:root{--navy:#0d3b5c;--navy2:#0a2e48;--teal:#1a9e6f;--teal2:#14855c;--mint:#e8f6f0;--sky:#eef4f8;--ink:#1f2a33;--muted:#5b6b75;--line:#d6e4e1;--shadow:0 6px 20px rgba(13,59,92,.10)}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;min-height:100vh;display:flex;flex-direction:column;font:17.5px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
main{flex:1 0 auto}.foot{flex-shrink:0}
.wrap{max-width:1140px;margin:0 auto;padding:0 22px}.narrow{max-width:760px}.prose{padding-top:32px;padding-bottom:48px}
a{color:#0b5fa5}h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.2vw,3.1rem);letter-spacing:-.02em}h2{font-size:clamp(1.5rem,2.6vw,2rem);margin-top:1.4em}h3{font-size:1.2rem}
p{margin:0 0 1em;max-width:72ch}.lead{font-size:1.15em;color:#34444f}.small{font-size:.9rem;color:var(--muted)}
.eyebrow{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--teal);margin:0 0 .4em}
/* header */
.top{background:var(--navy);position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:68px}
.logo{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-size:1.2rem;font-weight:600}.logo b{color:#7fe0b7}
.menu{display:flex;align-items:center;gap:6px}.menu a{color:#e3f4ec;text-decoration:none;padding:10px 12px;border-radius:8px}.menu a:hover{background:rgba(255,255,255,.08)}
.menu a.btn{color:#fff;margin-left:8px}
.navtoggle{position:absolute;opacity:0;pointer-events:none}.burger{display:none;cursor:pointer;padding:12px;margin-right:-12px}
.burger span{display:block;width:24px;height:3px;background:#fff;margin:5px 0;border-radius:2px}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;background:var(--teal);color:#fff;border:0;border-radius:10px;padding:13px 22px;font:600 1rem/1.2 inherit;text-decoration:none;cursor:pointer;min-height:48px;box-shadow:0 2px 0 var(--teal2)}
.btn:hover{background:var(--teal2)}.btn-sm{padding:10px 16px;min-height:44px;font-size:.95rem}.btn-lg{min-height:54px;font-size:1.05rem;padding:14px 26px}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--navy);box-shadow:none}.btn-ghost:hover{background:var(--sky)}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#0f5a7d 55%,var(--teal) 130%);color:#fff;padding:56px 0 64px}
.herogrid{display:grid;grid-template-columns:1.25fr 1fr;gap:40px;align-items:center}.hero h1{color:#fff}.hero .lead{color:#dcefe8}.hero .eyebrow{color:#7fe0b7}
.herobox{background:#fff;color:var(--ink);border-radius:16px;padding:24px;box-shadow:0 14px 40px rgba(0,0,0,.25)}.herobox h2{margin-top:0;font-size:1.4rem}
.mini{display:grid;gap:12px}
/* bands */
.band{padding:48px 0}.band.alt{background:var(--sky)}.band h2:first-child{margin-top:0}
.pagehead{background:linear-gradient(180deg,var(--mint),#fff);border-bottom:4px solid var(--teal);padding:28px 0 22px}.pagehead h1{margin-bottom:.3em}
.crumbs{font-size:.9rem;color:var(--muted);margin:0 0 10px}
/* state card + tiles */
.statecard{background:#fff;border:1px solid var(--line);border-top:6px solid var(--teal);border-radius:16px;padding:26px;box-shadow:var(--shadow)}
.sthead{display:flex;justify-content:space-between;align-items:flex-end;gap:16px;flex-wrap:wrap;margin-bottom:18px}.sthead h2{margin:0}.sthead p{margin:.3em 0 0}
.tiles{display:grid;grid-template-columns:repeat(auto-fill,minmax(170px,1fr));gap:12px;margin:0 0 24px}
.tile{display:flex;flex-direction:column;padding:14px 16px;border-radius:12px;background:var(--mint);border:1px solid #c9eadb;text-decoration:none;color:var(--navy);min-height:64px;transition:transform .1s,box-shadow .1s}
.tile:hover{transform:translateY(-2px);box-shadow:var(--shadow)}.tile span{font-size:.85rem;color:var(--muted)}
.more{margin-top:18px}.more summary{cursor:pointer;font-weight:600;color:var(--navy);padding:10px 0}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{padding:6px 12px;border-radius:99px;background:#f1f4f6;color:#7a8a94;font-size:.85rem}
a.chip.on{background:var(--mint);color:var(--navy);text-decoration:none;padding:10px 16px;font-size:.95rem}
/* steps / trust / faq */
.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:s}
.steps li{background:#fff;border-radius:14px;padding:22px;box-shadow:var(--shadow)}.steps p{margin:0}
.ic{display:inline-flex;width:52px;height:52px;border-radius:12px;background:var(--mint);color:var(--teal);align-items:center;justify-content:center;margin-bottom:12px}
.trust{background:var(--navy);color:#e3f4ec;border-radius:16px;padding:30px}.trust h2{color:#fff;margin-top:0}.trust a{color:#7fe0b7}
.ticks{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:14px 28px}.ticks li{padding-left:30px;position:relative}
.ticks li:before{content:"";position:absolute;left:0;top:.35em;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m7 12 3 3 6-7' fill='none' stroke='white' stroke-width='3'/%3E%3C/svg%3E") center/14px no-repeat}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px;padding:0 18px}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:16px 0;min-height:48px}.faq details p{margin-top:0}
/* two-column pages */
.cols{display:grid;grid-template-columns:minmax(0,1fr) 380px;gap:36px;padding-top:28px;padding-bottom:48px}
.side .sticky{position:sticky;top:88px;background:#fff;border:1px solid var(--line);border-top:6px solid var(--teal);border-radius:16px;padding:22px;box-shadow:var(--shadow)}.side h2{margin-top:0;font-size:1.35rem}
.ccard,.callout,.empty{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;margin:0 0 16px;box-shadow:0 2px 8px rgba(13,59,92,.05)}
.ccard h3:first-child{margin-top:0}.local{border-left:6px solid var(--teal)}
.cgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:16px}.cgrid .ccard{margin:0;height:100%}.cgrid{align-items:stretch}.cgrid+.callout,.cgrid+.ccard{margin-top:16px}
.qcols{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:28px;align-items:start;padding-top:28px;padding-bottom:48px}.qsteps{margin:0 0 16px}.qsteps ol{margin:0;padding-left:1.2em}.qsteps li{margin:0 0 .6em}
@media(max-width:820px){.qcols{grid-template-columns:1fr}.qaside{order:-1}}
.trust+.welcome{margin-top:24px}
.callout{background:var(--mint);border-color:#c9eadb}.callout .big{font-size:2rem;font-weight:800;color:var(--navy);margin:0 0 .3em}
.checklist{list-style:none;padding:0;margin:0}.checklist li{padding:8px 0 8px 32px;position:relative;border-bottom:1px solid #eef2f1}
.checklist li:before{content:"";position:absolute;left:0;top:12px;width:20px;height:20px;border:2px solid var(--teal);border-radius:5px}
/* listings */
.lgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px;margin-bottom:28px}
.lcard{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;box-shadow:var(--shadow)}
.lcard h3{font-size:1.1rem;margin-bottom:6px}.area{font-size:.9rem;color:var(--muted)}.lact{margin-top:auto;padding-top:14px;display:flex;flex-wrap:wrap;gap:8px}.lgrid{align-items:stretch}.lcard .area{margin:0}
.disclaim{font-size:.98rem;color:#45555f;background:#f6f8f9;border-radius:10px;padding:12px 16px}
/* forms */
.quote label,.mini label{display:block;font-weight:600;font-size:.95rem;color:var(--navy)}
.grid2{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px 16px;margin-bottom:14px}.grid2 .full{grid-column:1/-1}
.compact .grid2{grid-template-columns:1fr}
input,select,textarea{display:block;width:100%;margin-top:6px;min-height:50px;padding:12px 14px;border:1.5px solid #b9cbc7;border-radius:10px;font:inherit;font-weight:400;color:var(--ink);background:#fff}
select{appearance:none;-webkit-appearance:none;padding-right:40px;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 9 6 6 6-6' fill='none' stroke='%230d3b5c' stroke-width='2.5'/%3E%3C/svg%3E") right 12px center/18px no-repeat}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(26,158,111,.35);border-color:var(--teal)}
.consent{display:flex!important;gap:12px;align-items:flex-start;font-weight:400!important;color:var(--ink)!important;margin:14px 0}
.consent input{appearance:none;-webkit-appearance:none;flex:0 0 26px;width:26px;height:26px;min-height:0;margin:2px 0 0;padding:0;border:2px solid var(--teal);border-radius:6px;cursor:pointer}
.consent input:checked{background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='m6 12 4 4 8-9' fill='none' stroke='white' stroke-width='3'/%3E%3C/svg%3E") center/18px no-repeat}
.quote .btn{width:100%}.cf-turnstile{margin:0;line-height:0}.cf-turnstile:empty{display:none}.cf-turnstile iframe{margin:8px 0}
.hp{position:absolute;left:-9999px}.msg{font-weight:600;color:var(--navy)}
/* footer */
.foot{background:var(--navy2);color:#bcd3e2;padding:36px 0 18px;margin-top:0}.foot a{color:#d8f3e6}
.footgrid{display:grid;grid-template-columns:1fr 1.4fr;gap:28px}.footnav{display:flex;flex-wrap:wrap;gap:6px 18px;align-content:flex-start}.footnav a{padding:6px 0}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:14px;margin:20px 0 0;font-size:.85rem}
/* responsive */
@media(max-width:960px){.cols{grid-template-columns:1fr}.side .sticky{position:static}.herogrid{grid-template-columns:1fr;gap:26px}.steps{grid-template-columns:1fr}.ticks{grid-template-columns:1fr}}
@media(max-width:760px){body{font-size:17px}.burger{display:block}
.menu{display:none;position:absolute;left:0;right:0;top:68px;background:var(--navy);flex-direction:column;align-items:stretch;padding:8px 16px 16px;box-shadow:0 10px 20px rgba(0,0,0,.2)}
.menu a{padding:14px 10px;font-size:1.05rem}.menu a.btn{margin:8px 0 0}.navtoggle:checked~.menu{display:flex}
.hero{padding:32px 0 36px}h1{font-size:1.85rem}.hero h1{font-size:2rem}.band{padding:34px 0}.pagehead{padding:18px 0 14px}.pagehead .lead{font-size:1.02em}
.footgrid{grid-template-columns:1fr}.logo{font-size:1.05rem}.statecard,.trust{padding:20px}.tiles{grid-template-columns:repeat(2,1fr)}}