:root{
  --ink:#1c2422; --ink-2:#4a5552; --line:#dfe4e1; --bg:#f7f8f6; --card:#ffffff;
  --brand:#1f4d43; --brand-2:#163a33; --accent:#c2410c; --accent-2:#9a3412;
  --ok:#1a7f37; --err:#b42318; --radius:12px; --wrap:1120px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img,svg{max-width:100%;display:block}
a{color:var(--brand);text-underline-offset:2px}
a:hover{color:var(--brand-2)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:12px;top:12px}

/* header */
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:64px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--ink);text-decoration:none;letter-spacing:-.01em}
.logo svg{width:30px;height:30px}
.logo small{display:block;font-weight:500;color:var(--ink-2);font-size:12px;letter-spacing:0}
.nav{display:flex;gap:4px;align-items:center}
.nav a{color:var(--ink);text-decoration:none;font-size:15px;padding:8px 10px;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{background:var(--bg)}
.nav .menu{position:relative}
.nav details summary{list-style:none;cursor:pointer;font-size:15px;padding:8px 10px;border-radius:8px}
.nav details summary::-webkit-details-marker{display:none}
.nav details[open] summary,.nav details summary:hover{background:var(--bg)}
.nav details .drop{position:absolute;right:0;top:44px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.08);padding:8px;min-width:260px;display:grid}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:10px;padding:12px 18px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:16px;line-height:1.2}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-2);color:#fff}
.btn-ghost{background:#fff;color:var(--brand);border-color:var(--brand)}
.btn-ghost:hover{background:var(--brand);color:#fff}
.btn svg{width:18px;height:18px}
.top .btn{padding:10px 14px;font-size:15px}
@media (max-width:900px){.nav{display:none}}

/* hero */
.hero{background:var(--brand);color:#fff;padding:44px 0 40px}
.hero .grid{display:grid;grid-template-columns:1.25fr 1fr;gap:36px;align-items:start}
.crumbs{font-size:14px;margin:0 0 10px;color:#cfe0da}
.crumbs a{color:#fff}
.hero h1{font-size:clamp(30px,4.4vw,46px);line-height:1.1;margin:0 0 14px;letter-spacing:-.02em}
.hero .lede{font-size:19px;color:#e6f0ec;margin:0 0 22px;max-width:56ch}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap}
.hero .btn-ghost{background:transparent;color:#fff;border-color:#fff}
.hero .btn-ghost:hover{background:#fff;color:var(--brand)}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 0;padding:0;list-style:none}
.pills li{background:rgba(255,255,255,.12);border-radius:999px;padding:6px 12px;font-size:14px}
@media (max-width:900px){.hero .grid{grid-template-columns:1fr}.hero{padding:30px 0}}

/* form */
.quote{background:#fff;color:var(--ink);border-radius:var(--radius);padding:22px;box-shadow:0 12px 40px rgba(0,0,0,.18)}
.quote h2{margin:0 0 4px;font-size:22px}
.quote .sub{margin:0 0 14px;color:var(--ink-2);font-size:15px}
.field{margin:0 0 12px}
.field label{display:block;font-weight:600;font-size:14px;margin:0 0 4px}
.field .opt{font-weight:400;color:var(--ink-2)}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1px solid #c5ccc8;border-radius:8px;background:#fff;color:var(--ink)}
.field textarea{min-height:86px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid rgba(228,87,46,.35);border-color:var(--accent)}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
@media (max-width:480px){.row2{grid-template-columns:1fr}}
.field[aria-invalid="true"] input,.field[aria-invalid="true"] textarea,.field[aria-invalid="true"] select{border-color:var(--err)}
.err{color:var(--err);font-size:13px;margin-top:4px;display:none}
.field[aria-invalid="true"] .err{display:block}
.hp{position:absolute!important;left:-9999px!important;height:0;overflow:hidden}
.quote .btn{width:100%;margin-top:4px}
.consent{font-size:12.5px;color:var(--ink-2);margin:10px 0 0}
.form-msg{margin:12px 0 0;font-weight:600;font-size:15px}
.form-msg.ok{color:var(--ok)}
.form-msg.bad{color:var(--err)}

/* content */
main section{padding:40px 0;border-bottom:1px solid var(--line)}
main section:nth-of-type(even){background:#fff}
.content h2{font-size:clamp(24px,3vw,30px);line-height:1.2;margin:0 0 14px;letter-spacing:-.01em}
.content p{max-width:72ch}
.checklist{padding:0;margin:0 0 16px;list-style:none;display:grid;gap:8px}
.checklist li{padding-left:30px;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:6px;width:18px;height:18px;border-radius:50%;background:var(--brand) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12l5 5 9-10'/%3E%3C/svg%3E") center/12px no-repeat}
.checklist.cols{grid-template-columns:repeat(auto-fill,minmax(250px,1fr));column-gap:24px}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px;max-width:780px}
.steps li{counter-increment:s;padding:16px 16px 16px 62px;position:relative;background:var(--bg);border:1px solid var(--line);border-radius:var(--radius)}
main section:nth-of-type(even) .steps li{background:#fff}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--accent);color:#fff;font-weight:800;display:grid;place-items:center}
.note{font-size:15px;color:var(--ink-2);background:#fff6ef;border-left:4px solid var(--accent);padding:10px 14px;border-radius:6px;max-width:72ch}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}
main section:nth-of-type(even) .card{background:var(--bg)}
.card:hover{border-color:var(--brand);box-shadow:0 6px 20px rgba(0,0,0,.06);color:var(--ink)}
.card h3{margin:0 0 6px;font-size:18px;color:var(--brand)}
.card p{margin:0;font-size:15px;color:var(--ink-2)}
table{border-collapse:collapse;width:100%;max-width:760px;margin:0 0 14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;font-size:15.5px}
th,td{text-align:left;padding:10px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:0 16px;margin:0 0 10px;max-width:820px}
main section:nth-of-type(even) .faq details{background:var(--bg)}
.faq summary{cursor:pointer;font-weight:700;padding:14px 0;list-style:none;position:relative;padding-right:28px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:10px;font-size:24px;color:var(--brand)}
.faq details[open] summary::after{content:"−"}
.faq details p{margin:0 0 14px}
.cta-band{background:var(--brand-2);color:#fff;padding:36px 0;text-align:center}
.cta-band h2{margin:0 0 8px;font-size:28px}
.cta-band p{margin:0 auto 18px;color:#d5e5df;max-width:60ch}
.cta-band .ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
.cta-band .btn-ghost{background:transparent;color:#fff;border-color:#fff}
.related{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0}
.related a{display:inline-block;border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;text-decoration:none;font-size:15px}
.narrow{max-width:760px}

/* footer */
footer{background:#121816;color:#c6d0cc;padding:40px 0 100px;font-size:15px}
footer .cols{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px}
footer h2{color:#fff;font-size:16px;margin:0 0 10px}
footer a{color:#e6ece9}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:6px}
footer .fine{border-top:1px solid #2a3330;margin-top:28px;padding-top:16px;font-size:13.5px;color:#93a09b}
@media (max-width:800px){footer .cols{grid-template-columns:1fr}}

/* mobile action bar */
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:none;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.06)}
.mbar .btn{flex:1;padding:12px 10px}
@media (max-width:900px){.mbar{display:flex}}
@media (min-width:901px){footer{padding-bottom:40px}}

.draft-banner{background:#7a2e0e;color:#fff;text-align:center;font-size:14px;padding:6px 12px}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

/* mobile menu + short labels */
.btn .sm{display:none}
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;font-weight:700;border:1px solid var(--line);border-radius:10px;padding:9px 14px;font-size:15px}
.mnav summary::-webkit-details-marker{display:none}
.mnav[open] summary{background:var(--bg)}
.mnav-panel{position:absolute;right:0;top:48px;width:min(86vw,320px);max-height:75vh;overflow:auto;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 14px 40px rgba(0,0,0,.14);padding:8px;display:grid}
.mnav-panel a{padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none}
.mnav-panel a:hover{background:var(--bg)}
.mnav-h{margin:8px 12px 2px;font-size:12px;text-transform:uppercase;letter-spacing:.06em;color:var(--ink-2);font-weight:700}
@media (max-width:900px){.mnav{display:block}.top-cta{display:none}.logo small{display:none}}
@media (max-width:560px){.btn .lg{display:none}.btn .sm{display:inline}.hero .btn .lg{display:inline}.hero .btn .sm{display:none}}

a[href^="tel:"]{white-space:nowrap}