:root{--navy:#0E2540;--navy-2:#034F9C;--blue:#004F9E;--orange:#AB1309;--orange-d:#8c0f07;--gold:#E6B82A;--sky:#F6F6F8;--ink:#0E2540;--muted:#5A6777;--line:#DFE2E6;--white:#fff;--max:1120px;--r:12px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);line-height:1.6;background:var(--white)}
img{max-width:100%;display:block}
a{color:var(--navy-2)}
h1,h2,h3{font-family:"Barlow Condensed","Inter",system-ui,sans-serif;line-height:1.05;color:var(--navy);font-weight:800;text-transform:uppercase;letter-spacing:.01em}
h1{font-size:clamp(2.6rem,6vw,4.4rem)}
h2{font-size:clamp(2rem,4vw,3rem);margin-bottom:.75rem}
h3{font-size:1.45rem;margin-bottom:.4rem}
p{margin-bottom:1rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 1.25rem}
.btn{display:inline-flex;align-items:center;gap:.5rem;background:var(--orange);color:#fff;font-weight:700;padding:.9rem 1.5rem;border-radius:999px;text-decoration:none;font-size:1.05rem;transition:background .15s}
.btn:hover{background:var(--orange-d)}
nav.main a.btn,.hero a.btn,a.btn,a.btn:visited,a.btn:hover{color:#fff}
.btn.ghost{background:transparent;color:#fff;border:2px solid #fff}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.lg{font-size:1.2rem;padding:1.1rem 2rem}

/* top bar */
.topbar{background:var(--navy);color:#dbe6f5;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:38px;flex-wrap:wrap;gap:.25rem 1rem}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:1rem}
.logo{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:var(--navy);font-family:"Barlow Condensed",sans-serif;font-weight:800;font-size:1.5rem;text-transform:uppercase;line-height:1}
.logo img{height:56px;width:auto}
.logo small{display:block;font-family:"Inter",sans-serif;font-size:.7rem;font-weight:600;text-transform:none;color:var(--muted);letter-spacing:0}
nav.main{display:flex;gap:1.5rem;align-items:center}
nav.main a{text-decoration:none;color:var(--navy-2);font-weight:600}
nav.main a:hover{color:var(--orange)}
@media(max-width:760px){nav.main .link{display:none}}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#0d4f8f 0,var(--navy) 55%,#081a33 100%);color:#fff;padding:4.5rem 0 5rem}
.hero .wrap{display:grid;grid-template-columns:1.2fr .8fr;gap:3rem;align-items:center}
.hero h1{color:#fff;margin-bottom:1rem}
.hero .lead{font-size:1.2rem;color:#d6e2f3;max-width:34rem}
.hero .eyebrow{display:inline-block;background:rgba(230,184,42,.15);border:1px solid rgba(230,184,42,.6);color:var(--gold);font-weight:700;padding:.3rem .8rem;border-radius:999px;font-size:.85rem;margin-bottom:1rem;letter-spacing:.04em;text-transform:uppercase}
.hero .cta{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.5rem 0 1rem}
.hero .trust{display:flex;gap:1.25rem;flex-wrap:wrap;font-size:.9rem;color:#b9c9e0}
.hero .trust span::before{content:"\2713";color:var(--gold);font-weight:900;margin-right:.35rem}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--r);padding:1.6rem;box-shadow:0 20px 60px rgba(0,0,0,.35)}
.hero-card h3{color:var(--navy);font-size:1.1rem}
.hero-card ul{list-style:none;margin:.75rem 0 1.25rem}
.hero-card li{padding:.45rem 0;border-bottom:1px solid var(--line);display:flex;justify-content:space-between;font-size:.95rem}
.hero-card li:last-child{border:0}
.hero-card li strong{color:var(--navy-2)}
.hero-card .phone{display:block;text-align:center;font-size:1.5rem;font-weight:900;color:var(--navy);text-decoration:none}
.hero-card small{display:block;text-align:center;color:var(--muted)}
@media(max-width:860px){.hero .wrap{grid-template-columns:1fr}.hero{padding:3rem 0}}

section{padding:4rem 0}
section.alt{background:var(--sky)}
.center{text-align:center}
.sub{color:var(--muted);max-width:46rem;margin:0 auto 2.5rem}
.grid{display:grid;gap:1.5rem}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c4{grid-template-columns:repeat(4,1fr)}
.grid.c2{grid-template-columns:repeat(2,1fr)}
@media(max-width:900px){.grid.c3,.grid.c4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:600px){.grid.c3,.grid.c4,.grid.c2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.6rem}
.card .ico{width:48px;height:48px;border-radius:10px;background:var(--sky);color:var(--orange);display:grid;place-items:center;font-size:1.4rem;margin-bottom:.9rem}
.card p{margin:0;color:var(--muted);font-size:.97rem}
.steps{counter-reset:s}
.step{position:relative;padding-left:3.4rem}
.step::before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:2.5rem;height:2.5rem;border-radius:50%;background:var(--orange);color:#fff;font-weight:900;display:grid;place-items:center}
.signs li{padding:.5rem 0 .5rem 1.8rem;position:relative;border-bottom:1px dashed var(--line)}
.signs li::before{content:"\26A0";position:absolute;left:0;color:var(--orange)}
.reviews .card{position:relative}
.reviews .stars{color:var(--gold);letter-spacing:.1em;margin-bottom:.5rem}
.reviews cite{display:block;margin-top:.9rem;font-style:normal;font-weight:700;color:var(--navy)}
.faq details{border-bottom:1px solid var(--line);padding:1rem 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.05rem;list-style:none;display:flex;justify-content:space-between}
.faq summary::after{content:"+";color:var(--orange);font-weight:900}
.faq details[open] summary::after{content:"\2013"}
.faq details p{margin:.75rem 0 0;color:var(--muted)}
.cta-band{background:var(--orange);color:#fff;text-align:center;padding:3.5rem 0}
.cta-band h2{color:#fff}
.cta-band .btn{background:var(--navy);color:#fff}
.cta-band .btn:hover{background:#081a33;color:#fff}

/* footer */
footer.site{background:var(--navy);color:#c5d3e6;padding:3rem 0 1.5rem;font-size:.95rem}
footer.site .grid{gap:2rem}
footer.site h4{color:#fff;margin-bottom:.75rem;font-size:1rem;text-transform:uppercase;letter-spacing:.06em}
footer.site a{color:#fff;text-decoration:none}
footer.site a:hover{text-decoration:underline}
footer.site address{font-style:normal;line-height:1.7}
footer.site ul{list-style:none}
footer.site li{margin-bottom:.4rem}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.25rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:.5rem 1.5rem;font-size:.85rem;color:#93a6c2}
.sms-note{font-size:.85rem;color:#93a6c2;margin-top:1rem;line-height:1.55}

/* legal pages */
.doc{max-width:820px;margin:0 auto;padding:3rem 1.25rem 4rem}
.doc h1{margin-bottom:.25rem}
.doc .meta{color:var(--muted);margin-bottom:2rem}
.doc h2{font-size:1.4rem;margin:2rem 0 .6rem}
.doc h3{font-size:1.1rem;margin:1.25rem 0 .4rem}
.doc ul,.doc ol{margin:0 0 1rem 1.4rem}
.doc li{margin-bottom:.4rem}
.doc .callout{background:var(--sky);border-left:4px solid var(--orange);padding:1rem 1.25rem;border-radius:0 8px 8px 0;margin:1.25rem 0}
.doc table{width:100%;border-collapse:collapse;margin:1rem 0;font-size:.95rem}
.doc th,.doc td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left;vertical-align:top}
.doc th{background:var(--sky)}
.gold{color:var(--gold)}
.badges{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.25rem}
.badge{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff;padding:.4rem .8rem;border-radius:8px;font-size:.85rem;font-weight:700;font-family:"Barlow Condensed",sans-serif;text-transform:uppercase;letter-spacing:.04em}
.promo{background:var(--orange);color:#fff;text-align:center;font-weight:800;font-family:"Barlow Condensed",sans-serif;text-transform:uppercase;letter-spacing:.05em;padding:.5rem 1rem;font-size:1.05rem}
.areas{display:flex;flex-wrap:wrap;gap:.6rem;justify-content:center}
.areas span{background:#fff;border:1px solid var(--line);padding:.5rem 1rem;border-radius:999px;font-weight:700;color:var(--navy);font-family:"Barlow Condensed",sans-serif;text-transform:uppercase;letter-spacing:.04em}
.tip{background:#fff7e0;border-left:4px solid var(--gold);padding:1rem 1.25rem;border-radius:0 8px 8px 0;font-weight:600;color:var(--navy);max-width:820px;margin:0 auto}
footer.site .logo{color:#fff;margin-bottom:.75rem}
footer.site .logo small{color:#93a6c2}