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var(--s-4);margin-top:auto;padding-top:var(--s-3);border-top:1px solid var(--line)}.plan__more{margin-top:auto}.plan__more+.plan__actions{margin-top:0}.plans--more{margin-top:clamp(1rem,.6rem + 1.2vw,1.75rem)}.bullets{list-style:none;display:grid;gap:var(--s-3)}.bullets li{display:grid;grid-template-columns:auto 1fr;gap:var(--s-3);align-items:start}.bullets .icon{margin-top:.2em;flex:none}.bullets--check .icon{color:var(--success)}.bullets--minus .icon{color:var(--muted)}.bullets--dot li{grid-template-columns:1fr;position:relative;padding-left:1.25rem}.bullets--dot li::before{content:'';position:absolute;left:0;top:.7em;width:6px;height:6px;border-radius:50%;background:var(--cyan)}.bullets--2col{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--s-4) var(--s-6);margin-top:var(--s-4)}@media(max-width:560px){.bullets--2col{grid-template-columns:1fr}}.numbered{padding-left:1.4rem;display:grid;gap:var(--s-3);max-width:80ch}.numbered 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var(--line-strong)}.accordion__heading{font-size:inherit}.accordion__trigger{display:flex;width:100%;align-items:center;justify-content:space-between;gap:var(--s-5);padding:var(--s-5) 0;border:0;background:none;text-align:left;font-size:var(--fs-h5);font-weight:600;color:var(--ink);line-height:1.45}.accordion__trigger:hover{color:var(--navy)}.accordion__icon{position:relative;flex:none;width:32px;height:32px;border-radius:50%;border:1.5px solid var(--line-strong);transition:background-color .2s,border-color .2s,transform .3s var(--ease)}.accordion__icon::before,.accordion__icon::after{content:'';position:absolute;left:50%;top:50%;width:12px;height:1.75px;background:var(--navy);transform:translate(-50%,-50%);transition:transform .3s var(--ease),background-color .2s}.accordion__icon::after{transform:translate(-50%,-50%) rotate(90deg)}.accordion__trigger[aria-expanded='true'] .accordion__icon{background:var(--navy);border-color:var(--navy)}.accordion__trigger[aria-expanded='true'] 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td{font-weight:600;color:var(--navy);white-space:nowrap}@media(max-width:560px){.table--tat td{white-space:normal}}.prose .table{margin-block:1em;border:1px solid var(--line)}.steps{list-style:none;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:var(--s-6);counter-reset:s}.steps__item{position:relative;display:grid;gap:var(--s-3);align-content:start;padding-top:var(--s-6);border-top:2px solid var(--line)}.steps__item::before{content:'';position:absolute;top:-2px;left:0;width:48px;height:2px;background:var(--cyan)}.steps__num{font-size:2.75rem;font-weight:600;line-height:1;color:var(--navy);letter-spacing:-.03em}.steps__item p{color:var(--text)}@media(max-width:760px){.steps{grid-template-columns:1fr}}.timeline{list-style:none;display:grid;gap:0;position:relative}.timeline__item{position:relative;display:grid;grid-template-columns:auto 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1fr}}.vision{background:var(--navy);position:relative;overflow:hidden}.vision::after{content:'';position:absolute;right:-60px;bottom:-60px;width:440px;height:440px;background-image:url('../brand/qbe-links-symbol.png');background-repeat:no-repeat;background-position:center;background-size:contain;opacity:.12;pointer-events:none}.vision__inner{position:relative;z-index:1;display:grid;gap:var(--s-5);justify-items:start}.vision__quote{max-width:30em;font-size:clamp(1.375rem,1.1rem + 1.1vw,2.125rem);line-height:1.45;letter-spacing:-.012em;color:var(--white)}.value{padding:var(--s-5) 0 0;border-top:2px solid var(--navy);display:grid;gap:var(--s-2)}.value p{color:var(--muted)}.beliefs{display:grid;gap:var(--s-4);margin-top:var(--s-4)}.people{list-style:none}.person{display:grid;gap:var(--s-1);padding:var(--s-5);border:1px solid 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p:not(.contact-card__big){color:var(--muted)}.social{list-style:none;display:flex;gap:var(--s-2)}.social a{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;border:1px solid rgba(255,255,255,.25);color:var(--white);transition:background-color .2s,border-color .2s}.social a:hover{background:var(--white);color:var(--navy)}.social--dark a{border-color:var(--line-strong);color:var(--navy)}.social--dark a:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}.locator-bar{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:var(--s-5);padding:var(--s-5);background:var(--surface);border-radius:var(--r);margin-bottom:var(--s-5)}.locator-bar__fields{display:grid;grid-template-columns:minmax(180px,1fr) 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small{display:block;font-size:var(--fs-xs);color:rgba(255,255,255,.6)}.footer__cols{display:grid;grid-template-columns:repeat(5,minmax(0,1fr));gap:var(--s-6) var(--s-5)}.footer__heading{font-size:var(--fs-xs);font-weight:600;text-transform:uppercase;letter-spacing:.1em;color:var(--white);margin-bottom:var(--s-4)}.footer__col ul{list-style:none;display:grid;gap:.55rem}.footer__col a{font-size:.875rem;line-height:1.45;display:inline-block}.footer__legal{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:var(--s-3) var(--s-6);padding-block:var(--s-5);border-bottom:1px solid rgba(255,255,255,.12)}.footer__legal-links{list-style:none;display:flex;flex-wrap:wrap;gap:var(--s-2) var(--s-5)}.footer__legal-links a{font-weight:500}.footer__copy{font-size:var(--fs-small)}.footer__disclosure{display:grid;gap:var(--s-4);padding-block:var(--s-6) var(--s-8);font-size:.8125rem;line-height:1.7;color:rgba(255,255,255,.64);max-width:1100px}.footer__rebate{display:grid;gap:var(--s-2);padding:var(--s-5);border:1px solid rgba(255,255,255,.12);border-radius:var(--r)}.footer__rebate .footer__heading{margin-bottom:0}@media(max-width:1100px){.footer__top{grid-template-columns:1fr}.footer__cols{grid-template-columns:repeat(3,minmax(0,1fr))}}@media(max-width:640px){.footer__cols{grid-template-columns:repeat(2,minmax(0,1fr))}}.back-to-top{position:fixed;right:var(--s-5);bottom:var(--s-5);z-index:90;display:grid;place-items:center;width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--white);box-shadow:var(--shadow);opacity:0;visibility:hidden;transform:translateY(8px);transition:opacity .25s,transform .25s,visibility .25s}.back-to-top 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var(--s-5);position:relative}.qbe-stat-item+.qbe-stat-item::before{content:'';position:absolute;left:0;top:10%;bottom:10%;width:1px;background:rgba(255,255,255,.15)}@media(max-width:900px){.qbe-stat-item+.qbe-stat-item::before{display:none}}.qbe-stat-item__num{display:block;font-size:clamp(1.75rem,1.4rem + 1vw,2.5rem);font-weight:800;color:var(--white);line-height:1;letter-spacing:-.03em;margin-bottom:.35rem}.qbe-stat-item__suffix{font-size:.65em;color:var(--orange);font-weight:900;vertical-align:super;margin-left:1px}.qbe-stat-item__label{font-size:.8125rem;color:rgba(255,255,255,.65);font-weight:500;text-transform:uppercase;letter-spacing:.07em}.tile{position:relative}.tile::after{content:'';position:absolute;left:0;right:0;top:0;height:0;background:var(--orange);transition:height .3s var(--ease);border-radius:var(--r) var(--r) 0 0;z-index:2}.tile:hover::after{height:4px}.tile:hover .tile__icon{background:var(--cyan);color:var(--white);box-shadow:0 8px 18px -8px rgba(0,154,228,.55)}.tile__more{border-bottom:1.5px solid transparent;transition:color .2s,border-color .2s}.tile:hover .tile__more{color:var(--navy);border-bottom-color:var(--cyan)}.tile--lg .tile__media{aspect-ratio:16/10}.eyebrow .text-orange{color:var(--orange)}.qbe-strip-top.section{padding-top:clamp(3.5rem,3rem + 2vw,5rem)}.pillar{transition:border-color .25s var(--ease)}.pillar:hover{border-top-color:var(--cyan)}.pillar__icon{transition:background-color .25s var(--ease),color .25s var(--ease)}.pillar:hover .pillar__icon{background:var(--cyan);color:var(--white)}.pillar__num{font-size:2.5rem;font-weight:800;color:rgba(0,154,228,.12);letter-spacing:-.05em;line-height:1}.claims-feature{background:var(--navy);color:var(--white);position:relative;overflow:hidden}.claims-feature::before{content:'';position:absolute;left:0;top:0;bottom:0;width:clamp(5px,.5vw,8px);background:var(--orange)}.claims-feature::after{content:'';position:absolute;right:-60px;bottom:-60px;width:420px;height:420px;background-image:url('../brand/qbe-links-symbol.png');background-repeat:no-repeat;background-position:center;background-size:contain;opacity:.12;pointer-events:none}.claims-feature .eyebrow{color:rgba(143,220,255,.9)}.claims-feature .eyebrow::before{background:var(--orange)}.claims-feature h2{color:var(--white)}.claims-feature p{color:rgba(255,255,255,.82)}.claims-feature p a{color:var(--orange);font-weight:600}.claims-feature__grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:clamp(2rem,1.5rem + 3vw,5rem);align-items:center;position:relative;z-index:1}@media(max-width:860px){.claims-feature__grid{grid-template-columns:1fr}}.claims-feature__lead{display:grid;gap:var(--s-4)}.claims-feature .hero__actions{display:flex;gap:var(--s-3);flex-wrap:wrap;margin-top:var(--s-2)}.claims-feature__cards{display:grid;gap:var(--s-3)}.claims-feature .action{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.12);color:var(--white);backdrop-filter:blur(8px)}.claims-feature .action:hover{background:rgba(255,255,255,.12);border-color:var(--cyan);transform:translateY(-2px)}.claims-feature .action__icon{background:rgba(0,154,228,.18);color:var(--cyan)}.claims-feature .action:hover .action__icon{background:var(--cyan);color:var(--white)}.claims-feature .action__title{color:var(--white)}.claims-feature .action__text{color:rgba(255,255,255,.65)}.claims-feature .action__arrow{color:var(--cyan)}.quote-card{background:var(--white);border:1px solid var(--line);border-radius:var(--r);box-shadow:0 2px 12px rgba(0,32,91,.06);transition:box-shadow .25s var(--ease),transform .25s var(--ease)}.quote-card:hover{box-shadow:0 8px 28px -8px rgba(0,32,91,.18);transform:translateY(-3px)}.quote-card__mark{color:var(--orange);width:36px;height:36px}.quote-card figcaption{border-top:2px solid var(--orange);padding-top:var(--s-4)}.quote-card__name{font-weight:700;color:var(--navy);font-size:.9375rem}.quote-card__role{color:var(--cyan);font-weight:500}#testimonial-track{grid-auto-columns:min(420px,88%)}.qbe-dna-section{background:#f5f8fd}.qbe-dna-card{border-left:0;border-radius:var(--r);transition:transform .3s var(--ease),box-shadow .3s var(--ease),border-top-color .3s}.qbe-dna-card::before{content:'';position:absolute;top:0;left:0;right:0;height:4px;background:var(--cyan);border-radius:var(--r) var(--r) 0 0}.qbe-dna-card--accent::before{background:var(--orange)}.qbe-dna-card:hover{transform:translateY(-6px);box-shadow:0 20px 40px -16px rgba(0,32,91,.18)}.qbe-dna-tag{font-size:.7rem;padding:3px 8px;border-radius:var(--r-pill);background:var(--cyan-20);color:var(--navy);font-weight:700;letter-spacing:.01em}.qbe-dna-card--accent .qbe-dna-tag{background:rgba(249,118,10,.12);color:#943500}.qbe-dna-card h3{font-size:clamp(1.1rem,1rem + .3vw,1.25rem);color:var(--navy);letter-spacing:-.015em}.action--card{transition:transform .25s var(--ease),box-shadow .25s var(--ease),border-color .25s var(--ease)}.action--card:hover{border-color:var(--cyan);box-shadow:0 8px 24px -8px rgba(0,32,91,.14)}.action--card:hover .action__icon{background:var(--orange);color:var(--white)}.quick{margin-top:-3rem}.quick__panel{border-top:4px solid var(--orange);box-shadow:0 16px 48px -12px rgba(0,32,91,.2)}.quick__title{color:var(--navy);font-weight:700}.quick .action:hover .action__icon{background:var(--cyan);color:var(--white)}.section:has(#diff-title){background:var(--white)}.section-head .h2,.section-head h2{font-weight:700;color:var(--navy)}.tabs__tab[aria-selected='true']{background:var(--navy);color:var(--white)}.tabs__tab:hover:not([aria-selected='true']){background:rgba(0,154,228,.1);color:var(--navy)}.accordion__trigger[aria-expanded='true'] .accordion__icon{background:var(--cyan);border-color:var(--cyan)}.article-card{border-radius:var(--r);overflow:hidden;transition:transform .25s var(--ease),box-shadow .25s var(--ease)}.article-card:hover{transform:translateY(-4px);box-shadow:0 16px 40px -14px rgba(0,32,91,.2)}[data-reveal]:not(.is-visible){opacity:0;transform:translateY(24px);transition:opacity .6s var(--ease),transform .6s var(--ease)}[data-reveal].is-visible{opacity:1;transform:none}[data-reveal].is-revealed{opacity:1;transform:none}[data-reveal]:nth-child(2){transition-delay:.08s}[data-reveal]:nth-child(3){transition-delay:.16s}[data-reveal]:nth-child(4){transition-delay:.24s}[data-reveal]:nth-child(5){transition-delay:.32s}@keyframes qbe-pulse-orange{0%,100%{box-shadow:0 4px 14px rgba(249,118,10,.28)}50%{box-shadow:0 8px 28px rgba(249,118,10,.52)}}.btn--orange,.btn--primary{animation:qbe-pulse-orange 2.8s ease-in-out infinite}.btn--orange:hover,.btn--primary:hover{animation:none}.site-header.is-scrolled{box-shadow:0 2px 20px rgba(0,32,91,.12)}.site-footer{background:var(--navy-900);position:relative;overflow:hidden}.site-footer::before{content:'';position:absolute;left:0;top:0;right:0;height:clamp(3px,.35vw,5px);background:linear-gradient(90deg,var(--orange) 0%,var(--cyan) 40%,var(--orange) 100%)}.footer-links a:hover{color:var(--cyan)}.footer__social a:hover{color:var(--orange)}@media(max-width:760px){.qbe-stats-band__grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:var(--s-5) var(--s-4)}.qbe-stat-item+.qbe-stat-item::before{display:none}.claims-feature__grid{grid-template-columns:1fr;padding:var(--s-6) 0}.quick{margin-top:-1.5rem}}@media(max-width:480px){.qbe-stats-band{padding:1.5rem 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rgba(0,0,0,.16)}.q-site-footer{background:#00205b;color:#fff;position:relative;overflow:hidden;padding:64px 0 0;z-index:2}.q-site-footer::before{content:'';position:absolute;left:0;top:0;bottom:0;width:20px;background:var(--orange);z-index:5}.q-site-footer__inner{position:relative;z-index:3;max-width:1320px;padding-left:clamp(52px,6.5vw,88px);padding-right:clamp(24px,5vw,64px);padding-bottom:56px;margin-inline:auto}.q-site-footer__grid{display:flex;flex-wrap:wrap;align-items:flex-start;justify-content:space-between;gap:32px clamp(32px,5vw,72px);position:relative}.q-footer-col{display:flex;flex-direction:column;gap:12px;min-width:140px}.q-footer-col a{color:#fff;font-size:14.5px;font-weight:500;text-decoration:none;transition:color .15s ease;display:inline-block;line-height:1.35}.q-footer-col 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ease}.q-footer-dropdown__list a:hover{color:var(--cyan,#009ae4);text-decoration:underline;transform:translateX(2px)}.q-footer-col--social{margin-left:auto;min-width:170px}.q-site-footer h3,.q-footer-col__heading{color:#fff!important;font-size:16px;font-weight:700;margin:0 0 14px 0;letter-spacing:-.01em}.q-social-list{list-style:none;padding:0;margin:0;display:flex;flex-direction:row;align-items:center;gap:12px;flex-wrap:wrap}.q-social-link{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;overflow:hidden;transition:opacity .3s ease;flex-shrink:0}.q-social-link img{width:100%;height:100%;display:block;object-fit:cover;transition:opacity .3s ease}.q-social-link:hover,.q-social-link:hover img{opacity:.6}.q-footer__watermark{position:absolute;right:clamp(-60px,-2vw,-30px);top:clamp(48px,4vw,68px);transform:none;width:clamp(380px,28vw,480px);height:clamp(380px,28vw,480px);opacity:.22;pointer-events:none;z-index:1}.q-back-to-top{position:fixed;right:clamp(20px,2.5vw,32px);bottom:clamp(20px,2.5vw,32px);width:44px;height:44px;border-radius:50%;background:#fff;border:1.5px solid #0077c8;color:#0077c8;display:flex;align-items:center;justify-content:center;box-shadow:none;cursor:pointer;z-index:90;opacity:0;visibility:hidden;transition:opacity .25s ease,visibility .25s ease,box-shadow .25s ease}.q-back-to-top svg{width:18px;height:18px;stroke:#0077c8;stroke-width:2.2}.q-back-to-top.is-visible{opacity:1;visibility:visible}.q-back-to-top:hover{background:#fff;border-color:#0077c8;color:#0077c8;box-shadow:0 6px 20px rgba(0,119,200,.35),0 2px 8px rgba(0,32,91,.12)}.copyRightSec.blueDarkBg{background:#041f50;width:100%;position:relative;z-index:3;padding:24px 0 26px;color:#66799d;font-size:13.5px;line-height:1.55;font-weight:400}.copyRightSec__inner{max-width:1320px;margin-inline:auto;padding-left:clamp(52px,6.5vw,88px);padding-right:clamp(24px,5vw,64px)}.copyRightSec p{margin:0 0 10px 0;color:#66799d;font-weight:400;line-height:1.55}.copyRightSec p:last-child{margin-bottom:0}.copyRightSec a,.copyRightSec .l-color{color:#66799d;text-decoration:none;transition:color .15s ease}.copyRightSec a:hover,.copyRightSec .l-color:hover{color:#fff;text-decoration:underline}.copyRightSec #ikigkv{list-style:none;padding-left:0;margin:0 0 10px 0}.copyRightSec #ikigkv li{margin-bottom:6px;line-height:1.55;color:#66799d}@media(max-width:900px){.copyRightSec.blueDarkBg{font-size:12px;padding:20px 0}.q-help-band__inner{flex-direction:column;align-items:flex-start}.q-footer-col--social{margin-left:0;width:100%}.q-site-footer__grid{gap:28px 40px}.q-footer__watermark{right:-40px;top:auto;bottom:-30px;transform:none;width:320px;height:320px;opacity:.16}}