:root{--primary:#0f2c47;--accent:#1f5f8b;--cta:#c8550f;--cta-h:#a8460b;--ink:#16202b;--muted:#5a6673;--line:#e2e7ed;--bg:#fff;--soft:#f3f6f9;--warm:#fbf8f3;--radius:14px;--shadow:0 1px 2px rgba(16,24,40,.06),0 8px 24px rgba(16,24,40,.08)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16.5px/1.65 Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:68px}
h1,h2,h3,.brand-name,.btn,.eyebrow,.stat b,.step-n{font-family:Montserrat,Inter,system-ui,sans-serif}
h1{font-size:clamp(30px,6vw,52px);line-height:1.1;letter-spacing:-.02em;margin:0 0 16px;font-weight:800}
h2{font-size:clamp(24px,3.6vw,36px);line-height:1.2;letter-spacing:-.015em;margin:0 0 14px;font-weight:800}
h3{font-size:19px;line-height:1.3;margin:0 0 8px;font-weight:700}
p{margin:0 0 14px}a{color:var(--accent)}img{max-width:100%;height:auto;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:100}.skip:focus{left:10px}
:focus-visible{outline:3px solid #f5b041;outline-offset:2px}
.ic{width:22px;height:22px;flex:none}
/* top strip + header */
.strip{background:var(--primary);color:#d6e2ee;font-size:13.5px}
.strip .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:7px;padding-bottom:7px}
.strip a{color:#fff;font-weight:700;text-decoration:none;white-space:nowrap}.strip .ic{width:15px;height:15px;vertical-align:-2px;margin-right:5px}
.strip .tagline{display:none}.strip .short{display:inline}
header.top{background:#fff;position:sticky;top:0;z-index:30;box-shadow:0 1px 0 var(--line),0 6px 18px rgba(16,24,40,.05)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 0}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);min-width:0}
.brand svg{flex:none}
.brand-name{display:flex;flex-direction:column;line-height:1.05;font-weight:800;font-size:16px;letter-spacing:-.01em;color:var(--primary)}
.brand-name small{font-size:11.5px;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--cta);margin-top:3px}
nav.main{display:none}
.hdr-call{display:inline-flex;align-items:center;gap:8px;background:var(--cta);color:#fff;text-decoration:none;font-weight:800;border-radius:10px;padding:10px 12px;font-size:15px;white-space:nowrap;font-family:Montserrat,Inter,sans-serif}
.hdr-call:hover{background:var(--cta-h)}.hdr-call .ic{width:18px;height:18px}
.hdr-call .lbl{display:none}
details.mnav{position:relative}
details.mnav summary{list-style:none;cursor:pointer;display:flex;align-items:center;justify-content:center;width:44px;height:44px;border:1px solid var(--line);border-radius:10px;color:var(--primary)}
details.mnav summary::-webkit-details-marker{display:none}
details.mnav[open] .mpanel{display:block}
.mpanel{display:none;position:absolute;right:0;top:52px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;min-width:240px}
.mpanel a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600}.mpanel a:hover{background:var(--soft)}
.hdr-right{display:flex;align-items:center;gap:8px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--cta);color:#fff;text-decoration:none;font-weight:800;padding:14px 22px;border-radius:12px;border:2px solid var(--cta);font-size:17px;cursor:pointer;line-height:1.2;transition:background .15s,transform .15s}
.btn:hover{background:var(--cta-h);border-color:var(--cta-h);transform:translateY(-1px)}
.btn .ic{width:20px;height:20px}
.btn.big{font-size:19px;padding:16px 26px}
.btn.ghost{background:transparent;border-color:rgba(255,255,255,.85);color:#fff}.btn.ghost:hover{background:rgba(255,255,255,.12)}
.btn.outline{background:#fff;color:var(--primary);border-color:var(--primary)}.btn.outline:hover{background:var(--soft)}
.ctas{display:flex;flex-wrap:wrap;gap:12px}
/* hero */
.hero{position:relative;color:#fff;background:var(--primary);overflow:hidden;isolation:isolate}
.hero picture,.hero .bg{position:absolute;inset:0;z-index:-2}
.hero .bg img,.hero picture img{width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(180deg,rgba(9,22,36,.80) 0%,rgba(9,22,36,.72) 55%,rgba(9,22,36,.88) 100%)}
.hero .wrap{padding-top:44px;padding-bottom:48px}
.hero-grid{display:grid;gap:28px;align-items:center}
.eyebrow{display:inline-flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:#fff;font-weight:700;font-size:13px;letter-spacing:.04em;text-transform:uppercase;padding:6px 12px;border-radius:999px;margin-bottom:16px}
.eyebrow .ic{width:15px;height:15px;color:#f7b267}
.hero p.lead{font-size:clamp(17px,2.2vw,20px);color:#e3ebf3;max-width:640px;margin-bottom:24px}
.hero .assure{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:20px;font-size:14.5px;color:#d7e2ec;padding:0;list-style:none}
.hero .assure li{display:flex;align-items:center;gap:6px}.hero .assure .ic{width:17px;height:17px;color:#7fd39b}
.hero-card{background:rgba(255,255,255,.97);color:var(--ink);border-radius:var(--radius);padding:24px;box-shadow:0 20px 50px rgba(0,0,0,.3);display:none}
.hero-card h2{font-size:21px;margin-bottom:6px;color:var(--primary)}
.hero-card ul{list-style:none;padding:0;margin:12px 0 18px}.hero-card li{display:flex;gap:10px;align-items:flex-start;padding:7px 0;border-bottom:1px solid var(--line);font-size:15.5px}
.hero-card li:last-child{border:0}.hero-card li .ic{color:var(--cta);width:20px;height:20px;margin-top:2px}
.hero-card .btn{width:100%}.hero-card .alt-link{display:block;text-align:center;margin-top:10px;font-weight:700;font-size:15px}
.hero.sub .wrap{padding-top:22px;padding-bottom:40px}
.hero.plain::after{background:linear-gradient(135deg,var(--primary),#0a1f33)}
.hero .crumbs{color:#c9d6e2;font-size:13.5px;margin-bottom:18px}.hero .crumbs a{color:#fff}
/* trust bar */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust ul{list-style:none;margin:0;padding:18px 0;display:grid;grid-template-columns:1fr 1fr;gap:14px}
.trust li{display:flex;gap:12px;align-items:center}
.trust .tic{width:44px;height:44px;border-radius:12px;background:#eef4f9;color:var(--accent);display:flex;align-items:center;justify-content:center;flex:none}
.trust b{display:block;font-size:15px;line-height:1.25}.trust span{font-size:13px;color:var(--muted);line-height:1.3;display:block}
/* sections */
section.s{padding:56px 0}section.soft{background:var(--soft)}section.warm{background:var(--warm)}
.kicker{display:inline-block;color:var(--cta);font-weight:800;font-size:13px;letter-spacing:.12em;text-transform:uppercase;margin-bottom:8px;font-family:Montserrat,Inter,sans-serif}
.sec-head{max-width:720px;margin-bottom:28px}.sec-head p{color:var(--muted);font-size:17.5px}
.center{text-align:center;margin-left:auto;margin-right:auto}
.two{display:grid;gap:32px}
.stats{display:grid;gap:14px}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;display:flex;gap:16px;align-items:center;box-shadow:var(--shadow)}
.stat b{font-size:28px;color:var(--primary);min-width:96px;line-height:1}.stat span{color:var(--muted);font-size:15px;line-height:1.45}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.signs{display:grid;gap:14px;grid-template-columns:repeat(auto-fill,minmax(300px,1fr))}
.sign{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;display:flex;gap:14px;align-items:flex-start}
.sign .sic{width:46px;height:46px;border-radius:12px;background:#fdf0e6;color:var(--cta);display:flex;align-items:center;justify-content:center;flex:none}
.sign p{margin:0;font-weight:600;line-height:1.4;padding-top:2px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;box-shadow:var(--shadow);transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-3px);box-shadow:0 2px 4px rgba(16,24,40,.06),0 16px 36px rgba(16,24,40,.12)}
.card .ph{position:relative;aspect-ratio:16/10;background:#dfe6ec;overflow:hidden}.card .ph img{width:100%;height:100%;object-fit:cover}
.card .badge{position:absolute;left:14px;bottom:-22px;width:48px;height:48px;border-radius:12px;background:var(--cta);color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 14px rgba(0,0,0,.18)}
.card .ph{overflow:visible}.card .ph img{border-radius:var(--radius) var(--radius) 0 0}
.card .body{padding:34px 20px 20px;display:flex;flex-direction:column;flex:1}
.card .body p{color:var(--muted);font-size:15.5px}
.card a.more{margin-top:auto;font-weight:800;text-decoration:none;display:inline-flex;align-items:center;gap:6px;color:var(--accent)}
.card a.more .ic{width:18px;height:18px}
.card h3 a{color:inherit;text-decoration:none}
.ctacard{background:linear-gradient(160deg,var(--primary),#0a1c2e);color:#fff;border:0}.ctacard .body{padding:26px 22px}.ctacard h3{color:#fff;font-size:21px}.ctacard .body p{color:#cfdbe6}
.steps{display:grid;gap:18px;counter-reset:st}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative;box-shadow:var(--shadow)}
.step-n{width:52px;height:52px;border-radius:50%;background:var(--primary);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:20px;margin-bottom:14px;box-shadow:0 0 0 6px #e4ecf3}
.step .ic{position:absolute;right:22px;top:24px;width:30px;height:30px;color:#c3d0dc}
.step p{color:var(--muted);margin:0}
ul.check{list-style:none;padding:0;margin:0 0 14px}ul.check li{display:flex;gap:10px;align-items:flex-start;margin:0 0 10px}
ul.check li .ic{color:#2f9e5b;width:20px;height:20px;margin-top:3px}
.towns{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:0 0 14px;list-style:none}
.towns a{display:inline-flex;align-items:center;gap:6px;padding:9px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;color:var(--ink);background:#fff;font-weight:600;font-size:15px}
.towns a:hover{border-color:var(--accent);color:var(--accent)}.towns .ic{width:16px;height:16px;color:var(--cta)}
.area-card{background:var(--primary);color:#fff;border-radius:var(--radius);padding:28px;position:relative;overflow:hidden}
.area-card h3{font-size:22px}.area-card p{color:#d3dfea}.area-card .btn{margin-top:6px}
.area-card .rings{position:absolute;right:-60px;bottom:-60px;width:220px;height:220px;border-radius:50%;border:2px solid rgba(255,255,255,.08);box-shadow:0 0 0 30px rgba(255,255,255,.03),0 0 0 60px rgba(255,255,255,.02)}
.cost{background:#fff;border:1px solid var(--line);border-left:5px solid var(--cta);padding:18px 20px;border-radius:12px;box-shadow:var(--shadow);font-size:16.5px}
.note{font-size:14px;color:var(--muted)}
.disclosure{display:flex;gap:12px;background:#fff8e6;border:1px solid #f0dfa8;border-radius:12px;padding:14px 16px;font-size:14.5px;color:#5b4a14;margin-top:22px}
.disclosure .ic{color:#b7861a;width:20px;height:20px;margin-top:2px}
details.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0;margin:10px 0;box-shadow:0 1px 2px rgba(16,24,40,.04)}
details.faq summary{font-weight:700;cursor:pointer;padding:16px 48px 16px 18px;position:relative;list-style:none}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:24px;color:var(--cta);font-weight:700}
details.faq[open] summary::after{content:"–"}
details.faq p{padding:0 18px 16px;margin:0;color:var(--muted)}
.article{font-size:17px}.article h2{margin-top:34px;font-size:clamp(22px,3vw,28px)}.article > p:first-child{font-size:18.5px}
.article ul{padding-left:20px}
.article ol{padding-left:22px}.article li{margin-bottom:6px}.article h3{margin-top:24px;font-size:20px}
.article .tbl{overflow-x:auto;margin:18px 0}.article table{border-collapse:collapse;width:100%;font-size:15.5px;background:#fff}
.article th,.article td{border:1px solid var(--line);padding:10px 12px;text-align:left;vertical-align:top}.article th{background:var(--soft);font-weight:700}
.article .byline{display:flex;flex-wrap:wrap;gap:6px 16px;color:var(--muted);font-size:14.5px;margin:0 0 18px}
.article .sources{font-size:15px}.related{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:18px 20px;margin:26px 0}
.related h3{margin:0 0 8px;font-size:18px}.related ul{margin:0;padding-left:18px}
.card .date{color:var(--muted);font-size:13.5px;font-weight:600;display:block;margin-bottom:6px}
.layout{display:grid;gap:32px}
.side .box{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);margin-bottom:18px}
.side .callbox{background:var(--primary);color:#fff;border:0}
.side .callbox h3{color:#fff}.side .callbox p{color:#d3dfea;font-size:15px}
.side .callbox .btn{width:100%;margin-bottom:10px}.side .callbox .btn.ghost{font-size:16px}
.side ul.links{list-style:none;padding:0;margin:0}.side ul.links li{border-top:1px solid var(--line)}.side ul.links li:first-child{border:0}
.side ul.links a{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:10px 2px;text-decoration:none;color:var(--ink);font-weight:600;font-size:15.5px}
.side ul.links a:hover{color:var(--accent)}.side ul.links .ic{width:16px;height:16px;color:var(--muted)}
.feature-img{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin:0 0 26px}.feature-img img{width:100%;aspect-ratio:2/1;object-fit:cover}
.article .step{padding:20px}.article .step p{font-size:15px}
/* cta band */
.band{background:linear-gradient(135deg,var(--primary) 0%,#0a1c2e 100%);color:#fff;position:relative;overflow:hidden}
.band::before{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:radial-gradient(circle,rgba(255,255,255,.08),rgba(255,255,255,0) 70%)}
.band .wrap{padding-top:52px;padding-bottom:52px;display:grid;gap:22px;align-items:center;position:relative}
.band h2{color:#fff;margin-bottom:8px}.band p{color:#d3dfea;margin:0;font-size:17.5px}
.band .phone-big{display:inline-flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-family:Montserrat,Inter,sans-serif;font-weight:800;font-size:clamp(26px,4vw,38px);letter-spacing:-.01em}
.band .phone-big .ic{width:34px;height:34px;padding:7px;background:var(--cta);border-radius:50%;box-sizing:content-box}
/* forms */
.formcard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:var(--shadow)}
form.lead{display:grid;gap:14px}
form.lead label{font-weight:700;font-size:14.5px;display:block;margin-bottom:5px}
form.lead input,form.lead select,form.lead textarea{width:100%;font:inherit;padding:12px 14px;border:1px solid #c5ced8;border-radius:10px;background:#fff}
form.lead input:focus,form.lead select:focus,form.lead textarea:focus{border-color:var(--accent);outline:3px solid rgba(31,95,139,.18)}
form.lead .btn{width:100%}
/* footer */
footer{background:#0b1724;color:#b9c6d3;font-size:14.5px}
footer .wrap{padding-top:48px;padding-bottom:28px}
footer .cols{display:grid;gap:30px}
footer h4{color:#fff;font-family:Montserrat,Inter,sans-serif;font-size:15px;letter-spacing:.06em;text-transform:uppercase;margin:0 0 12px}
footer a{color:#e7eef5;text-decoration:none}footer a:hover{text-decoration:underline}
footer ul{list-style:none;padding:0;margin:0}footer li{margin:0 0 8px}
footer .brand .brand-name{color:#fff}
footer .fphone{display:inline-flex;align-items:center;gap:10px;font-family:Montserrat,Inter,sans-serif;font-weight:800;font-size:24px;color:#fff;margin:6px 0 12px}
footer .fphone .ic{width:22px;height:22px;color:#f7b267}
footer .legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:18px;display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:space-between;font-size:13.5px}
/* sticky mobile call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:40;display:grid;grid-template-columns:1.6fr 1fr;gap:8px;padding:8px;background:rgba(255,255,255,.97);box-shadow:0 -6px 20px rgba(16,24,40,.12);border-top:1px solid var(--line)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 8px;font-weight:800;text-decoration:none;font-size:16px;font-family:Montserrat,Inter,sans-serif;white-space:nowrap}
.callbar .c1{background:var(--cta);color:#fff}.callbar .c2{background:var(--primary);color:#fff}
.callbar .ic{width:18px;height:18px}
@media(min-width:560px){.trust ul{grid-template-columns:repeat(4,1fr)}.hdr-call .lbl{display:inline}.strip .tagline{display:inline}.strip .short{display:none}}
@media(max-width:559px){.hero .ctas .btn,.band .ctas .btn{width:100%}.hero .wrap{padding-top:32px}}
@media(min-width:760px){.steps{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:1.15fr .85fr;align-items:start}footer .cols{grid-template-columns:1.4fr 1fr 1fr 1.1fr}.band .wrap{grid-template-columns:1.3fr 1fr}.band .act{justify-self:end;text-align:right}}
@media(min-width:960px){
 body{padding-bottom:0}.callbar{display:none}
 nav.main{display:flex;gap:4px;align-items:center}
 nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px;padding:8px 10px;border-radius:8px}
 nav.main a:hover{background:var(--soft);color:var(--accent)}
 details.mnav{display:none}
 .bar{padding:12px 0}.brand-name{font-size:18px}
 .hdr-call{padding:12px 18px;font-size:16px}
 .hero .wrap{padding-top:84px;padding-bottom:92px}
 .hero.sub .wrap{padding-top:30px;padding-bottom:64px}
 .hero-grid{grid-template-columns:1.35fr .9fr;gap:56px}
 .hero-card{display:block}
 section.s{padding:80px 0}
 .layout{grid-template-columns:minmax(0,1fr) 340px;gap:48px}
 .side{position:sticky;top:96px;align-self:start}
 .hero::after{background:linear-gradient(90deg,rgba(9,22,36,.90) 0%,rgba(9,22,36,.74) 55%,rgba(9,22,36,.45) 100%)}
}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}