:root{--navy:#0B2545;--teal:#0E7C7B;--cta:#F97316;--cta-d:#EA6A0A;--ink:#132033;--muted:#5B6B82;--bg:#F3F7F9;--card:#FFFFFF;--line:#DCE6EC;--radius:12px;--pad:72px;--max:1120px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:#0B5FFF}a:hover{color:#083EAA}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
/* header dark */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;border-bottom:3px solid var(--teal)}
.site-header .wrap{display:flex;align-items:center;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:19px;letter-spacing:.2px;margin-right:auto}
.brand svg{flex:none}
.nav{display:flex;gap:16px;align-items:center}
.nav a{color:#D7E6F5;text-decoration:none;font-size:15.5px;font-weight:600}
.nav a:hover{color:#fff;text-decoration:underline}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:var(--radius);padding:14px 26px;line-height:1.2}
.btn-cta{background:var(--cta);color:#fff!important;box-shadow:0 6px 18px rgba(249,115,22,.35)}
.btn-cta:hover{background:var(--cta-d)}
.btn-ghost{background:#fff;color:var(--navy)!important;border:2px solid var(--navy)}
.btn-sm{padding:10px 18px;font-size:15px}
.call-btn{white-space:nowrap}
/* hero centered gradient */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#123A6B 45%,var(--teal) 100%);color:#fff;text-align:center;padding:64px 0 72px}
.hero h1{font-size:clamp(30px,5vw,50px);line-height:1.12;margin:0 0 14px}
.hero p.lead{max-width:720px;margin:0 auto 24px;font-size:19px;color:#E6F2F2}
.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin:22px 0}
.hero-note{font-size:14px;color:#CDE3E3}
.hero-badges{display:flex;gap:10px;justify-content:center;flex-wrap:wrap;margin-top:18px}
.hero-badges span{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);padding:6px 14px;border-radius:999px;font-size:13.5px}
/* trust strip */
.trust{background:#fff;border-bottom:1px solid var(--line)}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:10px;padding-top:16px;padding-bottom:16px;text-align:center;font-weight:700;font-size:14.5px;color:var(--navy)}
.trust b{color:var(--teal)}
/* sections */
.section{padding:var(--pad) 0}
.section.alt{background:#fff}
.section h2{font-size:clamp(24px,3.4vw,34px);margin:0 0 10px;color:var(--navy);text-align:center}
.section .sub{max-width:720px;margin:0 auto 30px;text-align:center;color:var(--muted)}
.grid{display:grid;gap:18px}
.grid.services{grid-template-columns:repeat(3,1fr)}
.grid.cities{grid-template-columns:repeat(3,1fr)}
.grid.posts{grid-template-columns:repeat(3,1fr)}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 8px 24px rgba(11,37,69,.07)}
.card h3{margin:0 0 8px;font-size:19px;color:var(--navy)}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a:hover{color:var(--teal)}
.card p{margin:0 0 12px;color:var(--muted);font-size:15.5px}
.card a.more{font-weight:700;color:var(--cta-d);text-decoration:none}
/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;counter-reset:step}
.step{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;text-align:center}
.step .n{display:inline-flex;width:38px;height:38px;border-radius:50%;background:var(--cta);align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}
.step h3{margin:0 0 6px;font-size:17px}
.step p{margin:0;font-size:14.5px;color:#CBDDF0}
/* benefits */
.benefits{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.benefit{display:flex;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.benefit svg{flex:none}
/* faq */
.faq{max-width:820px;margin:0 auto}
details.faq-item{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;padding:0}
details.faq-item summary{cursor:pointer;padding:16px 20px;font-weight:700;color:var(--navy);list-style:none}
details.faq-item summary::-webkit-details-marker{display:none}
details.faq-item summary::after{content:"+";float:right;color:var(--cta);font-size:22px;line-height:1}
details.faq-item[open] summary::after{content:"–"}
details.faq-item .a{padding:0 20px 18px;color:#33465E}
/* breadcrumbs */
.crumbs{font-size:14px;color:var(--muted);margin:18px 0}
.crumbs a{color:var(--teal)}
/* content */
.content{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.content h2{color:var(--navy);text-align:left;margin-top:34px}
.content h3{color:#134E4A}
.cta-band{background:linear-gradient(140deg,var(--navy),var(--teal));color:#fff;border-radius:var(--radius);padding:32px;text-align:center;margin:30px 0}
.cta-band a.btn-cta{margin-top:12px}
.toc{background:#F0F7F7;border:1px solid var(--line);border-radius:var(--radius);padding:18px 22px;margin:20px 0}
.takeaways{background:#FFFBEB;border:2px solid #F59E0B33;border-left:6px solid var(--cta);border-radius:var(--radius);padding:18px 22px;margin:20px 0}
/* footer */
footer{background:var(--navy);color:#C9D9EC;padding:40px 0 90px;font-size:14.5px}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:20px;margin-bottom:24px}
footer h4{color:#fff;margin:0 0 10px;font-size:15px}
footer ul{list-style:none;margin:0;padding:0}
footer li{margin:6px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.2);padding-top:18px;color:#A9BED8;font-size:13px}
/* mobile bar */
.mobile-bar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--cta);color:#fff;text-align:center;padding:14px;font-weight:800;font-size:18px;text-decoration:none}
/* tables */
table.zips{width:100%;border-collapse:collapse;font-size:15px}
table.zips td,table.zips th{border:1px solid var(--line);padding:8px 10px}
/* responsive */
@media(max-width:900px){.grid.services,.grid.cities,.grid.posts{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.trust .wrap{grid-template-columns:repeat(2,1fr)}footer .cols{grid-template-columns:1fr 1fr}}
@media(max-width:620px){.nav{display:none}.grid.services,.grid.cities,.grid.posts,.benefits{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.section{padding:48px 0}.mobile-bar{display:block}body{padding-bottom:58px}.content{padding:20px}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important;animation:none!important}}