:root{
  --deep:#0B3340;      /* tar river at dusk */
  --deep-2:#124C5E;
  --water:#127FA0;
  --water-lt:#E6F2F6;
  --sand:#F6F3EC;
  --paper:#FFFFFF;
  --ink:#11242C;
  --ink-2:#4A6068;
  --line:#D5E3E8;
  --cta:#DD5B12;
  --cta-dk:#B84808;
  --ok:#0E7A5F;
  --shadow:0 1px 2px rgba(11,51,64,.06),0 6px 20px rgba(11,51,64,.07);
  --wrap:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased;
}
img,svg{max-width:100%;height:auto}
a{color:var(--water)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 18px}

/* ---------- sticky header ---------- */
.hdr{position:sticky;top:0;z-index:60;background:var(--deep);border-bottom:3px solid var(--water)}
.hdr-in{max-width:var(--wrap);margin:0 auto;padding:8px 14px;display:flex;align-items:center;gap:12px}
.brand{display:flex;align-items:center;gap:9px;text-decoration:none;color:#fff;min-width:0}
.brand svg{flex:0 0 auto}
.brand b{display:block;font-size:14.5px;font-weight:800;letter-spacing:-.2px;line-height:1.15;white-space:nowrap;overflow:hidden;text-overflow:ellipsis}
.brand span{display:block;font-size:10.5px;letter-spacing:.09em;text-transform:uppercase;color:#8FC6D8;font-weight:600}
.hdr-call{margin-left:auto;display:flex;align-items:center;gap:10px}
.hdr-num{color:#fff;text-decoration:none;font-weight:800;font-size:20px;letter-spacing:-.4px;white-space:nowrap}
.hdr-num small{display:block;font-size:10px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:#8FC6D8}
.navbtn{background:none;border:1px solid rgba(255,255,255,.3);color:#fff;border-radius:6px;padding:6px 9px;font:inherit;font-size:13px;cursor:pointer}
nav.main{background:var(--deep-2);border-bottom:1px solid rgba(255,255,255,.08)}
nav.main ul{list-style:none;margin:0 auto;padding:0 12px;max-width:var(--wrap);display:flex;flex-wrap:wrap;gap:2px}
nav.main a{display:block;padding:9px 11px;color:#DCEBF1;text-decoration:none;font-size:14px;font-weight:600}
nav.main a:hover{color:#fff;background:rgba(255,255,255,.09)}

/* ---------- hero ---------- */
.hero{background:var(--deep);color:#fff;padding:22px 0 26px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:14px;
  background:repeating-linear-gradient(90deg,transparent 0 10px,rgba(143,198,216,.22) 10px 20px)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:26px;align-items:start}
.eyebrow{font-size:11.5px;letter-spacing:.13em;text-transform:uppercase;color:#8FC6D8;font-weight:700;margin:0 0 8px}
h1{font-size:31px;line-height:1.12;letter-spacing:-.9px;margin:0 0 10px;font-weight:800}
.hero p.lede{margin:0 0 14px;color:#CFE3EA;font-size:16.5px;max-width:52ch}
.callbig{display:inline-flex;align-items:center;gap:11px;background:var(--cta);color:#fff;text-decoration:none;
  padding:12px 18px;border-radius:9px;font-weight:800;font-size:26px;letter-spacing:-.6px;box-shadow:var(--shadow)}
.callbig:hover{background:var(--cta-dk)}
.callbig span{font-size:11px;letter-spacing:.11em;text-transform:uppercase;display:block;font-weight:700;opacity:.95}
.trust{list-style:none;margin:14px 0 0;padding:0;display:flex;flex-wrap:wrap;gap:8px 16px}
.trust li{font-size:14.5px;color:#DCEBF1;font-weight:600;display:flex;align-items:center;gap:7px}
.trust li:before{content:"";width:15px;height:15px;flex:0 0 auto;border-radius:50%;background:#8FC6D8;
  -webkit-mask:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M6.2 11.6 3 8.4l1.1-1.1 2.1 2.1 5.7-5.7L13 4.8z'/%3E%3C/svg%3E") center/contain no-repeat;
          mask:url("data:image/svg+xml;charset=utf8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 16 16'%3E%3Cpath d='M6.2 11.6 3 8.4l1.1-1.1 2.1 2.1 5.7-5.7L13 4.8z'/%3E%3C/svg%3E") center/contain no-repeat}

/* ---------- form ---------- */
.card{background:var(--paper);border-radius:12px;padding:16px 16px 14px;box-shadow:var(--shadow);color:var(--ink)}
.card h2,.card .ttl{margin:0 0 3px;font-size:19px;letter-spacing:-.4px;font-weight:800}
.card .sub{margin:0 0 11px;font-size:13.5px;color:var(--ink-2)}
.f{display:block;margin:0 0 9px}
.f label{display:block;font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;color:var(--ink-2);margin:0 0 4px}
.f input,.f textarea{width:100%;border:1px solid var(--line);border-radius:8px;padding:11px 12px;font:inherit;font-size:16px;background:#fff;color:var(--ink)}
.f textarea{min-height:66px;resize:vertical}
.f input:focus,.f textarea:focus{outline:3px solid #9ED2E4;outline-offset:1px;border-color:var(--water)}
.hp{position:absolute!important;left:-9999px}
.btn{width:100%;background:var(--cta);color:#fff;border:0;border-radius:9px;padding:14px;font:inherit;font-weight:800;font-size:17px;cursor:pointer}
.btn:hover{background:var(--cta-dk)}
.fineprint{margin:8px 0 0;font-size:12px;color:var(--ink-2);text-align:center}

/* ---------- body ---------- */
main{display:block}
.crumbs{font-size:13px;color:var(--ink-2);padding:10px 0 0}
.crumbs a{color:var(--ink-2)}
article{padding:6px 0 8px;max-width:74ch}
article h2{font-size:25px;line-height:1.2;letter-spacing:-.6px;margin:34px 0 10px;font-weight:800}
article h3{font-size:19px;line-height:1.25;letter-spacing:-.3px;margin:24px 0 6px;font-weight:800;color:var(--deep-2)}
article p{margin:0 0 14px}
article ul,article ol{margin:0 0 16px;padding-left:20px}
article li{margin:0 0 7px}
article strong{font-weight:700}
.rule{height:8px;margin:30px 0;border:0;background:
  repeating-linear-gradient(90deg,var(--line) 0 8px,transparent 8px 16px)}
.pull{background:var(--water-lt);border-left:4px solid var(--water);border-radius:0 10px 10px 0;padding:14px 16px;margin:0 0 18px}
.pull p{margin:0}
.pull p+p{margin-top:10px}
.lawbox{background:var(--sand);border:1px solid #E3DACA;border-radius:10px;padding:16px 18px;margin:0 0 18px}
.lawbox h3{margin-top:0;color:var(--deep)}
figure{margin:20px 0;padding:0}
figcaption{font-size:13px;color:var(--ink-2);margin-top:7px}
.diag{background:var(--water-lt);border-radius:10px;padding:12px}

/* ---------- FAQ ---------- */
.faq{border-top:1px solid var(--line);padding-top:6px;margin-top:8px}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{cursor:pointer;font-weight:700;font-size:17px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";color:var(--cta);font-weight:800;margin-right:9px}
.faq details[open] summary:before{content:"\2013"}
.faq details p{margin:9px 0 0;color:var(--ink-2)}

/* ---------- link blocks ---------- */
.links{background:var(--water-lt);border-radius:12px;padding:16px 18px;margin:26px 0}
.links h2{margin:0 0 8px;font-size:18px}
.links ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fill,minmax(215px,1fr));gap:4px 16px}
.links li{margin:0}
.links a{display:block;padding:4px 0;font-size:15px;font-weight:600;text-decoration:none}
.links a:hover{text-decoration:underline}

/* ---------- bottom form band ---------- */
.band{background:var(--deep);color:#fff;padding:26px 0;margin-top:34px}
.band-grid{display:grid;grid-template-columns:1fr 1fr;gap:26px;align-items:center}
.band h2{margin:0 0 8px;font-size:26px;letter-spacing:-.6px}
.band p{color:#CFE3EA;margin:0 0 14px}

/* ---------- footer ---------- */
footer{background:#08262F;color:#A9C6D0;padding:22px 0 92px;font-size:14px}
footer a{color:#DCEBF1}
.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:18px}
footer h3{color:#fff;font-size:13px;letter-spacing:.09em;text-transform:uppercase;margin:0 0 7px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:0 0 4px}
.legal{border-top:1px solid rgba(255,255,255,.13);margin-top:18px;padding-top:14px;font-size:12.5px;color:#7FA0AC}

/* ---------- sticky mobile call bar ---------- */
.callbar{display:none}
@media(max-width:860px){
  .hero-grid,.band-grid{grid-template-columns:1fr}
  h1{font-size:26px}
  .hero{padding:16px 0 20px}
  .hero p.lede{font-size:15.5px;margin-bottom:11px}
  .callbig{font-size:23px;padding:11px 15px;width:100%;justify-content:center}
  .trust{gap:5px 12px;margin-top:10px}
  .trust li{font-size:13.5px}
  .hdr-num{font-size:17px}
  .brand b{font-size:13px}
  nav.main ul{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch}
  nav.main a{white-space:nowrap;font-size:13.5px;padding:8px 9px}
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:70;
    background:var(--cta);box-shadow:0 -2px 14px rgba(0,0,0,.25)}
  .callbar a{flex:1;display:flex;align-items:center;justify-content:center;gap:9px;
    padding:13px 8px;color:#fff;text-decoration:none;font-weight:800;font-size:18px;letter-spacing:-.3px}
  .callbar a+a{border-left:1px solid rgba(255,255,255,.35);flex:0 0 42%;font-size:16px;background:var(--cta-dk)}
  article h2{font-size:22px;margin-top:28px}
}
@media(min-width:861px){ footer{padding-bottom:22px} }
@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}