:root{--navy:#0f2a4a;--navy2:#173a63;--tan:#d9bf94;--tan2:#f4ecdf;--cream:#faf7f1;--ink:#1c2733;--mut:#5a6775;--line:#e4dccd;--r:14px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6;-webkit-text-size-adjust:100%}
img,svg{max-width:100%}
a{color:var(--navy2)}
h1,h2,h3,h4{line-height:1.2;color:var(--navy);margin:0 0 .6rem}
h1{font-size:clamp(1.9rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3.5vw,2.1rem)}
h3{font-size:1.15rem}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.narrow{max-width:800px;margin:0 auto;padding:0 20px}
.center{text-align:center}
.small{font-size:.85rem;color:var(--mut)}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
/* header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);box-shadow:0 2px 10px rgba(0,0,0,.15)}
.bar{width:100%;max-width:1160px;margin:0 auto;padding:10px 20px;display:flex;align-items:center;justify-content:space-between;gap:16px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:#fff}
.mark{background:var(--tan);color:var(--navy);font-weight:800;letter-spacing:.5px;border-radius:8px;padding:7px 9px;font-size:1rem}
.brand-text{display:flex;flex-direction:column;font-weight:700;font-size:1.1rem;line-height:1.1;color:#fff}
.brand-text small{font-weight:400;font-size:.72rem;color:var(--tan);margin-top:2px}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}
.menu-btn span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;transition:.2s}
.nav{display:flex;align-items:center;gap:6px;flex:1;justify-content:flex-end}
.nav a{color:#fff;text-decoration:none;padding:9px 14px;border-radius:8px;font-weight:500;font-size:.97rem}
.nav a:hover,.nav a.active{background:rgba(255,255,255,.12)}
.nav a.btn{margin-left:8px}
.nav a.btn:hover{background:#e6d2ae}
@media(min-width:861px){.nav{margin-left:24px}.nav a:first-child{margin-left:auto}}
@media(max-width:860px){
.menu-btn{display:block}
.nav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:8px 20px 18px;gap:2px;box-shadow:0 10px 20px rgba(0,0,0,.2)}
.nav.open{display:flex}
.nav a{padding:13px 10px}
.nav a.btn{margin:8px 0 0;text-align:center}
.menu-btn[aria-expanded=true] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded=true] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded=true] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
}
/* buttons */
.btn{display:inline-block;border:0;border-radius:10px;padding:14px 26px;font-weight:700;font-size:1rem;text-decoration:none;cursor:pointer;text-align:center;font-family:inherit}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2)}
.btn-tan{background:var(--tan);color:var(--navy)}
.btn-block{width:100%;font-size:1.08rem}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#1c4573 100%);color:#fff;padding:44px 0 56px}
.hero-grid{display:grid;gap:32px;align-items:start}
.hero h1{color:#fff}
.eyebrow{color:var(--tan);text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;margin:0 0 10px}
.lead{font-size:1.12rem;color:#e6edf5;max-width:560px}
.ticks{list-style:none;padding:0;margin:20px 0 0}
.ticks li{padding-left:30px;position:relative;margin:10px 0;color:#fff}
.ticks li:before{content:"\2713";position:absolute;left:0;top:0;color:var(--navy);background:var(--tan);width:21px;height:21px;border-radius:50%;text-align:center;font-size:.8rem;line-height:21px;font-weight:700}
@media(min-width:900px){.hero{padding:64px 0 76px}.hero-grid{grid-template-columns:1.05fr .95fr;gap:48px}}
.card{background:#fff;border-radius:var(--r);padding:26px;box-shadow:0 12px 36px rgba(0,0,0,.22);color:var(--ink)}
.card h2{font-size:1.45rem}
.sub{color:var(--mut);margin:0 0 14px}
/* form */
.lead-form label{display:block;font-weight:600;font-size:.9rem;margin-bottom:12px;color:var(--navy)}
.lead-form input[type=text],.lead-form input[type=tel],.lead-form input[type=email],.lead-form textarea{display:block;width:100%;margin-top:5px;padding:12px;border:1.5px solid #cfc7b6;border-radius:9px;font:inherit;font-weight:400;color:var(--ink);background:#fff}
.lead-form input:focus,.lead-form textarea:focus{outline:3px solid rgba(217,191,148,.6);border-color:var(--navy)}
.lead-form .invalid{border-color:#b3261e!important}
.row2{display:grid;gap:0 12px}
@media(min-width:520px){.row2{grid-template-columns:1fr 1fr}}
.opt{font-weight:400;color:var(--mut)}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
.consent{display:flex!important;gap:10px;align-items:flex-start;background:var(--tan2);padding:11px;border-radius:9px;font-weight:600}
.consent input{margin-top:4px;width:18px;height:18px;flex:none}
.consent-text{font-size:.74rem;color:var(--mut);line-height:1.45;margin:8px 0 14px}
.form-msg{margin:12px 0 0;font-weight:600;min-height:1.2em}
.form-msg.err{color:#b3261e}.form-msg.ok{color:#176b3a}
/* sections */
.section{padding:56px 0}
.section.alt{background:var(--cream)}
.sub-lead{color:var(--mut);max-width:640px;margin:0 auto 30px}
.steps{display:grid;gap:20px;margin:30px 0}
@media(min-width:760px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;position:relative}
.num{display:inline-flex;width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--tan);font-weight:800;align-items:center;justify-content:center;margin-bottom:12px}
.grid3{display:grid;gap:18px;margin-top:30px}
@media(min-width:620px){.grid3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.grid3{grid-template-columns:repeat(3,1fr)}}
.feature{background:#fff;border-radius:var(--r);padding:24px;border:1px solid var(--line);border-top:4px solid var(--tan)}
.chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:10px}
.chips a{background:var(--tan2);color:var(--navy);text-decoration:none;padding:10px 18px;border-radius:999px;font-weight:600;border:1px solid var(--line)}
.chips a:hover{background:var(--tan)}
.areas{list-style:none;padding:0;margin:0 0 18px;display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.areas li{background:#fff;border:1px solid var(--line);padding:8px 16px;border-radius:999px;font-weight:600;color:var(--navy)}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:12px 0}
summary{cursor:pointer;padding:16px 0;font-weight:700;color:var(--navy);list-style:none;position:relative;padding-right:28px}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:0;top:12px;font-size:1.5rem;color:var(--tan);font-weight:400}
details[open] summary:after{content:"\2212"}
details p{margin:0 0 16px;color:#33414f}
.cta-band{background:var(--navy);color:#fff;padding:56px 0}
.cta-band h2{color:#fff}.cta-band p{color:#dbe5f0;margin-bottom:22px}
/* inner pages */
.page-hero{background:var(--navy);color:#fff;padding:44px 0}
.page-hero h1{color:#fff;margin-bottom:6px}.page-hero p{color:var(--tan);margin:0;font-size:1.05rem}
.prose h2{margin-top:30px;font-size:1.45rem}
.prose p,.prose li{font-size:1.04rem}
.prose ul{padding-left:22px}
.note{background:var(--tan2);border-left:4px solid var(--tan);padding:14px 16px;border-radius:8px;font-size:.95rem}
.situation{padding:18px 0;border-bottom:1px solid var(--line)}.situation h2{margin-top:0;font-size:1.35rem}
.two-col{display:grid;gap:36px}
@media(min-width:900px){.two-col{grid-template-columns:1fr 1fr}}
.legalpage h2{font-size:1.2rem}
.check{width:72px;height:72px;line-height:72px;border-radius:50%;background:var(--navy);color:var(--tan);font-size:2.2rem;margin:0 auto 18px}
.lead2{font-size:1.12rem}
/* footer */
.site-footer{background:#0a1d34;color:#c9d4e2;padding:44px 0 0;font-size:.93rem}
.site-footer a{color:var(--tan)}
.site-footer h4,.foot-h{color:#fff;font-size:1rem;font-weight:700;margin:0 0 .6rem}
.foot-grid{display:grid;gap:28px}
@media(min-width:860px){.foot-grid{grid-template-columns:1.6fr 1fr 1fr}}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:6px 0}
.disc{max-width:520px;line-height:1.55;margin-top:14px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;padding-bottom:22px;color:#8fa1b8;font-size:.85rem}