:root{
  --navy:#16304F; --navy-2:#22456E; --amber:#F5A623; --amber-h:#DC9313; --amber-d:#9A6410;
  --ink:#0F1720; --muted:#56606D;
  --band:#F5F5F3; --band-2:#EBEBE7; --line:#E3E3DF; --line-2:#D2D2CD;
  --white:#fff; --ok:#157A4F; --err:#A32D2D;
  --radius:12px; --max:1040px;
  --font-sans:Arial,"Helvetica Neue",Helvetica,"Liberation Sans",sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:var(--font-sans);
  color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.narrow{max-width:600px}
a{color:var(--navy);text-decoration:underline;text-underline-offset:2px}
h1,h2,h3{line-height:1.2;font-weight:700;letter-spacing:-.02em}
h1{font-size:38px;letter-spacing:-.025em}
h2{font-size:27px;letter-spacing:-.015em}
h3{font-size:17px}
.small{font-size:13px;color:var(--muted)}
.xs{font-size:12px;color:var(--muted);line-height:1.5}
.lead{font-size:18px;color:var(--muted)}

header{border-bottom:1px solid var(--line);background:var(--white);position:sticky;top:0;z-index:20}
.hrow{display:flex;align-items:center;gap:24px;height:66px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand span{font-size:19px;font-weight:600;letter-spacing:-.01em}
.nav-main{display:flex;gap:20px;margin-left:12px}
.nav-main a{font-size:14px;color:var(--muted);text-decoration:none}
.nav-main a:hover{color:var(--navy)}
.callbtn{margin-left:auto;display:inline-flex;align-items:center;gap:7px;font-size:14px;
  font-weight:600;color:var(--navy);text-decoration:none;border:1px solid var(--line);
  padding:8px 14px;border-radius:999px;white-space:nowrap}
@media(max-width:640px){.nav-main{display:none}h1{font-size:28px}h2{font-size:23px}}

.hero{background:var(--band);border-bottom:1px solid var(--line);padding:56px 0 60px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr;gap:28px}}
.hero h1{margin-bottom:14px}
.hero .lead{margin-bottom:26px;max-width:520px}
.quotecard{background:var(--white);border:1px solid var(--line-2);border-radius:16px;padding:24px}
.quotecard h3{margin-bottom:4px}
.quotecard p{font-size:13px;color:var(--muted);margin-bottom:16px}
.trustrow{display:flex;gap:20px;flex-wrap:wrap;margin-top:22px}
.trustrow div{font-size:13px;color:var(--muted);display:flex;align-items:center;gap:7px}
.dot{width:6px;height:6px;border-radius:50%;background:var(--ok);flex:none}

input,select{width:100%;height:50px;padding:0 14px;font-size:16px;font-family:inherit;
  border:1px solid var(--line);border-radius:10px;background:var(--white);color:var(--ink)}
input:focus,select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(22,48,79,.14)}
label{display:block;font-size:14px;font-weight:600;margin-bottom:6px}
.field{margin-bottom:16px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:520px){.grid2{grid-template-columns:1fr}}

.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;height:50px;
  padding:0 26px;font-size:16px;font-weight:600;font-family:inherit;border:none;
  border-radius:10px;cursor:pointer;background:var(--amber);color:#3A2606;text-decoration:none}
.btn:hover{background:var(--amber-h)}
.btn:disabled{opacity:.6;cursor:default}
.btn.full{width:100%}
.btn.ghost{background:transparent;color:var(--muted);border:1px solid var(--line);font-weight:500}
.btn.ghost:hover{background:var(--band)}

section.pad{padding:64px 0}
section.tint{background:var(--band);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.sechead{max-width:600px;margin-bottom:32px}
.sechead h2{margin-bottom:8px}

.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px}
.card{border:1px solid var(--line-2);border-radius:var(--radius);padding:22px;background:var(--white)}
.card h3{margin-bottom:7px}
.card p{font-size:14.5px;color:var(--muted)}
.stepnum{width:30px;height:30px;border-radius:50%;background:var(--band);color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-size:13px;font-weight:700;margin-bottom:13px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:20px}
@media(max-width:760px){.split{grid-template-columns:1fr}}
.panel{border:1px solid var(--line-2);border-radius:var(--radius);padding:22px}
.panel h3{margin-bottom:10px}
.panel ul{list-style:none;display:grid;gap:9px}
.panel li{font-size:14.5px;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.tick{color:var(--ok);font-weight:700;flex:none}
.cross{color:var(--muted);font-weight:700;flex:none}

.faq{display:grid;gap:0;max-width:760px}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}
.faq summary{font-size:16px;font-weight:600;cursor:pointer;list-style:none;display:flex;
  justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--muted);font-weight:400;font-size:20px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq p{font-size:14.5px;color:var(--muted);margin-top:10px}

.cta{text-align:center;padding:64px 0}
.cta h2{margin-bottom:10px}
.cta p{margin-bottom:24px}
.zipform{display:flex;gap:10px;flex-wrap:wrap;max-width:420px;margin:0 auto}
.zipform.left{margin:0}
.zipform input{flex:1;min-width:150px}

footer{background:var(--band);border-top:1px solid var(--line);padding:44px 0}
.flinks{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:20px}
.flinks a{font-size:14px}
.legal{font-size:11.5px;color:var(--muted);line-height:1.6;max-width:820px}
.legal p{margin-bottom:9px}

.doc{padding:48px 0 64px}
.doc h1{font-size:30px;margin-bottom:18px}
.doc h3{margin:26px 0 8px}
.doc p,.doc li{font-size:15px;color:var(--muted);margin-bottom:11px}
.doc ul{padding-left:20px}
.note{background:#FFF8E8;border:1px solid #F0DDB0;border-radius:10px;padding:14px;
  font-size:13px;color:#6B4E10;margin:16px 0}

.progress{height:5px;background:var(--line);border-radius:999px;overflow:hidden;margin-bottom:8px}
.progress i{display:block;height:100%;background:var(--amber);width:0;transition:width .3s ease}
.stepmeta{display:flex;justify-content:space-between;margin-bottom:26px}
.step{display:none}
.step.on{display:block}
.step h2{margin-bottom:6px}
.step p.sub{color:var(--muted);font-size:15px;margin-bottom:22px}
.snav{display:flex;gap:10px;margin-top:20px}
.choices{display:grid;gap:10px}
.choice{display:flex;align-items:center;gap:12px;padding:15px 16px;border:1px solid var(--line);
  border-radius:10px;cursor:pointer;background:var(--white);font-size:16px;text-align:left;
  width:100%;font-family:inherit;color:var(--ink)}
.choice:hover{border-color:var(--navy);background:var(--band)}
.choice.sel{border-color:var(--navy);background:var(--band);box-shadow:0 0 0 2px rgba(31,58,95,.1)}
.consent{background:var(--band);border:1px solid var(--line);border-radius:10px;padding:16px;margin:18px 0}
.consent label{display:flex;gap:11px;align-items:flex-start;font-weight:400;font-size:12.5px;
  line-height:1.55;color:var(--muted);cursor:pointer;margin:0}
.consent input[type=checkbox]{width:19px;height:19px;flex:none;margin-top:1px;accent-color:var(--navy)}
.partners{margin-top:10px;font-size:12px;color:var(--muted)}
.results{display:none}
.results.on{display:block}
.offer{border:1px solid var(--line);border-radius:var(--radius);padding:18px;margin-bottom:12px;
  display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.offer .who{display:flex;align-items:center;gap:13px}
.mark{width:44px;height:44px;border-radius:9px;background:var(--band);display:flex;
  align-items:center;justify-content:center;font-weight:700;color:var(--navy);font-size:13px;flex:none}
.rate{font-size:22px;font-weight:700;color:var(--navy);white-space:nowrap}
.rate small{display:block;font-size:11px;font-weight:400;color:var(--muted)}
.callout{background:var(--navy);color:#fff;border-radius:var(--radius);padding:22px;margin:22px 0;
  display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.callout h3{color:#fff;margin-bottom:3px}
.callout p{color:#C6D3E2;font-size:14px}