@import"https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600&family=Playfair+Display:ital,wght@0,600;0,700;1,600&display=swap";:root{--bg-primary: #FAF9F6;--bg-secondary: #FFFFFF;--bg-accent: #0F2847;--text-primary: #1F2937;--text-secondary: #4B5563;--text-on-accent: #FFFFFF;--accent-primary: #0F2847;--accent-light: #E8EFF8;--accent-hover: #163B66;--accent-bright: #1E5599;--border-subtle: #E5E7EB;--font-heading: "Playfair Display", serif;--font-body: "Inter", sans-serif;--spacing-xs: .5rem;--spacing-sm: 1rem;--spacing-md: 2rem;--spacing-lg: 4rem;--spacing-xl: 6rem;--radius-sm: 4px;--radius-md: 8px;--radius-lg: 16px}*{box-sizing:border-box;margin:0;padding:0}body{font-family:var(--font-body);background-color:var(--bg-primary);color:var(--text-primary);line-height:1.6;-webkit-font-smoothing:antialiased}h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:700;line-height:1.2;color:var(--text-primary);margin-bottom:var(--spacing-sm);letter-spacing:-.02em}.text-accent{color:var(--accent-bright)}a{color:var(--accent-primary);text-decoration:none;transition:color .2s ease}a:hover{color:var(--accent-hover)}p{margin-bottom:var(--spacing-sm);color:var(--text-secondary)}.container{max-width:1200px;margin:0 auto;padding:0 var(--spacing-md)}img{max-width:100%;height:auto;display:block}.btn{display:inline-flex;align-items:center;justify-content:center;padding:.875rem 1.75rem;font-family:var(--font-body);font-weight:500;font-size:1rem;border-radius:100px;border:1px solid transparent;cursor:pointer;transition:all .2s ease;text-align:center}.btn-primary{background-color:var(--accent-primary);color:var(--text-on-accent)}.btn-primary:hover{background-color:var(--accent-hover);color:var(--text-on-accent)}.btn-secondary{background-color:transparent;color:var(--text-primary);border-color:var(--border-subtle)}.btn-secondary:hover{border-color:var(--text-primary);background-color:#00000005}.reveal{opacity:0;transform:translateY(30px);transition:all .8s cubic-bezier(.16,1,.3,1)}.reveal.active{opacity:1;transform:translateY(0)}.hover-lift{transition:transform .3s ease,box-shadow .3s ease}.hover-lift:hover{transform:translateY(-5px);box-shadow:0 10px 25px -5px #0000000d}.section{padding:var(--spacing-xl) 0}.hero{padding:calc(var(--spacing-xl) + 2rem) 0 var(--spacing-xl);background:var(--bg-accent);color:var(--text-on-accent);overflow:hidden;min-height:90vh;display:flex;align-items:center}.hero-container{display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;width:100%}.hero-content{max-width:800px}.badge{display:inline-block;padding:.25rem .75rem;background-color:var(--accent-light);color:var(--accent-primary);font-size:.875rem;font-weight:600;border-radius:100px;margin-bottom:var(--spacing-md)}.hero h1{font-size:clamp(3rem,5vw,4.5rem);letter-spacing:-.03em;margin-bottom:var(--spacing-md);color:var(--text-on-accent);line-height:1.1}.hero .text-accent{color:#93c5fd}.hero p{font-size:1.25rem;color:#ffffffe6;margin-bottom:var(--spacing-lg);max-width:650px;margin-left:auto;margin-right:auto}.hero-actions{display:flex;justify-content:center;gap:var(--spacing-sm);margin-bottom:var(--spacing-lg)}.hero-actions .btn-primary{background-color:var(--text-on-accent);color:var(--accent-primary)}.hero-actions .btn-primary:hover{background-color:var(--accent-light);color:var(--accent-primary)}.hero-actions .btn-secondary{color:var(--text-on-accent);border-color:#ffffff80}.hero-actions .btn-secondary:hover{border-color:var(--text-on-accent);background-color:#ffffff1a}.underwriter-trust p{font-size:.875rem;text-transform:uppercase;letter-spacing:.05em;font-weight:600;color:#ffffffb3;margin-bottom:.5rem}@media(max-width:768px){.hero{padding-top:var(--spacing-xl)}.hero-container{flex-direction:column;text-align:center}.hero-actions{justify-content:center;flex-direction:column;width:100%}.hero-actions .btn{width:100%}}.problem-solution{padding:var(--spacing-xl) 0;text-align:left}.ps-container{max-width:900px;margin:0 auto}.ps-content h2{font-size:clamp(2.5rem,5vw,3.5rem);line-height:1.1;margin-bottom:var(--spacing-md);color:var(--text-primary);max-width:800px;letter-spacing:-.02em}.ps-desc{font-size:1.5rem;color:var(--text-secondary);max-width:800px;line-height:1.6}.how-it-works{padding:var(--spacing-xl) 0;background-color:var(--bg-primary)}.hiw-header{text-align:center;max-width:800px;margin:0 auto var(--spacing-xl)}.hiw-header h2{font-size:clamp(2.5rem,5vw,4rem);line-height:1.1;color:var(--text-primary);margin-bottom:var(--spacing-md)}.hiw-header p{font-size:1.25rem;color:var(--text-secondary)}.hiw-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:var(--spacing-lg)}.hiw-card{padding:var(--spacing-lg);background:#fff;border:1px solid rgba(0,0,0,.05);border-radius:12px;transition:transform .3s ease,box-shadow .3s ease}.hiw-card:hover{transform:translateY(-5px);box-shadow:0 10px 30px #0000000d}.hiw-number{font-size:3rem;font-weight:700;color:var(--accent-primary);opacity:.2;margin-bottom:var(--spacing-sm);line-height:1}.hiw-card h3{font-size:1.5rem;color:var(--text-primary);margin-bottom:var(--spacing-sm)}.hiw-card p{color:var(--text-secondary);line-height:1.6}@media(max-width:992px){.hiw-grid{grid-template-columns:1fr}}.why-carissa{padding:var(--spacing-xl) 0;background-color:var(--bg-secondary);border-top:1px solid var(--border-subtle);overflow:hidden}.wc-container{display:flex;align-items:center;justify-content:space-between;gap:var(--spacing-xl)}.wc-content{flex:1;max-width:550px}.wc-content h2{font-size:clamp(2.5rem,5vw,3.5rem);color:var(--text-primary);margin-bottom:var(--spacing-sm);line-height:1.1;letter-spacing:-.02em}.wc-content>p{font-size:1.25rem;color:var(--text-secondary);margin-bottom:var(--spacing-lg);line-height:1.6}.wc-list{flex:1;list-style:none;display:grid;grid-template-columns:1fr;gap:var(--spacing-lg)}.wc-list li{padding:var(--spacing-md) var(--spacing-lg);border-left:3px solid var(--accent-primary);background-color:var(--bg-primary);border-radius:0 var(--radius-md) var(--radius-md) 0;cursor:default;transition:transform .3s ease,box-shadow .3s ease}.wc-list li:hover{transform:translate(10px);box-shadow:0 10px 30px #00000008}.wc-list strong{display:block;font-family:var(--font-body);font-size:1.25rem;font-weight:700;color:var(--text-primary);margin-bottom:.5rem}.wc-list p{font-size:1.125rem;color:var(--text-secondary);margin:0;line-height:1.6}@media(max-width:1000px){.wc-container{flex-direction:column;align-items:flex-start}}.cta{padding:var(--spacing-xl) 0 var(--spacing-md);background-color:var(--bg-primary);border-top:1px solid var(--border-subtle);text-align:center}.cta-content{max-width:600px;margin:0 auto var(--spacing-xl)}.cta-content h2{font-family:var(--font-body);font-size:clamp(2rem,4vw,3rem);font-weight:700;color:var(--text-primary);margin-bottom:var(--spacing-md);letter-spacing:-.02em}.cta-content p{font-size:1.25rem;color:var(--text-secondary);margin-bottom:var(--spacing-lg)}.cta-footer{padding-top:var(--spacing-lg);border-top:1px solid var(--border-subtle);display:flex;flex-direction:column;gap:.5rem}.cta-footer p{font-size:.875rem;color:var(--text-secondary);margin:0}.cta-footer p:first-child{font-weight:600;color:var(--text-primary)}.header{position:fixed;top:0;left:0;width:100%;z-index:1000;transition:all .3s ease;background-color:transparent;padding:1.5rem 0}.header.scrolled{background-color:#fffffff2;-webkit-backdrop-filter:blur(10px);backdrop-filter:blur(10px);padding:1rem 0;box-shadow:0 4px 20px #0000000d;border-bottom:1px solid var(--border-subtle)}.header-container{display:flex;justify-content:space-between;align-items:center}.header-logo{font-family:var(--font-heading);font-size:1.5rem;font-weight:800;color:var(--text-on-accent);letter-spacing:-.02em;cursor:pointer;transition:color .3s ease}.header.scrolled .header-logo{color:var(--text-primary)}.header .btn-primary{background-color:var(--text-on-accent);color:var(--accent-primary);border:1px solid var(--text-on-accent)}.header .btn-primary:hover{background-color:transparent;color:var(--text-on-accent)}.header.scrolled .btn-primary{background-color:var(--accent-primary);color:var(--text-on-accent);border:1px solid transparent}.header.scrolled .btn-primary:hover{background-color:var(--accent-hover);color:var(--text-on-accent)}.btn.btn-sm{padding:.5rem 1rem;font-size:.9rem}@media(max-width:600px){.header{padding:1rem 0}.header.scrolled{padding:.75rem 0}}.footer{background-color:var(--bg-accent, #0F2847);color:var(--text-on-accent, #ffffff);padding:4rem 0 2rem}.footer-top{display:flex;justify-content:space-between;align-items:flex-start;margin-bottom:3rem}.footer-brand{max-width:400px}.footer-logo{display:flex;align-items:center;gap:12px;margin-bottom:1rem}.footer-logo h3{margin:0;color:var(--text-on-accent, #ffffff);font-size:1.5rem}.footer-logo-img{width:32px;height:32px}.footer-tagline{color:#fffc;font-size:.95rem;line-height:1.6;margin:0}.footer-contact{text-align:right;color:#ffffffe6}.footer-contact p{color:#fff;margin-bottom:.4rem}.footer-divider{height:1px;background-color:#ffffff1a;margin-bottom:2rem}.footer-bottom{display:flex;justify-content:space-between;align-items:center}.footer-copyright{color:#fff9;font-size:.85rem;margin:0}@media(max-width:768px){.footer-top{flex-direction:column;gap:2rem}.footer-contact{text-align:left}.footer-bottom{flex-direction:column;gap:1.5rem;align-items:flex-start}}