/* TERMINO ROME, LLC - policy-safe insurance referral layout */
*{box-sizing:border-box;margin:0;padding:0}
:root{
  --ink:#17211d;--muted:#647067;--paper:#fffdf7;--panel:#ffffff;--line:#d9e1d8;
  --brand:#1f4d3a;--brand-2:#2f7d63;--accent:#d99a2b;--soft:#eef6f0;
  --danger:#b42318;--success:#126c43;--shadow:0 24px 70px rgba(23,33,29,.12)
}
html,body{font-family:Inter,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.7;background:var(--paper)}
body.iqp-standalone{margin:0;padding:0;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body.iqp-standalone img{max-width:100%;height:auto}.iqp-wrapper{min-height:100vh;background:radial-gradient(circle at top left,#f5eddb 0,#fffdf7 32%,#f6fbf7 100%)}
.iqp-container{max-width:1180px;margin:0 auto;padding:0 24px}
.iqp-compliance-bar{background:#17211d;color:#f6ead2;padding:12px 20px;text-align:center;font-size:.9rem;border-bottom:3px solid var(--accent)}
.iqp-compliance-bar strong{color:#fff}.iqp-header{position:sticky;top:0;z-index:100;background:rgba(255,253,247,.94);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.iqp-header .iqp-container{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:18px;padding-bottom:18px}.iqp-logo{font-family:Poppins,Inter,sans-serif;font-size:1.1rem;font-weight:800;letter-spacing:.02em;color:var(--brand);display:flex;align-items:center;gap:10px;text-transform:uppercase}.logo-icon{display:inline-grid;place-items:center;width:32px;height:32px;border-radius:50%;background:var(--brand);color:#fff;font-size:.85rem}.iqp-nav{display:flex;align-items:center;gap:8px;flex-wrap:wrap}.iqp-nav a{color:var(--ink);text-decoration:none;font-size:.92rem;font-weight:700;padding:9px 12px;border-radius:999px;transition:.22s ease}.iqp-nav a:hover{background:var(--soft);color:var(--brand)}
.iqp-hero{padding:78px 0 64px;position:relative;overflow:hidden}.iqp-hero:before{content:"";position:absolute;right:-160px;top:-180px;width:520px;height:520px;border-radius:50%;background:rgba(31,77,58,.1)}.iqp-hero .iqp-container{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(320px,.95fr);gap:52px;align-items:center;position:relative}.iqp-hero-content{max-width:640px}.iqp-hero-content h1{font-family:Poppins,Inter,sans-serif;font-size:clamp(2.2rem,5vw,4.15rem);line-height:1.05;font-weight:900;letter-spacing:-.055em;color:var(--ink);margin:0 0 20px}.iqp-lead{font-size:1.12rem;color:var(--muted);margin:0 0 28px;max-width:620px}.iqp-form-disclaimer{font-size:.86rem;color:var(--muted);margin-top:15px;background:#fff9e9;border:1px solid #ead7a9;border-radius:14px;padding:12px 14px}.iqp-or{font-size:.78rem;font-weight:900;letter-spacing:.14em;text-transform:uppercase;color:#89714a;margin:18px 0}
.iqp-call-button{display:inline-flex;align-items:center;justify-content:center;background:var(--brand);color:#fff;text-decoration:none;border:0;border-radius:999px;padding:15px 26px;font-family:Poppins,Inter,sans-serif;font-size:1rem;font-weight:800;box-shadow:0 14px 32px rgba(31,77,58,.22);cursor:pointer;transition:.22s ease}.iqp-call-button:hover{background:#153629;transform:translateY(-2px)}.iqp-call-button:active{transform:translateY(0)}
.iqp-hero-graphic{background:linear-gradient(145deg,#ffffff,#edf6f1);border:1px solid var(--line);border-radius:34px;padding:34px;box-shadow:var(--shadow);position:relative}.iqp-hero-graphic:after{content:"Independent Referral Service";display:block;margin-top:20px;text-align:center;color:var(--brand);font-weight:900;font-size:.9rem;letter-spacing:.08em;text-transform:uppercase}.iqp-hero-graphic svg{width:100%;height:auto;display:block;filter:none}.iqp-hero-graphic rect[fill="url(#heroGrad)"]{fill:#eef6f0!important;opacity:1}.iqp-hero-graphic circle{fill:#1f4d3a!important}.iqp-hero-graphic rect{fill:#2f7d63!important}.iqp-hero-graphic path{fill:#fff!important}
.iqp-form-section{padding:70px 0;background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.iqp-form{max-width:760px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:28px;padding:38px;box-shadow:var(--shadow)}.iqp-form h3{font-family:Poppins,Inter,sans-serif;font-size:1.75rem;line-height:1.2;margin-bottom:8px;color:var(--ink)}.iqp-form-subtitle{color:var(--muted);margin-bottom:25px}.iqp-form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}.iqp-field{margin-bottom:18px}.iqp-field label{display:block;font-weight:800;color:var(--ink);font-size:.88rem;margin-bottom:8px}.iqp-field input,.iqp-field textarea,.iqp-contact-form input,.iqp-contact-form textarea{width:100%;border:1px solid var(--line);background:#fbfaf5;color:var(--ink);border-radius:14px;padding:13px 15px;font:inherit;transition:.2s ease}.iqp-field textarea{min-height:120px;resize:vertical}.iqp-field input:focus,.iqp-field textarea:focus,.iqp-contact-form input:focus,.iqp-contact-form textarea:focus{outline:0;border-color:var(--brand-2);box-shadow:0 0 0 4px rgba(47,125,99,.12);background:#fff}.iqp-field input::placeholder,.iqp-field textarea::placeholder{color:#a5aea8}.iqp-consent-checkbox{display:flex;align-items:flex-start;gap:12px;background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:16px;margin:22px 0;color:#405047;font-size:.85rem;line-height:1.6;cursor:pointer}.iqp-consent-checkbox input{width:18px;height:18px;margin-top:4px;accent-color:var(--brand);flex:0 0 auto}.iqp-consent-checkbox a,.iqp-link{color:var(--brand);font-weight:800;text-decoration:none;border-bottom:1px solid currentColor}.iqp-submit{width:100%;border:0;border-radius:999px;background:var(--accent);color:#1f1606;padding:15px 20px;font-family:Poppins,Inter,sans-serif;font-size:1rem;font-weight:900;cursor:pointer;transition:.22s ease;box-shadow:0 12px 25px rgba(217,154,43,.22)}.iqp-submit:hover{transform:translateY(-2px);background:#c88618}.iqp-submit:disabled{opacity:.65;cursor:not-allowed;transform:none}.iqp-error{background:#fff1f1;color:var(--danger);padding:14px 16px;border-radius:14px;border:1px solid #f3b6b1;margin-top:15px}.iqp-success{background:#ecfdf3;color:var(--success);padding:22px;border-radius:18px;border:1px solid #bfe8cf;text-align:center;margin-top:15px}.iqp-success h4{font-size:1.1rem;margin-bottom:6px;color:var(--success)}
.iqp-features{padding:86px 0;background:linear-gradient(180deg,#f6fbf7,#fffdf7)}.iqp-features h2{font-family:Poppins,Inter,sans-serif;text-align:center;font-size:clamp(1.9rem,4vw,3rem);line-height:1.1;margin-bottom:44px;color:var(--ink);letter-spacing:-.04em}.iqp-features-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.iqp-feature-card{background:rgba(255,255,255,.88);border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:0 12px 30px rgba(23,33,29,.06);transition:.22s ease;text-align:left}.iqp-feature-card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.iqp-feature-icon{width:44px;height:44px;border-radius:14px;background:var(--brand);color:#fff;display:grid;place-items:center;font-family:Poppins,Inter,sans-serif;font-weight:900;margin-bottom:18px}.iqp-feature-card h4{font-family:Poppins,Inter,sans-serif;font-size:1.15rem;margin-bottom:9px;color:var(--ink)}.iqp-feature-card p{color:var(--muted);font-size:.96rem}
.iqp-stats{background:var(--brand);color:#fff;padding:46px 0}.iqp-stats .iqp-container{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.iqp-stat-card{text-align:center;padding:18px;border:1px solid rgba(255,255,255,.18);border-radius:20px;background:rgba(255,255,255,.06)}.iqp-stat-number{font-family:Poppins,Inter,sans-serif;font-size:2.4rem;font-weight:900;color:#f6d38b}.iqp-stat-label{font-weight:700;color:#e7f0ea}
.iqp-content{max-width:960px;margin:0 auto;padding:66px 24px}.iqp-content h1{font-family:Poppins,Inter,sans-serif;font-size:clamp(2rem,4vw,3.4rem);line-height:1.08;letter-spacing:-.045em;margin:0 0 24px;color:var(--ink)}.iqp-content h2{font-family:Poppins,Inter,sans-serif;font-size:1.45rem;color:var(--brand);margin:34px 0 12px}.iqp-content h3{font-size:1.15rem;margin:24px 0 10px;color:var(--ink)}.iqp-content p{margin-bottom:16px;color:#35413a}.iqp-content ul,.iqp-content ol{padding-left:24px;margin-bottom:18px}.iqp-content li{margin-bottom:9px;color:#35413a}.iqp-content>h1+ p,.iqp-content>p:first-of-type{font-size:1.05rem;color:var(--muted)}
.iqp-steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin:36px 0}.iqp-step{position:relative;background:#fff;border:1px solid var(--line);border-radius:24px;padding:28px;box-shadow:0 12px 32px rgba(23,33,29,.06)}.iqp-step-number{position:absolute;top:18px;right:20px;font-family:Poppins,Inter,sans-serif;font-size:2.1rem;line-height:1;font-weight:900;color:rgba(31,77,58,.18)}.iqp-step h3{font-family:Poppins,Inter,sans-serif;margin-top:0;color:var(--brand)}
.iqp-faq-item{background:#fff;border:1px solid var(--line);border-radius:18px;padding:18px 20px;margin:14px 0;box-shadow:0 8px 20px rgba(23,33,29,.04)}.iqp-faq-item summary{cursor:pointer;font-weight:900;color:var(--ink);font-size:1rem}.iqp-faq-item p{margin-top:12px;color:var(--muted)}
.iqp-contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;margin-top:34px}.iqp-contact-info,.iqp-contact-form{background:#fff;border:1px solid var(--line);border-radius:24px;padding:26px;box-shadow:0 12px 32px rgba(23,33,29,.06)}.iqp-contact-info h3,.iqp-contact-form h3{font-family:Poppins,Inter,sans-serif;margin:0 0 14px;color:var(--ink)}.iqp-contact-info a{color:var(--brand);font-weight:800}.iqp-contact-form input,.iqp-contact-form textarea{margin-bottom:14px}.iqp-contact-form textarea{min-height:140px}
.iqp-modal{position:fixed;inset:0;background:rgba(23,33,29,.72);display:flex;align-items:center;justify-content:center;z-index:1000;padding:20px}.iqp-modal-content{width:min(560px,100%);background:#fff;border-radius:26px;padding:28px;box-shadow:var(--shadow);border:1px solid var(--line)}.iqp-modal-content h3{font-family:Poppins,Inter,sans-serif;color:var(--ink);font-size:1.35rem;margin-bottom:12px}.iqp-modal-text{background:var(--soft);border:1px solid var(--line);border-radius:18px;padding:16px;margin:16px 0;max-height:320px;overflow:auto}.iqp-modal-text p{margin:8px 0;color:#3d4a43;font-size:.92rem}.iqp-modal-buttons{display:flex;gap:12px}.iqp-modal-accept,.iqp-modal-cancel{flex:1;border:0;border-radius:999px;padding:13px 15px;font-weight:900;cursor:pointer}.iqp-modal-accept{background:var(--brand);color:#fff}.iqp-modal-cancel{background:#eef0eb;color:var(--ink)}
.iqp-footer{background:#101713;color:#dce9df;padding:52px 0 40px;margin-top:0}.iqp-footer-links{display:flex;justify-content:center;flex-wrap:wrap;gap:12px;margin-bottom:22px}.iqp-footer-links a{color:#dce9df;text-decoration:none;font-weight:800;padding:8px 10px;border-radius:999px}.iqp-footer-links a:hover{background:rgba(255,255,255,.08);color:#fff}.iqp-footer-disclaimer{max-width:1000px;margin:0 auto 18px;text-align:center;color:#adc1b5;font-size:.82rem;line-height:1.7;border-top:1px solid rgba(255,255,255,.12);padding-top:22px}.iqp-copyright{text-align:center;color:#7f9487;font-size:.82rem}
@media(max-width:900px){.iqp-hero .iqp-container,.iqp-contact-grid{grid-template-columns:1fr}.iqp-hero-graphic{order:-1;max-width:520px;margin:auto}.iqp-features-grid,.iqp-stats .iqp-container,.iqp-steps{grid-template-columns:1fr 1fr}.iqp-nav{display:none}}
@media(max-width:640px){.iqp-container{padding:0 18px}.iqp-header .iqp-container{justify-content:center}.iqp-logo{font-size:.95rem}.iqp-hero{padding:48px 0}.iqp-form{padding:24px;border-radius:22px}.iqp-form-row,.iqp-features-grid,.iqp-stats .iqp-container,.iqp-steps{grid-template-columns:1fr}.iqp-modal-buttons{flex-direction:column}.iqp-content{padding:48px 18px}.iqp-call-button{width:100%}}