flex-shrink:0;height:8px;position:relative;width:8px}.status-dot.open{animation:statusPulse 2.4s ease-in-out infinite;background:#10b981;box-shadow:0 0 0 0 rgba(16,185,129,.7)}.status-dot.closed{background:#ef4444}@keyframes statusPulse{0%,to{box-shadow:0 0 0 0 rgba(16,185,129,.6)}50%{box-shadow:0 0 0 5px rgba(16,185,129,0)}}.status-text{line-height:1.2}.status-text strong{font-weight:700}.status-text .next{color:var(--muted);font-weight:500;margin-left:2px}.social{align-items:center;display:flex;gap:10px}.social a{font-size:22px;transition:opacity .2s}.social a:hover{opacity:.65;text-decoration:none}.fa-facebook-square{color:#3b5998}.fa-linkedin{color:#0077b5}.fa-x-twitter{color:#1da1f2}.fa-instagram{background:radial-gradient(circle at 33% 100%,#fed373 4%,#f15245 30%,#d92e7f 62%,#9b36b7 85%,#515ecf);-webkit-background-clip:text;-webkit-text-fill-color:transparent}.header-btns{display:flex;gap:8px}.btn-pay{background:var(--teal);border:none;color:var(--white);cursor:pointer;font-family:Open Sans,sans-serif;font-size:15px;font-weight:700;letter-spacing:.3px;padding:11px 20px;transition:background .15s}.btn-pay:hover{background:var(--teal-lt)}.btn-ask{align-items:center;background:var(--navy);border:none;color:var(--white);cursor:pointer;display:flex;font-family:Open Sans,sans-serif;font-size:15px;font-weight:700;gap:7px;letter-spacing:.3px;padding:11px 20px;transition:background .15s}.btn-ask:hover{background:var(--navy-mid)}nav.main-nav{background:var(--navy-dark)}nav.main-nav ul{display:flex;flex-wrap:wrap;list-style:none;margin:0 auto;max-width:1100px;padding:0}nav.main-nav ul li a{color:hsla(0,0%,100%,.72);cursor:pointer;display:block;font-family:Open Sans,sans-serif;font-size:14px;font-weight:700;letter-spacing:.5px;padding:14px 20px;text-decoration:none;text-transform:uppercase;transition:background .15s,color .15s}nav.main-nav ul li{position:relative}nav.main-nav ul li .nav-dropdown{background:var(--navy-dark);border-top:2px solid var(--teal);box-shadow:0 8px 24px rgba(0,0,0,.3);display:none;left:0;list-style:none;margin:0;min-width:220px;padding:6px 0;position:absolute;top:100%;z-index:1000}nav.main-nav ul li:hover .nav-dropdown{display:block}nav.main-nav ul li .nav-dropdown li a{border-bottom:none;color:hsla(0,0%,100%,.72);font-size:13px;font-weight:600;letter-spacing:.3px;padding:11px 20px;text-transform:none;white-space:nowrap}nav.main-nav ul li .nav-dropdown li a:hover,nav.main-nav ul li a:hover{background:hsla(0,0%,100%,.08);color:#fff}nav.main-nav ul li a.active{background:hsla(0,0%,100%,.1);border-bottom:3px solid var(--teal-lt);color:#fff}nav.main-nav ul li.portal-item{margin-left:0}nav.main-nav ul li.portal-item a{background:transparent;color:hsla(0,0%,100%,.72)}nav.main-nav ul li.portal-item a:hover{background:hsla(0,0%,100%,.08);color:#fff}.page{display:none}.page.active{display:block}.hero-block{display:grid;grid-template-columns:380px 1fr;min-height:480px}.hero-photo{background-position:top;background-size:cover;min-height:480px}.hero-photo.home{background-image:url(https://51525009.fs1.hubspotusercontent-na1.net/hubfs/51525009/raw_assets/public/spriska-theme/images/cafe.jpg)}.hero-photo.products-img{background-image:url(https://51525009.fs1.hubspotusercontent-na1.net/hubfs/51525009/raw_assets/public/spriska-theme/images/painter.jpg)}.hero-photo.brokerage-img{background-image:url(https://51525009.fs1.hubspotusercontent-na1.net/hubfs/51525009/raw_assets/public/spriska-theme/images/brokerage.jpg)}.hero-carousel{min-height:480px;overflow:hidden;position:relative}.hero-carousel:after{background:linear-gradient(180deg,transparent 0,rgba(17,31,58,.65) 70%,rgba(17,31,58,.85));bottom:0;content:"";height:45%;left:0;pointer-events:none;position:absolute;right:0;z-index:1}.carousel-slide{background-position:50%;background-size:cover;inset:0;opacity:0;position:absolute;transform:scale(1);transition:opacity 1s ease-in-out}.carousel-slide.active{animation:kenBurns 12s ease-out forwards;opacity:1}@keyframes kenBurns{0%{transform:scale(1)}to{transform:scale(1.08)}}.carousel-caption{color:#fff;left:20px;letter-spacing:1.5px;right:80px;text-align:left;text-shadow:0 1px 8px rgba(0,0,0,.8);text-transform:uppercase}.carousel-caption,.carousel-counter{bottom:20px;font-size:15px;font-weight:700;position:absolute;z-index:3}.carousel-counter{color:hsla(0,0%,100%,.75);font-family:Space Grotesk,sans-serif;letter-spacing:1px;right:20px;text-shadow:0 1px 4px rgba(0,0,0,.6)}.carousel-counter .current{color:#fff}.carousel-counter .divider{margin:0 3px;opacity:.5}.carousel-dots{bottom:56px;display:flex;gap:4px;left:20px;position:absolute;right:20px;z-index:3}.carousel-dot{background:hsla(0,0%,100%,.25);border:none;border-radius:2px;cursor:pointer;flex:1;height:3px;overflow:hidden;padding:0;position:relative;transition:background .2s}.carousel-dot:hover{background:hsla(0,0%,100%,.4)}.carousel-dot.active:after{animation:progressFill 4s linear forwards;background:linear-gradient(90deg,var(--teal-lt),#ef4d68);content:"";inset:0;position:absolute;transform-origin:left}@keyframes progressFill{0%{transform:scaleX(0)}to{transform:scaleX(1)}}.hero-panel{background:radial-gradient(circle at 85% 15%,rgba(225,29,72,.14) 0,transparent 50%),radial-gradient(circle at 15% 85%,rgba(37,99,168,.18) 0,transparent 55%),linear-gradient(135deg,var(--navy) 0,#16284a 100%);display:flex;flex-direction:column;gap:20px;justify-content:center;overflow:hidden;padding:48px 44px;position:relative}.hero-panel:before{background:radial-gradient(circle,rgba(225,29,72,.1) 0,transparent 70%);content:"";filter:blur(20px);height:180px;pointer-events:none;position:absolute;right:0;top:0;width:180px}.hero-panel>*{position:relative;z-index:1}.hero-eyebrow{color:var(--teal-lt);font-size:15px;font-weight:700;letter-spacing:2.5px;margin-bottom:6px;text-transform:uppercase}.hero-h1{color:#fff;font-family:Vollkorn,serif;font-size:26px;font-weight:700;line-height:1.2;margin-bottom:4px}.hero-tagline{color:hsla(0,0%,100%,.7);font-size:15px;font-style:italic;line-height:1.55;margin-bottom:4px;max-width:460px}#page-home .hero-panel{gap:26px;padding:56px 52px}#page-home .hero-eyebrow{font-size:18px;letter-spacing:3px;margin-bottom:12px}#page-home .hero-h1{font-size:46px;line-height:1.1;margin-bottom:12px}#page-home .hero-tagline{font-size:20px;line-height:1.6;max-width:560px}.hero-title{color:#fff;font-family:Vollkorn,serif;font-size:24px;font-weight:700;line-height:1.2}.hero-sub{color:hsla(0,0%,100%,.6);font-size:15px;line-height:1.7;max-width:380px}#page-products .hero-panel{gap:26px;padding:56px 52px}#page-products .hero-eyebrow{font-size:18px;letter-spacing:3px;margin-bottom:12px}#page-products .hero-title{font-size:46px;letter-spacing:-.5px;line-height:1.1;margin-bottom:14px}#page-products .hero-sub{font-size:20px;line-height:1.6;max-width:560px}@media(max-width:800px){#page-products .hero-eyebrow{font-size:16px}#page-products .hero-title{font-size:40px}#page-products .hero-sub{font-size:18px}}.cred-grid{display:grid;gap:12px;grid-template-columns:1fr 1fr;margin-top:6px}.cred-item{background:hsla(0,0%,100%,.06);border:1px solid hsla(0,0%,100%,.1);border-left:2px solid var(--teal-lt);border-radius:4px;display:flex;flex-direction:column;gap:5px;padding:16px;transition:background .2s,border-color .2s,transform .2s}.cred-item:hover{background:hsla(0,0%,100%,.1);border-left-color:#ef4d68;transform:translateY(-1px)}.cred-label{color:hsla(0,0%,100%,.5);letter-spacing:1.2px;text-transform:uppercase}.cred-label,.cred-value{font-size:15px;font-weight:700}.cred-value{color:#fff;font-family:Space Grotesk,sans-serif;line-height:1.2}.cred-value.cred-grade{font-size:26px;letter-spacing:-.5px}.cred-grade-note{color:hsla(0,0%,100%,.6);font-size:14px;font-weight:600;letter-spacing:.3px;margin-left:2px}.cred-value.counter{background:linear-gradient(135deg,#fff,#fecdd3);-webkit-background-clip:text;background-clip:text;font-size:22px;letter-spacing:-.5px;-webkit-text-fill-color:transparent}.cred-sub{color:hsla(0,0%,100%,.55);font-size:15px;line-height:1.3}.cred-states{align-items:center;display:flex;flex-wrap:wrap;gap:6px 14px;line-height:1.4}.state-chip{align-items:center;display:inline-flex;gap:5px;white-space:nowrap}.state-svg{fill:currentColor;height:1.35em;max-width:1.6em;opacity:.9;vertical-align:middle;width:auto}.cred-badge-row{align-items:center;display:flex;flex-wrap:wrap;gap:16px;margin-top:8px}.cred-badge-row a{align-items:center;background:hsla(0,0%,100%,.06);border:1px solid hsla(0,0%,100%,.12);border-radius:4px;display:inline-flex;justify-content:center;min-height:44px;min-width:90px;padding:6px 12px;transition:background .15s,border-color .15s}.cred-badge-row a:hover{background:hsla(0,0%,100%,.12);border-color:hsla(0,0%,100%,.22)}.cred-badge-row img{display:block;filter:brightness(0) invert(1);height:32px;max-width:120px;opacity:.95;width:auto}.cred-badge-text{display:flex;flex-direction:column;font-family:Open Sans,sans-serif;gap:1px;line-height:1.15;padding:2px 4px}.cred-badge-text .top{color:hsla(0,0%,100%,.55);font-size:14px;font-weight:700;letter-spacing:1.4px;text-transform:uppercase}.cred-badge-text .bottom{color:#fff;font-size:15px;font-weight:700;letter-spacing:.2px}.cred-portal-link{align-items:center;background:var(--teal);border:none;color:#fff;cursor:pointer;display:inline-flex;font-size:14px;font-weight:700;gap:7px;letter-spacing:.3px;margin-top:4px;padding:9px 18px;text-decoration:none;transition:background .15s;width:fit-content}.cred-portal-link:hover{background:var(--teal-lt);color:#fff;text-decoration:none}.info-strip{background:var(--off);display:grid;grid-template-columns:repeat(4,1fr)}.info-item{align-items:flex-start;display:flex;gap:11px;padding:18px;position:relative}.info-item:not(:last-child):after{background:var(--border);bottom:22%;content:"";position:absolute;right:0;top:22%;width:1px}.info-icon{align-items:center;background:var(--white);border:1px solid var(--border);border-radius:50%;color:var(--teal);display:flex;flex-shrink:0;font-size:14px;height:32px;justify-content:center;transition:border-color .2s,color .2s;width:32px}.info-item:hover .info-icon{border-color:var(--teal-lt);color:var(--teal-lt)}.info-label{color:var(--muted);font-size:14px;font-weight:700;letter-spacing:1px;margin-bottom:3px;text-transform:uppercase}.info-val{color:var(--text);font-size:15px;font-weight:500;line-height:1.45}.info-val a{color:var(--blue-lt)}.info-val a:hover{color:var(--navy)}main{background:var(--white);padding:48px 40px}.content-section{margin:0 auto;max-width:880px}.section-title{align-items:center;color:var(--navy);display:flex;font-size:15px;font-weight:700;gap:14px;letter-spacing:2px;margin-bottom:24px;text-transform:uppercase}.section-title:after{background:linear-gradient(to right,var(--teal),transparent);content:"";flex:1;height:2px}#page-applications .section-title{font-size:30px;justify-content:center;margin-bottom:28px;text-align:center}#page-applications .section-title:before{background:linear-gradient(to left,var(--teal),transparent);content:"";flex:1;height:2px}#page-applications .section-title:after{background:linear-gradient(to right,var(--teal),transparent)}.portal-note{background:var(--sky);border-left:4px solid var(--teal);border-radius:0 4px 4px 0;color:var(--text);font-size:16px;line-height:1.8;margin-bottom:36px;padding:20px 24px}.portal-note a{color:var(--blue);font-weight:700}hr.divider{border:none;border-top:1px solid var(--border);margin:40px 0}.contact-grid{display:grid;gap:14px;grid-template-columns:repeat(3,1fr);margin-bottom:14px}.cc{background:var(--off);border:1px solid var(--border);border-radius:0 0 4px 4px;border-top:3px solid var(--teal);padding:18px 16px}.cc-label{color:var(--teal);font-size:14px;font-weight:700;letter-spacing:1px;margin-bottom:7px;text-transform:uppercase}.cc-body{color:var(--text);font-size:15px;line-height:1.75}.cc-body a{color:var(--blue-lt)}.cc-body a:hover{color:var(--navy)}.products-grid{align-items:stretch;display:grid;gap:18px;grid-template-columns:repeat(4,1fr)}.product-cat{background:var(--white);border:1px solid var(--border);border-radius:6px;box-shadow:0 1px 3px rgba(26,46,82,.05);display:flex;flex-direction:column;overflow:hidden}.product-cat h6{background:var(--navy);border-bottom:2px solid var(--teal);color:hsla(0,0%,100%,.9);font-family:Open Sans,sans-serif;font-size:14px;font-weight:700;letter-spacing:.7px;padding:11px 16px;text-transform:uppercase}.product-cat ul{background:var(--white);flex:1 1 auto;list-style:none;padding:10px 16px 14px}.product-cat ul li{border-bottom:1px dotted var(--border);color:#444;font-size:15px;padding:5px 0 5px 15px;position:relative}.product-cat ul li:before{color:var(--teal);content:"\203A";font-size:15px;font-weight:700;left:0;line-height:1.3;position:absolute}.product-cat ul li:last-child{border-bottom:none}.brokerage-content h3.brokerage-heading{border-bottom:2px solid var(--teal);color:var(--navy);display:inline-block;font-size:15px;font-weight:700;letter-spacing:1.5px;margin:28px 0 14px;padding-bottom:8px;text-transform:uppercase}.brokerage-content p{color:#444;font-size:16px;line-height:1.8;margin-bottom:14px}.brokerage-logo{background:#fff;border:1px solid var(--border);border-radius:3px;float:right;margin:0 0 16px 24px;max-width:200px;padding:6px}.resource-list{list-style:none;margin-bottom:14px;padding:0}.resource-list li{border-bottom:1px solid var(--border);font-size:16px;padding:8px 0}.resource-list li:last-child{border-bottom:none}.resource-list li:before{color:var(--teal);content:"\BB\20";font-weight:700}.capabilities-grid{display:grid;gap:6px;grid-template-columns:repeat(3,1fr);list-style:none;margin-bottom:8px}.capabilities-grid li{background:var(--off);border-left:3px solid var(--teal);font-size:15px;padding:9px 12px}.supplemental-apps{display:grid;gap:6px;grid-template-columns:repeat(2,1fr);margin-top:10px}.supplemental-apps a{align-items:center;background:var(--off);border:1px solid var(--border);border-left:3px solid var(--blue-lt);color:var(--blue-lt);display:flex;font-size:15px;gap:10px;padding:10px 14px;transition:background .15s}.supplemental-apps a:hover{background:var(--sky);text-decoration:none}.supplemental-apps a i{color:var(--blue);font-size:16px}.news-content{max-width:780px}.news-list{display:flex;flex-direction:column;gap:4px}.news-item{align-items:flex-start;background:var(--off);border-bottom:1px solid var(--border);border-left:4px solid var(--teal);display:flex;gap:16px;padding:15px 18px;transition:background .15s}.news-item:hover{background:var(--sky)}.news-date{color:var(--teal);flex-shrink:0;font-size:14px;font-weight:700;letter-spacing:.7px;margin-top:3px;text-transform:uppercase;white-space:nowrap;width:72px}.news-body h3{font-size:17px;margin-bottom:4px}.news-body h3 a{color:var(--navy);font-weight:700}.news-body h3 a:hover{color:var(--teal);text-decoration:none}.news-excerpt{color:var(--muted);font-size:15px}.pagination{display:flex;flex-wrap:wrap;gap:4px;justify-content:center;margin:32px 0 8px}.page-numbers{background:var(--white);border:1px solid var(--border-md);border-radius:3px;color:var(--text);display:inline-block;font-size:15px;font-weight:700;padding:7px 13px;text-decoration:none;transition:all .15s}.page-numbers.current,.page-numbers:hover{background:var(--navy);border-color:var(--navy);color:#fff}.page-numbers.dots{background:transparent;border:none}footer.footer{background:linear-gradient(180deg,var(--navy-dark) 0,#0d1729 100%);padding:30px 32px 22px}.foot-float{align-items:center;display:flex;gap:14px;margin:0 auto;max-width:1100px;position:relative}.foot-float,.foot-nav ul{justify-content:center}.foot-badges{position:absolute;right:0;top:50%;transform:translateY(-50%)}@media(max-width:900px){.foot-float{flex-direction:column}.foot-badges{position:static;transform:none}}.foot-nav ul{display:flex;flex-wrap:wrap;gap:2px;list-style:none;padding:0}.foot-nav ul li a{color:hsla(0,0%,100%,.45);cursor:pointer;font-size:14px;letter-spacing:.3px;padding:4px 10px;transition:color .15s}.foot-nav ul li a:hover{color:#fff;text-decoration:none}.foot-badges{align-items:center;display:flex;gap:14px}.foot-badges img{filter:brightness(0) invert(1);height:44px;opacity:.5;transition:opacity .2s;width:auto}.foot-badges img:hover{opacity:.9}.foot-badges img.demotech-badge{border-radius:6px;cursor:default;filter:none;opacity:.92}.foot-badge-text{display:flex;flex-direction:column;gap:1px;line-height:1.15;opacity:.55;padding:6px 10px;transition:opacity .2s}.foot-badge-text:hover{opacity:.95}.foot-badge-text .top{color:hsla(0,0%,100%,.65);font-size:14px;font-weight:700;letter-spacing:1.3px;text-transform:uppercase}.foot-badge-text .bottom{color:#fff;font-size:15px;font-weight:700}.copyright{background:#07101e;color:#3a4d6e;font-size:15px;letter-spacing:.3px;padding:14px 20px;text-align:center}#overlay{background:rgba(0,0,0,.75);cursor:pointer;display:none;height:100%;left:0;position:fixed;top:0;width:100%;z-index:9999999}.form-popup{background:var(--white);border-top:4px solid var(--teal);box-shadow:0 20px 50px rgba(0,0,0,.2);cursor:default;margin:10% auto;max-width:90%;padding:28px 24px;position:relative;width:440px}.form-popup h1{color:var(--navy);font-family:Open Sans,sans-serif;font-size:22px;font-weight:700;margin-bottom:14px}.paragraph{background:var(--off);border:1px solid var(--border);border-radius:3px;color:var(--text);font-size:14px;line-height:1.65;margin-bottom:20px;padding:14px}.form-container{text-align:center}.btn{background:var(--teal);border:none;border-radius:3px;color:#fff;cursor:pointer;display:inline-block;font-family:Open Sans,sans-serif;font-size:14px;font-weight:700;margin:6px;padding:12px 28px;transition:background .15s}.btn,.btn:hover{text-decoration:none}.btn:hover{background:var(--teal-lt)}.btn.cancel{background:#64748b}.btn.cancel:hover{background:#475569}.mission-section{background:var(--white);border-bottom:1px solid var(--border);padding:48px 40px}.mission-inner{background:linear-gradient(135deg,var(--off) 0,var(--sky) 100%);border-left:4px solid var(--teal);border-radius:0 6px 6px 0;margin:0 auto;max-width:880px;padding:36px 44px;position:relative;text-align:center}.mission-eyebrow{color:var(--teal);font-size:14px;font-weight:700;letter-spacing:2.5px;margin-bottom:16px;text-transform:uppercase}.mission-quote{color:var(--navy);font-family:Vollkorn,serif;font-size:19px;font-style:italic;line-height:1.65;margin:0 auto;max-width:720px}.mission-quote:before{content:"\201C";margin-right:4px;top:18px}.mission-quote:after,.mission-quote:before{color:var(--teal);font-size:56px;line-height:0;opacity:.35;position:relative}.mission-quote:after{content:"\201D";margin-left:2px;top:22px}@media(max-width:800px){.mission-section{padding:32px 20px}.mission-inner{padding:28px 22px}.mission-quote{font-size:16px}}.action-strip{background:linear-gradient(180deg,var(--navy) 0,var(--navy-dark) 100%);margin-bottom:0;padding:38px 40px 30px;text-align:center}.action-strip-heading{color:#fff;font-family:Open Sans,sans-serif;font-size:20px;font-weight:700;letter-spacing:.2px;margin-bottom:22px}.action-strip-heading:before{background:var(--teal-lt);border-radius:1px;content:"";display:block;height:2px;margin:0 auto 12px;width:36px}.action-tiles{align-items:stretch;display:flex;gap:0;justify-content:center;margin:0 auto 16px;max-width:820px}.action-tile{align-items:center;border-right:1px solid hsla(0,0%,100%,.2);color:#fff;cursor:pointer;display:flex;flex:1;flex-direction:column;gap:8px;padding:10px 16px 12px;position:relative;text-decoration:none;transition:background .25s ease,transform .25s ease,box-shadow .25s ease}.action-tile:last-child{border-right:none}.action-tile:hover{background:hsla(0,0%,100%,.14);box-shadow:0 8px 24px rgba(0,0,0,.18);color:#fff;text-decoration:none;transform:translateY(-3px);z-index:1}.action-tile:active{transform:translateY(-1px)}.action-tile i{color:var(--teal-lt);font-size:26px;line-height:1;transition:transform .25s ease,color .25s ease,text-shadow .25s ease}.action-tile:hover i{color:#ef4d68;text-shadow:0 0 14px rgba(34,211,238,.55);transform:scale(1.18)}.action-tile-label{color:#fff;font-size:14px;font-weight:600;letter-spacing:.2px;line-height:1.3;transition:letter-spacing .25s ease}.action-tile:hover .action-tile-label{letter-spacing:.6px}.action-strip-phone{color:hsla(0,0%,100%,.85);font-size:14px;margin-top:4px}.action-strip-phone a{color:#fff;font-size:15px;font-weight:700}.action-strip-phone a:hover{text-decoration:underline}@media(max-width:600px){.action-tiles{flex-wrap:wrap}.action-tile{border-bottom:1px solid hsla(0,0%,100%,.15);border-right:none;flex:0 0 50%}.action-strip{padding:36px 20px 28px}.action-strip-heading{font-size:20px}}.app-section-label{align-items:center;color:var(--navy);display:flex;font-size:24px;font-weight:700;gap:14px;letter-spacing:1.5px;margin:40px 0 14px;text-transform:uppercase}.app-section-label:after{background:var(--border);content:"";flex:1;height:1px}.app-section-label:first-child{margin-top:8px}.app-cat{display:block}summary.app-section-label{cursor:pointer;list-style:none;user-select:none}summary.app-section-label::-webkit-details-marker{display:none}summary.app-section-label::marker{content:""}.app-cat-chev{color:var(--teal);flex-shrink:0;font-size:18px;margin-left:4px;transition:transform .25s ease}.app-cat[open]>summary .app-cat-chev{transform:rotate(180deg)}summary.app-section-label:hover{color:var(--teal)}.app-grid{display:grid;gap:10px;grid-template-columns:1fr 1fr}.app-card{align-items:center;background:var(--white);border:1px solid var(--border);border-left:3px solid var(--teal);border-radius:6px;display:flex;gap:14px;padding:16px 18px;text-decoration:none;transition:box-shadow .2s,border-left-color .2s}.app-card:hover{border-left-color:var(--teal-lt);box-shadow:0 4px 18px rgba(0,0,0,.08);text-decoration:none}.app-card.full{grid-column:1/-1}.app-icon{align-items:center;background:var(--sky);border-radius:8px;color:var(--teal);display:flex;flex-shrink:0;font-size:22px;height:46px;justify-content:center;width:46px}.app-icon.word{background:#dbeafe;color:#1d4ed8}.app-info{flex:1;min-width:0}.app-title{color:var(--navy);font-size:15px;font-weight:700;line-height:1.3;margin-bottom:6px}.app-meta{align-items:center;display:flex;flex-wrap:wrap;gap:8px}.app-badge{border-radius:3px;font-size:11px;font-weight:700;letter-spacing:.5px;padding:2px 8px;text-transform:uppercase}.app-badge.required{background:var(--teal);color:#fff}.app-badge.carrier{background:#dbeafe;color:#1e40af}.app-badge.specific{background:#f0fdf4;border:1px solid #bbf7d0;color:#166534}.app-badge.general{background:var(--off);border:1px solid var(--border);color:var(--muted)}.app-detail,.app-download{color:var(--muted);font-size:13px}.app-download{align-items:center;border:1px solid var(--border-md);border-radius:50%;display:flex;flex-shrink:0;height:34px;justify-content:center;transition:all .2s;width:34px}.app-card:hover .app-download{background:var(--teal);border-color:var(--teal);color:#fff}@media(max-width:700px){.app-grid{grid-template-columns:1fr}.app-card.full{grid-column:1}}.pdf-embed-wrap{background:var(--off);border:1px solid var(--border);border-radius:0 0 6px 6px;border-top:3px solid var(--teal);box-shadow:0 4px 18px rgba(0,0,0,.08);overflow:hidden}.pdf-embed-wrap iframe{border:0;display:block;height:80vh;min-height:600px;width:100%}.pdf-embed-bar{align-items:center;background:var(--off);border-bottom:1px solid var(--border);color:var(--muted);display:flex;flex-wrap:wrap;font-size:14px;gap:10px;justify-content:space-between;padding:12px 18px}.pdf-embed-bar .cred-portal-link{margin:0}#chat-overlay{align-items:center;animation:fadeIn .25s ease;backdrop-filter:blur(8px);background:rgba(10,18,35,.5);display:none;inset:0;justify-content:center;padding:16px;position:fixed;z-index:10000}#chat-overlay.open{display:flex}@keyframes fadeIn{0%{opacity:0}to{opacity:1}}#chat-modal{animation:modalSlide .35s cubic-bezier(.34,1.56,.64,1);background:var(--chat-bg);border-radius:28px;box-shadow:0 30px 80px rgba(0,0,0,.25),0 0 0 1px var(--chat-border);color:var(--chat-text);display:flex;flex-direction:column;font-family:Space Grotesk,Open Sans,sans-serif;height:680px;max-height:calc(100vh - 32px);max-width:100%;overflow:hidden;position:relative;width:440px}@keyframes modalSlide{0%{opacity:0;transform:translateY(40px) scale(.94)}to{opacity:1;transform:translateY(0) scale(1)}}#chat-modal:before{background:radial-gradient(circle,rgba(79,140,255,.08) 0,transparent 70%);filter:blur(30px);height:280px;right:-100px;top:-100px;width:280px}#chat-modal:after,#chat-modal:before{content:"";pointer-events:none;position:absolute;z-index:0}#chat-modal:after{background:radial-gradient(circle,rgba(167,139,250,.06) 0,transparent 70%);bottom:100px;filter:blur(40px);height:240px;left:-100px;width:240px}.cm-header{flex-shrink:0;padding:24px 24px 12px;position:relative;z-index:2}.cm-header-top{justify-content:space-between;margin-bottom:18px}.cm-brand,.cm-header-top{align-items:center;display:flex}.cm-brand{gap:12px}.cm-avatar{align-items:center;background:var(--chat-accent-grad);border-radius:12px;box-shadow:0 4px 16px var(--chat-glow);color:#fff;display:flex;flex-shrink:0;font-family:Space Grotesk,sans-serif;font-size:19px;font-weight:700;height:40px;justify-content:center;position:relative;width:40px}.cm-avatar:after{animation:pulse-online 2s ease-in-out infinite;background:#10b981;border:2px solid var(--chat-bg);border-radius:50%;bottom:-2px;content:"";height:11px;position:absolute;right:-2px;width:11px}@keyframes pulse-online{0%,to{box-shadow:0 0 0 0 rgba(16,185,129,.7)}50%{box-shadow:0 0 0 6px rgba(16,185,129,0)}}.cm-brand-text strong{color:var(--chat-text);display:block;font-family:Space Grotesk,sans-serif;font-size:16px;font-weight:700;letter-spacing:.2px;line-height:1.2}.cm-brand-text span{align-items:center;color:var(--chat-text-dim);display:flex;font-size:11.5px;font-weight:500;gap:5px;margin-top:3px}.cm-brand-text span:before{background:#10b981;border-radius:50%;content:"";height:6px;width:6px}.cm-close{align-items:center;background:transparent;border:none;border-radius:10px;color:var(--chat-text-dim);cursor:pointer;display:flex;font-size:14px;height:32px;justify-content:center;transition:all .2s;width:32px}.cm-close:hover{background:rgba(0,0,0,.05);color:var(--chat-text)}.cm-header-controls{align-items:center;display:flex;gap:8px}.cm-lang-toggle{background:rgba(0,0,0,.04);border:1px solid var(--chat-border);border-radius:9px;display:flex;gap:1px;padding:2px}.cm-lang-btn{background:transparent;border:none;border-radius:7px;color:var(--chat-text-dim);cursor:pointer;font-family:Space Grotesk,sans-serif;font-size:10.5px;font-weight:700;letter-spacing:.4px;padding:5px 9px;transition:all .2s}.cm-lang-btn:hover{background:rgba(0,0,0,.03);color:var(--chat-text)}.cm-lang-btn.active{background:var(--chat-accent-grad);box-shadow:0 2px 6px var(--chat-glow);color:#fff}.cm-tabs{background:rgba(0,0,0,.04);border:1px solid var(--chat-border);border-radius:12px;display:flex;gap:4px;padding:3px}.cm-tab{background:transparent;border:none;border-radius:9px;color:var(--chat-text-dim);cursor:pointer;flex:1;font-family:Space Grotesk,sans-serif;font-size:11.5px;font-weight:600;letter-spacing:.2px;padding:8px 10px;transition:all .25s}.cm-tab.active{background:var(--chat-accent-grad);box-shadow:0 3px 10px var(--chat-glow);color:#fff}.cm-tab:not(.active):hover{background:rgba(0,0,0,.03);color:var(--chat-text)}.cm-messages{display:flex;flex:1;flex-direction:column;gap:14px;overflow-y:auto;padding:16px 20px;position:relative;z-index:2}.cm-messages::-webkit-scrollbar{width:6px}.cm-messages::-webkit-scrollbar-thumb{background:var(--chat-border);border-radius:3px}.cm-msg{animation:msgIn .3s ease;display:flex;flex-direction:column;max-width:92%}@keyframes msgIn{0%{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.cm-msg.bot{align-self:flex-start}.cm-msg.user{align-self:flex-end;max-width:85%}.cm-bubble{border-radius:18px;font-family:Open Sans,sans-serif;font-size:14px;line-height:1.55;padding:12px 16px}.cm-msg.bot .cm-bubble{background:var(--chat-surface);border:1px solid var(--chat-border);border-bottom-left-radius:6px;box-shadow:0 2px 6px rgba(0,0,0,.04);color:var(--chat-text)}.cm-bubble strong{color:var(--chat-blue-bright);font-weight:700}.cm-msg.user .cm-bubble strong{color:#fff}.cm-bubble em{color:var(--chat-cyan);font-style:italic}.cm-bubble a{color:var(--chat-blue-bright);font-weight:600;text-decoration:underline;text-decoration-color:rgba(61,114,232,.4);text-underline-offset:3px;transition:all .2s}.cm-bubble a:hover{color:var(--chat-cyan);text-decoration-color:var(--chat-cyan)}.cm-msg.user .cm-bubble a{color:#fff;text-decoration-color:hsla(0,0%,100%,.7)}.cm-msg.user .cm-bubble a:hover{text-decoration-color:#fff}.cm-msg.user .cm-bubble{background:var(--chat-user-grad);border-bottom-right-radius:6px;box-shadow:0 4px 14px var(--chat-glow);color:#fff}.cm-time{color:var(--chat-text-dim);font-size:10px;margin-top:6px;opacity:.7;padding:0 6px}.cm-msg.user .cm-time{text-align:right}.cm-contact-card{background:linear-gradient(135deg,#fff,#f8f9fc);border:1px solid var(--chat-border);border-radius:16px;box-shadow:0 4px 16px rgba(0,0,0,.06);margin-top:8px;overflow:hidden;padding:16px;position:relative}.cm-contact-card:before{background:var(--chat-accent-grad);content:"";height:3px;left:0;position:absolute;right:0;top:0}.cm-contact-card .contact-header{align-items:center;color:var(--chat-blue-bright);display:flex;font-family:Space Grotesk,sans-serif;font-size:11px;font-weight:700;gap:8px;letter-spacing:1.5px;margin-bottom:14px;text-transform:uppercase}.cm-contact-card .contact-header i{align-items:center;background:var(--chat-accent-grad);border-radius:8px;color:#fff;display:flex;font-size:11px;height:24px;justify-content:center;width:24px}.cm-contact-card .team-section-label{align-items:center;border-bottom:1px solid var(--chat-border);color:var(--chat-cyan);display:flex;font-family:Space Grotesk,sans-serif;font-size:10px;font-weight:700;gap:6px;letter-spacing:1.5px;margin:14px 0 8px;padding-bottom:4px;text-transform:uppercase}.cm-contact-card .team-section-label:first-of-type{margin-top:0}.cm-contact-card .team-section-label .team-count{color:var(--chat-text-dim);font-size:10px;font-weight:500;letter-spacing:.5px;margin-left:auto}.cm-contact-card .contact-person{background:#fff;border:1px solid var(--chat-border);border-radius:12px;margin-bottom:8px;padding:12px;transition:all .2s}.cm-contact-card .contact-person:hover{background:rgba(79,140,255,.04);border-color:var(--chat-blue);transform:translateY(-1px)}.cm-contact-card .contact-person:last-of-type{margin-bottom:0}.cm-contact-card .person-name{color:var(--chat-text);font-family:Space Grotesk,sans-serif;font-size:15px;font-weight:700;margin-bottom:2px}.cm-contact-card .person-title{color:var(--chat-text-dim);font-size:12px;margin-bottom:10px}.cm-contact-card .person-details{display:flex;flex-direction:column;font-size:13px;gap:6px}.cm-contact-card .person-details a{align-items:center;background:rgba(79,140,255,.06);border-radius:8px;color:var(--chat-blue-bright);display:flex;font-weight:500;gap:8px;padding:6px 10px;text-decoration:none;transition:all .2s}.cm-contact-card .person-details a:hover{background:rgba(79,140,255,.12);color:var(--chat-blue-bright);text-decoration:none}.cm-contact-card .person-details a i{color:var(--chat-cyan);width:14px}.cm-typing{align-items:center;background:var(--chat-surface);border:1px solid var(--chat-border);border-radius:18px;border-bottom-left-radius:6px;box-shadow:0 2px 6px rgba(0,0,0,.04);display:flex;gap:5px;padding:14px 18px;width:fit-content}.cm-dot{animation:cmBounce 1.2s infinite;background:var(--chat-blue-bright);border-radius:50%;height:7px;opacity:.5;width:7px}.cm-dot:nth-child(2){animation-delay:.2s}.cm-dot:nth-child(3){animation-delay:.4s}@keyframes cmBounce{0%,60%,to{opacity:.4;transform:translateY(0)}30%{opacity:1;transform:translateY(-7px)}}.cm-npi-warn{background:rgba(239,68,68,.08);border:1px solid rgba(239,68,68,.25);border-radius:12px;color:#b91c1c;display:none;flex-shrink:0;font-size:11.5px;margin:0 20px 10px;padding:9px 13px;position:relative;z-index:2}.cm-npi-warn.show{animation:msgIn .2s ease;display:block}.cm-input-row{align-items:center;background:transparent;display:flex;flex-shrink:0;gap:10px;padding:14px 20px 20px;position:relative;z-index:2}.cm-input{background:var(--chat-surface);border:1px solid var(--chat-border);border-radius:16px;color:var(--chat-text);flex:1;font-family:Open Sans,sans-serif;font-size:14px;outline:none;padding:13px 18px;transition:all .2s}.cm-input::placeholder{color:var(--chat-text-dim)}.cm-input:focus{background:var(--chat-surface-2);border-color:var(--chat-blue);box-shadow:0 0 0 3px rgba(79,140,255,.15)}.cm-send{align-items:center;background:var(--chat-accent-grad);border:none;border-radius:14px;box-shadow:0 4px 14px var(--chat-glow);color:#fff;cursor:pointer;display:flex;flex-shrink:0;font-size:14px;height:44px;justify-content:center;transition:all .2s;width:44px}.cm-send:hover{box-shadow:0 6px 20px var(--chat-glow);transform:translateY(-2px)}.cm-send:disabled{background:var(--chat-border);box-shadow:none;cursor:not-allowed;transform:none}@media(max-width:520px)