:root{--navy:#00183a;--navy2:#001330;--gold:#f0a915;--gold2:#c98a06;--ink:#1c2330;--mut:#5c6574;--line:#dfe3e9;--bg:#ffffff;--soft:#f5f3ee;--ok:#1f7a48;--red:#a8322a}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 "Public Sans",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:#1d4f91}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;line-height:1.15;color:var(--navy2);letter-spacing:-.005em}
h1{font-size:clamp(2rem,4.6vw,3.05rem);font-weight:700;margin:.15em 0 .35em}
h2{font-size:clamp(1.45rem,2.8vw,1.95rem);font-weight:700;margin:1.9em 0 .6em}h3{font-size:1.18rem;font-weight:700;margin:.1em 0 .35em}
.wrap{max-width:1000px;margin:0 auto;padding:0 16px}.wrap.wide{max-width:1180px}.narrow{max-width:740px;margin:0 auto}
.util{background:var(--navy2);color:#b9c3cf;font-size:.84rem}.util .wrap{max-width:1180px;display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px}
.util a{color:var(--gold);font-weight:700;text-decoration:none;white-space:nowrap}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.top .wrap{display:flex;align-items:center;gap:34px;min-height:96px;max-width:1180px}
.logo,.flogo{display:block;text-decoration:none;flex:none}.logo img{display:block;height:64px;width:auto}.flogo img{display:block;height:68px;width:auto}
.wm{font:700 1.9rem/1 "Source Serif 4",Georgia,serif;color:var(--navy);letter-spacing:-.01em}.wm em{font-style:normal;color:var(--gold2)}
.flogo{margin-bottom:12px}.flogo .wm{color:#fff;font-size:2rem}.flogo .wm em{color:var(--gold)}
nav{display:flex;gap:22px;flex:1}nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:1rem}nav a:hover{color:var(--gold2)}
.hcta{display:flex;gap:8px}
.btn{display:inline-block;background:linear-gradient(180deg,#f7b92e,#e69c05);box-shadow:0 2px 0 #b07804;color:#14110a;border:0;border-radius:6px;padding:14px 22px;font-family:inherit;font-weight:700;font-size:1.02rem;line-height:1.2;text-decoration:none;cursor:pointer;transition:filter .15s}
.btn:hover{filter:brightness(.95)}.btn.sm{padding:10px 16px;font-size:.95rem}.btn.big{padding:17px 30px;font-size:1.12rem}
.btn.call{background:var(--ok);color:#fff;box-shadow:none}.btn:disabled{opacity:.6}
.lnk{background:none;border:0;color:var(--mut);font:inherit;cursor:pointer;padding:8px 4px}
.hero{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center;padding:40px 0 16px}
.hero.ph{position:relative;margin:0 calc(50% - 50vw);padding:56px calc(50vw - 50% + 16px) 56px;background:linear-gradient(90deg,rgba(0,19,48,.95) 0%,rgba(0,19,48,.86) 50%,rgba(0,19,48,.55) 100%),var(--img) center/cover no-repeat;color:#e6ebf1}
.hero.ph h1{color:#fff}.hero.ph .lead{color:#d6dde6}.hero.ph .first{background:rgba(255,255,255,.07);border-color:var(--gold);color:#e6ebf1}.hero.ph .first a{color:var(--gold)}
.hero .hl{max-width:620px}
.eyebrow{text-transform:uppercase;letter-spacing:.09em;font-weight:700;font-size:.8rem;color:var(--gold);margin:0}
.chk .eyebrow,.hero:not(.ph) .eyebrow{color:var(--gold2)}
.lead{font-size:1.17rem}
.ticks{list-style:none;padding:0;margin:16px 0}.ticks li{padding:3px 0 3px 26px;position:relative;font-weight:600}
.ticks li:before{content:"";position:absolute;left:2px;top:.62em;width:12px;height:7px;border-left:3px solid var(--gold);border-bottom:3px solid var(--gold);transform:rotate(-45deg)}
.first{border-left:3px solid var(--gold);padding:10px 14px;font-size:.98rem;margin-top:16px;background:var(--soft)}
.qcard{background:#fff;color:var(--ink);border-radius:10px;border-top:5px solid var(--gold);padding:24px;box-shadow:0 18px 40px rgba(0,0,0,.3)}
.side .qcard,.narrow .qcard{box-shadow:0 10px 30px rgba(14,26,43,.12);border:1px solid var(--line);border-top:5px solid var(--gold)}
.qt{margin:0 0 2px;font-size:1.4rem}.qs{margin:0 0 14px;color:var(--mut);font-size:.92rem}
.prog{height:4px;background:#ece8df;border-radius:2px;margin:0 0 12px;overflow:hidden}.prog i{display:block;height:100%;background:var(--gold2)}
.qh{font-weight:700;color:var(--navy);margin:0 0 10px;font-size:.98rem}
.chips2{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin-bottom:12px}
.chip{position:relative;cursor:pointer}.chip input{position:absolute;opacity:0}
.chip span{display:flex;align-items:center;border:1.5px solid var(--line);border-radius:6px;padding:11px 12px;font-size:.94rem;font-weight:600;background:#fff;height:100%}
.chip input:checked+span{border-color:var(--navy);background:#f3f5f8;box-shadow:inset 0 0 0 1px var(--navy)}.chip:hover span{border-color:#a9b4c3}
.qf label{display:block;font-size:.93rem;font-weight:600;margin:0 0 10px;color:#2c3645}.opt{font-weight:400;color:var(--mut)}
.qf input:not([type=radio]):not([type=checkbox]),.qf select,.qf textarea,.chkb select{display:block;width:100%;margin-top:4px;padding:12px;border:1.5px solid #c9d0da;border-radius:4px;font:inherit;background:#fff}
.qf input:focus,.qf select:focus,.qf textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 3px rgba(217,180,90,.35)}
.qf .next,.qf .go{width:100%;margin-top:4px}.qnav{display:flex;gap:10px;align-items:center}.qnav .btn{flex:1}
.ck{display:flex!important;gap:8px;font-weight:400!important;font-size:.75rem!important;color:var(--mut)!important;line-height:1.45}.ck input{margin-top:3px;flex:none}
.hp{position:absolute;left:-9999px}.qmsg{color:var(--red);font-size:.92rem;margin:8px 0 0;min-height:1em}.qdone h3{color:var(--ok)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:18px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 20px;text-decoration:none;color:inherit;transition:border-color .15s,box-shadow .15s}
a.card:hover{border-color:#c6b48a;box-shadow:0 6px 18px rgba(14,26,43,.08)}.card p{color:var(--mut);margin:.2em 0 .6em;font-size:.97rem}
.card.st{border-top:3px solid var(--gold)}
.go{color:#1d4f91;font-weight:700;font-size:.95rem}
.chk{background:var(--soft);border:1px solid #e6dfcf;border-radius:12px;padding:26px 28px;margin:40px 0;display:grid;grid-template-columns:.9fr 1.1fr;gap:28px}
.chk h2{margin:.2em 0 .4em}.chkb label{font-weight:700;display:block}.chko{margin-top:14px}.chko .big{font:700 1.3rem/1.3 "Source Serif 4",Georgia,serif;color:var(--navy);margin:0 0 4px}
.chko .tbl{background:#fff}.mut{color:var(--mut)}
.how{border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:6px 0 26px;margin:40px 0}
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:28px;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding-left:52px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;font:700 2.3rem/1 "Source Serif 4",serif;color:var(--gold2)}
.steps b{display:block;color:var(--navy2);font-size:1.08rem;margin-bottom:3px}.steps span{color:var(--mut)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.cta2{background:linear-gradient(120deg,var(--navy2) 0%,#16263d 70%,#2a3b55 140%);color:#cfd7e1;padding:34px 28px;margin:44px 0;display:flex;align-items:center;justify-content:space-between;gap:20px;border-radius:10px;border-left:5px solid var(--gold)}
.cta2 h2{color:#fff;margin:0 0 4px}.cta2 p{margin:0}
.faq details{border-bottom:1px solid var(--line);padding:14px 2px}.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{font-weight:700;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}.faq summary:after{content:"+";color:var(--gold2);font-weight:800;font-size:1.3rem;line-height:1}
.faq details[open] summary:after{content:"–"}.faq summary::-webkit-details-marker{display:none}.faq p{margin:.6em 0 0;color:#38414f}
.crumb{font-size:.87rem;color:var(--mut);margin:16px 0 14px}.crumb a{color:var(--mut)}
.prose{font-size:1.05rem}.prose h2{margin-top:1.6em}.prose li{margin:.35em 0}.upd{color:var(--mut);font-size:.88rem}ol.big li{margin:.7em 0}
.alert{border-left:4px solid var(--red);background:#fbf3f2;padding:14px 18px;font-weight:600}
.gl{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:44px;align-items:start}.side{position:sticky;top:116px;margin-top:24px}
.gl .chk{grid-template-columns:1fr}
.qbox{display:flex;gap:16px;align-items:center;justify-content:space-between;background:var(--soft);border-left:4px solid var(--gold2);padding:18px 20px;margin:28px 0}
.qbox b{display:block;color:var(--navy2);font-size:1.05rem}.qbox span{font-size:.95rem;color:var(--mut)}.zipgo{display:flex;gap:8px;flex:none}
.zipgo input{width:130px;padding:12px;border:1.5px solid #c9d0da;border-radius:4px;font:inherit}
.tbl{width:100%;border-collapse:collapse;font-size:.97rem;margin:10px 0}.tbl th,.tbl td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl th{background:#f1f3f6;color:var(--navy2);font-weight:700}
.chips{display:flex;flex-wrap:wrap;gap:8px 18px}.chips a,.chips span{font-size:.97rem;padding:2px 0}.chips a{font-weight:600;text-decoration:none}.cities{margin-top:18px}
.note{color:var(--mut);font-size:.92rem}
footer{background:var(--navy2);color:#94a0af;margin-top:64px;padding:40px 0 24px;font-size:.93rem}footer .disc:last-child{margin-bottom:0}footer .wrap{max-width:1180px}
.fbrand p{margin:0 0 14px;color:#c4cdd8;max-width:320px}.fbrand .btn{display:inline-block;width:auto}
.fcols{display:grid;grid-template-columns:1.4fr 1fr 1.1fr 1fr;gap:28px}.fcols h4{color:#fff;margin:0 0 10px;font-family:"Source Serif 4",serif;font-size:1.1rem}.fcols a:not(.btn):not(.flogo){display:block;color:#c4cdd8;text-decoration:none;padding:3px 0}
.disc{font-size:.82rem;line-height:1.55;margin-top:18px}
.sticky{display:none}
@media (max-width:960px){nav{display:none}.hero,.gl,.split,.chk{grid-template-columns:1fr}.side{position:static}.steps{grid-template-columns:1fr}.hero{gap:24px}
.hero.ph{padding-top:34px;padding-bottom:34px;background:linear-gradient(180deg,rgba(0,19,48,.92),rgba(0,19,48,.86)),var(--img) center/cover no-repeat}}
@media (max-width:640px){footer{padding-bottom:92px}.util span{display:none}.util .wrap{justify-content:center}.hcta .btn:not(.call){display:none}.logo img{height:46px}.top .wrap{min-height:72px}
.hero .ticks,.hero .first{display:none}.lead{font-size:1.04rem}.qbox,.cta2{flex-direction:column;align-items:stretch}.zipgo input{flex:1;width:auto}.fcols{grid-template-columns:1fr}.chk{padding:20px 16px}
.sticky{display:flex;gap:8px;position:fixed;left:0;right:0;bottom:0;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.08);z-index:30}
.sticky .btn{flex:1;text-align:center}.qcard{padding:18px}.tbl{font-size:.9rem}}