:root{--navy:#1F2A44;--navy2:#16203a;--amber:#F2A900;--red:#C8102E;--grey:#EEF1F5;--text:#2B2F36;--muted:#5A6472;--r:14px;--sh:0 8px 28px rgba(31,42,68,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Open Sans",system-ui,sans-serif;font-size:17.5px;line-height:1.65;color:var(--text);background:#fff;padding-bottom:0}
h1,h2,h3{font-family:Montserrat,system-ui,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.2vw,3rem);font-weight:800}h2{font-size:clamp(1.5rem,3vw,2.1rem);font-weight:800}h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}a{color:var(--navy)}img,svg{max-width:100%;height:auto}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}.narrow{max-width:820px}.center{text-align:center}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.topbar{background:var(--navy2);color:#cfd6e4;font-size:.82rem;text-align:center;padding:6px 0}
.site-header{background:#fff;border-bottom:1px solid #e3e7ee;position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;gap:18px;min-height:72px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;font-family:Montserrat,system-ui,sans-serif;font-weight:800;font-size:1.2rem;color:var(--navy);white-space:nowrap}
.logo b{color:var(--amber)}.logo-light{color:#fff}
.nav{display:flex;gap:18px;margin-left:auto}.nav a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--navy)}.nav a:hover,.nav a[aria-current]{color:#b57f00}
.hdr-cta{display:flex;align-items:center;gap:14px}.hdr-phone{font-weight:700;text-decoration:none;white-space:nowrap}
.menu-btn{display:none;margin-left:auto;background:none;border:2px solid var(--navy);border-radius:8px;padding:6px 12px;font-weight:700;color:var(--navy)}
.btn{display:inline-block;font-family:Montserrat,system-ui,sans-serif;font-weight:700;text-decoration:none;border-radius:10px;padding:14px 24px;min-height:48px;border:2px solid transparent;cursor:pointer;font-size:1rem;text-align:center}
.btn-amber{background:var(--amber);color:var(--navy)}.btn-amber:hover{background:#ffbd1a}
.btn-navy{background:var(--navy);color:#fff}.btn-outline-navy{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-block{width:100%}.link-light{color:#fff;font-weight:600}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#2c3b5f 100%);color:#fff;padding:56px 0 64px}
.hero h1{color:#fff}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:44px;align-items:start}
.badge{display:inline-block;background:var(--red);color:#fff;font-weight:700;font-size:.8rem;letter-spacing:.03em;padding:5px 12px;border-radius:99px;margin-bottom:14px;text-transform:uppercase}
.sub{font-size:1.15rem;color:#e6eaf2}.ticks{list-style:none;padding:0;margin:0 0 24px}.ticks li{padding-left:30px;position:relative;margin:6px 0;font-weight:600}
.ticks li:before{content:"✔";position:absolute;left:0;color:var(--amber)}
.hero-btns{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.card{background:#fff;border-radius:var(--r);box-shadow:var(--sh);border:1px solid #e6e9ef}.pad{padding:24px}
.quote-form{padding:26px;color:var(--text)}.quote-form.big{padding:32px}
.form-title{font-size:1.35rem;margin-bottom:12px}
.quote-form label{display:block;font-weight:600;font-size:.92rem;margin-bottom:12px}
.quote-form input,.quote-form select,.quote-form textarea{display:block;width:100%;margin-top:5px;font:inherit;font-weight:400;padding:12px 14px;border:1.5px solid #c9d0db;border-radius:9px;background:#fff}
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:3px solid rgba(242,169,0,.45);border-color:var(--amber)}
.quote-form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.88rem}.consent input{width:auto;margin-top:4px}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.hp{position:absolute;left:-9999px}.fine{font-size:.8rem;color:var(--muted);margin:12px 0 0}
.form-msg{padding:12px;border-radius:9px;margin-bottom:12px;font-weight:600}.form-msg.err{background:#fde8eb;color:#8a0c20}
.sec{padding:64px 0}.bg-grey{background:var(--grey)}.bg-navy{background:var(--navy);color:#e6eaf2}.bg-navy h2,.bg-navy h3{color:#fff}
.intro{padding:34px 0 0}.answer{font-size:1.12rem;border-left:5px solid var(--amber);padding:6px 0 6px 18px;color:var(--navy)}
.lead{font-size:1.1rem;color:var(--muted);max-width:760px;margin-left:auto;margin-right:auto}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-bottom:28px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.tile{display:block;padding:28px;text-decoration:none;color:var(--text);transition:transform .15s}.tile:hover{transform:translateY(-3px)}
.tile ul{padding-left:18px;margin:0 0 14px}.more{font-weight:700;color:#9a6c00}.ico{font-size:2rem;display:block;margin-bottom:8px}
.why{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--r);padding:22px}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}.split.rev>div:first-child{order:2}
.checks{list-style:none;padding:0}.checks li{padding-left:30px;position:relative;margin:9px 0}.checks li:before{content:"✔";position:absolute;left:0;color:#c48a00;font-weight:700}
.source{font-size:.85rem;color:var(--muted)}.arrow{font-weight:700;color:#9a6c00}.arrow:after{content:" →"}
.photo-ph{aspect-ratio:4/3;display:flex;align-items:center;justify-content:center;background:repeating-linear-gradient(45deg,#f4f6f9,#f4f6f9 12px,#eceff4 12px,#eceff4 24px);color:var(--muted);text-align:center;padding:20px;font-weight:600}
.plan{padding:16px;margin:0}.plan figcaption{font-size:.85rem;color:var(--muted);margin-top:8px}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.steps li{counter-increment:s;background:var(--grey);border-radius:var(--r);padding:24px;position:relative}
.steps li:before{content:counter(s);display:flex;width:40px;height:40px;border-radius:50%;background:var(--amber);color:var(--navy);font-family:Montserrat,system-ui,sans-serif;font-weight:800;align-items:center;justify-content:center;margin-bottom:10px}
.bg-grey .steps li{background:#fff}
.reviews{margin-top:20px}.review{padding:24px;margin:0}.stars{color:var(--amber);font-size:1.15rem;letter-spacing:2px}.review blockquote{margin:8px 0 12px;font-style:italic}.review figcaption{font-size:.9rem;color:var(--muted)}
.faq{border-bottom:1px solid #e3e7ee;padding:18px 0}.faq h3{margin-bottom:.35em}.faq p{margin:0}
.band-amber{background:var(--amber)}.band-amber h2{margin-bottom:.3em}.cta-band{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}.cta-band p{margin:0;color:var(--navy)}.cta-btns{display:flex;gap:14px;flex-wrap:wrap}
.corridor{padding:30px;display:flex;flex-direction:column;align-items:center}.corridor .line{width:4px;height:44px;background:repeating-linear-gradient(var(--navy),var(--navy) 6px,transparent 6px,transparent 12px)}
.corridor .pin{background:var(--navy);color:#fff;font-weight:700;font-family:Montserrat,system-ui,sans-serif;padding:10px 20px;border-radius:99px}.corridor .pin.m{background:var(--amber);color:var(--navy)}
.page-hero{background:var(--grey);padding:56px 0 40px}.page-hero .answer{background:#fff;border-radius:0 10px 10px 0;padding:14px 18px}
.prose h2{margin-top:1.6em}.tbl{width:100%;border-collapse:collapse;margin:10px 0 20px}.tbl th,.tbl td{text-align:left;padding:12px;border-bottom:1px solid #dfe3ea}.tbl th{background:var(--navy);color:#fff}
.area-list{columns:2;padding-left:18px;margin:0}
.site-footer{background:var(--navy);color:#cfd6e4;padding:52px 0 0;font-size:.95rem}.site-footer a{color:#fff;display:block;text-decoration:none;margin:4px 0}.site-footer a:hover{color:var(--amber)}
.site-footer h3{color:#fff;font-size:1rem}.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:30px}
.disclose{font-size:.85rem;color:#aeb8ca}.fbottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding:18px 22px 26px;font-size:.8rem;color:#9aa5b9}.fbottom a{display:inline;color:#cfd6e4}
.sticky-cta{display:none}
@media (max-width:1020px){.nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:16px 22px;border-bottom:1px solid #e3e7ee}.nav.open{display:flex}.menu-btn{display:block}.hdr-cta .btn{display:none}.hdr{position:relative}}
@media (max-width:900px){.hero-grid,.split,.grid-3,.grid-4,.fgrid,.grid-2{grid-template-columns:1fr}.split.rev>div:first-child{order:0}.steps{grid-template-columns:1fr 1fr}.sec{padding:46px 0}
.sticky-cta{display:flex;position:fixed;bottom:0;left:0;right:0;gap:8px;padding:8px;background:#fff;box-shadow:0 -4px 16px rgba(0,0,0,.12);z-index:60}.sticky-cta .btn{flex:1;padding:12px}body{padding-bottom:68px}.topbar{font-size:.72rem}}
@media (max-width:560px){.row2,.steps{grid-template-columns:1fr}.hdr-phone{display:none}.area-list{columns:1}.logo span{font-size:1.05rem}}
.photo{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;padding:0}