:root{--navy:#1b3a7a;--navy-d:#132b5c;--green:#1f7a3d;--green-d:#176130;--red:#c8202f;--ink:#1d2533;--muted:#5a6575;--line:#dfe4ea;--bg:#ffffff;--band:#f3f6fa;--card:#ffffff;--pad:16px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 Lato,Arial,sans-serif}
h1,h2,h3{font-family:Montserrat,Arial,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(30px,4.6vw,46px);font-weight:800}
h2{font-size:clamp(23px,3vw,31px);font-weight:700;margin-top:1.2em}
h3{font-size:19px}
a{color:var(--navy)}
img,video{max-width:100%;height:auto;display:block}
.wrap{max-width:1140px;margin:0 auto;padding:0 var(--pad)}
.narrow{max-width:780px}
.center{text-align:center}
section{padding:48px 0}
.band{background:var(--band)}
.preview-bar{background:#fff3cd;color:#664d03;font:600 14px/1.4 Arial,sans-serif;text-align:center;padding:8px var(--pad)}

/* header */
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
.top-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:8px;padding-bottom:8px}
.logo img{width:150px;height:auto}
.nav{display:flex;align-items:center;gap:22px;font:600 15px Montserrat,Arial,sans-serif}
.nav a{text-decoration:none;color:var(--ink)}
.nav a[aria-current]{color:var(--green)}
.nav .nav-phone{color:var(--navy)}
.nav-t,.nav-b{display:none}
@media (max-width:900px){
 .nav-b{display:block;font-size:28px;cursor:pointer;color:var(--navy);padding:4px 8px}
 .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;border-bottom:1px solid var(--line);padding:8px var(--pad) 16px}
 .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
 .nav .btn{margin-top:12px;text-align:center;border:0}
 .nav-t:checked~.nav{display:flex}
 .logo img{width:120px}
}

/* buttons */
.btn{display:inline-block;background:var(--green);color:#fff !important;text-decoration:none;font:700 16px Montserrat,Arial,sans-serif;padding:12px 22px;border-radius:8px;border:0;cursor:pointer}
.btn:hover{background:var(--green-d)}
.btn-sm{padding:9px 16px;font-size:14px}
.btn-lg{padding:15px 28px;font-size:17px}
.btn-ghost{background:transparent;color:var(--navy) !important;border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff !important}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}

/* hero */
.hero{background:linear-gradient(180deg,#f3f6fa 0%,#fff 100%);padding:44px 0 56px}
.hero-in{display:grid;grid-template-columns:1.05fr 1fr;gap:40px;align-items:center}
.eyebrow{font:700 14px Montserrat,Arial,sans-serif;letter-spacing:.08em;text-transform:uppercase;color:var(--red);margin:0 0 10px}
.lead{font-size:19px;color:var(--muted)}
.ticks{list-style:none;padding:0;margin:16px 0 0}
.ticks li{padding-left:30px;position:relative;margin:6px 0;font-weight:700}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:800}
.hero-video video{border-radius:12px;box-shadow:0 10px 30px rgba(20,40,80,.18);width:100%;aspect-ratio:16/9;object-fit:cover;background:#000}
.cap{font-size:14px;color:var(--muted);margin-top:8px;text-align:center}
@media (max-width:900px){.hero-in{grid-template-columns:1fr}}

.answer{font-size:19px}
.page-head{background:var(--band);padding:40px 0}
.crumbs{font-size:14px;color:var(--muted);margin:0 0 8px}
.crumbs a{color:var(--muted)}

.cards4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:20px}
.card p{margin:0;color:var(--muted)}
@media (max-width:900px){.cards4{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.cards4{grid-template-columns:1fr}}

.steps{counter-reset:s;list-style:none;padding:0;max-width:820px;margin:20px auto}
.steps li{counter-increment:s;position:relative;padding:0 0 18px 56px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font:800 18px/38px Montserrat,Arial,sans-serif;text-align:center}

.two{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.two img{border-radius:12px;border:1px solid var(--line)}
@media (max-width:900px){.two{grid-template-columns:1fr}}

details.qa{background:#fff;border:1px solid var(--line);border-radius:10px;margin:10px 0;padding:0 18px}
details.qa summary{cursor:pointer;font:700 17px Montserrat,Arial,sans-serif;color:var(--navy);padding:14px 0;list-style:none}
details.qa summary::-webkit-details-marker{display:none}
details.qa summary:after{content:"+";float:right;color:var(--green);font-size:22px;line-height:1}
details.qa[open] summary:after{content:"−"}
.a p{margin:.4em 0 .8em}
.faq-list h2{font-size:22px;margin-top:1.6em}

.city-chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.city-chips a{display:inline-block;border:1px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none;background:#fff}
.city-chips a:hover{border-color:var(--navy)}
.state-grid{columns:3 280px;column-gap:32px}
.state-grid>div{break-inside:avoid;margin-bottom:22px}
.state-grid h2{font-size:20px;margin:0 0 6px}
.state-grid ul{margin:0;padding-left:18px}

.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin:16px 0}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px}
.stat b{display:block;font:800 28px Montserrat,Arial,sans-serif;color:var(--navy)}
.stat span{color:var(--muted);font-size:15px}
.note{font-size:14px;color:var(--muted)}
@media (max-width:700px){.stats{grid-template-columns:1fr}}

table.cmp{width:100%;border-collapse:collapse;margin:16px 0;font-size:16px}
table.cmp th,table.cmp td{border-bottom:1px solid var(--line);padding:10px 8px;text-align:left;vertical-align:top}
table.cmp thead th{color:var(--navy);font-family:Montserrat,Arial,sans-serif}
.wide-video{width:100%;aspect-ratio:16/9;border-radius:12px;background:#000;margin:12px 0 24px}
.legal h2{font-size:21px}

/* form */
.form-wrap{max-width:620px}
.offer-form{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px 24px;box-shadow:0 8px 24px rgba(20,40,80,.08)}
.form-h{margin-top:0}
.form-sub{color:var(--muted);margin-top:0}
.offer-form label{display:block;font:700 14px Montserrat,Arial,sans-serif;margin:12px 0 4px}
.offer-form .opt{font-weight:400;color:var(--muted)}
.offer-form input[type=text],.offer-form input[type=tel],.offer-form input[type=email],.offer-form textarea{width:100%;padding:12px;border:1px solid #c9d1db;border-radius:8px;font:16px Lato,Arial,sans-serif}
.offer-form input:focus,.offer-form textarea:focus{outline:2px solid var(--navy);border-color:var(--navy)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:480px){.row2{grid-template-columns:1fr;gap:0}.offer-form{padding:22px 16px}}
.consent{margin-top:18px;border-top:1px solid var(--line);padding-top:6px}
.offer-form label.ck{display:flex;gap:10px;align-items:flex-start;font:400 13px/1.45 Lato,Arial,sans-serif;margin:12px 0}
.ck input{margin-top:2px;width:18px;height:18px;flex:none}
.offer-form .btn{width:100%;margin-top:16px}
.fine{font-size:12.5px;color:var(--muted);margin-top:12px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

/* footer */
.foot{background:var(--navy-d);color:#cfd8e6;padding:36px 0 20px;font-size:15px}
.foot a{color:#fff}
.foot-in{display:flex;justify-content:space-between;gap:28px;flex-wrap:wrap}
.foot-in img{background:#fff;border-radius:8px;padding:6px;margin-bottom:10px}
.foot-links{display:grid;grid-template-columns:repeat(2,auto);gap:8px 32px;align-content:start}
.disclaimer{font-size:12.5px;color:#a9b6c9;margin-top:18px;border-top:1px solid rgba(255,255,255,.15);padding-top:14px}