:root{
  --navy:#102668;--navy-deep:#0a1847;--navy-ink:#0d1b3e;
  --amber:#f2a93b;--amber-deep:#d98b17;
  --paper:#f7f5f0;--line:#e4e0d6;--text:#1c2433;--muted:#5a6275;
  --radius:18px;--shadow:0 18px 50px -20px rgba(10,24,71,.35);
  --max:1160px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Plus Jakarta Sans",system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:#fff;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{color:var(--navy-ink);line-height:1.15;letter-spacing:-.02em}
h1{font-size:clamp(2.1rem,5vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--amber-deep);margin-bottom:14px}
.lead{font-size:1.15rem;color:var(--muted);max-width:640px}
.center{text-align:center}.center .lead{margin:0 auto}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:15px 26px;border-radius:999px;font-weight:700;text-decoration:none;font-size:1rem;transition:transform .2s,box-shadow .2s,background .2s;border:0;cursor:pointer;font-family:inherit;white-space:nowrap}
.btn svg{width:20px;height:20px}
.btn-amber{background:var(--amber);color:var(--navy-ink);box-shadow:0 10px 30px -10px rgba(242,169,59,.8)}
.btn-amber:hover{background:#ffba52;transform:translateY(-2px)}
.btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1.5px solid rgba(255,255,255,.35)}
.btn-ghost:hover{background:rgba(255,255,255,.18)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep);transform:translateY(-2px)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(1.4) blur(12px);border-bottom:1px solid rgba(16,38,104,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:78px;gap:20px}
.logo img{height:60px;width:auto}
.nav-links{display:flex;align-items:center;gap:28px;list-style:none}
.nav-links a{text-decoration:none;color:var(--navy-ink);font-weight:600;font-size:.95rem}
.nav-links a:hover{color:var(--amber-deep)}
.nav-call{padding:11px 20px;font-size:.95rem}
.menu-btn{display:none;background:none;border:0;cursor:pointer;padding:8px;color:var(--navy)}
.menu-btn svg{width:28px;height:28px}
@media(max-width:900px){
  .nav-links{position:absolute;top:78px;left:0;right:0;flex-direction:column;gap:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 20px 30px -20px rgba(0,0,0,.2);display:none;padding:8px 20px 18px}
  .nav-links.open{display:flex}
  .nav-links li{width:100%}
  .nav-links a{display:block;padding:13px 0;border-bottom:1px solid var(--line)}
  .nav-links li:last-child a{border:0}
  .menu-btn{display:block}
  .nav-call-li{display:none}
  .logo img{height:44px}
}

/* hero */
.hero{position:relative;background:radial-gradient(1100px 600px at 85% -10%,#2a4aa8 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 70%);color:#fff;overflow:hidden;padding:90px 0 150px}
.hero::before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.07) 1px,transparent 1px);background-size:26px 26px;mask-image:linear-gradient(180deg,#000,transparent 85%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero p.lead{color:#c9d3ee;margin:22px 0 32px}
.hero .eyebrow{color:var(--amber)}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px}
.hero-card{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.16);border-radius:24px;padding:30px;backdrop-filter:blur(8px);box-shadow:0 30px 60px -30px rgba(0,0,0,.6)}
.hero-card h3{color:#fff;font-size:1.25rem;margin-bottom:6px}
.hero-card p{color:#c9d3ee;font-size:.95rem;margin-bottom:18px}
.checks{list-style:none;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start}
.checks svg{flex:none;width:22px;height:22px;color:var(--amber);margin-top:2px}
.hero-card .checks li{color:#e8edfa;font-size:.97rem}
.hero-card .btn{margin-top:24px;width:100%;justify-content:center}
.wave{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:90px;display:block}
@media(max-width:900px){.hero{padding:60px 0 120px}.hero .wrap{grid-template-columns:1fr;gap:40px}}

/* trust strip */
.strip{position:relative;z-index:2;margin-top:-60px}
.strip-inner{background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);display:grid;grid-template-columns:repeat(3,1fr);padding:10px}
.strip-item{display:flex;gap:14px;align-items:center;padding:18px 20px}
.strip-item+.strip-item{border-left:1px solid var(--line)}
.strip-item svg{flex:none;width:34px;height:34px;color:var(--navy);background:#eef1fa;border-radius:12px;padding:7px}
.strip-item b{display:block;color:var(--navy-ink);font-size:.98rem}
.strip-item span{font-size:.86rem;color:var(--muted)}
@media(max-width:760px){.strip-inner{grid-template-columns:1fr}.strip-item+.strip-item{border-left:0;border-top:1px solid var(--line)}}

/* sections */
section{padding:100px 0}
.sec-paper{background:var(--paper)}
.sec-head{margin-bottom:52px}
.sec-head h2{margin-bottom:14px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
@media(max-width:900px){section{padding:72px 0}.split{grid-template-columns:1fr;gap:36px}}

.signs{list-style:none;display:grid;gap:14px}
.signs li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px 20px 18px 56px;position:relative;font-weight:500}
.signs li::before{content:"";position:absolute;left:20px;top:21px;width:22px;height:22px;border-radius:50%;background:var(--amber) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230d1b3e' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6 9 17l-5-5'/%3E%3C/svg%3E") center/13px no-repeat}
.note{margin-top:22px;padding:18px 20px;border-left:4px solid var(--navy);background:#eef1fa;border-radius:0 12px 12px 0;font-size:.95rem;color:#2c3752}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s;position:relative}
.steps::before{content:"";position:absolute;top:34px;left:8%;right:8%;height:2px;background:repeating-linear-gradient(90deg,var(--amber) 0 10px,transparent 10px 18px);opacity:.7}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:84px 24px 28px;transition:transform .25s,box-shadow .25s}
.step:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:10px;left:24px;width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center;font-size:1.2rem;box-shadow:0 0 0 6px var(--paper)}
.step h3{margin-bottom:8px}
.step p{color:var(--muted);font-size:.96rem}
@media(max-width:1000px){.steps{grid-template-columns:1fr 1fr}.steps::before{display:none}}
@media(max-width:560px){.steps{grid-template-columns:1fr}}

/* cards */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
@media(max-width:900px){.grid3{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.grid3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;transition:transform .25s,box-shadow .25s,border-color .25s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.card .ic{width:52px;height:52px;border-radius:14px;background:linear-gradient(145deg,var(--navy),#2a4aa8);color:#fff;display:grid;place-items:center;margin-bottom:18px}
.card .ic svg{width:26px;height:26px}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.96rem}

/* why */
.why{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#dbe2f5;position:relative;overflow:hidden}
.why h2,.why h3{color:#fff}
.why .lead{color:#c9d3ee}
.why .eyebrow{color:var(--amber)}
.why-list{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.why-item{padding:26px;border-radius:var(--radius);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.why-item h3{margin-bottom:8px;display:flex;gap:10px;align-items:center}
.why-item h3 svg{width:22px;height:22px;color:var(--amber)}
.why-item p{font-size:.96rem}
@media(max-width:700px){.why-list{grid-template-columns:1fr}}

/* areas */
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.area{display:flex;justify-content:space-between;align-items:center;padding:20px 22px;border-radius:14px;background:#fff;border:1px solid var(--line);text-decoration:none;color:var(--navy-ink);font-weight:700;transition:all .2s}
.area small{display:block;font-weight:500;color:var(--muted);font-size:.84rem}
.area svg{width:20px;height:20px;color:var(--amber-deep);transition:transform .2s}
.area:hover{border-color:var(--navy);box-shadow:0 10px 30px -15px rgba(16,38,104,.4)}
.area:hover svg{transform:translateX(4px)}
.area.current{background:var(--navy);color:#fff;border-color:var(--navy)}.area.current small{color:#c9d3ee}
@media(max-width:900px){.areas{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.areas{grid-template-columns:1fr}}
.statewide{margin-top:22px;text-align:center;color:var(--muted)}

/* faq */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 24px;transition:box-shadow .2s}
.faq details[open]{box-shadow:0 14px 40px -24px rgba(16,38,104,.45)}
.faq summary{cursor:pointer;list-style:none;padding:20px 36px 20px 0;font-weight:700;color:var(--navy-ink);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:1.6rem;font-weight:400;color:var(--amber-deep);transition:transform .2s}
.faq details[open] summary::after{transform:translateY(-50%) rotate(45deg)}
.faq details p{padding:0 0 22px;color:var(--muted)}

/* contact */
.contact-box{display:grid;grid-template-columns:.9fr 1.1fr;background:#fff;border-radius:26px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line)}
.contact-info{background:linear-gradient(160deg,var(--navy),var(--navy-deep));color:#dbe2f5;padding:48px 40px;position:relative}
.contact-info h2{color:#fff;margin-bottom:14px}
.contact-info p{margin-bottom:28px}
.c-line{display:flex;gap:14px;align-items:center;margin-bottom:18px;color:#fff;text-decoration:none;font-weight:600;word-break:break-word}
.c-line svg{flex:none;width:44px;height:44px;padding:11px;border-radius:12px;background:rgba(255,255,255,.1);color:var(--amber)}
.c-line small{display:block;color:#aebbe0;font-weight:500;font-size:.82rem}
form.cf{padding:44px 40px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.cf label{display:grid;gap:6px;font-size:.88rem;font-weight:600;color:var(--navy-ink)}
.cf .full{grid-column:1/-1}
.cf input,.cf select,.cf textarea{font:inherit;font-size:1rem;padding:13px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fbfaf7;color:var(--text);transition:border-color .2s,box-shadow .2s;width:100%}
.cf input:focus,.cf select:focus,.cf textarea:focus{outline:0;border-color:var(--navy);box-shadow:0 0 0 4px rgba(16,38,104,.12);background:#fff}
.cf textarea{min-height:120px;resize:vertical}
.cf .hp{position:absolute;left:-9999px}
.cf .btn{justify-self:start}
.cf .fine{font-size:.82rem;color:var(--muted);grid-column:1/-1}
@media(max-width:900px){.contact-box{grid-template-columns:1fr}form.cf{grid-template-columns:1fr;padding:32px 24px}.contact-info{padding:36px 24px}}

/* cta band */
.cta-band{padding:0 0 100px}
.cta-inner{background:linear-gradient(120deg,var(--amber) 0%,#ffc76b 100%);border-radius:26px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta-inner h2{font-size:clamp(1.5rem,3vw,2.1rem)}
.cta-inner p{color:#3a3320;margin-top:6px}

/* page hero (city) */
.page-hero{padding:70px 0 130px}
.crumbs{font-size:.88rem;color:#aebbe0;margin-bottom:18px}
.crumbs a{color:#dbe2f5;text-decoration:none}
.prose p{margin-bottom:18px;color:#343d52}
.prose h2{margin:0 0 18px}
.prose h3{margin:28px 0 10px}
.aside-card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:sticky;top:100px}
.aside-card h3{margin-bottom:12px}
.aside-card .checks li{font-size:.95rem}
.aside-card .checks svg{color:var(--amber-deep)}
.aside-card .btn{width:100%;justify-content:center;margin-top:12px}
.nearby{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.nearby span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.88rem;font-weight:600;color:var(--navy-ink)}

/* footer */
footer{background:var(--navy-ink);color:#aebbe0;padding:64px 0 30px;font-size:.93rem}
.foot{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:40px}
.foot img{height:56px;width:auto;margin-bottom:16px}
.foot h4{color:#fff;font-size:.85rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
.foot ul{list-style:none;display:grid;gap:8px}
.foot a{color:#dbe2f5;text-decoration:none}
.foot a:hover{color:var(--amber)}
.foot-cities{display:block!important;columns:2}.foot-cities li{margin-bottom:8px}
.foot-bottom{margin-top:44px;padding-top:22px;border-top:1px solid rgba(255,255,255,.1);display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap;font-size:.82rem;color:#8391b8}
@media(max-width:800px){.foot{grid-template-columns:1fr}}

/* mobile call bar */
.callbar{display:none}
@media(max-width:700px){
  .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--navy-ink);padding:10px 12px;gap:10px;box-shadow:0 -10px 30px rgba(0,0,0,.2)}
  .callbar a{flex:1;justify-content:center;padding:13px 10px;font-size:.95rem}
  body{padding-bottom:70px}
}

/* reveal */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}