:root{
  --accent:#003087;--cta:#D40163;--cta-dark:#B0004F; --accent-dark:#00276E; --blue-pale:#DAE7FF;
  --ink:#12172b; --body:#4a5168; --line:#e3e6ef;
  --bg:#ffffff; --bg-alt:#f7f8fc;
  --wrap:1100px;
}
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--body);
  font:400 17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
  -webkit-font-smoothing:antialiased}
img{max-width:100%}
h1,h2,h3{color:var(--ink);line-height:1.15;letter-spacing:-.02em;margin:0}
h1{font-size:clamp(2.1rem,5.2vw,3.5rem);font-weight:800}
h2{font-size:clamp(1.6rem,3.4vw,2.35rem);font-weight:800}
h3{font-size:1.12rem;font-weight:700;letter-spacing:-.01em}
p{margin:0}
a{color:var(--accent)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 24px}
section{padding:clamp(56px,8vw,96px) 0}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.lede{font-size:clamp(1.05rem,2vw,1.22rem);max-width:60ch}
.eyebrow+h2{margin-top:12px}
h2+.lede{margin-top:18px}

/* buttons */
.btn{display:inline-block;padding:16px 30px;border-radius:8px;font-weight:700;font-size:1.02rem;
  text-decoration:none;transition:.15s;border:2px solid transparent}
.btn-primary{background:var(--cta);color:#fff;box-shadow:0 6px 20px -6px rgba(212,1,99,.5)}
.btn-primary:hover{background:var(--cta-dark);transform:translateY(-1px)}
.btn-ghost{border-color:var(--line);color:var(--ink);background:#fff}
.btn-ghost:hover{border-color:var(--accent);color:var(--accent)}
.btns{display:flex;flex-wrap:wrap;gap:14px;margin-top:32px}

/* header */
header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.94);
  backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 24px;
  max-width:var(--wrap);margin:0 auto;flex-wrap:wrap}
.logo{display:flex;flex-direction:column;text-decoration:none;line-height:1.2}
.logo b{color:var(--ink);font-size:1.06rem;font-weight:800;letter-spacing:-.01em}
.logo span{font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:#E01933}
.bar .btn{padding:11px 20px;font-size:.92rem}
.bar nav{display:flex;gap:20px;order:3;width:100%;margin-top:12px;padding-top:11px;
  border-top:1px solid var(--line);overflow-x:auto;white-space:nowrap;
  scrollbar-width:none;-webkit-overflow-scrolling:touch}
.bar nav::-webkit-scrollbar{display:none}
.bar nav a{color:var(--body);text-decoration:none;font-weight:600;font-size:.95rem}
.bar nav a:hover{color:var(--accent)}
@media(min-width:900px){.bar nav{order:0;width:auto;gap:26px;margin-top:0;padding-top:0;
  border-top:0;overflow:visible}}

/* hero */
.hero{background:linear-gradient(170deg,#fff 0%,var(--bg-alt) 60%,var(--blue-pale) 100%);
  border-bottom:1px solid var(--line)}
.hero .wrap{display:grid;gap:48px;align-items:center}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.15fr .85fr;gap:64px}}
.hero h1{margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--accent)}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin-top:30px;font-size:.9rem;font-weight:600;color:var(--ink)}
.trust div{display:flex;align-items:center;gap:8px}
.trust svg{flex:0 0 18px;color:var(--accent)}
.card-quote{background:#fff;border:1px solid var(--line);border-radius:14px;padding:32px;
  box-shadow:0 24px 50px -28px rgba(0,48,135,.4)}
.card-quote h3{margin-bottom:6px}
.card-quote ul{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:12px;font-size:.96rem}
.card-quote li{display:flex;gap:11px;align-items:flex-start}
.card-quote li::before{content:"";flex:0 0 8px;height:8px;margin-top:9px;border-radius:99px;background:var(--accent)}
.card-quote .btn{width:100%;text-align:center;margin-top:24px}
.fineprint{font-size:.82rem;color:var(--body);margin-top:14px;text-align:center}

/* generic grids */
.grid{display:grid;gap:22px;margin-top:44px}
.g3{grid-template-columns:1fr}
@media(min-width:760px){.g3{grid-template-columns:repeat(3,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.card p{margin-top:9px;font-size:.97rem}
.alt{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}

/* problem icons */
.ico{width:40px;height:40px;border-radius:9px;background:#DAE7FF;color:var(--accent);
  display:flex;align-items:center;justify-content:center;margin-bottom:16px}

.team{display:grid;gap:20px;margin-top:44px;grid-template-columns:1fr}
@media(min-width:620px){.team{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.team{grid-template-columns:repeat(3,1fr)}}
.member{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px}
.member h3{margin-top:16px}
.member p{font-size:.95rem;margin-top:8px}
.member .role{margin-top:3px;font-size:.83rem;font-weight:700;letter-spacing:.07em;
  text-transform:uppercase;color:var(--accent)}
.av{width:56px;height:56px;border-radius:50%;display:flex;align-items:center;justify-content:center;
  font-weight:800;font-size:1.15rem;letter-spacing:.02em;color:#fff}
.av-red{background:var(--accent)}
img.av{object-fit:cover}
.av-photo{width:96px;height:96px}
.av-blue{background:var(--accent)}

/* plan */
.steps{counter-reset:s;display:grid;gap:22px;margin-top:44px}
@media(min-width:760px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-16px;left:28px;
  width:36px;height:36px;border-radius:9px;background:var(--accent);color:#fff;font-weight:800;
  display:flex;align-items:center;justify-content:center;box-shadow:0 6px 16px -6px rgba(0,48,135,.7)}
.step h3{margin-top:14px}
.step p{margin-top:8px;font-size:.97rem}

/* coverage */
.cov{display:grid;gap:14px;margin-top:40px;grid-template-columns:repeat(2,1fr)}
@media(min-width:760px){.cov{grid-template-columns:repeat(3,1fr)}}
.cov a{display:block;text-decoration:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 20px;
  font-weight:700;color:var(--ink);font-size:.98rem;transition:border-color .15s}
.cov a:hover{border-color:var(--accent)}
.cov span{display:block;font-weight:400;color:var(--body);font-size:.86rem;margin-top:3px}

/* stakes */
.stakes{display:grid;gap:22px;margin-top:44px}
@media(min-width:760px){.stakes{grid-template-columns:1fr 1fr}}
.stakes>div{border-radius:12px;padding:30px}
.bad{background:#fff;border:1px solid var(--line)}
.good{background:var(--accent-dark);color:#c8d4f2;border:1px solid var(--accent-dark)}
.good h3{color:#fff}
.stakes ul{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:12px;font-size:.97rem}
.stakes li{display:flex;gap:11px;align-items:flex-start}
.stakes li::before{content:"";flex:0 0 7px;height:7px;margin-top:9px;border-radius:99px;background:var(--line)}
.good li::before{background:var(--accent)}

/* final cta */
.final{background:linear-gradient(160deg,var(--accent-dark),var(--accent));color:#c8d4f2;text-align:left}
.final h2{color:#fff;max-width:20ch;margin:12px 0 0}
.final .lede{margin:18px 0 0;color:#c8d4f2}
.final .fineprint{text-align:left;color:#c8d4f2}.final .fineprint a{color:#fff}
.final .btns{justify-content:center}
.final .eyebrow{color:#B4C4EA}
.final .btn-ghost{background:transparent;border-color:rgba(255,255,255,.35);color:#fff}
.final .btn-ghost:hover{border-color:#fff;color:#fff}

/* footer */
footer{background:var(--ink);color:#9aa2bd;font-size:.9rem;padding:52px 0 40px}
footer a{color:#fff;text-decoration:none}
footer a:hover{text-decoration:underline}
.fgrid{display:grid;gap:30px}
@media(min-width:760px){.fgrid{grid-template-columns:1fr 1fr}}
@media(min-width:1000px){.fgrid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
footer h4{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 14px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:9px}
.legal{margin-top:40px;padding-top:24px;border-top:1px solid rgba(255,255,255,.13);
  font-size:.79rem;line-height:1.6;color:#767e9c}

/* contact form */
.contact{display:grid;gap:40px}
@media(min-width:900px){.contact{grid-template-columns:.9fr 1.1fr;align-items:start}}
.contact .lede{max-width:44ch}
.cform{background:#fff;color:var(--ink);border-radius:14px;padding:26px;display:grid;gap:14px;text-align:left}
.cform label{display:block;font-size:.85rem;font-weight:600;color:var(--body)}
.cform input[type=text],.cform input[type=email],.cform input[type=tel]{display:block;width:100%;margin-top:5px;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;font-size:1rem;color:var(--ink);background:#fff}
.cform input:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
.cform .row2{display:grid;gap:12px}
@media(min-width:560px){.cform .row2{grid-template-columns:1fr 1fr}}
.cform fieldset{border:0;padding:0;margin:0}
.cform legend{font-size:.85rem;font-weight:600;color:var(--body);margin-bottom:8px}
.chips{display:flex;flex-wrap:wrap;gap:8px}
.chips label{display:flex;align-items:center;gap:6px;border:1px solid var(--line);border-radius:999px;padding:7px 12px;font-weight:600;color:var(--ink);cursor:pointer}
.chips label:has(:checked){border-color:var(--accent);background:var(--blue-pale)}
.consent{font-size:.78rem;line-height:1.6;color:var(--body);margin:4px 0 0}
.consent a{color:var(--accent)}
.ck{display:flex;gap:10px;align-items:flex-start;font-size:.88rem;font-weight:500;color:var(--ink)}
.ck input{margin-top:3px}
.cform .btn{width:100%;text-align:center}
.cmsg{font-size:.85rem;color:#B30032;min-height:1.2em;margin:0}
.cdone{background:#fff;color:var(--ink);border-radius:14px;padding:32px}
.cdone h3{margin:0 0 8px}.cdone a{color:var(--accent)}

/* coverage pages */
.phero{background:linear-gradient(170deg,#fff 0%,var(--bg-alt) 60%,var(--blue-pale) 100%);padding:clamp(48px,7vw,80px) 0}
.phero h1{margin-top:12px;max-width:22ch}.phero .lede{margin-top:18px}
.local{display:grid;gap:22px;margin-top:40px}
@media(min-width:760px){.local{grid-template-columns:repeat(3,1fr)}}
.local .card h3{margin-bottom:8px}
.checks{margin:32px 0 0;padding:0;list-style:none;display:grid;gap:12px;max-width:62ch}
.checks li{padding:14px 18px 14px 44px;background:#fff;border:1px solid var(--line);border-radius:10px;position:relative}
.checks li::before{content:"";position:absolute;left:16px;top:19px;width:14px;height:14px;border-radius:50%;background:var(--accent)}
.faq{max-width:68ch;margin-top:32px}
.faq details{border-top:1px solid var(--line);padding:16px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{font-weight:700;cursor:pointer;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";color:var(--accent);font-weight:800}
.faq details[open] summary::after{content:"\2013"}
.faq p{margin-top:12px;color:var(--body)}
.crumbs{font-size:.82rem;color:var(--body)}.crumbs a{color:var(--body)}
.other{display:flex;flex-wrap:wrap;gap:10px;margin-top:20px}
.other a{border:1px solid var(--line);background:#fff;border-radius:999px;padding:7px 14px;font-size:.88rem;color:var(--ink);text-decoration:none}

/* legal / 404 pages */
.legal header .wrap{max-width:var(--wrap);display:flex;align-items:center;justify-content:space-between;gap:16px;padding:16px 24px}
.legal header a.back{color:var(--accent);text-decoration:none;font-weight:700;font-size:.93rem}
.legal main{padding:56px 0 80px}.legal main .wrap{max-width:760px}
.legal h1{font-size:clamp(1.9rem,4.5vw,2.6rem)}
.legal h2{font-size:1.2rem;font-weight:700;letter-spacing:-.01em;margin:42px 0 12px}
.legal p,.legal li{margin:0 0 14px}.legal ul{padding-left:22px}
.legal .updated{font-size:.88rem;color:#8a90a6;margin-top:14px}
.legal .key{background:var(--bg-alt);border-left:4px solid var(--accent);border-radius:0 8px 8px 0;padding:20px 24px;margin:24px 0}
.legal .key p:last-child{margin-bottom:0}
.legal footer{background:#fff;border-top:1px solid var(--line);padding:32px 0;font-size:.86rem;color:#8a90a6}
.legal footer a{color:var(--accent)}
.legal .btn{background:var(--cta);color:#fff;margin-top:8px}