@font-face{font-family:Inter;src:url(/assets/fonts/inter-var.woff2) format("woff2");font-weight:100 900;font-display:swap}
:root{--navy:#0a2540;--blue:#0b67b2;--sky:#2aa7e8;--ice:#eef6fc;--warm:#ff7a1a;--warm2:#ff9a3d;--ink:#10243a;--mut:#5b6e80;--line:#dbe7f0;--r:16px;--sh:0 10px 30px rgba(10,37,64,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16.5px/1.65 Inter,system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;padding-bottom:62px}
a{color:var(--blue)}img{max-width:100%;height:auto;display:block}.wrap{max-width:1160px;margin:0 auto;padding:0 20px}.narrow{max-width:860px}
.i{width:1.15em;height:1.15em;vertical-align:-.2em;flex:none}
.topbar{background:var(--navy);color:#cfe3f5;font-size:13.5px}.tb{display:flex;gap:18px;justify-content:space-between;align-items:center;min-height:36px}.topbar a{color:#fff;font-weight:700;text-decoration:none}.hide-sm{display:none}
.top{position:sticky;top:0;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid var(--line);z-index:20}.hdr{display:flex;align-items:center;gap:18px;min-height:70px}
.logo{color:var(--navy);display:block}.logo-svg{height:42px;width:auto}.nav{display:none;gap:22px;margin-left:auto}.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}.nav a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;gap:8px;background:linear-gradient(180deg,var(--warm2),var(--warm));color:#fff;font-weight:700;padding:14px 22px;border-radius:12px;text-decoration:none;border:0;font-size:16px;box-shadow:0 6px 18px rgba(255,122,26,.35);transition:transform .15s}.btn:hover{transform:translateY(-2px)}
.btn.sm{padding:10px 16px;font-size:14.5px;margin-left:auto}.btn.ghost{background:#fff;color:var(--blue);box-shadow:none;border:2px solid var(--blue)}.btn.ghost.light{background:transparent;color:#fff;border-color:#fff}
.hero{position:relative;color:#fff;overflow:hidden;background:var(--navy)}.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:60% 50%}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(10,37,64,.96) 0%,rgba(10,37,64,.85) 45%,rgba(11,103,178,.45) 100%)}
.hero-in{position:relative;z-index:1;padding:44px 20px 52px}.hero.home .hero-in{padding:64px 20px 76px}.hero h1{font-size:clamp(30px,6.4vw,54px);line-height:1.1;letter-spacing:-.02em;margin:.15em 0 .4em;max-width:780px}
.answer{font-size:17.5px;max-width:700px;background:rgba(255,255,255,.08);border-left:4px solid var(--warm);padding:14px 18px;border-radius:0 12px 12px 0;color:#eaf3fb}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0 10px}.trust{font-size:13px;color:#a9c4dc}.bc{font-size:14px;color:#a9c4dc}.bc a{color:#fff}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12.5px;font-weight:800;color:var(--warm);margin:0}.eyebrow.light{color:var(--warm2)}
.badges{background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--sh);position:relative;z-index:2}.bgrid{display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:16px 20px}.badge{display:flex;align-items:center;gap:10px;font-weight:700;font-size:14px;color:var(--navy)}.badge .i{width:30px;height:30px;padding:6px;background:var(--ice);color:var(--blue);border-radius:9px}
.band{padding:56px 0}.band.alt{background:var(--ice)}h2{font-size:clamp(24px,4vw,36px);line-height:1.2;letter-spacing:-.015em;margin:.25em 0 .6em;color:var(--navy)}h3{color:var(--navy);margin:1.3em 0 .3em;font-size:19px}
.split{display:grid;gap:30px;align-items:center}.split figure{margin:0}.split img{border-radius:var(--r);box-shadow:var(--sh)}
.cards{display:grid;grid-template-columns:1fr;gap:16px}.card{display:flex;flex-direction:column;gap:4px;padding:22px;border:1px solid var(--line);border-radius:var(--r);text-decoration:none;color:var(--ink);background:#fff;box-shadow:0 2px 6px rgba(10,37,64,.04);transition:.18s}.card:hover{transform:translateY(-3px);box-shadow:var(--sh);border-color:var(--sky)}
.card strong{font-size:18px;color:var(--navy)}.card .sub{color:var(--mut);font-size:14.5px}.card .more{color:var(--warm);font-weight:700;font-size:14px;margin-top:6px}.ib{display:inline-grid;place-items:center;width:48px;height:48px;border-radius:12px;background:linear-gradient(135deg,var(--blue),var(--sky));color:#fff;margin-bottom:8px}.ib .i{width:26px;height:26px}
.center{text-align:center;margin-top:26px}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:16px;counter-reset:s}.steps li{counter-increment:s;background:#fff;border-radius:var(--r);padding:22px;box-shadow:var(--sh);position:relative}.steps li:before{content:counter(s);position:absolute;top:16px;right:18px;font-weight:900;font-size:34px;color:#e2edf6}.steps .i{width:40px;height:40px;padding:8px;border-radius:50%;background:var(--warm);color:#fff;display:block;margin-bottom:10px}.steps strong{display:block;color:var(--navy);font-size:17px}.steps span{color:var(--mut);font-size:14.5px}
.duke{display:flex;gap:18px;background:linear-gradient(135deg,#fff7ef,#fff);border:2px solid #ffd2ad;border-radius:20px;padding:26px;box-shadow:var(--sh)}.duke>.i{width:52px;height:52px;padding:11px;border-radius:14px;background:var(--warm);color:#fff}
.tw{overflow-x:auto;border-radius:12px;border:1px solid var(--line);background:#fff}table{border-collapse:collapse;width:100%;font-size:15px}th,td{border-bottom:1px solid var(--line);padding:11px 14px;text-align:left}th{background:var(--navy);color:#fff;font-weight:700}tr:nth-child(even) td{background:#f7fbfe}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0 18px;margin:10px 0;box-shadow:0 2px 6px rgba(10,37,64,.04)}summary{font-weight:700;cursor:pointer;padding:16px 28px 16px 0;list-style:none;position:relative;color:var(--navy)}summary::-webkit-details-marker{display:none}summary:after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--warm)}details[open] summary:after{content:"–"}details p{margin:0 0 16px}
.faqb{background:linear-gradient(180deg,#fff,var(--ice))}
.ph,.ph-note{background:#fff7d9;border:1px dashed #e0b400;padding:10px 14px;border-radius:10px}figure.ph{background:none;border:0;padding:0}
.tgrid{display:grid;gap:16px}.tcard{margin:0;background:#fff;border-radius:var(--r);padding:22px;box-shadow:var(--sh);position:relative;border:2px dashed #e0b400}.stars{color:#f5a623;letter-spacing:2px}.tcard blockquote{margin:10px 0;font-style:italic;color:var(--mut)}.tcard figcaption{font-weight:700;font-size:14px}.tag{position:absolute;top:12px;right:12px;background:#e0b400;color:#fff;font-size:11px;font-weight:800;padding:3px 8px;border-radius:99px;text-transform:uppercase}
.form{display:grid;gap:12px;max-width:520px;background:#fff;padding:22px;border-radius:var(--r);box-shadow:var(--sh)}.form label{font-weight:600;font-size:14px}.form input,.form select,.form textarea{width:100%;padding:12px;border:1px solid #c9d8e2;border-radius:10px;font:inherit;margin-top:4px}
.cta-band{background:linear-gradient(120deg,var(--navy),var(--blue));color:#fff;padding:48px 0}.cta-band h2{color:#fff;margin:0 0 .2em}.ctab{display:grid;gap:10px;align-items:center}
footer{background:#06192c;color:#b9cde0;padding:48px 0 14px}footer a{color:#e3f1fc;text-decoration:none}footer a:hover{color:var(--warm2)}footer ul{list-style:none;padding:0;margin:.6em 0;line-height:2}footer strong{color:#fff}.flogo{color:#fff}.fgrid{display:grid;gap:26px}.small{font-size:13px;border-top:1px solid #163250;padding-top:14px;margin-top:20px}
.sticky{position:fixed;left:0;right:0;bottom:0;background:linear-gradient(180deg,var(--warm2),var(--warm));color:#fff;display:flex;justify-content:center;gap:8px;align-items:center;font-weight:800;padding:16px;text-decoration:none;z-index:30}
@media(min-width:640px){.cards{grid-template-columns:repeat(2,1fr)}.steps{grid-template-columns:repeat(2,1fr)}.tgrid{grid-template-columns:repeat(3,1fr)}.hide-sm{display:inline}}
@media(min-width:900px){.nav{display:flex}.btn.sm{margin-left:0}.cards{grid-template-columns:repeat(3,1fr)}.cards.sm{grid-template-columns:repeat(3,1fr)}.steps{grid-template-columns:repeat(4,1fr)}.split{grid-template-columns:1.1fr .9fr}.bgrid{grid-template-columns:repeat(5,1fr)}.fgrid{grid-template-columns:2fr 1fr 1fr}.ctab{grid-template-columns:1fr auto}.sticky{display:none}body{padding-bottom:0}.hero-in{padding:70px 20px 80px}.hero.home .hero-in{padding:110px 20px 120px}}
.btn,.topbar a{white-space:nowrap}@media(max-width:420px){.logo-svg{height:36px}.btn.sm{padding:9px 12px}.tb span:first-child{font-size:12px}}
.lead{display:grid;grid-template-columns:1fr;gap:12px;background:#fff;padding:24px;border-radius:20px;box-shadow:var(--sh);border-top:5px solid var(--warm)}
.lead label{font-weight:700;font-size:14px;color:var(--navy);display:flex;flex-direction:column;gap:5px}
.lead input,.lead select,.lead textarea{width:100%;padding:12px 14px;border:1.5px solid #c9d8e2;border-radius:10px;font:inherit;font-weight:400;background:#fbfdff;color:var(--ink)}
.lead input:focus,.lead select:focus,.lead textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(11,103,178,.15)}
.lead .btn{justify-content:center;width:100%}.lead .fine{font-size:12.5px;color:var(--mut);margin:0}.hp{position:absolute!important;left:-9999px;width:1px;height:1px;opacity:0}
.formband{background:linear-gradient(135deg,var(--ice),#fff)}.fsplit{display:grid;gap:30px;align-items:center}.checks{list-style:none;padding:0}.checks li{padding-left:28px;position:relative;margin:8px 0;font-weight:600}.checks li:before{content:"✓";position:absolute;left:0;color:#fff;background:var(--warm);width:20px;height:20px;border-radius:50%;font-size:12px;display:grid;place-items:center;top:3px}
@media(min-width:640px){.lead{grid-template-columns:1fr 1fr}.lead .full{grid-column:1/-1}}
@media(min-width:900px){.fsplit{grid-template-columns:.9fr 1.1fr}}
@media(max-width:600px){.tb{justify-content:space-between;min-height:34px;gap:8px}.tb span{display:none}.tb span:first-child{display:inline;font-size:12px;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;max-width:62%}.hdr{gap:10px;min-height:62px}.logo-svg{height:34px}.btn.sm{padding:9px 12px;font-size:14px;white-space:nowrap;flex:none}}
.hero-in{display:grid;gap:26px;align-items:center}.hero-form{color:var(--ink);gap:10px;padding:22px}.hero-form .ftitle{margin:0;font-size:22px;font-weight:800;color:var(--navy)}.hero-form .fsub{margin:-6px 0 4px;font-size:13px;color:var(--mut)}
.fld{display:flex;flex-direction:column;gap:4px}.fld label{font-weight:700;font-size:13.5px;color:var(--navy)}.hero-form input,.hero-form select,.hero-form textarea{padding:10px 12px}
.hero-form .ftitle,.hero-form .fsub,.hero-form .full{grid-column:1/-1}
@media(min-width:900px){.hero-in{grid-template-columns:1.15fr .85fr;gap:44px}.hero.home .hero-in{padding:80px 20px 90px}}
.logo-img{height:52px;width:auto}.flogo{display:inline-block;background:#fff;border-radius:14px;padding:8px 12px}.flogo .logo-img{height:56px}
@media(max-width:600px){.logo-img{height:44px}}
/* header v3 */
.topbar{font-size:13px}.tb{justify-content:space-between;flex-wrap:nowrap}.tb>span{display:inline-flex;align-items:center;gap:6px;white-space:nowrap}.tb .stars{color:#f5b301;letter-spacing:1px}.tb-247{color:#ffb27a;font-weight:700}
.tb-lic,.tb-rate,.tb-247{display:none!important}
.top{background:#fff;transition:box-shadow .2s;border-bottom:1px solid var(--line)}.top.scrolled{box-shadow:0 8px 24px rgba(10,37,64,.12)}
.hdr{min-height:78px;gap:16px;position:relative}.mainnav{display:none;margin:0 auto}.mainnav>ul{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.mainnav>ul>li>a{display:flex;align-items:center;gap:5px;padding:10px 12px;border-radius:10px;color:var(--navy);font-weight:650;font-size:15px;text-decoration:none}
.mainnav>ul>li>a:hover,.mainnav a[aria-current]{color:var(--blue);background:var(--ice)}.chev{width:11px;height:8px;transition:transform .2s}
.has-mega:hover .chev,.has-mega:focus-within .chev{transform:rotate(180deg)}
.mega{position:absolute;left:0;right:0;top:100%;padding-top:6px;opacity:0;visibility:hidden;transform:translateY(8px);transition:.18s;z-index:40}
.has-mega:hover .mega,.has-mega:focus-within .mega,.mega.force{opacity:1;visibility:visible;transform:none}
.mega-in{background:#fff;border-radius:18px;box-shadow:0 24px 60px rgba(10,37,64,.22);border:1px solid var(--line);display:grid;grid-template-columns:1fr 280px;overflow:hidden}
.mega-grid{list-style:none;margin:0;padding:18px;display:grid;grid-template-columns:repeat(2,1fr);gap:4px}.mega-grid a{display:flex;gap:12px;align-items:flex-start;padding:10px 12px;border-radius:12px;text-decoration:none;color:var(--ink)}.mega-grid a:hover{background:var(--ice)}
.mega-grid strong{display:block;color:var(--navy);font-size:15px}.mega-grid small{color:var(--mut);font-size:12.5px}.mi{flex:none;display:grid;place-items:center;width:38px;height:38px;border-radius:10px;background:linear-gradient(135deg,var(--blue),var(--sky));color:#fff}
.mega-cta{background:linear-gradient(160deg,var(--navy),var(--blue));color:#dbeaf7;padding:24px;display:flex;flex-direction:column;gap:10px}.mega-cta strong{color:#fff}.mega-cta p{margin:0}.mega-phone{color:#fff;font-weight:800;text-decoration:none;display:flex;gap:8px;align-items:center}
.hdr-right{display:flex;align-items:center;gap:10px;margin-left:auto}.phone-block{display:none;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}.phone-block small{display:block;font-size:12px;color:var(--mut);font-weight:600;text-transform:uppercase;letter-spacing:.06em}.phone-block strong{font-size:18px;white-space:nowrap}
.pb-ic{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--ice);color:var(--blue);transition:.2s}.phone-block:hover .pb-ic{background:var(--blue);color:#fff}
.btn.sched{padding:12px 18px;font-size:15px;white-space:nowrap;box-shadow:0 6px 16px rgba(255,122,26,.4)}.btn.sched:hover{filter:brightness(1.05);transform:translateY(-2px);box-shadow:0 10px 22px rgba(255,122,26,.5)}
.m-call{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:var(--ice);color:var(--blue)}
.m-menu>summary{list-style:none;cursor:pointer;width:44px;height:42px;border-radius:12px;display:grid;place-items:center;background:var(--navy)}.m-menu>summary::-webkit-details-marker{display:none}
.bars{display:grid;gap:4px}.bars i{display:block;width:20px;height:2.5px;background:#fff;border-radius:2px;transition:.2s}
.m-menu[open] .bars i:nth-child(1){transform:translateY(6.5px) rotate(45deg)}.m-menu[open] .bars i:nth-child(2){opacity:0}.m-menu[open] .bars i:nth-child(3){transform:translateY(-6.5px) rotate(-45deg)}
.m-panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 24px 40px rgba(10,37,64,.2);padding:10px 20px 20px;max-height:calc(100vh - 120px);overflow:auto;animation:slide .2s ease}
@keyframes slide{from{opacity:0;transform:translateY(-8px)}to{opacity:1;transform:none}}
.m-panel ul{list-style:none;margin:0;padding:0}.m-panel>ul>li{border-bottom:1px solid var(--line)}.m-panel a,.m-sub summary{display:flex;align-items:center;gap:10px;padding:14px 4px;color:var(--navy);font-weight:700;text-decoration:none;cursor:pointer}
.m-sub summary{list-style:none;justify-content:space-between}.m-sub summary::after{content:"+";color:var(--warm);font-size:22px}.m-sub[open] summary::after{content:"–"}.m-sub ul{padding:0 0 8px 6px}.m-sub ul a{font-weight:600;padding:10px 4px;color:var(--ink)}.m-sub .i{color:var(--blue)}
.m-panel .btn{margin-top:12px;justify-content:center}
@media(max-width:600px){.btn.sched{padding:10px 12px;font-size:13.5px}.hdr{min-height:66px;gap:8px}.hdr-right{gap:6px}.m-call{width:40px;height:40px}.m-menu>summary{width:40px;height:40px}.tb{justify-content:center}.logo-img{height:40px}}
@media(max-width:370px){.btn.sched{display:none}}
@media(min-width:700px){.tb-lic{display:inline-flex!important}}
@media(min-width:1000px){.tb-247,.tb-rate{display:inline-flex!important}}
@media(min-width:1100px){.mainnav{display:block}.m-call,.m-menu{display:none}.phone-block{display:flex}.nav{display:none}}
@media(min-width:900px) and (max-width:1099px){.phone-block{display:flex}}
.m-menu,.m-sub{border:0;padding:0;margin:0;background:none;box-shadow:none;border-radius:0}.m-menu>summary{padding:0}.m-menu>summary:after{content:none}
.m-sub>summary{padding:14px 4px;position:static}.m-sub>summary:after{position:static;font-size:22px}
.m-panel a.btn{color:#fff;padding:14px}.m-panel a.btn.ghost{color:var(--blue)}
.trust6{grid-template-columns:1fr}.trustc{border:0}.trustc strong{display:block;color:var(--navy);font-size:17px;margin-top:4px}.trustc p{margin:4px 0 0;color:var(--mut);font-size:14.5px}.est{font-size:13.5px;color:var(--mut);background:#f5f9fc;border-left:3px solid var(--sky);padding:8px 12px;border-radius:0 8px 8px 0}
@media(min-width:640px){.trust6{grid-template-columns:repeat(2,1fr)}}@media(min-width:900px){.trust6{grid-template-columns:repeat(3,1fr)}}