:root{--navy:#0b1f45;--navy2:#13306b;--blue:#1d5fd1;--teal:#19b5b0;--teal2:#0f8f8b;--ink:#13203a;--muted:#55627a;--bg:#f5f8fc;--line:#dde5f0;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,4.5vw,2.3rem)}
h3{font-size:1.15rem}
p{margin:0 0 1em}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--teal2);margin-bottom:.6em}
section{padding:64px 0}
.alt{background:var(--bg)}
/* header */
.hdr{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:12px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand svg{width:36px;height:36px;flex:none}
.wm{display:flex;flex-direction:column;line-height:1}
.wm b{font-size:1.15rem;font-weight:900;letter-spacing:.06em}
.wm span{font-size:.62rem;font-weight:700;letter-spacing:.32em;color:var(--teal2);margin-top:3px}
.nav{display:flex;align-items:center;gap:18px}
.nav a.l{display:none;text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--teal);color:#fff;font-weight:800;text-decoration:none;border:0;border-radius:999px;padding:14px 24px;font-size:1rem;cursor:pointer;transition:transform .15s,background .15s;box-shadow:0 6px 18px rgba(25,181,176,.3)}
.btn:hover{background:var(--teal2);transform:translateY(-1px)}
.btn.sm{padding:10px 16px;font-size:.9rem;box-shadow:none}
.btn.ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4);box-shadow:none}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d4fa8 0,transparent 60%),linear-gradient(160deg,var(--navy) 0,#0e2a5c 100%);color:#e8eefb;padding:56px 0 64px}
.hero h1{color:#fff;font-size:clamp(2.3rem,8vw,4rem);font-weight:900;margin-bottom:.25em}
.hero h1 .p{color:var(--teal)}
.hero .lead{font-size:clamp(1.05rem,2.6vw,1.25rem);max-width:36em;color:#cfdaf2}
.hero .cta{display:flex;flex-wrap:wrap;gap:12px;margin:24px 0 18px}
.checks{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:8px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks li:before{content:"";flex:none;width:20px;height:20px;margin-top:3px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.hero-grid{display:grid;gap:36px;align-items:center}
.hero-card{background:#fff;color:var(--ink);border-radius:20px;padding:22px;box-shadow:0 20px 50px rgba(0,0,0,.25)}
.hero-card .big{font-size:2.6rem;font-weight:900;color:var(--navy);line-height:1}
.hero-card small{color:var(--muted)}
.compare{display:flex;gap:10px;margin-top:14px}
.compare div{flex:1;border-radius:12px;padding:12px;text-align:center}
.compare .us{background:#e6f7f6;border:2px solid var(--teal)}
.compare .them{background:#f3f4f7;color:var(--muted)}
.compare b{display:block;font-size:1.35rem;color:var(--navy)}
.compare .them b{color:#8a93a5;text-decoration:line-through}
/* steps */
.steps{display:grid;gap:18px;counter-reset:s;margin-top:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;position:relative}
.step .n{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center;margin-bottom:12px}
.split{display:grid;gap:32px;align-items:center}
figure{margin:0}
figure img{border-radius:var(--r);box-shadow:0 10px 30px rgba(11,31,69,.15)}
figcaption{font-size:.82rem;color:var(--muted);margin-top:8px}
/* pricing */
.price-box{background:var(--navy);color:#dfe7f7;border-radius:20px;padding:28px;margin-top:24px}
.price-box .amt{font-size:clamp(2.6rem,9vw,3.6rem);font-weight:900;color:#fff;line-height:1}
.price-box .amt small{font-size:1rem;font-weight:600;color:#a9b8d8}
.rows{display:grid;gap:12px;margin:22px 0}
.row{display:flex;justify-content:space-between;gap:12px;padding:14px 16px;border-radius:12px;background:rgba(255,255,255,.07)}
.row b{color:#fff}
.note{font-size:.9rem;color:#a9b8d8}
.example{background:#fff;border:1px dashed var(--line);border-radius:var(--r);padding:18px;margin-top:18px;font-size:.95rem}
/* why */
.cards{display:grid;gap:18px;margin-top:28px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card .ic{width:46px;height:46px;border-radius:12px;background:#e6f7f6;display:grid;place-items:center;margin-bottom:12px}
.card .ic svg{width:26px;height:26px;stroke:var(--teal2);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
/* faq */
.faq{max-width:780px;margin-top:24px}
details{border:1px solid var(--line);border-radius:12px;background:#fff;margin-bottom:10px}
summary{cursor:pointer;list-style:none;padding:18px 48px 18px 18px;font-weight:700;color:var(--navy);position:relative}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";position:absolute;right:18px;top:12px;font-size:1.5rem;color:var(--teal2)}
details[open] summary:after{content:"–"}
details p{padding:0 18px 16px;margin:0;color:var(--muted)}
/* area */
.counties{display:grid;gap:14px;margin-top:24px}
.county{border-radius:var(--r);padding:22px;background:linear-gradient(135deg,var(--navy2),var(--navy));color:#fff}
.county h3{color:#fff;margin:0 0 4px}
.county p{margin:0;color:#b9c6e3;font-size:.95rem}
/* form */
.quote{background:linear-gradient(160deg,var(--navy) 0,#0e2a5c 100%);color:#dfe7f7}
.quote h2{color:#fff}
.form{background:#fff;color:var(--ink);border-radius:20px;padding:24px;box-shadow:0 20px 50px rgba(0,0,0,.25);display:grid;gap:14px}
.f{display:grid;gap:6px}
.f label,.f legend{font-weight:700;font-size:.92rem;color:var(--navy)}
.f input{font:inherit;padding:13px 14px;border:1.5px solid #cdd7e6;border-radius:10px;width:100%;background:#fff}
.f input:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 3px rgba(25,181,176,.2)}
.two{display:grid;gap:14px}
fieldset{border:0;padding:0;margin:0}
.seg{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-top:6px}
.seg label{display:flex;align-items:center;justify-content:center;gap:8px;border:1.5px solid #cdd7e6;border-radius:10px;padding:12px;cursor:pointer;font-weight:700;color:var(--ink)}
.seg input{accent-color:var(--teal)}
.seg label:has(input:checked){border-color:var(--teal);background:#e6f7f6}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.fine{font-size:.8rem;color:var(--muted);margin:0}
.err{color:#b42318;font-weight:600;font-size:.92rem;margin:0}
.thanks{text-align:center;padding:24px 8px}
.thanks .ok{width:64px;height:64px;border-radius:50%;background:var(--teal);margin:0 auto 14px;display:grid;place-items:center}
.btn[disabled]{opacity:.6;cursor:wait}
/* footer */
.ftr{background:#07152f;color:#9fb0d0;padding:44px 0 28px;font-size:.95rem}
.ftr a{color:#d6e0f5;text-decoration:none}
.ftr a:hover{text-decoration:underline}
.ftr .brand{color:#fff}.ftr .wm span{color:var(--teal)}
.fgrid{display:grid;gap:26px}
.ftr h4{color:#fff;margin:0 0 10px;font-size:.95rem}
.ftr ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
.legal{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:18px;font-size:.82rem}
/* doc pages */
.doc{max-width:760px;padding:48px 20px 72px}
.doc h1{font-size:clamp(1.9rem,5vw,2.6rem)}
.doc h2{font-size:1.25rem;margin-top:1.8em}
.doc li{margin-bottom:.4em}
.sticky-cta{position:fixed;left:12px;right:12px;bottom:12px;z-index:30;display:flex}
.sticky-cta .btn{flex:1}
[hidden]{display:none!important}
@media (min-width:720px){
  section{padding:88px 0}
  .nav a.l{display:inline}
  .steps,.cards{grid-template-columns:repeat(3,1fr)}
  .counties{grid-template-columns:repeat(3,1fr)}
  .two{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:2fr 1fr 1fr}
  .sticky-cta{display:none}
}
@media (min-width:960px){
  .hero{padding:80px 0 96px}
  .hero-grid{grid-template-columns:1.25fr .85fr}
  .split{grid-template-columns:1fr 1fr}
  .quote .split{grid-template-columns:.9fr 1.1fr;align-items:start}
}
@media (max-width:719px){body{padding-bottom:78px}}
section,#thanks{scroll-margin-top:72px}