:root{
  --navy:#14233c; --navy-2:#1d3252; --navy-ink:#0c1729;
  --cream:#f7f3ea; --paper:#fffdf8; --line:#e4dccb;
  --brass:#b98b3a; --brass-2:#c9a45c; --red:#a23b2f;
  --ink:#1b2230; --muted:#5b6474;
  --radius:14px;
  --font-display:'Zodiak', Georgia, serif;
  --font-body:'Satoshi', system-ui, -apple-system, sans-serif;
  --text-xs:clamp(.75rem,.72rem + .15vw,.8125rem);
  --text-sm:clamp(.875rem,.85rem + .15vw,.9375rem);
  --text-base:clamp(1rem,.97rem + .15vw,1.0625rem);
  --text-lg:clamp(1.125rem,1.05rem + .35vw,1.3125rem);
  --text-xl:clamp(1.625rem,1.3rem + 1.4vw,2.375rem);
  --text-hero:clamp(2.35rem,1.6rem + 3.4vw,4.25rem);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--font-body);font-size:var(--text-base);line-height:1.6;color:var(--ink);background:var(--cream);-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(1180px,100% - 2.5rem);margin-inline:auto}
.eyebrow{font-size:var(--text-xs);letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--brass)}
h1,h2,h3{font-family:var(--font-display);font-weight:600;line-height:1.08;letter-spacing:-.01em;color:var(--navy)}
h2{font-size:var(--text-xl)}
h3{font-family:var(--font-body);font-size:var(--text-lg);font-weight:700;letter-spacing:0;line-height:1.3}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font:700 var(--text-sm)/1 var(--font-body);padding:.95rem 1.4rem;border-radius:999px;border:0;cursor:pointer;text-decoration:none;transition:transform .15s ease,background .2s ease,box-shadow .2s}
.btn-primary{background:var(--red);color:#fff;box-shadow:0 6px 18px -8px rgba(162,59,47,.7)}
.btn-primary:hover{background:#8d3228;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy);border:1.5px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
:focus-visible{outline:3px solid var(--brass-2);outline-offset:2px}

/* Top strip + header */
.strip{background:var(--navy-ink);color:#cfd6e2;font-size:var(--text-xs)}
.strip .wrap{display:flex;justify-content:space-between;gap:1rem;padding:.5rem 0;flex-wrap:wrap}
.strip b{color:var(--brass-2);font-weight:700}
header.site{position:sticky;top:0;z-index:50;background:rgba(247,243,234,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:.8rem 0;gap:1rem}
.logo{display:flex;align-items:center;gap:.65rem;text-decoration:none;color:var(--navy)}
.logo svg{width:40px;height:40px;flex:none}
.logo .name{font-family:var(--font-display);font-weight:700;font-size:1.25rem;line-height:1}
.logo .sub{display:block;font-family:var(--font-body);font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--muted);font-weight:700;margin-top:.25rem}
nav.main{display:flex;align-items:center;gap:1.6rem;font-size:var(--text-sm);font-weight:500}
nav.main a{text-decoration:none;color:var(--ink)}
nav.main a:hover{color:var(--red)}
nav.main a.btn-primary,nav.main a.btn-primary:hover{color:#fff}
.phone{font-weight:700;text-decoration:none;color:var(--navy);white-space:nowrap}
@media (max-width:900px){nav.main .hide-m{display:none}}
@media (max-width:560px){.phone{display:none}}

/* Hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0}
.hero-bg img{width:100%;height:100%;object-fit:cover;object-position:30% 30%}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,23,41,.92) 0%,rgba(12,23,41,.78) 40%,rgba(12,23,41,.25) 70%,rgba(12,23,41,.35) 100%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center;padding:clamp(3rem,7vw,6rem) 0}
.hero h1{color:#fff;font-size:var(--text-hero);max-width:13ch;margin:.9rem 0 1.2rem}
.hero h1 em{font-style:italic;color:var(--brass-2)}
.hero p.lede{font-size:var(--text-lg);color:#dde3ec;max-width:34rem;line-height:1.5}
.hero .ticks{list-style:none;margin-top:1.8rem;display:grid;gap:.7rem}
.hero .ticks li{display:flex;gap:.7rem;align-items:flex-start;color:#eef1f6}
.hero .ticks svg{flex:none;margin-top:.2rem}
.hero .eyebrow{color:var(--brass-2)}
.states-inline{display:flex;gap:.5rem;margin-top:2rem;flex-wrap:wrap}
.states-inline span{border:1px solid rgba(255,255,255,.3);border-radius:999px;padding:.35rem .8rem;font-size:var(--text-xs);font-weight:700;letter-spacing:.08em}
@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:2rem}
  .hero-bg::after{background:linear-gradient(180deg,rgba(12,23,41,.75) 0%,rgba(12,23,41,.92) 55%,rgba(12,23,41,.97) 100%)}
}

/* Form card */
.card{background:var(--paper);color:var(--ink);border-radius:var(--radius);box-shadow:0 30px 60px -25px rgba(0,0,0,.55);overflow:hidden}
.card-head{padding:1.4rem 1.6rem 1rem;border-bottom:1px solid var(--line)}
.card-head h2{font-size:1.55rem}
.card-head p{color:var(--muted);font-size:var(--text-sm);margin-top:.3rem}
.progress{display:flex;gap:.4rem;margin-top:1rem}
.progress i{flex:1;height:5px;border-radius:5px;background:var(--line);transition:background .3s}
.progress i.on{background:var(--brass)}
.stepcount{font-size:var(--text-xs);color:var(--muted);font-weight:700;margin-top:.5rem;letter-spacing:.06em;text-transform:uppercase}
form{padding:1.3rem 1.6rem 1.6rem}
.step{display:none;animation:fade .3s ease}
.step.active{display:block}
@keyframes fade{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.q{font-weight:700;font-size:var(--text-sm);margin:0 0 .55rem;color:var(--navy);display:block}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
.field{margin-bottom:1rem}
.field label{display:block;font-size:var(--text-xs);font-weight:700;color:var(--muted);margin-bottom:.35rem;letter-spacing:.02em}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:500 var(--text-base) var(--font-body);color:var(--ink);background:#fff;border:1.5px solid var(--line);border-radius:10px;padding:.75rem .85rem;transition:border-color .2s,box-shadow .2s}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--navy-2);box-shadow:0 0 0 3px rgba(29,50,82,.12)}
.invalid{border-color:var(--red)!important}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:.5rem;margin-bottom:1.1rem}
.chips.four{grid-template-columns:repeat(4,1fr)}
.chip{position:relative}
.chip input{position:absolute;opacity:0;inset:0;cursor:pointer}
.chip span{display:flex;align-items:center;justify-content:center;text-align:center;min-height:48px;padding:.55rem .6rem;border:1.5px solid var(--line);border-radius:10px;font-size:var(--text-sm);font-weight:500;background:#fff;transition:all .15s;cursor:pointer;line-height:1.25}
.chip input:checked+span{border-color:var(--navy);background:var(--navy);color:#fff;font-weight:700}
.chip input:focus-visible+span{outline:3px solid var(--brass-2);outline-offset:2px}
.chip:hover span{border-color:var(--navy-2)}
.chips.invalid-group span{border-color:var(--red)}
.nav-btns{display:flex;gap:.6rem;margin-top:.4rem}
.nav-btns .btn{flex:1}
.back{background:transparent;color:var(--muted);border:1.5px solid var(--line)}
.back:hover{color:var(--navy);border-color:var(--navy)}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.74rem;line-height:1.45;color:var(--muted);margin:.2rem 0 1rem}
.consent input{margin-top:.2rem;width:16px;height:16px;flex:none;accent-color:var(--navy)}
.secure{display:flex;align-items:center;justify-content:center;gap:.4rem;font-size:var(--text-xs);color:var(--muted);margin-top:.9rem}
.err{color:var(--red);font-size:var(--text-xs);font-weight:700;min-height:1em;margin-bottom:.5rem}
.done{text-align:center;padding:2rem 1.6rem 2.4rem;display:none}
.done.show{display:block;animation:fade .4s ease}
.done .seal{width:64px;height:64px;border-radius:50%;background:var(--navy);display:grid;place-items:center;margin:0 auto 1rem}
.done h3{font-family:var(--font-display);font-size:1.6rem;font-weight:600;color:var(--navy)}
.done p{color:var(--muted);margin-top:.5rem;font-size:var(--text-sm)}
@media (max-width:480px){.chips.four{grid-template-columns:1fr 1fr}.grid2{grid-template-columns:1fr;gap:0}}

/* Trust bar */
.trust{background:var(--paper);border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr)}
.trust div{padding:1.6rem 1rem;border-right:1px solid var(--line);text-align:center}
.trust div:last-child{border-right:0}
.trust strong{display:block;font-family:var(--font-display);font-size:1.7rem;color:var(--navy);font-weight:600;line-height:1.1}
.trust span{font-size:var(--text-xs);color:var(--muted);font-weight:500}
@media (max-width:760px){.trust .wrap{grid-template-columns:1fr 1fr}.trust div:nth-child(2){border-right:0}.trust div:nth-child(-n+2){border-bottom:1px solid var(--line)}}

section.block{padding:clamp(4rem,8vw,6.5rem) 0}
.sec-head{max-width:40rem;margin-bottom:2.8rem}
.sec-head h2{margin:.6rem 0 .8rem}
.sec-head p{color:var(--muted)}

/* Benefits */
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.benefit{background:var(--paper);padding:2rem 1.7rem}
.benefit .ico{width:44px;height:44px;border-radius:10px;background:#efe6d3;display:grid;place-items:center;margin-bottom:1.1rem;color:var(--navy)}
.benefit p{color:var(--muted);font-size:var(--text-sm);margin-top:.5rem}
@media (max-width:900px){.benefits{grid-template-columns:1fr 1fr}}
@media (max-width:600px){.benefits{grid-template-columns:1fr}}

/* Steps */
.steps-sec{background:var(--navy);color:#dfe5ee}
.steps-sec h2{color:#fff}
.steps-sec .sec-head p{color:#b9c3d3}
.steps-sec .eyebrow{color:var(--brass-2)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:1.5rem;counter-reset:s}
.st{border-top:2px solid var(--brass);padding-top:1.3rem}
.st .n{font-family:var(--font-display);font-size:2.4rem;color:var(--brass-2);line-height:1;font-weight:600}
.st h3{color:#fff;margin:.8rem 0 .4rem}
.st p{font-size:var(--text-sm);color:#b9c3d3}
@media (max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media (max-width:540px){.steps{grid-template-columns:1fr}}

/* States */
.states{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.state{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem 1.4rem;position:relative;overflow:hidden}
.state .ab{font-family:var(--font-display);font-size:3.2rem;font-weight:700;color:var(--navy);line-height:1;opacity:.95}
.state h3{margin:.6rem 0 .3rem}
.state p{font-size:var(--text-sm);color:var(--muted)}
.state::after{content:"";position:absolute;right:-30px;top:-30px;width:110px;height:110px;border-radius:50%;border:14px solid #efe6d3}
@media (max-width:900px){.states{grid-template-columns:1fr 1fr}}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3.5rem;align-items:center}
.split img{border-radius:var(--radius);aspect-ratio:4/3.4;object-fit:cover;object-position:50% 40%}
.split ul{list-style:none;margin-top:1.5rem;display:grid;gap:1rem}
.split li{padding-left:1.9rem;position:relative}
.split li::before{content:"";position:absolute;left:0;top:.45rem;width:14px;height:14px;background:var(--brass);clip-path:polygon(50% 0,61% 35%,98% 35%,68% 57%,79% 91%,50% 70%,21% 91%,32% 57%,2% 35%,39% 35%)}
.split li b{color:var(--navy)}
@media (max-width:860px){.split{grid-template-columns:1fr;gap:2rem}}

/* FAQ */
.faq{max-width:52rem}
.faq details{border-bottom:1px solid var(--line);padding:1.2rem 0}
.faq summary{cursor:pointer;list-style:none;font-weight:700;font-size:var(--text-lg);color:var(--navy);display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-family:var(--font-display);font-size:1.6rem;line-height:1;color:var(--brass);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{color:var(--muted);margin-top:.7rem;max-width:46rem}

/* CTA */
.cta{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:2rem;flex-wrap:wrap;padding:3.5rem 0}
.cta h2{max-width:22ch}

footer{background:var(--navy-ink);color:#9aa6b8;font-size:var(--text-xs);line-height:1.65}
footer .wrap{padding:3rem 0 2.5rem}
.f-top{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;padding-bottom:2rem;border-bottom:1px solid #22324d;margin-bottom:1.6rem}
footer .logo{color:#fff}
footer .logo .sub{color:#8795ab}
.f-meta{display:grid;gap:.25rem;text-align:right}
.f-meta b{color:#fff}
footer a{color:#d0d8e4}
.ehl{display:inline-flex;align-items:center;gap:.5rem;margin-top:1rem;color:#d0d8e4;font-weight:700}
.legal p+p{margin-top:.7rem}
@media (max-width:640px){.f-meta{text-align:left}}

/* Mobile sticky CTA */
.mcta{display:none}
@media (max-width:760px){
  .mcta{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;padding:.7rem 1rem calc(.7rem + env(safe-area-inset-bottom));background:rgba(247,243,234,.96);border-top:1px solid var(--line);gap:.6rem}
  .mcta .btn{flex:1}
  body{padding-bottom:76px}
}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}