:root{--navy:#0d2c54;--blue:#1260c4;--gold:#c49a52;--text:#233c5c;--muted:#61748a;--border:#e3e9ef;--pale:#f5f8fb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fff;color:var(--text);font-family:Inter,'Segoe UI',Arial,sans-serif;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select{font:inherit}button{cursor:pointer}.container{width:min(1140px,calc(100% - 48px));margin:auto}.header{background:#fff;border-bottom:1px solid #e9edf2;position:sticky;top:0;z-index:20}.navline{display:flex;align-items:center;justify-content:space-between;min-height:83px;gap:25px}.brand{display:flex;align-items:center;gap:10px;flex-shrink:0}.brand b{display:block;color:var(--navy);font-size:13px;letter-spacing:1.55px}.brand small{display:block;color:#6a7c91;font-size:10px;margin-top:4px}.logo-mark{display:flex}.navlinks{display:flex;align-items:center;gap:23px}.navlinks>a:not(.btn){font-size:12px;font-weight:600;color:var(--navy);white-space:nowrap}.navlinks>a:hover,.navlinks>a.active{color:var(--blue)}.hamburger{display:none;background:transparent;border:0;color:var(--navy);font-size:25px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:14px;border:1px solid var(--blue);padding:13px 22px;background:var(--blue);color:white;border-radius:7px;font-size:12px;font-weight:700;box-shadow:0 5px 12px #0e5bb018;transition:.2s}.btn:hover{background:#0c4f9f}.btn-outline{background:#fff;color:var(--navy);border-color:#9db7d3}.btn-outline:hover{background:#f0f6fb}.btn-small{padding:10px 15px!important;font-size:11px!important;color:white!important}.hero{position:relative;min-height:352px;background:#eef5fa;display:flex;align-items:center;overflow:hidden}.hero-photo{background:linear-gradient(105deg,#f6f8f9 0%,#edf4f9 55%,#e4f0f6 100%)}.hero-image{position:absolute;right:0;top:0;bottom:0;width:52%;background-image:linear-gradient(90deg,#edf4f9 0%,transparent 18%),url('family-hero.jpg');background-size:cover;background-position:center;filter:saturate(.89)}.hero-content{position:relative;z-index:1;padding-top:50px;padding-bottom:50px}.hero-content h1{font-family:Georgia,'Times New Roman',serif;font-size:clamp(37px,4.6vw,63px);line-height:1.1;letter-spacing:-1.7px;max-width:650px;font-weight:500;color:var(--navy);margin:10px 0}.hero-content em{font-style:normal;color:var(--blue)}.hero-content p{max-width:480px;font-size:15px;line-height:1.7;color:#49627c;margin:16px 0 24px}.eyebrow{color:var(--blue);font-size:10px;font-weight:750;letter-spacing:2px}.gold{color:#b88a3e}.actions{display:flex;gap:10px;flex-wrap:wrap}.hero-plain{min-height:255px;background:linear-gradient(112deg,#fafcfd,#ebf5fc)}.hero-plain .hero-content{padding:45px 0}.hero-plain .hero-content h1{max-width:810px}.hero-plain .hero-content p{max-width:680px}.feature-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;padding:24px 0}.feature{display:flex;align-items:center;gap:16px;border:1px solid var(--border);border-radius:8px;padding:21px 20px;box-shadow:0 5px 18px #143a5910;transition:transform .2s}.feature:hover,.guide-card:hover{transform:translateY(-2px)}.feature-icon{display:grid;place-items:center;background:#ecf4fd;color:var(--blue);border-radius:50%;font-size:23px;width:49px;height:49px;flex-shrink:0}.feature b,.feature small{display:block}.feature b{color:var(--navy);font-family:Georgia,serif;font-size:17px}.feature small{font-size:12px;color:var(--muted);line-height:1.4;margin-top:4px}.arrow{margin-left:auto;color:var(--blue)}.andy-strip{background:#f2f6f9;border-top:1px solid #ecf0f3;border-bottom:1px solid #ecf0f3}.andy-layout{display:grid;grid-template-columns:180px 1.4fr .8fr;gap:34px;align-items:center;padding-top:25px;padding-bottom:25px}.portrait-box{background:linear-gradient(145deg,#e7edf3,#c9d9e8);border:1px solid #cbd8e5;min-height:190px;border-radius:8px;display:flex;flex-direction:column;align-items:center;justify-content:center;color:#667c90;gap:10px;text-align:center;font-size:11px}.portrait-icon{font-family:Georgia,serif;font-size:55px;color:#96abc2}.andy-layout h2,.section h2,.cta h2,.calc-card h2,.calc-results h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(25px,2.5vw,34px);font-weight:500;line-height:1.18;margin:9px 0}.andy-layout p{color:var(--muted);font-size:13px;line-height:1.7}.text-link{color:var(--blue);font-weight:700;font-size:12px;background:none;border:0;padding:0}.quote-line{border-left:1px solid #d7c29a;padding-left:30px}.quote-line span{font-family:Georgia,serif;font-style:italic;font-size:23px;line-height:1.35;color:var(--navy)}.quote-line small{display:block;margin-top:12px;color:var(--muted);line-height:1.5}.section{padding-top:55px;padding-bottom:60px}.section-heading{display:flex;justify-content:space-between;align-items:end;margin-bottom:19px}.guide-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:17px}.guide-card{border:1px solid var(--border);border-radius:9px;overflow:hidden;box-shadow:0 5px 18px #173a5510;transition:transform .2s}.guide-visual{height:128px;display:flex;align-items:end;padding:12px;background:linear-gradient(135deg,#c9e2f1,#95bbdb);color:white}.visual-abroad{background:linear-gradient(15deg,#1e5682,#8cbbb4)}.visual-cover{background:linear-gradient(15deg,#c08d63,#f5ca89)}.visual-moving{background:linear-gradient(15deg,#527e9b,#bed5e7)}.visual-medical{background:linear-gradient(15deg,#456782,#c2dce9)}.guide-visual span{font-size:10px;text-transform:uppercase;letter-spacing:1px;background:#ffffffd9;color:#294c73;padding:5px 8px;border-radius:20px}.guide-body{padding:18px}.guide-body h3{font-family:Georgia,serif;color:var(--navy);font-size:18px;line-height:1.27;margin:0 0 9px;font-weight:500}.guide-body p{color:var(--muted);font-size:12px;line-height:1.55;min-height:57px}.read-more{font-size:12px;color:var(--blue);font-weight:700}.cta{background:#eaf3fa}.cta-inner{display:flex;justify-content:space-between;align-items:center;gap:20px;padding-top:30px;padding-bottom:30px}.cta h2{margin:0}.cta p,.muted{color:var(--muted);line-height:1.6;font-size:13px}.footer{background:var(--navy);color:#dbe6f1}.footer-inner{padding:28px 0;display:grid;grid-template-columns:1fr auto;gap:17px}.foot-brand{font-weight:800;letter-spacing:1.3px;font-size:12px}.foot-brand small{display:block;font-weight:400;letter-spacing:0;margin-top:6px}.foot-links{display:flex;gap:15px;flex-wrap:wrap;font-size:11px}.footer p{grid-column:1/-1;font-size:10px;color:#b0c2d7;line-height:1.5;border-top:1px solid #375476;padding-top:14px}.prose-wide>p,.andy-profile p,.principles p{max-width:850px;line-height:1.8;color:var(--muted);font-size:15px}.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin:30px 0}.three-col>div{padding:19px;background:#f7fafc;border:1px solid #e9eff5;border-radius:9px}.three-col h3{font-family:Georgia,serif;color:var(--navy);font-size:20px}.three-col p{font-size:13px;line-height:1.6;color:var(--muted)}.calculator-layout{display:grid;grid-template-columns:1fr .9fr;gap:25px;align-items:start}.calc-card,.calc-results,.quote-wrap{border:1px solid var(--border);border-radius:10px;padding:30px;background:#fff;box-shadow:0 12px 35px #0f375010}.calc-card label,.quote-step label{display:block;margin:16px 0;color:var(--navy);font-size:13px;font-weight:650}.calc-card input,.quote-step input,.quote-step select,.search-label input{display:block;margin-top:8px;padding:12px 13px;border:1px solid #cddae6;border-radius:6px;width:100%;background:white;color:var(--navy);font-size:15px}.calc-results{background:#f4f9fd}.calc-number{color:var(--blue);font-family:Georgia,serif;font-size:clamp(38px,4vw,55px);margin:15px 0}.breakdown{margin:24px 0}.breakdown div{display:flex;justify-content:space-between;gap:15px;border-bottom:1px solid #dfe8f1;padding:12px 0;font-size:13px}.breakdown b{white-space:nowrap}.block{display:flex;width:100%}.reset{margin-top:15px}.andy-mini{border-top:1px solid #dce7f1;margin-top:20px;padding-top:18px;display:grid;gap:9px;font-size:13px}.andy-mini span{color:var(--muted)}.andy-profile{display:grid;grid-template-columns:270px 1fr;gap:45px;align-items:center}.portrait-large{min-height:305px}.search-label{display:block;font-size:13px;font-weight:700;max-width:520px;margin-bottom:26px}.narrow{max-width:810px}.faq-item{border-bottom:1px solid var(--border);padding:18px 0}.faq-item summary{font-weight:700;color:var(--navy);cursor:pointer;list-style:revert}.faq-item p{font-size:14px;color:var(--muted);line-height:1.7}.quote-wrap{max-width:670px;margin:auto}.steps{display:flex;gap:8px;margin-bottom:25px}.steps span{flex:1;font-size:11px;text-align:center;background:#e9eff5;border-radius:5px;padding:9px;color:#697f95}.steps span.on{background:#d6eaff;color:var(--blue);font-weight:800}.quote-step h2{font-family:Georgia,serif;color:var(--navy);font-weight:500}.quote-actions{display:flex;justify-content:space-between;margin-top:24px}.quote-summary{background:#eff6fb;border-radius:7px;padding:20px;line-height:1.8}.quote-step p{color:var(--muted);line-height:1.65;font-size:13px}.error{font-size:12px;color:#af3030}.article{max-width:840px;padding:55px 0 70px}.article .eyebrow{display:block;margin-top:28px}.article h1{font-family:Georgia,serif;font-size:clamp(35px,5vw,56px);color:var(--navy);font-weight:500;line-height:1.15}.article h2{font-family:Georgia,serif;color:var(--navy);font-weight:500;margin-top:35px}.article p{line-height:1.85;color:var(--muted);font-size:15px}.article .lead{font-size:19px;color:#415b75}.article-cta{background:#f0f6fb;padding:24px;border-radius:9px;margin:35px 0}.article-cta .btn{margin:5px}.note{font-size:12px!important}input:focus,select:focus{outline:2px solid #89b7e7;outline-offset:2px}a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid #89b7e7;outline-offset:3px}@media(max-width:940px){.navlinks{gap:12px}.navlinks>a:not(.btn){font-size:11px}.hero-image{width:45%}.andy-layout{grid-template-columns:150px 1fr}.quote-line{display:none}.guide-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:700px){.container{width:min(100% - 32px,1140px)}.navline{min-height:70px}.brand b{font-size:11px}.brand small{font-size:9px}.logo-mark svg{width:34px;height:34px}.hamburger{display:block}.navlinks{display:none;position:absolute;top:69px;left:0;right:0;background:white;flex-direction:column;align-items:stretch;padding:18px 22px;border-bottom:1px solid var(--border);box-shadow:0 12px 15px #0b284016}.navlinks.open{display:flex}.navlinks>a{padding:8px!important}.hero{min-height:auto}.hero-content{padding-top:35px;padding-bottom:35px}.hero-photo .hero-content{padding-bottom:215px}.hero-image{top:auto;left:0;right:0;bottom:0;width:100%;height:210px;background-image:linear-gradient(180deg,#eef5fa,transparent 25%),url('family-hero.jpg');background-position:center}.hero-content h1{font-size:38px;letter-spacing:-1px}.hero-content p{font-size:14px}.feature-grid{grid-template-columns:1fr;gap:10px;padding:20px 0}.feature{padding:13px}.andy-layout{grid-template-columns:1fr;gap:15px}.portrait-box{width:180px}.quote-line{display:block}.guide-grid{grid-template-columns:1fr 1fr;gap:10px}.guide-visual{height:95px}.guide-body{padding:13px}.guide-body h3{font-size:16px}.guide-body p{font-size:11px;min-height:auto}.section{padding-top:40px;padding-bottom:45px}.cta-inner,.footer-inner{display:block}.cta .btn{margin-top:10px}.foot-links{margin-top:18px}.calculator-layout,.andy-profile,.three-col{grid-template-columns:1fr}.calc-card,.calc-results,.quote-wrap{padding:20px}.calc-number{font-size:37px}.quote-actions .btn{padding:12px}.article{padding-top:35px}.article h1{font-size:35px}}@media(max-width:380px){.guide-grid{grid-template-columns:1fr}.brand small{font-size:8px}.brand b{font-size:10px}}

/* Real approved customer-provided Andy photography */
.andy-photo-home{display:block;width:180px;height:190px;object-fit:cover;object-position:center 21%;border-radius:9px;border:1px solid #e0e8f0}
.andy-photo-profile{display:block;width:100%;height:330px;object-fit:cover;object-position:55% 38%;border-radius:10px;border:1px solid #e0e8f0}
@media(max-width:700px){.andy-photo-home{width:180px;height:190px}.andy-photo-profile{height:auto;max-height:380px;object-fit:cover}}