:root{--navy:#12294a;--navy2:#1c3a66;--ink:#17202c;--mut:#5a6575;--line:#dde3ea;--bg:#f6f7f9;--amber:#e8a33d;--amber2:#d48f26;--r:12px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;background:#e6ebf1}
.tel{display:none;color:var(--navy);font-weight:700;text-decoration:none;font-size:15px;white-space:nowrap}@media(min-width:1100px){.tel{display:inline}}a{color:var(--navy2)}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:760px}
h1,h2,h3,h4{line-height:1.2;letter-spacing:-.4px;margin:0 0 .5em}
h2{font-size:28px}@media(min-width:800px){h2{font-size:34px}}
.kick{font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--amber2);margin:0 0 10px}.kick a{color:inherit}
.kick.light{color:#f3c27a}
.center{text-align:center}
/* header */
.top{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid #e9edf2}
.bar{display:flex;align-items:center;gap:20px;height:64px}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;color:var(--navy);font-size:19px;font-weight:600;letter-spacing:-.3px}.logo b{font-weight:800;margin-left:3px}
.nav{display:none;gap:22px;margin-left:auto}.nav a{color:#334;text-decoration:none;font-size:15px;font-weight:500}.nav a:hover,.nav a[aria-current]{color:var(--navy2)}
@media(min-width:960px){.nav{display:flex}}
.bar .btn{margin-left:auto}@media(min-width:960px){.bar .btn{margin-left:0}}
/* buttons */
.btn{display:inline-block;background:var(--amber);color:#1a1200;font-weight:700;text-decoration:none;border:0;border-radius:9px;padding:14px 22px;font:inherit;font-weight:700;font-size:16px;cursor:pointer;transition:background .15s,transform .05s}
.btn:hover{background:var(--amber2)}.btn:active{transform:translateY(1px)}
.btn.sm{padding:9px 14px;font-size:14px}.btn.lg{padding:16px 28px;font-size:17px}.btn.full{width:100%;padding:16px;font-size:17px;margin-top:18px}
.btn:disabled{opacity:.6;cursor:default}
/* hero */
.hero,.phero.city{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.hero .bg,.phero .bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero:before,.phero.city:before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(100deg,rgba(10,24,45,.88) 0%,rgba(10,24,45,.7) 45%,rgba(10,24,45,.35) 100%)}
.hgrid{position:relative;z-index:2;display:grid;gap:28px;padding-top:40px;padding-bottom:48px;align-items:center}
@media(min-width:960px){.hgrid{grid-template-columns:1.1fr .9fr;gap:48px;padding-top:72px;padding-bottom:80px}}
.hero h1,.phero.city h1{font-size:34px;letter-spacing:-.8px}@media(min-width:800px){.hero h1{font-size:48px}.phero.city h1{font-size:44px}}
.sub{font-size:18px;color:inherit;opacity:.92;max-width:34em;margin:0 0 18px}
.ticks{list-style:none;padding:0;margin:20px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px;font-weight:600;font-size:15px}
.ticks li{display:flex;align-items:center;gap:8px}.ticks li:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--amber)}
/* form card */
.card{background:#fff;color:var(--ink);border-radius:16px;padding:26px 22px;box-shadow:0 24px 60px rgba(8,20,40,.28),0 2px 6px rgba(8,20,40,.08)}
@media(min-width:560px){.card{padding:30px}}
.card h2{font-size:22px;margin:0 0 4px}.card .lead{margin:0 0 6px;color:var(--mut);font-size:15px}
.qform label{display:block;font-weight:600;font-size:14px;margin:14px 0 6px;color:#2a3442}.opt{font-weight:400;color:#8a94a3}
.qform input[type=text],.qform input:not([type]),.qform input[type=tel]{width:100%;padding:13px 14px;font:inherit;font-size:16px;border:1px solid var(--line);border-radius:9px;background:#fff;color:var(--ink)}
.qform input:focus{outline:0;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(28,58,102,.15)}
.row{display:grid;grid-template-columns:1.5fr 1fr;gap:12px}
.need{border:0;padding:0;margin:14px 0 0}.need legend{font-weight:600;font-size:14px;margin-bottom:8px;color:#2a3442}
.need{display:grid;grid-template-columns:1fr 1fr;gap:8px}.need legend{grid-column:1/-1}
.need label{margin:0;cursor:pointer}.need input{position:absolute;opacity:0;pointer-events:none}
.need span{display:block;text-align:center;padding:10px 6px;border:1px solid var(--line);border-radius:9px;font-size:14px;font-weight:600;color:#334}
.need input:checked+span{border-color:var(--navy2);background:#eef3fa;color:var(--navy);box-shadow:inset 0 0 0 1px var(--navy2)}
.need input:focus-visible+span{outline:2px solid var(--navy2);outline-offset:2px}
.err{color:#b42318;font-size:14px;margin:10px 0 0}
.fine{margin:12px 0 0;font-size:11.5px;color:#7d8796;line-height:1.5}.fine a{color:inherit}
.okbox{text-align:center;padding:24px 4px}.okbox h2{font-size:24px}.okbox p{color:var(--mut)}
/* sections */
section{scroll-margin-top:80px}
.band{background:var(--bg);border-bottom:1px solid #eef1f4}.three{display:grid;gap:20px;padding-top:36px;padding-bottom:36px}
@media(min-width:800px){.three{grid-template-columns:repeat(3,1fr);gap:36px}}.three h3{font-size:18px;margin-bottom:4px}.three p{margin:0;color:var(--mut)}
.how,.guides,.split{padding-top:72px}.how h2,.guides h2{margin-bottom:28px}.how>.kick,.how>h2,.guides>.kick,.guides>h2{text-align:center}
.steps{display:grid;gap:22px}@media(min-width:800px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border:1px solid #e8ecf1;border-radius:var(--r);overflow:hidden;position:relative;box-shadow:0 4px 18px rgba(16,32,60,.05)}
.step img{aspect-ratio:3/2;object-fit:cover;width:100%;height:auto}
.step b{position:absolute;top:14px;left:14px;width:34px;height:34px;border-radius:50%;background:var(--amber);color:#1a1200;display:flex;align-items:center;justify-content:center;font-size:16px}
.step h3,.step p{padding:0 20px}.step h3{font-size:19px;margin-top:18px}.step p{color:var(--mut);margin:0 0 20px}
.split{display:grid;gap:32px;align-items:center}@media(min-width:960px){.split{grid-template-columns:1fr 1fr;gap:56px}}
.stext>p{color:var(--mut);font-size:17px}
.feat{display:grid;gap:16px;margin-top:22px}.feat h4{font-size:17px;margin:0 0 2px}.feat p{margin:0;color:var(--mut)}
.feat>div{padding-left:16px;border-left:3px solid var(--amber)}
.mosaic{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mosaic img{border-radius:var(--r);aspect-ratio:4/3;object-fit:cover;width:100%;height:auto}
.mosaic img:nth-child(2){transform:translateY(24px)}.mosaic img:nth-child(4){transform:translateY(24px)}
.gcards{display:grid;gap:22px}@media(min-width:800px){.gcards{grid-template-columns:repeat(3,1fr)}}
.gcard{display:block;text-decoration:none;color:inherit;border:1px solid #e8ecf1;border-radius:var(--r);overflow:hidden;transition:box-shadow .2s,transform .2s}
.gcard:hover{box-shadow:0 12px 30px rgba(16,32,60,.12);transform:translateY(-2px)}
.gcard img{aspect-ratio:5/3;object-fit:cover;width:100%;height:auto}.gcard h3{font-size:19px;padding:18px 20px 0}.gcard p{padding:0 20px 18px;margin:0;color:var(--mut)}
.faq{padding-top:72px}.faq h2{text-align:center;margin-bottom:24px}
details{border-bottom:1px solid var(--line);padding:4px 0}details summary{cursor:pointer;list-style:none;padding:16px 36px 16px 0;font-weight:600;font-size:17px;position:relative}
details summary::-webkit-details-marker{display:none}details summary:after{content:"+";position:absolute;right:6px;top:12px;font-size:24px;color:var(--amber2);font-weight:400}
details[open] summary:after{content:"\2013"}details div{padding:0 0 18px;color:var(--mut)}
.cta{margin-top:80px;background:var(--navy);color:#fff;text-align:center;padding:56px 0}.cta p{opacity:.85;font-size:17px;margin:0 auto 22px;max-width:36em}
/* inner pages */
.phero{background:var(--bg);padding:48px 0 36px;border-bottom:1px solid #eef1f4}.phero.short{padding:40px 0 28px}
.phero h1{font-size:34px}@media(min-width:800px){.phero h1{font-size:42px}}.phero .sub{color:var(--mut)}
.phero.city{padding:0}.phero.city .sub{color:#fff}
.meta{font-size:14px;color:#8a94a3;margin:0}
.prose{padding-top:32px;font-size:17px}.prose h2{font-size:25px;margin-top:1.6em}.prose li{margin:.35em 0}.prose figure{margin:28px 0}.prose figure img{border-radius:var(--r);width:100%;height:auto}
.lead-img{margin-top:0!important}
.callout{background:#fff8ec;border:1px solid #f3dcb4;border-left:4px solid var(--amber);border-radius:10px;padding:16px 18px;margin:24px 0}.src{display:block;font-size:14px;color:var(--mut);margin-top:6px}
table{width:100%;border-collapse:collapse;font-size:15px;margin:16px 0}th,td{text-align:left;padding:10px 8px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--bg)}
.links a,.chips a{display:inline-block;margin:0 14px 8px 0}
.chip{border:1px solid var(--line);border-radius:999px;padding:8px 14px;text-decoration:none;font-size:15px;background:#fff}.chip:hover{border-color:var(--navy2)}
.states{padding-top:28px}.srow{border-bottom:1px solid var(--line);padding:14px 0}.srow h3{font-size:19px;margin:0 0 4px}.srow p{margin:0;color:var(--mut)}
.qwrap{display:grid;gap:28px;padding-top:28px}@media(min-width:900px){.qwrap{grid-template-columns:1.1fr .9fr;align-items:start}}
.qwrap .card{box-shadow:0 10px 40px rgba(8,20,40,.12);border:1px solid #e8ecf1}
.side{background:var(--bg);border-radius:16px;padding:24px}.side ol{padding-left:20px}.side li{margin:.5em 0}.side img{border-radius:var(--r);margin-top:16px}.small{font-size:14px;color:var(--mut)}
/* footer */
.foot{margin-top:0;background:#0c1c33;color:#c3cbd6;padding:52px 0 0;font-size:15px}
.cta+.foot{margin-top:0}main>*:last-child:not(.cta){margin-bottom:72px}
.fgrid{display:grid;gap:28px}@media(min-width:800px){.fgrid{grid-template-columns:2fr 1fr 1fr 1fr}}
.foot .logo{color:#fff}.foot h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin-bottom:12px}
.foot a{color:#c3cbd6;text-decoration:none;display:block;margin:6px 0}.foot a:hover{color:#fff}.foot .logo{display:flex}
.disc{font-size:13px;color:#93a0b2}
.legal{border-top:1px solid #1e3150;margin-top:36px;padding-top:18px;padding-bottom:22px;font-size:13px;color:#7f8ca0}.legal a{display:inline;color:inherit;text-decoration:underline}