.vl-sp-page{--vl-sp-paper:var(--mv-paper-editorial,#f5f0e8);--vl-sp-ivory:var(--mv-ivory,#fffdf9);--vl-sp-ink:var(--mv-ink,#201914);--vl-sp-ink2:#4a3d2d;--vl-sp-muted:#7d7061;--vl-sp-red:var(--mv-oxblood,#7a111a);--vl-sp-hair:rgba(32,25,20,.12);--vl-sp-ease:cubic-bezier(.22,.61,.36,1);--vl-sp-disp:var(--font-display),system-ui,sans-serif;background:var(--vl-sp-paper);color:var(--vl-sp-ink);font-size:15.5px;line-height:1.5;overflow-x:hidden}.vl-sp-page img{display:block}.vl-sp-wrap{max-width:1160px;margin:0 auto;padding:0 32px}.vl-sp-rv{opacity:0;transition:opacity .8s var(--vl-sp-ease)var(--d,0s),transform .8s var(--vl-sp-ease)var(--d,0s);transform:translateY(20px)}.vl-sp-rv.is-in{opacity:1;transform:none}.vl-sp-h1{max-width:16ch;font-family:var(--vl-sp-disp);letter-spacing:-.03em;margin:0 auto 14px;font-size:60px;font-weight:500;line-height:1}.vl-sp-h1 em{color:var(--vl-sp-red);font-style:normal;font-weight:300}.vl-sp-h2{font-family:var(--vl-sp-disp);letter-spacing:-.025em;margin:0 0 24px;font-size:38px;font-weight:500;line-height:1.05}.vl-sp-lead{max-width:30em;color:var(--vl-sp-ink2);margin:0 auto 28px;font-size:21px;line-height:1.4}.vl-sp-btn{background:var(--vl-sp-red);color:#fff;font-family:var(--vl-sp-disp);border-radius:999px;padding:13px 24px;font-size:15px;font-weight:600;text-decoration:none;display:inline-block}.vl-sp-btn--light{color:var(--vl-sp-ink);background:#fff}.vl-sp-sec{padding:64px 0 16px}.vl-sp-hero{text-align:center;padding:56px 0 8px}.vl-sp-search{border:1px solid var(--vl-sp-ink);background:var(--vl-sp-ivory);border-radius:999px;align-items:center;gap:10px;max-width:760px;margin:0 auto;padding:8px 8px 8px 22px;display:flex;box-shadow:0 20px 50px -30px rgba(32,25,20,.5)}.vl-sp-search input{min-width:0;color:var(--vl-sp-ink);font:inherit;background:0 0;border:0;outline:none;flex:1;padding:12px 0;font-size:18px}.vl-sp-search input::placeholder{color:var(--vl-sp-muted)}.vl-sp-search input::-webkit-search-cancel-button{-webkit-appearance:none;-moz-appearance:none;appearance:none}.vl-sp-clear{background:var(--vl-sp-paper);color:var(--vl-sp-ink);font-family:var(--vl-sp-disp);cursor:pointer;border:0;border-radius:999px;padding:10px 16px;font-size:13px;font-weight:600}.vl-sp-quick{grid-template-columns:repeat(4,1fr);gap:14px;max-width:960px;margin:28px auto 0;display:grid}.vl-sp-quick-item{border:1px solid var(--vl-sp-hair);background:var(--vl-sp-ivory);color:var(--vl-sp-ink);font:inherit;text-align:left;cursor:pointer;transition:transform .4s var(--vl-sp-ease),box-shadow .4s;border-radius:14px;flex-direction:column;gap:6px;padding:18px 18px 16px;text-decoration:none;display:flex}.vl-sp-quick-item:hover{transform:translateY(-2px);box-shadow:0 18px 40px -28px rgba(32,25,20,.55)}.vl-sp-quick-item b{font-family:var(--vl-sp-disp);letter-spacing:-.01em;font-size:17px;font-weight:600}.vl-sp-quick-item span{color:var(--vl-sp-muted);font-size:13.5px}.vl-sp-topics{perspective:1200px;grid-template-columns:repeat(4,1fr);gap:18px;display:grid}.vl-sp-topic{color:#fff;height:220px;transform-style:preserve-3d;background:#2a1a17;border-radius:14px;text-decoration:none;display:block;position:relative;overflow:hidden;box-shadow:0 22px 44px -26px rgba(32,25,20,.55)}.vl-sp-topic.vl-sp-rv{transform:rotateX(-14deg)translateY(24px)}.vl-sp-topic.vl-sp-rv.is-in{transform:none}.vl-sp-topic.vl-sp-tilt{transition:transform .5s var(--vl-sp-ease)}.vl-sp-topic>img{object-fit:cover;width:100%;height:100%;transition:transform 1.2s var(--vl-sp-ease);position:absolute;top:0;bottom:0;left:0;right:0}.vl-sp-topic:hover>img{transform:scale(1.06)}.vl-sp-topic:after{content:"";background:linear-gradient(rgba(0,0,0,.05) 35%,rgba(0,0,0,.75));position:absolute;top:0;bottom:0;left:0;right:0}.vl-sp-topic-ai{background:radial-gradient(120% 80% at 50% 0,#5a1219,#1a0608);place-items:center;display:grid;position:absolute;top:0;bottom:0;left:0;right:0}.vl-sp-topic-ai img{object-fit:contain;width:80px;height:80px}.vl-sp-topic-n{z-index:2;color:var(--vl-sp-ink);font-family:var(--vl-sp-disp);background:rgba(255,253,249,.92);border-radius:999px;padding:5px 11px;font-size:12.5px;font-weight:600;position:absolute;top:14px;right:14px}.vl-sp-topic-body{z-index:2;position:absolute;bottom:16px;left:18px;right:18px}.vl-sp-topic-body b{font-family:var(--vl-sp-disp);letter-spacing:-.02em;margin-bottom:4px;font-size:22px;font-weight:600;display:block}.vl-sp-topic-body span{opacity:.85;font-size:13px;display:block}.vl-sp-two{grid-template-columns:minmax(0,1fr) 380px;align-items:start;gap:48px;display:grid}.vl-sp-guides a{border-bottom:1px solid var(--vl-sp-hair);color:inherit;grid-template-columns:minmax(0,1fr) auto;align-items:baseline;gap:16px;padding:14px 0;text-decoration:none;display:grid}.vl-sp-guides a:hover b{text-underline-offset:3px;text-decoration:underline;text-decoration-thickness:1px}.vl-sp-guides b{font-family:var(--vl-sp-disp);letter-spacing:-.01em;font-size:19px;font-weight:500}.vl-sp-guides span{color:var(--vl-sp-muted);white-space:nowrap;font-size:13px}.vl-sp-empty{color:var(--vl-sp-muted);margin:0}.vl-sp-faq details{border-bottom:1px solid var(--vl-sp-hair)}.vl-sp-faq summary{font-family:var(--vl-sp-disp);cursor:pointer;justify-content:space-between;gap:12px;padding:14px 0;font-size:17px;font-weight:500;list-style:none;display:flex}.vl-sp-faq summary::-webkit-details-marker{display:none}.vl-sp-faq summary:after{content:"+";color:var(--vl-sp-red);font-weight:400}.vl-sp-faq details[open] summary:after{content:"–"}.vl-sp-faq p{color:var(--vl-sp-ink2);margin:0 0 14px;font-size:15px}.vl-sp-tickets{padding-top:40px}.vl-sp-human{color:#f6f1e8;background:#1a0f0d;margin-top:72px;padding:64px 0;position:relative;overflow:hidden}.vl-sp-human:before{content:"";filter:saturate(.5);opacity:.16;background:url(/hero/hero-3-insurance-office.jpg) 50%/cover;position:absolute;top:0;bottom:0;left:0;right:0}.vl-sp-human .vl-sp-wrap{grid-template-columns:minmax(0,1fr) auto;align-items:center;gap:32px;display:grid;position:relative}.vl-sp-human h2{color:#fff;font-family:var(--vl-sp-disp);letter-spacing:-.025em;margin:0 0 8px;font-size:38px;font-weight:500;line-height:1.05}.vl-sp-human p{opacity:.85;margin:0}.vl-sp-human-side{align-items:center;gap:22px;display:flex}.vl-sp-faces{padding-left:14px;display:flex}.vl-sp-faces img{object-fit:cover;border:2px solid #1a0f0d;border-radius:999px;width:56px;height:56px;margin-left:-14px}@media (max-width:899px){.vl-sp-wrap{padding:0 18px}.vl-sp-hero{text-align:left;padding:32px 0 8px}.vl-sp-h1{margin-left:0;font-size:40px}.vl-sp-lead{margin-left:0;font-size:18px}.vl-sp-h2{font-size:30px}.vl-sp-sec{padding:44px 0 8px}.vl-sp-search{padding:6px 6px 6px 16px}.vl-sp-search input{font-size:16px}.vl-sp-quick,.vl-sp-topics{grid-template-columns:1fr 1fr}.vl-sp-topic{height:170px}.vl-sp-topic.vl-sp-rv{transform:translateY(18px)}.vl-sp-topic-body b{font-size:18px}.vl-sp-topic-body span{display:none}.vl-sp-two{grid-template-columns:1fr;gap:20px}.vl-sp-human .vl-sp-wrap{grid-template-columns:1fr}.vl-sp-human h2{font-size:30px}}@media (prefers-reduced-motion:reduce){.vl-sp-rv,.vl-sp-topic.vl-sp-rv{opacity:1;transition:none;transform:none}}