:root{
  --navy:#0E1B24; --navy-2:#1D6F80; --navy-deep:#08121A;
  --bg:#F3F6F7; --paper:#FFFFFF; --ink:#14233A; --muted:#4A5B66;
  --rule:#D5DFE3; --rule-soft:#E4EBEE; --tint:#E6F2F5;
  --brass:#1D6F80; --brass-lt:#3FB0C2; --bad:#B3261E;
  --display:"Avenir Next","Segoe UI Variable Display","Segoe UI",system-ui,-apple-system,"Helvetica Neue",Arial,sans-serif;
  --text:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --r:4px; --gutter:clamp(16px,4vw,40px); --max:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-padding-top:88px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:400 1.0625rem/1.6 var(--text)}
a{color:var(--navy-2);text-underline-offset:.18em}
a:hover{text-decoration-thickness:2px}
:focus-visible{outline:3px solid var(--brass-lt);outline-offset:3px;border-radius:3px}
h1,h2,h3{font-family:var(--display);margin:0;font-weight:700;letter-spacing:-.015em}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:12px;top:-64px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:var(--r);z-index:100}
.skip:focus{top:12px}
.js-only{display:none}
.js .js-only{display:block}

/* header */
.top{position:sticky;top:0;z-index:50;background:var(--paper);border-bottom:1px solid var(--rule)}
.top-in{max-width:var(--max);margin:0 auto;padding:10px var(--gutter);display:flex;align-items:center;gap:22px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--ink)}
.brand-logo{display:block;height:40px;width:auto}
.brand-name{display:none;font:600 .95rem/1.2 var(--display);max-width:10em;color:var(--muted);padding-left:12px;border-left:1px solid var(--rule)}
@media(min-width:700px){.brand-name{display:block}}
.nav{display:none;margin-left:auto;gap:24px}
.nav a{color:var(--ink);text-decoration:none;font-weight:500;font-size:.95rem}
.nav a:hover{text-decoration:underline;text-underline-offset:.3em}
.top-phone{margin-left:auto;font-weight:600;color:var(--ink);text-decoration:none;white-space:nowrap}
.top .top-cta{display:none}
@media(min-width:1000px){.nav{display:flex}.top-phone{margin-left:0}.top .top-cta{display:inline-block}}
@media(min-width:640px) and (max-width:999px){.top .top-cta{display:inline-block}.top-phone{margin-left:auto}}

/* buttons */
.btn{display:inline-block;font:600 1rem/1.2 var(--text);background:var(--navy);color:#fff;border:2px solid var(--navy);border-radius:var(--r);padding:14px 26px;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--navy-2);border-color:var(--navy-2)}
.btn[disabled]{opacity:.6;cursor:progress}
.btn--sm{padding:10px 18px;font-size:.95rem}
.btn--light{background:#fff;color:var(--navy);border-color:#fff}
.btn--light:hover{background:var(--tint);border-color:var(--tint)}
.btn-quiet{font:600 1rem/1.2 var(--text);background:none;border:0;color:var(--navy-2);padding:14px 4px;cursor:pointer;text-decoration:underline;text-underline-offset:.18em}

/* hero */
.hero{background:var(--navy);color:#E6EEF1;padding:clamp(40px,6vw,88px) var(--gutter) clamp(56px,8vw,112px)}
.hero-in{max-width:var(--max);margin:0 auto;display:grid;grid-template-columns:minmax(0,1fr);gap:clamp(32px,5vw,72px);align-items:start}
@media(min-width:960px){.hero-in{grid-template-columns:minmax(0,1fr) minmax(0,520px)}}
.hero-copy h1{color:#fff;font-weight:800;font-size:clamp(2.1rem,4.4vw,3.5rem);line-height:1.08;letter-spacing:-.025em;margin-bottom:.6em;text-wrap:balance;padding-bottom:.5em;border-bottom:6px double var(--brass-lt);max-width:15em}
.lead{font-size:1.2rem;max-width:34em;margin:0 0 1em;color:#D0DDE3}
.hero-note{margin:0;color:#A9BBC4}
.hero-note a{color:#fff;font-weight:600}

/* wizard */
.wizard{background:var(--paper);color:var(--ink);border-top:5px solid var(--brass-lt);border-radius:0 0 var(--r) var(--r);padding:clamp(20px,3vw,34px);scroll-margin-top:90px;box-shadow:0 18px 40px rgba(0,0,0,.28)}
.wizard:focus{outline:none}
.wiz-title{font-size:1.65rem;line-height:1.15}
.wiz-sub{margin:.35em 0 0;color:var(--muted)}
.picked{margin:12px 0 0;padding:8px 12px;background:var(--tint);border-left:4px solid var(--navy);font-size:.95rem}
.progress{list-style:none;margin:22px 0 26px;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:6px}
.progress li{font-size:.8125rem;line-height:1.25;color:var(--muted);padding-top:8px;border-top:3px solid var(--rule)}
.progress li.done{border-color:var(--navy-2);color:var(--ink)}
.progress li[aria-current="step"]{border-color:var(--brass-lt);color:var(--ink);font-weight:700}
.step-title{font-size:1.4rem;line-height:1.2;margin-bottom:.25em}
.step-title:focus{outline:none}
.step-sub{margin:0 0 16px;color:var(--muted);font-size:.975rem}
.fs{border:0;margin:0;padding:0;min-width:0}

.choices{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px;align-items:stretch;grid-auto-rows:1fr}
@media(max-width:520px){.choices{grid-template-columns:minmax(0,1fr);grid-auto-rows:auto}}
.choice{position:relative;display:flex}
.choice .box{flex:1 1 auto;width:100%}
.choice.pill{display:inline-flex}
@media(min-width:521px){.choices > .choice:last-child:nth-child(odd){grid-column:1 / -1}}
.choice input{position:absolute;inset:0;width:100%;height:100%;margin:0;opacity:0;cursor:pointer}
.choice .box{display:flex;flex-direction:column;gap:2px;min-height:72px;justify-content:center;align-items:flex-start;text-align:left;padding:12px 14px 12px 46px;border:1.5px solid var(--rule);border-radius:var(--r);background:#fff;position:relative}
.choice .box::before{content:"";position:absolute;left:14px;top:50%;margin-top:-10px;width:20px;height:20px;border:2px solid var(--navy-2);border-radius:50%;background:#fff}
.choice.cb .box::before{border-radius:3px}
.choice .lbl{font-weight:600;line-height:1.3}
.hint{font-size:.85rem;color:var(--muted);line-height:1.35}
.choice:hover .box{border-color:var(--navy-2)}
.choice input:checked + .box{border-color:var(--navy);background:var(--tint);box-shadow:inset 4px 0 0 var(--navy)}
.choice input:checked + .box::before{border-color:var(--navy);background:radial-gradient(circle,var(--navy) 0 42%,#fff 46%)}
.choice.cb input:checked + .box::before{background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3.2 3.2L15 6.8' fill='none' stroke='%23fff' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}
.choice input:focus-visible + .box{outline:3px solid var(--navy-2);outline-offset:2px}

.q{margin:0 0 22px}
.q legend,.field label,.q > label{display:block;font-weight:600;padding:0;margin-bottom:8px;line-height:1.35}
.q .hint{display:block;font-weight:400;margin-top:2px}
.pills{display:flex;flex-wrap:wrap;gap:8px}
.choice.pill .box{min-height:0;padding:8px 16px;border-radius:var(--r)}
.choice.pill .box::before{display:none}
.choice.pill input:checked + .box{background:var(--navy);border-color:var(--navy);color:#fff;box-shadow:none}
.choice.pill .lbl{font-weight:500}

.field{display:grid;gap:6px;margin-bottom:14px}
.field label{margin:0}
.opt{font-weight:400;color:var(--muted)}
.inp{width:100%;font:inherit;padding:12px 14px;border:1.5px solid var(--rule);border-radius:var(--r);background:#fff;color:var(--ink)}
.inp:hover{border-color:var(--navy-2)}
.inp[aria-invalid="true"]{border-color:var(--bad)}
textarea.inp{resize:vertical;min-height:96px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;margin:6px 0 0}
.consent input{width:22px;height:22px;margin:2px 0 0;flex:none;accent-color:var(--navy)}
.sum{margin:0 0 18px;border:1px solid var(--rule);border-radius:var(--r);padding:10px 14px;background:var(--bg)}
.sum summary{cursor:pointer;font-weight:600}
.sum dl{margin:10px 0 0;display:grid;gap:6px}
.sum dt{font-size:.85rem;color:var(--muted)}
.sum dd{margin:0 0 6px;font-weight:500}

.err{color:var(--bad);font-weight:600;margin:12px 0 0;min-height:1.5em}
.actions{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:8px;padding-top:16px;border-top:1px solid var(--rule)}
.actions .btn{margin-left:auto}
.done h3{font-size:1.6rem;margin-bottom:.4em}
.done:focus{outline:none}
.done p{margin:.4em 0}
.noscript{margin:16px 0 0}

/* sections */
.sec{padding:clamp(56px,9vw,112px) var(--gutter)}
.sec-in{max-width:var(--max);margin:0 auto}
.sec h2{font-size:clamp(1.7rem,3.2vw,2.5rem);line-height:1.12;margin-bottom:.5em;text-wrap:balance}
.sec--paper{background:var(--paper);border-block:1px solid var(--rule)}
.sec--dark{background:var(--navy);color:#E1ECF0}
.sec--dark h2{color:#fff}
.sec--dark a{color:var(--brass-lt)}
.sec--dark .btn--light{color:var(--navy)}

.svc-grid{display:grid;grid-template-columns:minmax(0,1fr);gap:clamp(28px,5vw,80px)}
@media(min-width:900px){.svc-grid{grid-template-columns:minmax(0,.8fr) minmax(0,1.4fr)}.svc-intro{position:sticky;top:100px;align-self:start}}
.svc-intro p{max-width:30em}
.aud{color:var(--muted)}
.svc-list{list-style:none;margin:0;padding:0;border-top:3px double var(--navy)}
.svc{display:grid;grid-template-columns:minmax(0,1fr);gap:6px 24px;padding:22px 0;border-bottom:1px solid var(--rule)}
@media(min-width:640px){.svc{grid-template-columns:minmax(0,1fr) auto}.svc .add{grid-column:2;grid-row:1 / span 2;align-self:center}}
.svc h3{font-size:1.25rem;line-height:1.2}
.svc p{margin:0;color:var(--muted);max-width:38em}
.add{font:600 .9rem/1.2 var(--text);background:transparent;color:var(--navy);border:1.5px solid var(--navy);border-radius:var(--r);padding:9px 16px;cursor:pointer;justify-self:start}
.add:hover,.add[aria-pressed="true"]{background:var(--navy);color:#fff}

.steps{list-style:none;margin:36px 0 0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:28px}
@media(min-width:640px){.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(min-width:1000px){.steps{grid-template-columns:repeat(4,minmax(0,1fr))}}
.steps li{border-top:3px double var(--navy);padding-top:16px}
.steps .n{display:block;font:800 2.4rem/1 var(--display);color:var(--brass);margin-bottom:10px}
.steps h3{font-size:1.2rem;margin-bottom:.3em}
.steps p{margin:0;color:var(--muted)}

.about{display:grid;grid-template-columns:minmax(0,1fr);gap:clamp(24px,5vw,72px)}
@media(min-width:900px){.about{grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr)}}
.statement{font:800 clamp(1.5rem,2.8vw,2.2rem)/1.2 var(--display);letter-spacing:-.02em;margin:0;max-width:20em}
.about-text p{margin:0 0 1em;max-width:34em}

.faq-list{border-bottom:1px solid var(--rule);max-width:820px}
.faq-list details{border-top:1px solid var(--rule)}
.faq-list summary{list-style:none;cursor:pointer;position:relative;padding:18px 44px 18px 0;font:700 1.1rem/1.3 var(--display)}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";position:absolute;right:6px;top:12px;font:400 1.8rem/1 var(--text);color:var(--navy)}
.faq-list details[open] summary::after{content:"\2212"}
.faq-list details p{margin:0 0 20px;max-width:60ch;color:var(--muted)}

.contact{display:grid;grid-template-columns:minmax(0,1fr);gap:32px}
@media(min-width:860px){.contact{grid-template-columns:minmax(0,1fr) minmax(0,1fr);align-items:start}}
.contact p{max-width:30em}
.contact-list{margin:0;display:grid;gap:18px;border-left:3px double var(--brass-lt);padding-left:24px}
.contact-list dt{font-size:.9rem;opacity:.8}
.contact-list dd{margin:0;font:700 1.35rem/1.3 var(--display)}

.foot{background:var(--navy-deep);color:#B7C6CE;padding:24px var(--gutter);font-size:.9rem}
.foot-in{max-width:var(--max);margin:0 auto;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}
.foot p{margin:0}
.foot-brand{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.foot-logo{display:block;height:32px;width:auto}
.foot a{color:var(--brass-lt)}

/* legal page */
.legal{max-width:760px;margin:0 auto;padding:clamp(36px,6vw,72px) var(--gutter)}
.legal h1{font-size:clamp(1.9rem,4vw,2.6rem);line-height:1.1;margin-bottom:.6em}
.legal h2{font-size:1.25rem;margin:1.8em 0 .4em}
.legal p,.legal li{max-width:62ch}

@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}