:root{
  --navy:#0D1B2A;--navy2:#13293D;--teal:#39D6C4;--teal-d:#20B0A0;--mint:#F0FBFA;--line:#DCEBE9;
  --ink:#12181F;--muted:#4A5560;--slate:#A9BCCB;--link:#0B6B61;--white:#fff;--warn:#FFF6E0;--warn-line:#F0D590;
  --radius:14px;--wrap:1180px;
  --f-body:'Inter',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
  --f-head:'Space Grotesk','Inter',system-ui,-apple-system,'Segoe UI',Arial,sans-serif;
  --bp:900px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--f-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:16px}
img{max-width:100%;height:auto}
h1,h2,h3,h4{font-family:var(--f-head);letter-spacing:-.01em;line-height:1.18}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;border-radius:8px;z-index:200;text-decoration:none;font-weight:700}
.skip-link:focus{left:12px}
a{color:var(--link)}
a:focus-visible,button:focus-visible{outline:3px solid var(--teal-d);outline-offset:2px}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--teal);color:var(--navy);font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:100px;box-shadow:0 10px 22px rgba(57,214,196,.3);border:0;cursor:pointer;font-family:var(--f-body)}
.btn:hover{background:var(--teal-d)}
.btn-dark{background:var(--navy);color:#fff;box-shadow:none}
.btn-dark:hover{background:var(--navy2)}
.btn-ghost{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:none}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-sm{font-size:14px;padding:11px 20px}

/* topbar */
.topbar{background:var(--navy2);color:var(--slate);font-size:13.5px;padding:9px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:var(--teal);font-weight:700;text-decoration:none}

/* header + nav */
.site-header{background:var(--white);box-shadow:0 1px 0 var(--line);position:relative;z-index:60}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;height:78px;gap:16px}
.logo-link{display:inline-flex;align-items:center;text-decoration:none;flex:0 0 auto}
.logo-img{display:block;width:216px;height:46px}
.nav-links{list-style:none;display:flex;align-items:center;gap:6px}
.nav-links>li{position:relative}
.nav-links>li>a{display:inline-block;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;padding:10px 12px;border-radius:8px}
.nav-links>li>a:hover{color:var(--link);background:var(--mint)}
.nav-links .btn{font-size:14px;padding:11px 20px;margin-left:6px;color:var(--navy)}
.nav-links .btn:hover{background:var(--teal-d);color:var(--navy)}
.has-dropmenu>a:after{content:"";display:inline-block;margin-left:7px;border:4px solid transparent;border-top-color:currentColor;vertical-align:-2px}
.dropmenu{list-style:none;position:absolute;top:100%;left:0;min-width:270px;background:var(--white);border:1px solid var(--line);border-radius:12px;box-shadow:0 18px 40px rgba(13,27,42,.14);padding:8px;display:none;z-index:70}
.has-dropmenu:hover>.dropmenu,.has-dropmenu:focus-within>.dropmenu{display:block}
.dropmenu li{list-style:none}
.dropmenu a{display:block;padding:9px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14px;font-weight:600}
.dropmenu a:hover{background:var(--mint);color:var(--link)}
.dropmenu .dropmenu-all a{color:var(--link)}
.nav-toggle{display:none;background:var(--navy);color:#fff;border:0;border-radius:10px;width:46px;height:46px;cursor:pointer;align-items:center;justify-content:center}
.nav-toggle-bars,.nav-toggle-bars:before,.nav-toggle-bars:after{display:block;width:20px;height:2px;background:#fff;border-radius:2px;position:relative}
.nav-toggle-bars:before,.nav-toggle-bars:after{content:"";position:absolute;left:0}
.nav-toggle-bars:before{top:-6px}.nav-toggle-bars:after{top:6px}
.mob-overlay{position:fixed;inset:0;background:rgba(13,27,42,.55);z-index:90;opacity:0;visibility:hidden;transition:opacity .2s}
.mob-overlay.is-open{opacity:1;visibility:visible}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(86vw,340px);background:var(--navy);color:#fff;z-index:100;transform:translateX(100%);transition:transform .25s;overflow-y:auto;padding:20px 20px 40px;visibility:hidden}
.mob-drawer.is-open{transform:none;visibility:visible}
.mob-head{display:flex;align-items:center;justify-content:space-between;margin-bottom:18px}
.mob-close{background:rgba(255,255,255,.12);color:#fff;border:0;border-radius:10px;width:42px;height:42px;font-size:22px;cursor:pointer}
.mob-drawer h2{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--slate);margin:20px 0 6px;font-family:var(--f-body)}
.mob-drawer ul{list-style:none}
.mob-drawer li a{display:block;color:#fff;text-decoration:none;font-weight:600;padding:11px 4px;border-bottom:1px solid rgba(255,255,255,.1);font-size:16px}
.mob-drawer .btn{display:flex;justify-content:center;margin-top:20px;color:var(--navy)}

/* breadcrumbs */
.crumbs{font-size:13px;color:var(--slate);margin-bottom:14px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li:before{content:"/";margin-right:6px;opacity:.6}
.crumbs a{color:#fff;text-decoration:none;opacity:.88}
.crumbs a:hover{text-decoration:underline}

/* hero + pagehead */
.hero,.pagehead{position:relative;isolation:isolate;color:#fff;background:linear-gradient(135deg,#0D1B2A 0%,#13293D 58%,#0F4A52 100%);overflow:hidden}
.hero:after,.pagehead:after{content:"";position:absolute;right:-120px;top:-140px;width:420px;height:420px;border-radius:50%;background:radial-gradient(circle,rgba(57,214,196,.28),rgba(57,214,196,0) 68%);z-index:-1;pointer-events:none}
.hero{padding:64px 0 70px}
.pagehead{padding:46px 0 52px}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-3}
.has-hero:before{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,27,42,.9) 0%,rgba(13,27,42,.78) 55%,rgba(13,27,42,.55) 100%);z-index:-2}
.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:50px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:rgba(57,214,196,.16);color:#BFF5EE;border:1px solid rgba(57,214,196,.4);font-weight:700;font-size:13px;padding:7px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--teal)}
.badge-alt{background:var(--teal);color:var(--navy);border-color:var(--teal)}
.badge-alt:before{background:var(--navy)}
.hero h1{font-size:clamp(30px,4.6vw,46px);margin-bottom:16px;color:#fff}
.hero h1 em{font-style:normal;color:var(--teal)}
.hero-sub{color:#D3E0EA;font-size:17px;max-width:520px;margin-bottom:24px}
.pagehead h1{font-size:clamp(28px,4vw,40px);color:#fff;max-width:900px;margin-bottom:12px}
.pagehead .hero-sub{max-width:760px;margin-bottom:20px}
.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:22px}
.trustrow{display:flex;gap:18px;flex-wrap:wrap;color:#D3E0EA;font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:var(--teal)}
.statpanel{background:rgba(19,41,61,.82);border:1px solid rgba(255,255,255,.14);color:#fff;border-radius:var(--radius);padding:28px;backdrop-filter:blur(4px)}
.statpanel h2{font-size:15px;opacity:.78;margin-bottom:14px;font-family:var(--f-body);font-weight:600}
.strow{display:flex;justify-content:space-between;gap:14px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.14);font-size:14px}
.strow:last-child{border-bottom:none}
.strow b{color:var(--teal);font-family:var(--f-head);font-size:16px;text-align:right}
.zips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin-top:4px}
.zip-chip{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.3);color:#fff;font-weight:700;font-size:13.5px;padding:5px 13px;border-radius:100px}
.zip-chip-primary{background:var(--teal);color:var(--navy);border-color:var(--teal)}
.zips-label{font-size:12.5px;color:var(--slate);font-weight:600;letter-spacing:.06em;text-transform:uppercase;margin:6px 0 6px}

/* strip */
.strip{background:var(--mint);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;padding:16px 24px;flex-wrap:wrap;gap:10px}
.stripitem{display:flex;align-items:center;gap:9px;font-weight:700;font-size:14px;color:var(--navy2)}
.stripitem svg{width:20px;height:20px;flex:0 0 20px;fill:none;stroke:var(--link);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}

/* sections */
.sec{padding:64px 0;background:var(--white)}
.sec-alt{background:var(--mint)}
.kick{color:var(--link);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.sec h2,.block h2{font-size:clamp(24px,3vw,32px);margin:0 0 14px;color:var(--navy)}
.sec h3,.block h3{font-size:20px;margin:22px 0 8px;color:var(--navy2)}
main p{max-width:72ch}
main p+p{margin-top:14px}
main h2+p,main h3+p{margin-top:14px}
main ul.plain{margin:12px 0 0 20px}
main ul.plain li{margin-bottom:6px}
.prose-narrow{max-width:860px;margin:0 auto}
.block{margin-bottom:40px}
.block:last-child{margin-bottom:0}
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start}
.article-col{min-width:0}
.sidecard{position:sticky;top:24px;align-self:start;background:var(--navy2);color:#fff;border-radius:var(--radius);padding:26px;box-shadow:0 18px 40px rgba(13,27,42,.18)}
.sidecard-kick{display:inline-flex;align-items:center;gap:8px;font-size:12px;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--teal);margin-bottom:10px}
.sidecard-kick:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--teal)}
.sidecard h3{font-size:20px;color:#fff;margin:0 0 8px}
.sidecard p{color:#D3E0EA;font-size:14.5px;margin-bottom:16px}
.sidecard .btn{width:100%;justify-content:center}
.sidecard ul{list-style:none;margin:18px 0 14px}
.sidecard li{display:flex;gap:10px;font-size:14px;padding:8px 0;border-top:1px solid rgba(255,255,255,.12);color:#fff}
.sidecard li:before{content:"\2713";color:var(--teal);font-weight:700}
.sidecard-link{display:block;color:var(--teal);font-weight:700;font-size:14px;text-decoration:none}
.sidecard-link:hover{text-decoration:underline}

/* cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.sec-alt .card{background:var(--white)}
.card h3{font-size:18px;margin:0 0 8px;color:var(--navy)}
.card p{font-size:14.5px;color:var(--muted)}
.card-ic{width:48px;height:48px;background:var(--mint);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card-ic svg{width:24px;height:24px;fill:none;stroke:var(--link);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.cards-2{grid-template-columns:repeat(2,1fr)}
.cards-4{grid-template-columns:repeat(4,1fr)}
.card-num{width:40px;height:40px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-family:var(--f-head);font-weight:700;margin-bottom:12px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative;list-style:none;margin-top:6px}
.steps:before{content:"";position:absolute;top:28px;left:12%;right:12%;height:2px;background:var(--line)}
.step{text-align:center;padding:0 14px;position:relative}
.step-n{width:56px;height:56px;border-radius:50%;background:var(--teal);color:var(--navy);font-family:var(--f-head);font-weight:700;font-size:21px;display:flex;align-items:center;justify-content:center;margin:0 auto 14px;position:relative;z-index:2}
.step h3{font-size:17px;margin:0 0 6px}
.step p{font-size:14px;color:var(--muted);margin:0 auto}

/* callouts + checklists + prep */
.callout{background:var(--mint);border:1px solid var(--line);border-left:5px solid var(--teal-d);border-radius:12px;padding:20px 24px;margin:6px 0}
.callout h3{margin:0 0 8px;font-size:18px}
.callout p{font-size:15.5px}
.callout-warn{background:var(--warn);border-color:var(--warn-line);border-left-color:#D9A21B}
.checklist{background:var(--white);border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:12px;padding:22px 24px;box-shadow:0 8px 24px rgba(13,27,42,.05)}
.checklist h3{margin:0 0 10px;font-size:18px}
.checklist ul{list-style:none;margin:0}
.checklist li{position:relative;padding:8px 0 8px 30px;border-top:1px solid var(--line);font-size:15.5px}
.checklist li:first-child{border-top:0}
.checklist li:before{content:"\2713";position:absolute;left:4px;top:8px;color:var(--link);font-weight:800}
.prep{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;list-style:none}
.prep li{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:18px 20px}
.prep strong{display:block;font-family:var(--f-head);color:var(--navy);margin-bottom:4px;font-size:16.5px}
.prep span{font-size:14.5px;color:var(--muted)}
.inline-cta{background:var(--navy2);color:#fff;border-radius:var(--radius);padding:24px 28px;display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap;margin:8px 0}
.inline-cta p{color:#D3E0EA;max-width:48ch;margin:0}
.inline-cta strong{color:#fff;font-family:var(--f-head);font-size:19px;display:block;margin-bottom:4px}

/* tables */
.tbl-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;margin:6px 0;background:var(--white)}
.tbl{width:100%;border-collapse:collapse;min-width:540px;font-size:14.5px}
.tbl th{background:var(--navy2);color:#fff;text-align:left;padding:13px 16px;font-size:12.5px;text-transform:uppercase;letter-spacing:.05em}
.tbl td{padding:13px 16px;border-top:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:#F8FDFC}
.tbl-note{font-size:13.5px;color:var(--muted);margin-top:10px;font-style:italic}

/* localnote */
.localnote{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px 28px;border-top:4px solid var(--navy2)}
.localnote .kick{margin-bottom:4px}
.localnote h2{margin-top:0}
.localnote-src{font-size:13.5px;color:var(--muted);margin-top:14px;border-top:1px dashed var(--line);padding-top:10px}

/* faq */
.faq{border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--white)}
.faq-item{border-top:1px solid var(--line)}
.faq-item:first-child{border-top:0}
.faq-q{width:100%;text-align:left;background:var(--white);border:0;padding:18px 54px 18px 22px;font-family:var(--f-head);font-weight:600;font-size:17px;color:var(--navy);cursor:pointer;position:relative;line-height:1.3}
.faq-q:after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:24px;color:var(--link);font-weight:400}
.faq-q[aria-expanded="true"]:after{content:"\2212"}
.faq-a{max-height:0;overflow:hidden;transition:max-height .28s ease;background:var(--white)}
.faq-a-inner{padding:0 22px 20px}
.faq-a p{font-size:15.5px;color:var(--ink)}

/* blog */
.post-meta{font-size:13.5px;color:var(--slate);margin-bottom:10px}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;list-style:none}
.blog-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.blog-card-top{height:8px;background:linear-gradient(90deg,var(--teal),var(--navy2))}
.blog-card-body{padding:22px;display:flex;flex-direction:column;flex:1}
.blog-card h3{font-size:18px;margin:0 0 8px;line-height:1.28}
.blog-card h3 a{color:var(--navy);text-decoration:none}
.blog-card h3 a:hover{color:var(--link)}
.blog-card p{font-size:14.5px;color:var(--muted)}
.blog-card-tag{font-size:12px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--link);margin-bottom:8px}

/* area list */
.area-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;list-style:none}
.area-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.area-card h3{margin:0 0 6px;font-size:19px}
.area-card h3 a{color:var(--navy);text-decoration:none}
.area-card h3 a:hover{color:var(--link)}
.area-card p{font-size:14.5px;color:var(--muted)}

/* cta band */
.ctaband{background:var(--navy2);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:clamp(26px,3.4vw,36px);margin-bottom:10px;color:#fff}
.ctaband p{font-size:17px;color:var(--slate);margin:0 auto 24px;max-width:60ch}

/* map */
.map-sec{padding:48px 0;background:var(--mint)}
.map-sec h2{font-size:clamp(22px,2.6vw,28px);color:var(--navy);margin-bottom:8px}
.map-sec p{margin-bottom:18px;color:var(--muted)}
.map-wrap{position:relative;padding-bottom:42%;height:0;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#E5F3F1}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-inline{margin:10px 0}
.map-inline .map-wrap{padding-bottom:52%}

/* footer */
.site-footer{background:var(--white);border-top:1px solid var(--line);padding:52px 0 40px;font-size:14.5px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.site-footer h2{font-size:16px;margin:0 0 12px;color:var(--ink)}
.site-footer a{color:var(--muted);text-decoration:none;display:block;margin-bottom:8px}
.site-footer a:hover{color:var(--link);text-decoration:underline}
.site-footer address{font-style:normal;color:var(--muted);line-height:1.6;margin:10px 0}
.site-footer .footer-phone{color:var(--navy);font-weight:700;font-size:18px}
.footer-about{color:var(--muted);max-width:42ch}
.footer-legal{margin-top:34px;padding-top:18px;border-top:1px solid var(--line);color:var(--muted);font-size:13px}

/* call bar: bottom bar on mobile, circle on desktop */
.sticky-cta{position:fixed;z-index:80;background:var(--navy2);color:var(--teal);font-weight:700;text-decoration:none;display:flex;align-items:center;justify-content:center;gap:8px}
.sticky-cta svg{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:0 0 22px}
.sticky-cta-text{display:none}

@media(min-width:901px){
  .sticky-cta{right:22px;bottom:22px;width:56px;height:56px;border-radius:50%;background:var(--teal);color:var(--navy);box-shadow:0 10px 26px rgba(13,27,42,.3)}
  .sticky-cta:hover{background:var(--teal-d)}
}
@media(max-width:900px){
  body{padding-bottom:64px}
  .sticky-cta{left:0;right:0;bottom:0;padding:15px 16px;font-size:16px;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
  .sticky-cta-text{display:inline}
  .nav-links{display:none}
  .nav-toggle{display:inline-flex}
  .hero .wrap{grid-template-columns:1fr;gap:30px}
  .twocol{grid-template-columns:1fr}
  .sidecard{position:static}
  .cards,.blog-grid,.area-grid{grid-template-columns:1fr 1fr}
  .cards-4{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;row-gap:26px}
  .steps:before{display:none}
  .footer-grid{grid-template-columns:1fr 1fr}
  .map-wrap{padding-bottom:62%}
  .logo-img{width:190px;height:40px}
}
@media(max-width:600px){
  .wrap{padding:0 18px}
  .cards,.cards-2,.cards-4,.blog-grid,.area-grid,.prep,.steps,.footer-grid{grid-template-columns:1fr}
  .sec{padding:48px 0}
  .hero{padding:44px 0 50px}
  .inline-cta{padding:20px}
  .topbar .wrap{justify-content:center;text-align:center}
  .map-wrap{padding-bottom:85%}
  .strip .wrap{flex-direction:column}
}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.faq-a,.mob-drawer,.mob-overlay{transition:none}}

.cards-3{grid-template-columns:repeat(3,1fr)}
.map-block{margin:10px 0}
.map-block .wrap{padding:0}
.prose-wide{max-width:var(--wrap)}
@media(max-width:900px){.cards-3{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.cards-3{grid-template-columns:1fr}}
.hero-sub a,.pagehead .hero-sub a,.crumbs a{color:var(--teal)}
.crumbs a{color:#fff}
main p,main li,.site-footer a,.site-footer address{overflow-wrap:anywhere}

.blog-card-img{display:block;aspect-ratio:16/9;overflow:hidden;background:var(--navy)}
.blog-card-img img{width:100%;height:100%;object-fit:cover;display:block}