:root{--navy:#0b2545;--navy2:#13395f;--blue:#13538a;--aqua:#16a3c4;--ice:#eaf6fb;--sand:#f6f9fb;--orange:#c2410c;--orange-d:#9a3412;--ink:#18222d;--muted:#4b5966;--line:#d9e4ec;--white:#fff;--radius:14px;--shadow:0 6px 24px rgba(11,37,69,.10)}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}
img,svg{max-width:100%;height:auto}
a{color:var(--blue);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--aqua);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:1000}
.skip:focus{left:0}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,4.6vw,3rem)}
h2{font-size:clamp(1.45rem,3vw,2.05rem);margin-top:1.6em}
h3{font-size:1.2rem}
p{margin:0 0 1.1em}
ul,ol{padding-left:1.3em;margin:0 0 1.2em}
li{margin-bottom:.4em}

/* top bar */
.topbar{background:linear-gradient(90deg,#071a33,#0e3a63 55%,#0b6a8a);color:#fff;font-size:.95rem}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-top:9px;padding-bottom:9px}
.topbar-msg{display:flex;align-items:center;gap:10px;margin:0;line-height:1.35}
.live{width:10px;height:10px;border-radius:50%;background:#3ddc84;flex:none;box-shadow:0 0 0 0 rgba(61,220,132,.7);animation:pulse 1.8s infinite}
@keyframes pulse{70%{box-shadow:0 0 0 10px rgba(61,220,132,0)}100%{box-shadow:0 0 0 0 rgba(61,220,132,0)}}
.topbar strong{color:#aee9f7}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;background:var(--orange);color:#fff;font-weight:700;text-decoration:none;padding:.8rem 1.4rem;border-radius:999px;border:2px solid var(--orange);font-size:1rem;line-height:1.2;cursor:pointer;transition:background .15s,transform .15s}
.btn:hover{background:var(--orange-d);border-color:var(--orange-d);color:#fff;transform:translateY(-1px)}
.btn svg{width:18px;height:18px;flex:none}
.btn-sm{padding:.5rem 1.05rem;font-size:.95rem;white-space:nowrap}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-ghost:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn-lg{padding:1rem 1.8rem;font-size:1.1rem}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.1;font-size:1.05rem}
.brand b{color:var(--aqua)}
.brand svg{width:34px;height:34px;flex:none}
#primary-nav ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:4px}
#primary-nav li{margin:0;position:relative}
#primary-nav a{display:block;padding:.6rem .8rem;color:var(--navy);text-decoration:none;font-weight:600;font-size:.98rem;border-radius:8px}
#primary-nav a:hover,#primary-nav a[aria-current="page"]{background:var(--ice)}
#primary-nav .sub{display:none;position:absolute;left:0;top:100%;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;flex-direction:column;align-items:stretch}
#primary-nav li:hover>.sub,#primary-nav li:focus-within>.sub{display:flex}
#primary-nav .sub a{font-weight:500}
.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:.6rem 1rem;font-weight:700;font-size:1rem;cursor:pointer}

/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(22,163,196,.35),transparent 60%),linear-gradient(135deg,#071a33,#0e3a63);color:#fff;padding:64px 0 72px}
.hero h1,.page-hero h1{color:#fff}
.hero .lead{font-size:1.2rem;color:#d7ecf5;max-width:760px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:center}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:1.4rem 0 .4rem}
.badges{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:1.2rem 0 0}
.badges li{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);padding:.35rem .8rem;border-radius:999px;font-size:.9rem;margin:0}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.hero-card h2{font-size:1.3rem;margin:0 0 .5rem}
.hero-card .phone{display:block;font-size:1.9rem;font-weight:800;color:var(--orange);text-decoration:none;margin:.2rem 0 .6rem}
.hero-card ul{list-style:none;padding:0;margin:0 0 1rem}
.hero-card li{padding-left:1.6rem;position:relative}
.hero-card li::before{content:"";position:absolute;left:0;top:.55em;width:.9rem;height:.5rem;border-left:3px solid var(--aqua);border-bottom:3px solid var(--aqua);transform:rotate(-45deg)}
.page-hero{background:linear-gradient(135deg,#0b2545,#13538a);color:#fff;padding:44px 0 48px}
.page-hero .lead{font-size:1.15rem;color:#d7ecf5;max-width:780px;margin-bottom:0}
.crumbs{background:var(--sand);border-bottom:1px solid var(--line);font-size:.9rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:10px 20px;max-width:1180px;margin-inline:auto}
.crumbs li{margin:0}
.crumbs li+li::before{content:"/";margin-right:6px;color:var(--muted)}

/* sections */
section{padding:56px 0}
.alt{background:var(--sand)}
.center{text-align:center}
.center .lead-sm{max-width:720px;margin-inline:auto}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 2px 10px rgba(11,37,69,.04)}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);margin-bottom:.8em}
.card .more{font-weight:700;text-decoration:none}
.card .more::after{content:" \2192"}
.card ul{margin:.4rem 0 .8rem;padding-left:1.1em}
.icon{width:46px;height:46px;border-radius:12px;background:var(--ice);display:grid;place-items:center;margin-bottom:12px}
.icon svg{width:26px;height:26px}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding-left:56px;margin-bottom:1.1rem}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.aside-card{background:var(--navy);color:#fff;border-radius:var(--radius);padding:24px;position:sticky;top:90px}
.aside-card h2,.aside-card h3{color:#fff;font-size:1.25rem;margin-top:0}
.aside-card .btn{width:100%}
.aside-card p{color:#cfe4ee;font-size:.96rem}
.related{background:var(--sand);border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin-top:20px}
.related h3{font-size:1.05rem}
.related ul{list-style:none;padding:0;margin:0}
.related a{font-weight:600}
.referral-note{background:var(--ice);border-left:5px solid var(--aqua);padding:14px 18px;border-radius:8px;font-size:.96rem;margin:1.5rem 0}
.faq h3{margin-top:1.3em}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.chips li{margin:0}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:.45rem 1rem;text-decoration:none;font-weight:600;color:var(--navy)}
.chips a:hover{background:var(--navy);color:#fff}
.cta-band{background:linear-gradient(120deg,#0b2545,#13538a);color:#fff;text-align:center;padding:56px 0}
.cta-band h2{color:#fff;margin-top:0}
.cta-band p{color:#d7ecf5;max-width:680px;margin-inline:auto}
.cta-band .cta-row{justify-content:center}
.post-meta{color:var(--muted);font-size:.92rem}

/* form */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:600;margin:0 0 .3rem;font-size:.95rem}
input,select,textarea{width:100%;font:inherit;padding:.75rem .9rem;border:1px solid #b9c8d3;border-radius:10px;background:#fff;color:var(--ink)}
textarea{min-height:130px;resize:vertical}
.field{margin-bottom:16px}
.hp{position:absolute;left:-9999px}
.small{font-size:.88rem;color:var(--muted)}

/* footer */
.site-footer{background:#071a33;color:#c5d6e2;padding:56px 0 24px;font-size:.96rem}
.site-footer h2{color:#fff;font-size:1.05rem;margin:0 0 .8rem}
.site-footer a{color:#c5d6e2;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.35rem}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.foot-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;font-size:.88rem}
.callbar{display:none}

@media (max-width:980px){
 .g3,.g4{grid-template-columns:repeat(2,1fr)}
 .hero-grid,.two-col{grid-template-columns:1fr}
 .aside-card{position:static}
 .foot-grid{grid-template-columns:1fr 1fr}
 .js .menu-btn{display:inline-block}
 .js #primary-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow);max-height:calc(100vh - 120px);overflow:auto}
 .js #primary-nav.open{display:block}
 #primary-nav ul{flex-direction:column;align-items:stretch;padding:10px 20px 18px}
 #primary-nav .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 0 14px;min-width:0}
 .nav-wrap{position:relative}
}
@media (max-width:640px){
 body{font-size:16.5px;padding-bottom:64px}
 .g2,.g3,.g4,form .row{grid-template-columns:1fr}
 .foot-grid{grid-template-columns:1fr}
 .topbar .wrap{flex-direction:column;align-items:flex-start;gap:8px}
 .topbar .btn{width:100%}
 .hero{padding:44px 0 52px}
 section{padding:42px 0}
 .callbar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:8px 12px;box-shadow:0 -4px 16px rgba(0,0,0,.12)}
 .callbar a{width:100%}
 .brand{font-size:.95rem}
}
@media (prefers-reduced-motion:reduce){.live{animation:none}html{scroll-behavior:auto}.btn{transition:none}}

.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.lead-sm{font-size:1.1rem;color:var(--muted)}
.ul-plain{list-style:none;padding:0}