:root{--navy:#12355B;--navy-dark:#0C2340;--teal:#1B7F8C;--teal-dark:#146872;--brand:#C4471D;--brand-dark:#A33A17;--gold:#C58B2B;--gold-dark:#A87422;--ink:#17212B;--ink-soft:#4A5866;--line:#E1E7EC;--bg:#fff;--bg-alt:#F4F7F9;--max:1160px;--radius:6px;--font-head:Georgia,"Times New Roman",serif;--font-body:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.7;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal-dark);text-underline-offset:2px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{font-family:var(--font-head);color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(1.9rem,4.4vw,2.9rem)}
h2{font-size:clamp(1.5rem,3vw,2rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
ul,ol{margin:0 0 1em;padding-left:1.3em}
li{margin-bottom:.4em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--gold);color:var(--navy-dark);padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}

/* header */
.header-top{background:var(--navy);color:#fff}
.header-top__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:12px 20px;max-width:var(--max);margin:0 auto}
.nav__logo{display:flex;align-items:center;gap:12px;font-family:var(--font-head);font-size:1.45rem;font-weight:700;color:#fff;text-decoration:none;letter-spacing:.2px}
.nav__logo:hover{color:#fff}
.header-contact{display:flex;gap:22px;flex-wrap:wrap;font-size:.95rem}
.header-contact a{color:#fff;text-decoration:none}
.header-contact a:hover{text-decoration:underline;color:#fff}
.site-nav{background:var(--teal);position:relative}
.site-nav .wrap{display:flex;align-items:center;justify-content:space-between}
.nav__toggle{display:none;background:none;border:0;color:#fff;font:inherit;font-weight:600;padding:12px 0;cursor:pointer}
.nav__links{list-style:none;margin:0;padding:0;display:flex;align-items:stretch;flex-wrap:wrap}
.nav__links>li{margin:0;position:relative}
.nav__links a,.nav__links button.nav__sub-btn{line-height:1.7;display:block;color:#fff;text-decoration:none;padding:13px 15px;font-weight:600;font-size:.97rem;background:none;border:0;font-family:inherit;cursor:pointer}
.nav__links a:hover,.nav__links button.nav__sub-btn:hover{background:var(--teal-dark);color:#fff}
.nav__links a[aria-current="page"]{box-shadow:inset 0 -3px 0 var(--gold)}
.nav__sub{list-style:none;margin:0;padding:6px 0;position:absolute;left:0;top:100%;background:var(--teal-dark);min-width:230px;display:none;z-index:20;box-shadow:0 8px 18px rgba(0,0,0,.18)}
.nav__sub li{margin:0}
.nav__has-sub:hover>.nav__sub,.nav__has-sub.is-open>.nav__sub,.nav__has-sub:focus-within>.nav__sub{display:block}
.nav__links a.nav__call{background:var(--gold);color:var(--navy-dark);margin-left:8px}
.nav__links a.nav__call:hover{background:var(--gold-dark);color:#fff}

/* buttons */
.btn{display:inline-block;padding:12px 22px;border-radius:var(--radius);font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;font-size:1rem;line-height:1.3;text-align:center}
.btn--lg{padding:15px 28px;font-size:1.05rem}
.btn--red{background:var(--brand);color:#fff}.btn--red:hover{background:var(--brand-dark);color:#fff}
.btn--navy{background:var(--navy);color:#fff}.btn--navy:hover{background:var(--navy-dark);color:#fff}
.btn--gold{background:var(--gold);color:var(--navy-dark)}.btn--gold:hover{background:var(--gold-dark);color:#fff}
.btn--teal{background:var(--teal);color:#fff}.btn--teal:hover{background:var(--teal-dark);color:#fff}
.btn--ghost{border-color:#fff;color:#fff;background:transparent}.btn--ghost:hover{background:#fff;color:var(--navy)}
.btn--outline{border-color:var(--navy);color:var(--navy);background:transparent}.btn--outline:hover{background:var(--navy);color:#fff}
p.cta{margin:.2em 0 1.4em}

/* hero */
.hero{background:linear-gradient(135deg,#E7F1F5 0%,#F4F8FA 60%,#fff 100%);padding:52px 0 46px;border-bottom:1px solid var(--line)}
.hero__eyebrow{display:inline-block;background:var(--navy);color:#fff;font-size:.82rem;font-weight:700;letter-spacing:.5px;text-transform:uppercase;padding:5px 12px;border-radius:999px;margin:0 0 16px}
.hero h1{margin-bottom:.5em}
.hero__lead{font-size:1.15rem;color:var(--ink-soft);max-width:62ch}
.hero__cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero__split{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero__checklist{list-style:none;padding:0;margin:0 0 6px}
.hero__checklist li{padding-left:28px;position:relative;margin-bottom:.5em;font-weight:600;color:var(--navy)}
.hero__checklist li::before{content:"\2713";position:absolute;left:0;color:var(--brand);font-weight:800}
.hero__photo img{border-radius:var(--radius);box-shadow:0 10px 30px rgba(12,35,64,.18)}

/* sections */
.section{padding:52px 0}
.section--alt{background:var(--bg-alt)}
.section__lead{max-width:68ch}
.section .wrap>*:last-child{margin-bottom:0}
.prose{max-width:74ch}
.prose h2{margin-top:0}
.grid{display:grid;gap:22px;margin:1.2em 0}
.grid--2{grid-template-columns:repeat(2,1fr)}
.grid--3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);padding:22px}
.section--alt .card{background:#fff}
.card h3{margin-bottom:.4em}
.card p:last-child,.card ul:last-child{margin-bottom:0}
.linklist{list-style:none;padding:0;margin:1em 0;display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.linklist li{margin:0}
.linklist a{display:block;padding:14px 16px;border:1px solid var(--line);border-radius:var(--radius);background:#fff;font-weight:600;text-decoration:none}
.linklist a:hover{border-color:var(--teal)}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin:1em 0 1.6em}
.area-link{display:block;padding:12px 14px;border:1px solid var(--line);border-left:4px solid var(--teal);border-radius:var(--radius);background:#fff;text-decoration:none;line-height:1.3}
.area-link:hover{border-color:var(--teal-dark);background:#F0F7F9}
.area-link__name{display:block;font-weight:700;color:var(--navy)}
.area-link__city{display:block;font-size:.85rem;color:var(--ink-soft)}
.table-wrap{overflow-x:auto;margin:1.2em 0}
table{border-collapse:collapse;width:100%;background:#fff;min-width:420px}
th,td{border:1px solid var(--line);padding:10px 14px;text-align:left}
th{background:var(--navy);color:#fff}
tbody tr:nth-child(even){background:var(--bg-alt)}
.note{font-size:.92rem;color:var(--ink-soft)}
.sources{font-size:.95rem}
.sources li{overflow-wrap:anywhere}

/* faq */
.faq{max-width:820px;margin:1em 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px}
.faq summary{cursor:pointer;padding:15px 48px 15px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:12px;font-size:1.4rem;color:var(--brand);line-height:1.2}
.faq details[open] summary::after{content:"\2013"}
.faq .faq__a{padding:0 18px 16px}
.faq .faq__a p:last-child{margin-bottom:0}

/* form disclosure */
.form-note{font-size:.88rem;line-height:1.5;margin:0 0 14px;opacity:.95}
.form-note a{color:inherit;text-decoration:underline}

/* image band */
.band{padding:26px 0}
.band img{display:block;width:100%;max-width:880px;height:auto;margin:0 auto;border-radius:var(--radius)}

/* phone strip */
.phone-strip{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:44px 0;text-align:center}
.phone-strip h2{margin-bottom:.3em}
.phone-strip .sub{max-width:60ch;margin:0 auto 20px;color:var(--ink-soft)}
.phone-strip .btns{display:flex;justify-content:center;flex-wrap:wrap;gap:12px}

/* forms */
.split{display:grid;grid-template-columns:60fr 40fr;gap:36px;align-items:start}
.form-card--teal{background:var(--teal);color:#fff;border-radius:var(--radius);padding:28px}
.form-card--teal h2,.form-card--teal h3{color:#fff;margin-bottom:.3em}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;margin-bottom:4px}
.field input,.field select,.field textarea{width:100%;padding:11px 12px;border:1px solid #fff;border-radius:var(--radius);font:inherit;color:var(--ink);background:#fff}
.field textarea{min-height:110px;resize:vertical}
.form-card--teal .btn--red{border-color:#fff}
.aside{background:var(--bg-alt);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.aside h3{margin-top:0}

/* footer */
.site-footer{background:var(--navy-dark);color:#D5DEE7;padding:48px 0 0;font-size:.95rem}
.site-footer a{color:#fff;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1.2fr;gap:32px}
.site-footer h3{color:#fff;font-size:1.05rem;font-family:var(--font-body);margin-bottom:.7em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.35em}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding:18px 0;font-size:.88rem;color:#B9C6D3}

.legal-updated{color:var(--ink-soft);font-size:.92rem}

@media (max-width:900px){
 .grid--3,.linklist{grid-template-columns:repeat(2,1fr)}
 .areas{grid-template-columns:repeat(2,1fr)}
 .hero__split,.split{grid-template-columns:1fr}
 .footer-grid{grid-template-columns:1fr 1fr}
 .nav__toggle{display:block}
 .nav__links{display:none;flex-direction:column;width:100%;padding-bottom:10px}
 .nav__links.is-open{display:flex}
 .site-nav .wrap{flex-wrap:wrap}
 .nav__sub{position:static;display:none;box-shadow:none;padding-left:14px}
 .nav__has-sub:hover>.nav__sub{display:none}
 .nav__has-sub.is-open>.nav__sub{display:block}
 .nav__links a.nav__call{margin:6px 0 0}
 .header-top__inner{flex-direction:column;align-items:flex-start;gap:6px}
}
@media (max-width:600px){
 body{font-size:16.5px}
 .grid--2,.grid--3,.linklist,.form-row{grid-template-columns:1fr}
 .areas{grid-template-columns:1fr 1fr}
 .footer-grid{grid-template-columns:1fr}
 .hero{padding:36px 0 32px}
 .section{padding:38px 0}
 .hero__cta .btn,.phone-strip .btn{width:100%}
 .header-contact{gap:14px}
}

.logo__mark{flex:none;width:54px;height:54px}
.logo__mark--foot{margin-bottom:10px}
@media (max-width:600px){.nav__logo{font-size:1.15rem}.logo__mark{width:40px;height:40px}}

/* ---- premium pass (2026-10-02) ---- */
:root{--shadow-sm:0 1px 2px rgba(12,35,64,.06),0 2px 8px rgba(12,35,64,.06);--shadow-md:0 2px 4px rgba(12,35,64,.06),0 12px 28px rgba(12,35,64,.12);--radius:10px}
body{line-height:1.75;font-size:17.5px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3{letter-spacing:-.015em;text-wrap:balance}
h1{line-height:1.1}
h2{position:relative;padding-bottom:.55em;margin-bottom:.8em}
h2::after{content:"";position:absolute;left:0;bottom:0;width:46px;height:3px;border-radius:2px;background:var(--gold)}
.hero h2::after,.form-card--teal h2::after,.aside h2::after{display:none}
.phone-strip h2::after{left:50%;transform:translateX(-50%)}
.prose{max-width:70ch}
.prose p,.section__lead{line-height:1.8}
.prose h2{margin-top:1.6em}
.prose h2:first-child{margin-top:0}
.prose a{text-decoration-thickness:1px;text-decoration-color:rgba(27,127,140,.5)}
.prose a:hover{text-decoration-color:currentColor}
.section{padding:72px 0}
.hero{padding:76px 0 68px;background:radial-gradient(1200px 500px at 85% -10%,rgba(27,127,140,.14),transparent 60%),linear-gradient(160deg,#E4EFF4 0%,#F4F8FA 55%,#fff 100%)}
.hero__eyebrow{background:rgba(18,53,91,.08);color:var(--navy);border:1px solid rgba(18,53,91,.18);letter-spacing:.8px}
.hero__lead{font-size:1.2rem;line-height:1.65}
.hero__photo img{border-radius:14px;box-shadow:var(--shadow-md)}

/* header: sticky, calmer */
.site-header{position:sticky;top:0;z-index:50;box-shadow:0 2px 14px rgba(12,35,64,.18)}
.header-top__inner{padding:10px 20px}
.header-contact{align-items:center;gap:26px;font-size:.92rem;opacity:.95}
.site-nav{background:linear-gradient(180deg,var(--teal),var(--teal-dark))}
.nav__links a,.nav__links button.nav__sub-btn{padding:14px 16px;letter-spacing:.2px;transition:background .15s}
.nav__links a.nav__call{background:var(--brand);color:#fff;border-radius:999px;padding:9px 20px;margin:7px 0 7px 10px;box-shadow:0 2px 8px rgba(0,0,0,.25);transition:transform .15s,background .15s}
.nav__links a.nav__call:hover{background:var(--brand-dark);transform:translateY(-1px)}
.nav__sub{border-radius:0 0 var(--radius) var(--radius);overflow:hidden}

/* buttons */
.btn{border-radius:999px;padding:13px 26px;letter-spacing:.2px;box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .15s,background .15s,color .15s}
.btn:hover{transform:translateY(-1px);box-shadow:var(--shadow-md)}
.btn--lg{padding:16px 32px}
.btn--ghost,.btn--outline{box-shadow:none}

/* cards and tiles */
.card{border:1px solid var(--line);border-top:3px solid var(--teal);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm);transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-md)}
.linklist a,.area-link{border-radius:var(--radius);box-shadow:var(--shadow-sm);transition:transform .15s,box-shadow .15s,border-color .15s}
.linklist a:hover,.area-link:hover{transform:translateY(-2px);box-shadow:var(--shadow-md)}
.table-wrap{border-radius:var(--radius);box-shadow:var(--shadow-sm);border:1px solid var(--line)}
th,td{border:0;border-bottom:1px solid var(--line);padding:13px 16px}
th{background:var(--navy);font-weight:600;letter-spacing:.3px}
tbody tr:last-child td{border-bottom:0}
.band img{border-radius:14px;box-shadow:var(--shadow-md)}
.faq details{border-radius:var(--radius);box-shadow:var(--shadow-sm);transition:box-shadow .15s}
.faq details[open]{box-shadow:var(--shadow-md);border-color:var(--teal)}
.faq summary{padding:17px 52px 17px 20px}
.phone-strip{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);border:0;padding:64px 0;color:#fff}
.phone-strip h2{color:#fff}
.phone-strip .sub{color:#C9D6E2}
.phone-strip .btn--red{box-shadow:0 6px 20px rgba(196,71,29,.45)}
.form-card--teal{border-radius:14px;box-shadow:var(--shadow-md);background:linear-gradient(160deg,var(--teal),var(--teal-dark))}
.field input,.field select,.field textarea{border:1px solid transparent;border-radius:8px}
.field input:focus,.field select:focus,.field textarea:focus{outline:3px solid var(--gold);outline-offset:1px}
.aside{border-radius:var(--radius);box-shadow:var(--shadow-sm)}
.site-footer{padding-top:64px}
.site-footer h3{text-transform:uppercase;letter-spacing:.8px;font-size:.82rem;color:#9FB3C6}
.site-footer a:hover{color:var(--gold)}

/* mobile call bar */
.callbar{display:none}
@media (max-width:900px){
 .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(12,35,64,.97);box-shadow:0 -4px 18px rgba(0,0,0,.25)}
 .callbar a{flex:1;text-align:center;padding:13px 10px;border-radius:999px;font-weight:700;text-decoration:none;color:#fff}
 .callbar__call{background:var(--brand)}
 .callbar__est{background:transparent;border:2px solid rgba(255,255,255,.7)}
 body{padding-bottom:72px}
 .site-header{position:static}
 .nav__links li:has(>a.nav__call){display:none}
 .section{padding:56px 0}
}
@media (max-width:600px){.hero{padding:44px 0 40px}.section{padding:44px 0}}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
.form-error{background:#fff;color:#8A2A0E;border-left:4px solid var(--brand);border-radius:6px;padding:10px 14px;margin:0 0 14px;font-weight:600}
.form-error a{color:#8A2A0E}