:root{--navy:#0e2a47;--navy-2:#153a61;--amber:#f5a623;--ink:#1b2733;--muted:#596979;--line:#dde5ec;--soft:#f5f8fb;--white:#fff;--radius:16px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:115px}body{margin:0;color:var(--ink);background:#fff;font-family:"Segoe UI",Roboto,-apple-system,BlinkMacSystemFont,Helvetica,Arial,sans-serif;line-height:1.6;-webkit-font-smoothing:antialiased}a{color:var(--navy);text-decoration:none;text-underline-offset:4px}a:hover{text-decoration:underline}button,summary{font:inherit}img{max-width:100%;height:auto;display:block}svg{display:block;flex-shrink:0}.wrap{width:min(var(--max),calc(100% - 64px));margin:auto}.skip-link{position:fixed;z-index:100;top:8px;left:12px;padding:12px 20px;background:#fff;color:var(--navy);transform:translateY(-160%);border:2px solid var(--navy);border-radius:8px}.skip-link:focus{transform:translateY(0)}:focus-visible{outline:3px solid #b86d00;outline-offset:5px}.topline{background:var(--navy);color:#d6e1ee;font-size:12px;letter-spacing:.3px}.topline .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px}.topline a{color:#fff}.header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.nav-row{display:flex;align-items:center;justify-content:space-between;min-height:90px;gap:24px}.brand{color:var(--navy);display:inline-flex;align-items:center;gap:10px;font-size:27px;font-weight:800;letter-spacing:-1.2px;line-height:1.1;white-space:nowrap}.brand:hover{text-decoration:none}.brand-light{font-weight:400}.brand-dot{color:var(--amber)}.brand small{display:block;letter-spacing:2.3px;font-size:9px;font-weight:600;margin-top:7px}.nav{display:flex;align-items:center;gap:27px}.nav>a{font-size:13px;font-weight:650;white-space:nowrap}.btn{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:15px 24px;background:var(--amber);color:#241b08;font-weight:750;border:1px solid var(--amber);border-radius:999px;line-height:1.4;text-align:center;box-shadow:0 6px 16px #0000000a}.btn:hover{background:#ffb942;border-color:#ffb942;text-decoration:none}.btn-small{padding:11px 21px}.menu-toggle{display:none}.hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#0e2a47 20%,#153a61 100%);color:#fff}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:84px;align-items:center;padding-block:78px 82px;position:relative;z-index:1}.eyebrow{font-size:11px;font-weight:750;letter-spacing:1.7px;line-height:1.6;margin:0 0 17px;color:#546678}.eyebrow.gold{color:#ffc566}.hero .eyebrow{display:flex;align-items:center;gap:9px}.status-dot{height:7px;width:7px;border-radius:50%;background:var(--amber);flex-shrink:0}h1{font-size:clamp(40px,4vw,53px);line-height:1.09;letter-spacing:-1.8px;margin:0 0 24px;font-weight:780}h1>span{color:#ffc566}.lead{font-size:17px;line-height:1.8;color:#d5e1ee;margin:0 0 30px;max-width:560px}.actions{display:flex;align-items:center;gap:24px;flex-wrap:wrap}.text-link{font-size:14px;font-weight:750;display:inline-flex;gap:17px;align-items:center}.text-link.light{color:#fff}.hero-note{font-size:12px;letter-spacing:.4px;color:#d2deeb;margin:26px 0 0}.hero-note span{padding:0 12px;color:#7291ac}.comparison-card{background:#fff;color:var(--ink);border-radius:20px;box-shadow:0 24px 50px #06182b40;overflow:hidden;transform:rotate(1deg)}.card-top{display:flex;justify-content:space-between;align-items:center;margin:30px 30px 20px;color:#466078}.label{font-size:10px;letter-spacing:1.7px;font-weight:750}.comparison-card h2{font-size:28px;letter-spacing:-.7px;line-height:1.25;margin:0 30px 24px;color:var(--navy)}.compare-list{list-style:none;padding:0 30px;margin:0 0 30px}.compare-list li{display:flex;gap:15px;align-items:flex-start;border-top:1px solid var(--line);padding:17px 0 0;margin-top:17px}.check{background:#fff2da;color:#77500b;width:25px;height:25px;flex-shrink:0;display:grid;place-items:center;border-radius:50%;font-weight:800;font-size:13px}.compare-list strong{display:block;color:var(--navy);font-size:14px}.compare-list div>span{display:block;font-size:12px;color:var(--muted);margin-top:3px}.card-bottom{display:flex;align-items:center;justify-content:space-between;gap:12px;background:#f5f8fb;border-top:1px solid var(--line);padding:18px 30px;font-size:12px;font-weight:750}.hero-lines{position:absolute;width:570px;height:570px;right:-190px;top:-230px;border:1px solid #7c9bb32b;border-radius:50%;box-shadow:0 0 0 45px #7c9bb30a,0 0 0 90px #7c9bb309,0 0 0 140px #7c9bb308}.intro-strip{border-bottom:1px solid var(--line);background:#fff}.strip-inner{display:flex;align-items:center;gap:24px;min-height:78px;font-size:13px}.strip-inner>span{font-weight:750;color:var(--navy);white-space:nowrap}.strip-inner p{color:var(--muted);margin:0;flex:1}.strip-inner a{font-weight:750;white-space:nowrap}.strip-inner a>span{padding-left:12px}.section{padding-block:88px;scroll-margin-top:0}.soft{background:var(--soft)}h2{font-size:36px;letter-spacing:-1px;line-height:1.18;color:var(--navy);margin:0 0 21px}h3{color:var(--navy)}.section-heading{display:flex;align-items:flex-end;justify-content:space-between;gap:60px;margin-bottom:36px}.section-heading h2{margin:0}.section-heading>p{max-width:365px;color:var(--muted);font-size:14px;margin:0 0 4px}.path-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.path-card{padding:28px;border:1px solid var(--line);border-radius:var(--radius);position:relative;display:flex;flex-direction:column;align-items:flex-start;background:#fff;box-shadow:0 7px 24px #0e2a4705}.icon-box{background:#eef3f8;border-radius:12px;padding:13px}.icon-box svg{width:28px;height:28px;fill:none;stroke:var(--navy);stroke-width:1.6;stroke-linejoin:round;stroke-linecap:round}.card-index{position:absolute;right:28px;top:35px;font-size:12px;color:#596b7c;font-weight:600}.path-card h3{font-size:20px;margin:25px 0 9px;letter-spacing:-.3px}.path-card p{font-size:14px;color:var(--muted);margin:0 0 24px}.path-card>a{font-size:13px;font-weight:750;margin-top:auto;display:flex;justify-content:space-between;gap:15px;width:100%}.compare-grid{display:grid;grid-template-columns:.95fr 1.05fr;gap:100px;align-items:center}.section-copy{font-size:15px;color:var(--muted);max-width:410px;margin:0 0 25px}.question-list>div{display:flex;gap:22px;padding:22px 0;border-bottom:1px solid var(--line)}.question-list>div:first-child{padding-top:0}.question-list>div:last-child{border:0;padding-bottom:0}.question-list>div>span{font-size:12px;color:#596b7c;font-weight:750;padding-top:3px}.question-list h3{margin:0 0 6px;font-size:18px;letter-spacing:-.3px}.question-list p{margin:0;font-size:14px;color:var(--muted)}.broker-grid{display:grid;grid-template-columns:.82fr 1.18fr;gap:90px;align-items:center;max-width:1020px}.portrait-panel{border-radius:20px;overflow:hidden;position:relative;background:#edf2f6;border:1px solid var(--line)}.portrait-panel>img{width:100%;aspect-ratio:1/1.05;object-fit:cover;object-position:center 20%}.portrait-caption{background:var(--navy);padding:20px 26px;color:#fff;display:flex;flex-direction:column}.portrait-caption strong{font-size:18px}.portrait-caption span{font-size:12px;color:#d4dfeb}.broker-copy p:not(.eyebrow){font-size:15px;color:var(--muted);margin:0 0 18px}.broker-contact{border-top:1px solid var(--line);margin-top:24px;padding-top:22px;display:grid;grid-template-columns:auto 1fr;gap:3px 16px;align-items:baseline}.broker-contact>a{font-weight:700;font-size:15px}.broker-contact>span{color:var(--muted);font-size:11px}.broker-contact>a:last-child{grid-column:1/-1;font-size:14px;margin-top:4px;overflow-wrap:anywhere}.mfl-logo{width:235px;margin-top:27px;height:auto}.faq-grid{display:grid;grid-template-columns:.78fr 1.22fr;gap:80px}.faqs details{border-bottom:1px solid var(--line);padding:0 0 20px;margin-bottom:20px}.faqs details:last-child{margin-bottom:0}.faqs summary{font-weight:700;font-size:15px;color:var(--navy);cursor:pointer;padding-right:10px;list-style-position:outside;margin-left:17px}.faqs summary::marker{color:#7c5a18;font-size:12px}.faqs p{font-size:14px;margin:16px 0 0 17px;color:var(--muted)}.faqs p a{text-decoration:underline}.contact-section{padding-block:60px}.cta-band{background:var(--navy);border-radius:20px;padding:46px 50px;display:flex;gap:45px;justify-content:space-between;align-items:center}.cta-band h2{color:#fff;font-size:32px;margin-bottom:14px}.cta-band p:not(.eyebrow){color:#d7e2ee;font-size:14px;margin:0}.cta-band .btn{flex-shrink:0;font-size:14px}.cta-band .eyebrow{font-size:9px;letter-spacing:1.4px}.archive-section{padding:0 0 55px}.archive{border-top:1px solid var(--line);padding-top:25px}.archive summary{list-style:none;display:flex;justify-content:space-between;align-items:center;cursor:pointer;color:var(--navy);gap:24px}.archive summary::-webkit-details-marker{display:none}.archive summary .eyebrow{display:block;margin:0 0 5px;font-size:9px}.archive summary #archive-title{font-size:17px;font-weight:700}.archive-plus{width:34px;height:34px;border:1px solid var(--line);border-radius:50%;display:grid;place-items:center;font-size:20px}.archive[open] .archive-plus{font-size:0}.archive[open] .archive-plus::after{content:"−";font-size:20px}.archive>p{font-size:14px;color:var(--muted)}.archive ul{padding-left:20px;line-height:1.6}.archive li{font-size:14px;padding-bottom:10px}.archive li a{text-decoration:underline}.footer{background:#0b223a;color:#d3dfec;padding:52px 0 22px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:50px;margin-bottom:32px}.footer-brand{color:#fff;font-size:27px;display:inline-block}.footer-grid p{font-size:13px;color:#c0cfdf;margin:15px 0 0}.footer h2{font-size:12px;color:#fff;letter-spacing:.4px;margin:0 0 15px}.footer-grid>div>a:not(.brand){display:block;color:#d3dfec;font-size:12px;margin:8px 0;overflow-wrap:anywhere}.legal{border-top:1px solid #ffffff24;padding-top:23px;font-size:11px;line-height:1.8;color:#b9cada;margin:0}.footer-bottom{display:flex;justify-content:space-between;color:#b9cada;font-size:11px;margin-top:22px}
@media(min-width:1500px){.hero-grid{padding-block:90px 94px}}
@media(max-width:1100px){.nav{gap:17px}.nav>a{font-size:12px}.hero-grid{gap:45px}.actions{gap:18px}.compare-grid{gap:50px}.broker-grid{gap:55px}.faq-grid{gap:50px}.strip-inner{gap:18px}.strip-inner p{font-size:12px}.path-card{padding:24px}.path-card h3{font-size:18px}.cta-band{padding:40px}.cta-band h2{font-size:29px}}
@media(max-width:860px){html{scroll-padding-top:90px}.wrap{width:calc(100% - 40px)}.nav-row{min-height:77px;position:relative}.brand{font-size:25px}.brand small{font-size:8px;letter-spacing:2px}.brand svg{width:33px;height:33px}.menu-toggle{display:flex;gap:12px;align-items:center;background:var(--soft);color:var(--navy);font-size:12px;font-weight:700;border:1px solid var(--line);border-radius:8px;min-height:44px;padding:10px 13px;cursor:pointer}.nav{display:flex;gap:3px;flex-wrap:wrap;padding-bottom:14px}.nav-row{flex-wrap:wrap;gap:0;justify-content:space-between}.nav{flex-basis:100%}.js .nav{display:none}.js .nav.is-open{display:flex}.nav>a{padding:12px 14px;font-size:13px}.nav>.btn{padding:10px 18px}.hero-grid{grid-template-columns:1fr 1fr;gap:30px;padding-block:54px}.hero .eyebrow{font-size:9px;letter-spacing:1.2px}h1{font-size:40px}.lead{font-size:15px}.actions .btn{font-size:13px;padding:14px 19px}.actions .text-link{font-size:13px}.comparison-card{transform:none}.card-top{margin:25px 24px 18px}.comparison-card h2{font-size:24px;margin-inline:24px}.compare-list{padding-inline:24px}.compare-list div>span{font-size:11px}.card-bottom{padding-inline:24px;font-size:11px}.label{font-size:9px}.strip-inner{flex-wrap:wrap;gap:5px 18px;padding-block:18px}.strip-inner p{flex-basis:70%;flex-grow:1}.strip-inner a{font-size:12px}.section{padding-block:64px}h2{font-size:31px}.path-grid{gap:14px}.path-card{padding:22px 18px}.path-card h3{font-size:17px}.path-card p{font-size:13px}.card-index{right:20px}.path-card>a{font-size:12px}.section-heading{gap:30px}.section-heading>p{max-width:280px;font-size:13px}.compare-grid{gap:35px}.broker-grid{gap:35px;grid-template-columns:.85fr 1.15fr}.broker-contact{grid-template-columns:1fr}.broker-contact>span{grid-row:2}.faq-grid{gap:30px;grid-template-columns:.8fr 1.2fr}.cta-band{flex-direction:column;align-items:flex-start;gap:25px}.contact-section{padding-block:44px}.footer-grid{gap:25px}.footer-grid{grid-template-columns:1.15fr 1fr 1fr}}
@media(max-width:640px){.wrap{width:calc(100% - 36px)}.topline{font-size:10px}.hero-grid{grid-template-columns:1fr;padding-block:44px 42px;gap:35px}.hero-copy{max-width:500px}h1{font-size:42px;letter-spacing:-1.4px;line-height:1.08}.hero .eyebrow{font-size:9px}.lead{font-size:15px;line-height:1.75;margin-bottom:24px}.actions{gap:18px}.actions .btn{font-size:13px;padding:15px 20px}.hero-note{margin-top:21px;font-size:11px}.hero-note span{padding-inline:8px}.comparison-card{max-width:500px;width:100%;border-radius:16px}.comparison-card h2{font-size:26px;max-width:300px}.card-top{margin-top:24px}.compare-list li{padding-top:13px;margin-top:13px}.compare-list div>span{font-size:12px}.compare-list{margin-bottom:24px}.strip-inner{display:block;padding-block:21px}.strip-inner>span{font-size:13px}.strip-inner p{font-size:12px;margin:5px 0 9px;max-width:310px}.section{padding-block:52px}.eyebrow{font-size:9px;letter-spacing:1.5px;margin-bottom:13px}h2{font-size:31px}.section-heading{display:block;margin-bottom:27px}.section-heading>p{margin-top:16px;max-width:330px;font-size:14px}.path-grid{grid-template-columns:1fr;gap:15px}.path-card{padding:24px}.path-card h3{font-size:20px;margin-top:21px}.path-card p{font-size:14px;max-width:340px;margin-bottom:23px}.path-card>a{font-size:13px}.icon-box{padding:11px}.icon-box svg{width:25px;height:25px}.card-index{right:26px;top:32px}.compare-grid,.broker-grid,.faq-grid{grid-template-columns:1fr;gap:32px}.section-copy{font-size:14px}.question-list>div{gap:20px;padding-block:21px}.question-list h3{font-size:17px}.portrait-panel{max-width:365px;width:100%;margin:auto}.portrait-panel>img{aspect-ratio:1/1}.portrait-caption{padding:17px 23px}.broker-copy h2{font-size:32px}.broker-copy p:not(.eyebrow){font-size:14px}.broker-contact{grid-template-columns:auto 1fr;gap:5px 12px}.broker-contact>span{grid-row:auto}.mfl-logo{width:215px}.faq-grid{gap:17px}.faqs summary{font-size:14px;line-height:1.7}.faqs details{margin-bottom:18px;padding-bottom:18px}.faqs p{font-size:13px}.contact-section{padding-block:36px}.cta-band{border-radius:16px;padding:30px 24px;gap:26px}.cta-band h2{font-size:28px;letter-spacing:-.6px}.cta-band .eyebrow{font-size:8px;letter-spacing:1px;max-width:240px}.cta-band p:not(.eyebrow){font-size:13px}.cta-band .btn{font-size:12px;padding:14px 19px;gap:12px}.archive-section{padding-bottom:37px}.archive summary #archive-title{font-size:16px}.archive summary .eyebrow{font-size:8px}.archive li,.archive>p{font-size:13px}.footer{padding-top:38px}.footer-grid{grid-template-columns:1fr 1fr;gap:26px 20px}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div>a:not(.brand){font-size:11px}.footer h2{font-size:12px}.footer-grid p{font-size:12px}.legal{font-size:10px}.footer-bottom{font-size:10px;gap:20px}}
@media(max-width:360px){.wrap{width:calc(100% - 32px)}.topline{font-size:9px}.brand{font-size:23px}.brand svg{width:29px;height:29px}.brand small{font-size:7px}.menu-toggle{padding:9px 10px;gap:8px;font-size:11px}h1{font-size:37px}.hero .eyebrow{font-size:8px}.hero-note{font-size:10px}.broker-contact{grid-template-columns:1fr}.broker-contact>span{grid-row:2}.cta-band{padding-inline:21px}.cta-band .btn{font-size:11px}.footer-grid{gap:24px 16px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*::before,*::after{transition:none!important;animation:none!important}}

.hero :focus-visible,.footer :focus-visible,.topline :focus-visible,.cta-band :focus-visible{outline-color:#ffc566}.hero .comparison-card :focus-visible{outline-color:#b86d00}

/* Existing business logo leads the header; site identity stays secondary. */
.brand.brand-partner{flex-direction:column;align-items:flex-start;gap:6px;letter-spacing:normal;flex-shrink:0}.header-mfl-logo{width:270px;height:auto}.brand-site{font-size:9px;font-weight:650;letter-spacing:1.6px;line-height:1.4}.brand-site>span{padding:0 6px;color:#596979}
@media(max-width:1100px){.header-mfl-logo{width:240px}.brand-site{font-size:8px;letter-spacing:1.4px}}
@media(max-width:860px){.header-mfl-logo{width:230px}.brand.brand-partner{gap:5px}}
@media(max-width:640px){.header-mfl-logo{width:225px}.brand-site{font-size:8px;letter-spacing:1.2px}}
@media(max-width:360px){.header-mfl-logo{width:195px}.brand-site{font-size:7px;letter-spacing:1.1px}.brand-site>span{padding:0 4px}}