:root{--navy:#262161;--navy-deep:#17133f;--navy-soft:#3a3580;--orange:#F5941F;--orange-hi:#ffa83a;--cream:#FBF6EE;--sand:#F3EADB;--ink:#1c1b2e;--muted:#55566b;--line:#e6e0d4;--white:#fff;--radius:14px;--shadow:0 10px 30px rgba(23,19,63,.12);--serif:"Fraunces",Georgia,"Times New Roman",serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{margin:0;font-family:var(--sans);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white)}img{max-width:100%;height:auto;display:block}a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}h1,h2,h3{font-family:var(--serif);line-height:1.15;color:var(--navy);margin:0 0 .5em;font-weight:700;letter-spacing:-.01em}h1{font-size:clamp(2rem,4.6vw,3.3rem)}h2{font-size:clamp(1.6rem,3.2vw,2.35rem)}h3{font-size:1.25rem}p{margin:0 0 1.05em}.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.narrow{max-width:820px}svg{width:1em;height:1em;fill:currentColor;flex:none}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:999;background:#fff;padding:8px 12px}/* top bar */.topbar{background:var(--navy-deep);color:#d9d6f2;font-size:14px}.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;min-height:38px}.topbar a{color:#fff;font-weight:700;text-decoration:none;display:inline-flex;align-items:center;gap:6px}/* header */.site-header{background:#fff;position:sticky;top:0;z-index:50;box-shadow:0 1px 0 var(--line)}.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:78px}.logo img{width:138px;height:auto}.nav{display:flex;align-items:center;gap:4px}.nav ul{list-style:none;margin:0;padding:0}.nav>ul{display:flex;align-items:center;gap:2px}.nav>ul>li{position:relative}.nav>ul>li>a{display:flex;align-items:center;gap:4px;padding:10px 12px;font-weight:600;font-size:15.5px;color:var(--ink);text-decoration:none;border-radius:8px}.nav>ul>li>a:hover,.nav>ul>li>a[aria-current=page]{color:var(--navy);background:var(--cream)}.dd-toggle{display:none}.dd{position:absolute;top:100%;left:0;padding-top:10px;display:none;min-width:280px;z-index:60}.dd-panel{background:#fff;border-radius:12px;box-shadow:var(--shadow);border:1px solid var(--line);padding:8px}.dd a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:15px;font-weight:500}.dd a:hover{background:var(--cream);color:var(--navy)}.has-dd:hover>.dd,.has-dd:focus-within>.dd{display:block}.dd-wide{min-width:440px}.dd-wide .dd-panel{display:grid;grid-template-columns:1fr 1fr;gap:2px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:800;font-size:16px;text-decoration:none;border:0;cursor:pointer;line-height:1.2;transition:transform .15s ease,background .15s ease}.btn:hover{transform:translateY(-1px)}.btn-orange{background:var(--orange);color:var(--navy-deep)}.btn-orange:hover{background:var(--orange-hi)}.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy-soft)}.btn-ghost{background:transparent;color:#fff;box-shadow:inset 0 0 0 2px rgba(255,255,255,.7)}.btn-lg{padding:16px 28px;font-size:18px}.header-cta{white-space:nowrap}.menu-btn{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center}.menu-btn span,.menu-btn span::before,.menu-btn span::after{display:block;width:20px;height:2px;background:#fff;position:relative;transition:.2s}.menu-btn span::before,.menu-btn span::after{content:"";position:absolute;left:0}.menu-btn span::before{top:-6px}.menu-btn span::after{top:6px}.menu-open .menu-btn span{background:transparent}.menu-open .menu-btn span::before{top:0;transform:rotate(45deg)}.menu-open .menu-btn span::after{top:0;transform:rotate(-45deg)}/* hero */.hero{position:relative;color:#fff;background:var(--navy-deep)}.hero-bg{position:absolute;inset:0;background-size:cover;background-position:center}.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(23,19,63,.94) 0%,rgba(23,19,63,.86) 45%,rgba(38,33,97,.6) 100%)}.hero .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center;padding-top:56px;padding-bottom:64px}.hero h1{color:#fff}.kicker{display:inline-flex;align-items:center;gap:8px;background:rgba(245,148,31,.16);color:var(--orange-hi);border:1px solid rgba(245,148,31,.45);padding:6px 14px;border-radius:999px;font-size:14px;font-weight:700;letter-spacing:.02em;margin-bottom:18px}.hero-sub{font-size:1.18rem;color:#e7e5f7;max-width:36em}.hero-points{list-style:none;padding:0;margin:20px 0 26px;display:grid;gap:9px}.hero-points li{display:flex;gap:10px;align-items:flex-start;font-weight:600}.hero-points svg{color:var(--orange);font-size:22px;margin-top:2px}.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}.hero-short .wrap{padding-top:44px;padding-bottom:52px}/* form */.form-card{background:#fff;color:var(--ink);border-radius:18px;padding:26px;box-shadow:0 24px 60px rgba(0,0,0,.28);border-top:6px solid var(--orange)}.form-card h2{font-size:1.55rem;margin-bottom:.2em}.form-card .form-note{font-size:14px;color:var(--muted);margin-bottom:14px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.form-grid .full{grid-column:1/-1}.form-card label{display:block;font-size:13.5px;font-weight:700;color:var(--navy);margin-bottom:4px}.form-card input,.form-card select,.form-card textarea{width:100%;font:inherit;font-size:16px;padding:12px 13px;border:1.5px solid #d4cfe2;border-radius:10px;background:#fff;color:var(--ink)}.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(38,33,97,.15)}.form-card .btn{width:100%;margin-top:6px}.form-fine{font-size:12.5px;color:var(--muted);margin:10px 0 0;text-align:center}.hp{display:none!important}/* trust strip */.trust{background:var(--orange);color:var(--navy-deep)}.trust ul{list-style:none;margin:0;padding:16px 0;display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.trust li{display:flex;align-items:center;justify-content:center;gap:10px;font-weight:800;font-size:15.5px;text-align:left}.trust svg{font-size:26px}/* sections */.section{padding:72px 0}.section.alt{background:var(--cream)}.section.sand{background:var(--sand)}.section.navy{background:var(--navy);color:#e9e7f8}.section.navy h2,.section.navy h3{color:#fff}.eyebrow{display:block;font-size:13px;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:#b86a08;margin-bottom:10px}.section.navy .eyebrow{color:var(--orange-hi)}.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}.lead{font-size:1.15rem;color:var(--muted);max-width:44em}.section.navy .lead{color:#d6d3ef}.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}.split.wide-text{grid-template-columns:1.25fr .75fr}.split img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;object-fit:cover}.prose h2{margin-top:1.4em}.prose h2:first-child{margin-top:0}.prose h3{margin-top:1.3em}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.45em}.ticks{list-style:none;padding:0!important}.ticks li{display:flex;gap:10px;align-items:flex-start}.ticks svg{color:#1f8a4c;font-size:21px;margin-top:3px}/* cards */.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:34px}.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .18s ease,box-shadow .18s ease}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card img{aspect-ratio:4/3;object-fit:cover;width:100%}.card-body{padding:18px 18px 20px;display:flex;flex-direction:column;flex:1}.card h3{font-size:1.15rem;margin-bottom:.35em}.card p{font-size:15px;color:var(--muted);margin-bottom:12px}.card .more{margin-top:auto;display:inline-flex;align-items:center;gap:6px;font-weight:800;color:var(--navy);font-size:15px}.area-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:30px}.area-chip{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:15px 16px;background:#fff;border:1px solid var(--line);border-radius:12px;text-decoration:none;color:var(--navy);font-weight:700;transition:.15s}.area-chip small{display:block;font-weight:500;color:var(--muted);font-size:13px}.area-chip:hover{border-color:var(--orange);box-shadow:0 6px 18px rgba(245,148,31,.18)}.area-chip svg{color:var(--orange)}/* steps */.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px;counter-reset:s}.step{background:#fff;border-radius:var(--radius);padding:28px 24px;border:1px solid var(--line);position:relative}.step::before{counter-increment:s;content:counter(s);position:absolute;top:-18px;left:24px;width:40px;height:40px;border-radius:50%;background:var(--orange);color:var(--navy-deep);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:18px}.step h3{margin-top:8px}.step p{color:var(--muted);margin:0}.section.navy .step{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14)}.section.navy .step p{color:#d6d3ef}/* compare table */.compare{width:100%;border-collapse:separate;border-spacing:0;margin-top:30px;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:16px}.compare th,.compare td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}.compare thead th{background:var(--navy);color:#fff;font-family:var(--serif);font-size:1.05rem}.compare thead th.us{background:var(--orange);color:var(--navy-deep)}.compare td.us{background:#fff8ee;font-weight:700;color:var(--navy)}.compare tr:last-child td{border-bottom:0}.compare td:first-child{font-weight:700;color:var(--navy)}/* faq */.faq{max-width:860px;margin:30px auto 0}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;overflow:hidden}.faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 20px;font-weight:700;color:var(--navy);position:relative;font-size:17px}.faq summary::-webkit-details-marker{display:none}.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:26px;color:var(--orange);font-weight:400}.faq details[open] summary::after{content:"–"}.faq .ans{padding:0 20px 18px;color:var(--muted)}.faq .ans p:last-child{margin:0}/* cta band */.cta-band{background:linear-gradient(120deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;padding:60px 0;position:relative;overflow:hidden}.cta-band::before{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;background:var(--orange);opacity:.18}.cta-band .wrap{position:relative;display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}.cta-band h2{color:#fff;margin-bottom:.2em}.cta-band p{color:#d6d3ef;margin:0;font-size:1.1rem}.cta-band .btns{display:flex;gap:12px;flex-wrap:wrap}.callout{background:#fff8ee;border-left:5px solid var(--orange);padding:18px 22px;border-radius:0 12px 12px 0;margin:1.4em 0;color:var(--ink)}.callout strong{color:var(--navy)}.note{font-size:14px;color:var(--muted);font-style:italic}.crumbs{font-size:14px;color:#cfcbea;margin-bottom:14px}.crumbs a{color:#fff}.crumbs span{opacity:.7;margin:0 6px}.map-embed{border:0;width:100%;height:340px;border-radius:var(--radius);box-shadow:var(--shadow)}/* footer */.site-footer{background:var(--navy-deep);color:#c9c6e6;font-size:15px;padding:56px 0 110px}.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:34px}.site-footer h3{color:#fff;font-size:1.05rem;font-family:var(--sans);font-weight:800;letter-spacing:.04em;text-transform:uppercase;margin-bottom:14px}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:8px}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--orange-hi)}.foot-logo{background:#fff;border-radius:12px;padding:10px 14px;display:inline-block;margin-bottom:14px}.foot-logo img{width:130px}.foot-phone{font-size:1.4rem;font-weight:800;color:var(--orange-hi)!important}.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;font-size:13.5px;display:flex;justify-content:space-between;gap:10px;flex-wrap:wrap}/* mobile sticky bar */.mbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;box-shadow:0 -6px 20px rgba(0,0,0,.15);padding:10px 12px calc(10px + env(safe-area-inset-bottom));gap:10px}.mbar .btn{flex:1;padding:14px 10px;font-size:16px}@media (max-width:1080px){.cards{grid-template-columns:repeat(2,1fr)}.area-grid{grid-template-columns:repeat(3,1fr)}.nav>ul>li>a{padding:10px 9px;font-size:15px}}@media (max-width:960px){.menu-btn{display:inline-flex}.header-cta{display:none}.nav{position:fixed;left:0;right:0;top:var(--hdr,116px);bottom:0;background:#fff;display:none;overflow-y:auto;padding:12px 20px 120px;align-items:stretch}.menu-open .nav{display:block}.nav>ul{flex-direction:column;align-items:stretch;gap:0}.nav>ul>li{border-bottom:1px solid var(--line);display:flex;flex-wrap:wrap;align-items:center}.nav>ul>li>a{flex:1;padding:16px 4px;font-size:18px}.nav>ul>li>a .chev{display:none}.dd-toggle{display:inline-flex;align-items:center;justify-content:center;width:48px;height:48px;border:0;background:var(--cream);border-radius:10px;color:var(--navy);font-size:26px;cursor:pointer}.dd-toggle[aria-expanded=true] svg{transform:rotate(180deg)}.dd,.has-dd:hover>.dd,.has-dd:focus-within>.dd{position:static;display:none;width:100%;padding:0 0 12px;min-width:0}.has-dd.open>.dd{display:block}.dd-panel{box-shadow:none;border:0;padding:0;background:var(--cream)}.dd-wide .dd-panel{grid-template-columns:1fr}.dd a{padding:12px 14px;font-size:16px}.nav-call{display:block!important;margin-top:18px}.nav-call .btn{width:100%}.hero .wrap{grid-template-columns:1fr;gap:30px;padding-top:36px;padding-bottom:44px}.split,.split.wide-text{grid-template-columns:1fr;gap:30px}.steps{grid-template-columns:1fr;gap:30px}.trust ul{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr 1fr}.mbar{display:flex}}@media (max-width:620px){body{font-size:16.5px}.wrap{padding:0 16px}.topbar .hide-sm{display:none}.topbar .wrap{justify-content:center}.site-header .wrap{min-height:68px}.logo img{width:118px}.section{padding:54px 0}.cards{grid-template-columns:1fr}.area-grid{grid-template-columns:1fr 1fr}.form-grid{grid-template-columns:1fr}.form-card{padding:20px}.trust li{justify-content:flex-start;font-size:14.5px}.compare{font-size:14.5px}.compare th,.compare td{padding:11px 10px}.foot-grid{grid-template-columns:1fr}.hero-ctas .btn{width:100%}.cta-band .btns,.cta-band .btn{width:100%}}.nav-call{display:none}