:root{
  --navy:#253551;
  --navy-deep:#1a2540;
  --peach:#F0C292;
  --peach-soft:#fbf0e4;
  --white:#ffffff;
  --ink:#1d2433;
  --muted:#5b6478;
  --line:#e6e9ef;
  --radius:14px;
  --shadow:0 10px 30px rgba(37,53,81,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.2vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:750}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:var(--peach);padding:8px 12px;z-index:200}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);background:var(--peach);padding:6px 12px;border-radius:99px;margin-bottom:14px}
.lead{font-size:1.1rem;color:var(--muted);max-width:640px}

.topbar{background:var(--navy-deep);color:#dfe5f0;font-size:.88rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding:8px 22px;flex-wrap:wrap}
.topbar a{color:var(--peach);text-decoration:none;font-weight:600}
header.site{background:var(--navy);position:sticky;top:0;z-index:60;box-shadow:0 2px 12px rgba(0,0,0,.12)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:76px;position:relative}
.brand img{height:54px;width:auto}
nav.main ul{display:flex;gap:26px;list-style:none;margin:0;padding:0}
nav.main a{color:#fff;text-decoration:none;font-weight:500;font-size:.96rem;opacity:.92}
nav.main a:hover,nav.main a[aria-current="page"]{color:var(--peach);opacity:1}
.header-actions{display:flex;gap:10px;align-items:center}
.menu-toggle{display:none;background:transparent;border:1px solid rgba(255,255,255,.4);color:#fff;padding:9px 14px;border-radius:8px;cursor:pointer;font:inherit}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 24px;border-radius:10px;text-decoration:none;font-weight:700;font-size:1rem;border:2px solid transparent;cursor:pointer;font-family:inherit;transition:transform .15s ease,background .15s ease;white-space:nowrap}
.btn:hover{transform:translateY(-1px)}
.btn-peach{background:var(--peach);color:var(--navy-deep)}
.btn-peach:hover{background:#f5cfa6}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn-ghost:hover{border-color:#fff}
.btn-sm{padding:10px 16px;font-size:.92rem}

.hero{background:var(--navy);color:#fff;padding:72px 0 96px;position:relative;overflow:hidden}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--peach)}
.hero .lead{color:#d6dce8}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 22px}
.hero-points{display:flex;gap:18px;flex-wrap:wrap;font-size:.95rem;color:#dfe5f0}
.hero-points span:before{content:"✓ ";color:var(--peach);font-weight:800}
.hero-media{position:relative}
.photo{width:100%;object-fit:cover;background:linear-gradient(135deg,#3b5079,var(--navy-deep))}
.hero-media .photo{aspect-ratio:4/4.4;border-radius:22px;box-shadow:0 24px 60px rgba(0,0,0,.35)}
.float-card{position:absolute;left:-28px;bottom:32px;background:#fff;color:var(--ink);border-radius:14px;padding:16px 20px;box-shadow:var(--shadow);display:flex;gap:14px;align-items:center;max-width:300px}
.float-card .score{font-size:2rem;font-weight:800;color:var(--navy);line-height:1}
.float-card .stars{color:#e8a25a;font-size:.95rem;letter-spacing:2px}
.float-card small{color:var(--muted);font-size:.85rem}

.trustbar{background:var(--peach-soft);border-bottom:1px solid #f1e2d1}
.trustbar .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;padding:26px 22px}
.trust-item{display:flex;gap:12px;align-items:flex-start}
.trust-item b{display:block;color:var(--navy);font-size:1rem}
.trust-item span{color:var(--muted);font-size:.9rem}
.trust-icon{width:40px;height:40px;border-radius:10px;background:var(--navy);color:var(--peach);display:grid;place-items:center;flex-shrink:0;font-weight:800}

.section{padding:88px 0}
.section.soft{background:#f6f7f9}
.section.navy{background:var(--navy);color:#fff}
.section.navy h2,.section.navy h3{color:#fff}
.section.navy .lead{color:#d6dce8}
.section-head{max-width:720px;margin:0 auto 48px;text-align:center}
.section-head .lead{margin:0 auto}
.section-head.left{margin:0 0 40px;text-align:left}
.section-head.left .lead{margin:0}

.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column;transition:transform .2s ease,box-shadow .2s ease}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card .photo{aspect-ratio:16/10}
.card .body{padding:22px 24px 26px;display:flex;flex-direction:column;flex:1}
.card p{color:var(--muted);font-size:.97rem}
.card .more{margin-top:auto;font-weight:700;text-decoration:none;color:var(--navy)}
.card .more:hover{color:#b87a3d}
.num{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--peach);color:var(--navy-deep);font-weight:800;margin-bottom:12px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.split .photo{border-radius:20px;aspect-ratio:5/4;box-shadow:var(--shadow)}
.checks{list-style:none;padding:0;margin:20px 0}
.checks li{padding:8px 0 8px 36px;position:relative}
.checks li:before{content:"";position:absolute;left:0;top:11px;width:22px;height:22px;border-radius:50%;background:var(--peach)}
.checks li:after{content:"";position:absolute;left:8px;top:15px;width:5px;height:9px;border:solid var(--navy-deep);border-width:0 2px 2px 0;transform:rotate(45deg)}

.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(270px,1fr));gap:22px}
.review{background:#fff;border-radius:var(--radius);padding:28px;border:1px solid var(--line);margin:0;display:flex;flex-direction:column}
.review .stars{color:#e8a25a;letter-spacing:3px;margin-bottom:12px}
.review p{color:var(--ink);font-size:1.02rem}
.review cite{font-style:normal;margin-top:auto;font-weight:700;color:var(--navy);font-size:.92rem;padding-top:14px}
.review cite span{display:block;font-weight:500;color:var(--muted)}

.founder{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px;align-items:center}
.founder .photo{aspect-ratio:4/5;border-radius:20px;box-shadow:var(--shadow)}

.cta-band{background:var(--peach);padding:72px 0;text-align:center}
.cta-band h2{color:var(--navy-deep)}
.cta-band p{color:#3c3429;font-size:1.08rem;margin-bottom:26px}
.cta-band .btn{margin:0 6px}

.page-hero{background:var(--navy);color:#fff;padding:64px 0 72px}
.page-hero h1{color:#fff;font-size:clamp(2rem,3.6vw,2.9rem)}
.page-hero .lead{color:#d6dce8}
.crumbs{font-size:.88rem;color:#c7d0df;margin-bottom:14px}
.crumbs a{color:var(--peach);text-decoration:none}
.page-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.page-grid .photo{aspect-ratio:4/3;border-radius:20px;box-shadow:0 24px 60px rgba(0,0,0,.3)}

.form-card{background:#fff;border-radius:18px;padding:30px;box-shadow:var(--shadow);border:1px solid var(--line);color:var(--ink)}
.form-card h3{margin-bottom:4px}
.form-card .sub{color:var(--muted);font-size:.95rem;margin-bottom:18px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:6px;color:var(--navy)}
.field input,.field select,.field textarea{width:100%;padding:13px 14px;border:1.5px solid #cfd6e2;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(240,194,146,.7);border-color:var(--navy)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.toggle{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:relative}
.toggle input{position:absolute;opacity:0;width:1px;height:1px}
.toggle label{border:1.5px solid #cfd6e2;border-radius:10px;padding:12px;text-align:center;cursor:pointer;font-weight:600;color:var(--navy);margin:0;font-size:.92rem}
.toggle input:checked + label{background:var(--navy);color:#fff;border-color:var(--navy)}
.toggle input:focus-visible + label{outline:3px solid rgba(240,194,146,.8)}
.form-card .btn{width:100%;margin-top:6px}
.fine{font-size:.82rem;color:var(--muted);margin:12px 0 0}

.modal{position:fixed;inset:0;background:rgba(15,22,38,.6);display:none;align-items:center;justify-content:center;padding:20px;z-index:100}
.modal.open{display:flex}
.modal-box{background:#fff;border-radius:20px;max-width:460px;width:100%;padding:34px 30px 28px;position:relative;box-shadow:0 30px 80px rgba(0,0,0,.35);max-height:92vh;overflow:auto;animation:pop .25s ease}
@keyframes pop{from{transform:translateY(12px);opacity:0}to{transform:none;opacity:1}}
.modal-close{position:absolute;top:10px;right:14px;background:none;border:0;font-size:1.8rem;line-height:1;cursor:pointer;color:var(--muted);padding:4px 8px}
.pill{display:inline-block;font-size:.78rem;background:var(--peach-soft);color:var(--navy);padding:5px 10px;border-radius:99px;font-weight:700;margin-bottom:12px}
.modal-box h3{font-size:1.45rem;margin-bottom:6px}

details.faq{border-bottom:1px solid var(--line);padding:18px 0}
details.faq summary{cursor:pointer;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;font-size:1.05rem}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary:after{content:"+";font-size:1.4rem;line-height:1;color:#b87a3d}
details.faq[open] summary:after{content:"–"}
details.faq p{margin:12px 0 0;color:var(--muted)}

.areas{display:flex;flex-wrap:wrap;gap:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:10px 16px;border-radius:99px;text-decoration:none;font-weight:600;color:var(--navy);font-size:.95rem}
.areas a:hover{background:var(--peach)}

table.info{width:100%;border-collapse:collapse}
table.info td{padding:14px 12px;border-bottom:1px solid var(--line);vertical-align:top}
table.info td:first-child{font-weight:700;color:var(--navy);width:180px}

.prose{max-width:780px}
.prose h3{margin-top:26px}
.prose p,.prose li{color:#333}
.note{font-size:.85rem;color:var(--muted);font-style:italic}
.confirm{background:#fff3b0;padding:1px 6px;border-radius:4px;color:#5a4a00;font-size:.92em;font-style:normal}

footer.site{background:var(--navy-deep);color:#c9d1e0;padding:64px 0 28px;font-size:.95rem}
footer.site img{height:58px;width:auto;margin-bottom:16px}
footer.site h4{color:#fff;margin:0 0 14px;font-size:.9rem;letter-spacing:.06em;text-transform:uppercase}
footer.site a{color:#e7ecf5;text-decoration:none}
footer.site a:hover{color:var(--peach)}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:34px}
footer.site ul{list-style:none;padding:0;margin:0}
footer.site li{margin-bottom:8px}
footer.site .legal-row{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:20px;font-size:.86rem;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}

.mobile-bar{display:none}

@media(max-width:1000px){
  nav.main ul{gap:18px}
  .hero-grid,.split,.founder,.page-grid{grid-template-columns:1fr;gap:40px}
  .hero-media .photo{aspect-ratio:16/10}
  .float-card{left:14px;bottom:14px}
  .trustbar .wrap{grid-template-columns:1fr 1fr}
  footer.site .cols{grid-template-columns:1fr 1fr}
}
@media(max-width:820px){
  .menu-toggle{display:inline-block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:var(--navy);padding:8px 22px 20px;border-top:1px solid rgba(255,255,255,.1)}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;gap:0}
  nav.main li a{display:block;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:1.02rem}
  .header-actions .btn-desktop{display:none}
  .section{padding:64px 0}
  .hero{padding:48px 0 64px}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:70;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
  .mobile-bar a,.mobile-bar button{padding:16px 10px;text-align:center;font-weight:800;text-decoration:none;font-size:1rem;border:0;font-family:inherit;cursor:pointer}
  .mobile-bar .mb-call{background:var(--navy);color:#fff}
  .mobile-bar .mb-est{background:var(--peach);color:var(--navy-deep)}
  body{padding-bottom:58px}
  .topbar{display:none}
}
@media(max-width:600px){
  .trustbar .wrap{grid-template-columns:1fr}
  .row2{grid-template-columns:1fr}
  footer.site .cols{grid-template-columns:1fr}
  .cta-band .btn{display:flex;margin:10px auto;max-width:320px}
  .hero-cta .btn{flex:1 1 100%}
  .form-card{padding:22px}
  .float-card{display:none}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}

/* ---- v3: multi-step popup ---- */
.modal-box{padding:30px 26px 24px}
.progress{height:6px;background:#e6e9ef;border-radius:99px;overflow:hidden;margin:6px 0 14px}
.progress span{display:block;height:100%;width:33%;background:var(--peach);transition:width .3s ease;border-radius:99px}
.step{display:none}
.step.active{display:block;animation:pop .25s ease}
.step h3{font-size:1.4rem;margin-bottom:4px}
.tiles,.urg{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin:14px 0 0}
.urg{grid-template-columns:1fr 1fr;margin-top:8px}
.tile{position:relative;border:1.5px solid #cfd6e2;border-radius:12px;padding:13px 10px;font-weight:600;color:var(--navy);cursor:pointer;font-size:.92rem;text-align:center;transition:transform .15s ease,background .15s ease,border-color .15s ease;margin:0}
.tile input{position:absolute;opacity:0;width:1px;height:1px;pointer-events:none}
.tile:hover{border-color:var(--navy);transform:translateY(-1px)}
.tile:has(input:checked){background:var(--navy);color:#fff;border-color:var(--navy)}
.tile:has(input:focus-visible){outline:3px solid rgba(240,194,146,.9);outline-offset:2px}
.emerg-note{display:none;background:#fff3e6;color:#7a4a12;border-radius:10px;padding:10px 12px;font-size:.9rem;margin-top:12px}
.emerg-note a{color:#7a4a12;font-weight:700}
.back{background:none;border:0;color:var(--muted);cursor:pointer;font:inherit;padding:0;margin-bottom:8px;font-size:.92rem}
.done{text-align:center;padding:14px 0 6px}
.done-icon{width:70px;height:70px;border-radius:50%;background:var(--peach);color:var(--navy-deep);display:grid;place-items:center;font-size:2rem;font-weight:800;margin:0 auto 16px}
.done p{color:var(--muted)}
.modal-form .fine{text-align:center}

/* ---- v3: process section ---- */
.process{background:#fff}
ol.steps{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:24px;position:relative}
ol.steps:before{content:"";position:absolute;top:27px;left:12%;right:12%;height:2px;background:repeating-linear-gradient(90deg,var(--peach) 0 10px,transparent 10px 18px)}
ol.steps li{position:relative;text-align:center;padding:0 10px}
.step-n{width:56px;height:56px;border-radius:50%;background:var(--navy);color:var(--peach);display:grid;place-items:center;margin:0 auto 16px;font-weight:800;font-size:1.05rem;box-shadow:0 0 0 8px #fff}
ol.steps li.hl .step-n{background:var(--peach);color:var(--navy-deep)}
ol.steps h3{font-size:1.05rem}
ol.steps p{color:var(--muted);font-size:.94rem}
.tag{display:inline-block;font-size:.75rem;font-weight:700;color:var(--navy);background:var(--peach-soft);padding:3px 9px;border-radius:99px;margin-top:6px}
@media(max-width:820px){
  ol.steps{grid-template-columns:1fr;gap:26px}
  ol.steps:before{top:0;bottom:0;left:27px;right:auto;width:2px;height:auto;background:repeating-linear-gradient(180deg,var(--peach) 0 10px,transparent 10px 18px)}
  ol.steps li{text-align:left;padding-left:84px;min-height:56px}
  .step-n{position:absolute;left:0;top:0;margin:0}
}

/* ---- v4: dropdown menus ---- */
nav.main li{position:relative}
nav.main .has-dd > a:after{content:" \25BE";font-size:.75em;opacity:.8}
nav.main ul.dd{display:none;position:absolute;top:calc(100% + 14px);left:-14px;min-width:250px;background:#fff;border-radius:12px;box-shadow:0 18px 40px rgba(20,30,50,.25);padding:10px;margin:0;flex-direction:column;gap:0;list-style:none;max-height:70vh;overflow:auto;z-index:90}
nav.main ul.dd:before{content:"";position:absolute;top:-6px;left:24px;width:12px;height:12px;background:#fff;transform:rotate(45deg)}
nav.main ul.dd a{display:block;color:var(--navy);padding:9px 12px;border-radius:8px;font-size:.94rem;opacity:1;white-space:nowrap}
nav.main ul.dd a:hover{background:var(--peach-soft);color:var(--navy-deep)}
nav.main ul.dd li.dd-all a{font-weight:700;border-top:1px solid var(--line);margin-top:6px;border-radius:0 0 8px 8px}
nav.main li.has-dd:hover > ul.dd,
nav.main li.has-dd:focus-within > ul.dd,
nav.main li.has-dd.open > ul.dd{display:flex}

/* ---- v4: photo behind CTA bands ---- */
.cta-band{position:relative;overflow:hidden}
.cta-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.16;z-index:0;pointer-events:none}
.cta-band .wrap{position:relative;z-index:1}

@media(max-width:820px){
  nav.main ul.dd{display:none;position:static;box-shadow:none;background:transparent;padding:0 0 10px 14px;min-width:0;max-height:none;overflow:visible}
  nav.main ul.dd:before{display:none}
  nav.main ul.dd a{white-space:normal;color:#fff;padding:10px 0;border-bottom:1px solid rgba(255,255,255,.08);border-radius:0}
  nav.main ul.dd a:hover{background:transparent;color:var(--peach)}
  nav.main ul.dd li.dd-all a{border-top:0;margin-top:0;color:var(--peach);font-weight:700}
  nav.main li.has-dd.open > ul.dd{display:flex}
  nav.main li.has-dd > a:after{content:" \25BE"}
}