:root{
  --navy:#0A1B2E;
  --navy-2:#122F4A;
  --ink:#142433;
  --slate:#445566;
  --muted:#5A6B7D;
  --line:#D0DAE6;
  --field:#64748B;
  --snow:#F4F7FA;
  --mist:#E7EEF5;
  --white:#FFFFFF;
  --trust:#0C6B4D;
  --trust-h:#0A5540;
  --gold:#C9A227;
  --focus:#1D4ED8;
  --ok:#166534;
  --err:#B91C1C;
  --max:1180px;
  --radius:12px;
  --shadow:0 18px 40px rgba(10,27,46,.12);
  --font:"Avenir Next","Segoe UI",Candara,Calibri,"Trebuchet MS",sans-serif;
  --display:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  color:var(--ink);
  background:var(--snow);
  font-family:var(--font);
  font-size:18px;
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
  text-rendering:optimizeLegibility;
}
img,svg{display:block;max-width:100%;height:auto}
a{color:inherit}
button,input,select,textarea{font:inherit}
.skip{
  position:absolute;left:16px;top:-100px;z-index:100;
  background:var(--white);color:var(--navy);padding:12px 16px;
  border-radius:8px;font-weight:700;text-decoration:none;
}
.skip:focus{top:16px}
.wrap{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.eyebrow{
  margin:0 0 12px;color:var(--trust);font-size:.72rem;font-weight:800;
  letter-spacing:.16em;text-transform:uppercase;
}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.sr-only{
  position:absolute;width:1px;height:1px;padding:0;margin:-1px;
  overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0;
}
.hp{
  position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;
  opacity:0!important;pointer-events:none!important;tabindex:-1;
}

/* Header */
.topbar{
  background:var(--navy);color:#D7E2EE;text-align:center;
  font-size:.78rem;padding:8px 16px;letter-spacing:.02em;
}
.site-header{
  position:sticky;top:0;z-index:40;
  background:rgba(244,247,250,.92);
  border-bottom:1px solid rgba(10,27,46,.08);
  backdrop-filter:blur(14px);
}
.nav{min-height:76px;display:flex;align-items:center;gap:20px}
.brand{display:inline-flex;flex-direction:column;text-decoration:none;line-height:1.05}
.brand-mark{
  font-family:var(--display);font-weight:700;font-size:1.28rem;
  color:var(--navy);letter-spacing:-.02em;
}
.brand-mark em{font-style:normal;color:var(--trust)}
.brand-tag{
  margin-top:6px;color:var(--muted);font-size:.62rem;font-weight:800;
  letter-spacing:.12em;text-transform:uppercase;
}
.nav-links{display:flex;align-items:center;gap:22px;margin-left:auto}
.nav-links a{
  text-decoration:none;font-size:.84rem;font-weight:700;color:var(--ink);
}
.nav-links a:hover,.nav-links a[aria-current="page"]{color:var(--trust)}
.nav-cta,.btn{
  display:inline-flex;align-items:center;justify-content:center;
  min-height:48px;padding:12px 22px;border:1px solid transparent;
  border-radius:10px;background:var(--trust);color:var(--white);
  font-weight:800;text-decoration:none;cursor:pointer;
  transition:background .15s ease,transform .15s ease,color .15s ease;
}
.nav-cta:hover,.btn:hover{background:var(--trust-h);transform:translateY(-1px)}
.btn-light{background:var(--white);color:var(--navy)}
.btn-light:hover{background:var(--mist);color:var(--navy)}
.btn-outline{
  background:transparent;color:var(--navy);border-color:var(--navy);
}
.btn-outline:hover{background:var(--navy);color:var(--white)}
.btn-ghost{
  background:transparent;color:var(--white);border-color:rgba(255,255,255,.45);
}
.btn-ghost:hover{background:rgba(255,255,255,.1);color:var(--white)}
.menu-btn{
  display:none;margin-left:auto;min-height:44px;padding:8px 14px;
  border:1px solid var(--navy);border-radius:10px;background:transparent;
  font-weight:800;cursor:pointer;
}

/* Hero — full-bleed authority */
.hero{
  position:relative;isolation:isolate;overflow:hidden;
  min-height:min(92vh,820px);color:var(--white);
  background:
    radial-gradient(ellipse 80% 60% at 80% 20%,rgba(12,107,77,.35),transparent 55%),
    linear-gradient(135deg,#07131F 0%,#0A1B2E 42%,#12324F 100%);
  padding:72px 0 88px;
}
.hero::before{
  content:"";position:absolute;inset:0;z-index:-1;
  background:
    linear-gradient(90deg,rgba(7,19,31,.88) 0%,rgba(7,19,31,.55) 48%,rgba(7,19,31,.25) 100%),
    url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1200 800' preserveAspectRatio='xMidYMid slice'%3E%3Crect width='1200' height='800' fill='%23102A43'/%3E%3Cpath d='M0 520C180 470 320 540 520 480C720 420 880 470 1200 410V800H0Z' fill='%230C6B4D' opacity='.22'/%3E%3Cpath d='M720 280l180-120 180 120v300H720Z' fill='%23F4F7FA' opacity='.12'/%3E%3Cpath d='M690 300L900 140l210 160' fill='none' stroke='%23C9A227' stroke-width='14' opacity='.55'/%3E%3Crect x='860' y='360' width='80' height='120' fill='%230C6B4D' opacity='.45'/%3E%3C/svg%3E") center/cover no-repeat;
}
.hero-inner{max-width:720px}
.hero .brand-hero{
  font-family:var(--display);font-size:clamp(2.6rem,6.5vw,4.8rem);
  line-height:1;letter-spacing:-.04em;margin:0 0 18px;font-weight:700;
}
.hero .brand-hero .for{display:block;color:var(--gold);font-size:.55em;letter-spacing:.04em;margin:10px 0 4px}
.hero .brand-hero .fast{color:#E8F5EF}
.signature{
  display:flex;flex-wrap:wrap;align-items:baseline;gap:8px 12px;
  margin:0 0 26px;padding:14px 0;min-height:3em;
  border-top:1px solid rgba(201,162,39,.35);
  border-bottom:1px solid rgba(201,162,39,.35);
  font-size:clamp(1.1rem,2.5vw,1.45rem);font-weight:700;
}
.signature .prefix{opacity:.9;color:#D7E2EE}
.signature .changing{
  color:var(--gold);min-width:17ch;display:inline-block;
  transition:opacity .25s ease;
}
.signature .end{font-family:var(--display);font-size:1.2em;color:#fff;letter-spacing:.02em}
.hero h1{
  font-family:var(--display);font-size:clamp(1.55rem,3vw,2.15rem);
  line-height:1.2;letter-spacing:-.02em;margin:0 0 14px;font-weight:700;
  max-width:28ch;
}
.hero .lede{
  margin:0 0 28px;max-width:52ch;color:#D5E0EB;font-size:1.05rem;
}
.address-form{
  background:rgba(255,255,255,.97);color:var(--ink);
  border-radius:14px;padding:16px;box-shadow:var(--shadow);max-width:640px;
}
.address-form .form-label{
  display:block;font-size:.78rem;font-weight:800;color:var(--navy);
  margin:0 0 8px 4px;
}
.address-form .row{display:flex;gap:10px}
.address-form input{
  flex:1;min-width:0;min-height:54px;border:1px solid var(--field);
  border-radius:10px;padding:0 16px;background:var(--snow);color:var(--ink);
}
.address-form input:focus{outline:3px solid var(--focus);outline-offset:1px}
.address-form .btn{border-radius:10px;white-space:nowrap}
.form-meta{
  display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;
  margin:12px 6px 2px;font-size:.78rem;color:var(--muted);
}
.form-meta a,.text-link{
  color:var(--trust);font-weight:800;text-decoration:underline;
  background:none;border:0;padding:0;cursor:pointer;
}

/* Trust strip */
.trust-strip{background:var(--white);border-bottom:1px solid var(--line)}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.trust-item{padding:26px 22px;border-right:1px solid var(--line)}
.trust-item:last-child{border-right:0}
.trust-item strong{
  display:block;font-family:var(--display);font-size:1.12rem;
  color:var(--navy);margin-bottom:4px;
}
.trust-item span{color:var(--muted);font-size:.82rem}

/* Sections */
.section{padding:88px 0}
.section.alt{background:var(--white)}
.section.navy{background:var(--navy);color:var(--white)}
.section.navy .eyebrow{color:var(--gold)}
.section.navy p,.section.navy .lede{color:#C5D3E0}
.section-head{
  display:flex;justify-content:space-between;gap:36px;align-items:end;
  margin-bottom:40px;
}
.section-head h2,.page-hero h1,.cta-band h2{
  font-family:var(--display);font-size:clamp(1.9rem,3.8vw,3.1rem);
  line-height:1.1;letter-spacing:-.03em;margin:0;max-width:18ch;color:var(--navy);
}
.section.navy .section-head h2,.cta-band h2{color:var(--white)}
.section-head p{max-width:48ch;margin:0;color:var(--muted)}

/* Option rows — not card-heavy */
.options{display:grid;gap:0;border-top:1px solid var(--line)}
.option{
  display:grid;grid-template-columns:80px 1fr auto;gap:24px;align-items:center;
  padding:28px 0;border-bottom:1px solid var(--line);text-decoration:none;
  transition:background .15s ease;
}
.option:hover{background:rgba(12,107,77,.04)}
.option .num{
  font-family:var(--display);font-size:1.6rem;color:var(--trust);font-weight:700;
}
.option h3{margin:0 0 6px;font-family:var(--display);font-size:1.35rem;color:var(--navy)}
.option p{margin:0;color:var(--muted);font-size:.95rem;max-width:62ch}
.option .go{font-weight:800;color:var(--trust);white-space:nowrap}

/* Compare table */
.compare-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
.compare-table{
  width:100%;border-collapse:collapse;min-width:640px;
  background:var(--white);border-radius:var(--radius);overflow:hidden;
}
.compare-table th,.compare-table td{
  padding:16px 18px;text-align:left;border-bottom:1px solid var(--line);
  font-size:.9rem;vertical-align:top;
}
.compare-table th{
  background:var(--navy);color:#fff;font-family:var(--display);
  font-weight:700;font-size:1rem;
}
.compare-table td:first-child{font-weight:800;color:var(--navy);width:22%}
.compare-table tr:last-child td{border-bottom:0}

/* Steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{padding-top:18px;border-top:3px solid var(--trust)}
.step .n{color:var(--trust);font-size:.72rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.step strong{display:block;font-family:var(--display);font-size:1.35rem;margin:10px 0 8px;color:var(--navy)}
.step p{margin:0;color:var(--muted);font-size:.92rem}

/* Situation links */
.sit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.sit-link{
  display:block;padding:22px 20px;background:var(--white);
  border:1px solid var(--line);border-radius:var(--radius);
  text-decoration:none;font-weight:800;color:var(--navy);
  transition:border-color .15s ease,transform .15s ease;
}
.sit-link:hover{border-color:var(--trust);transform:translateY(-2px)}
.sit-link span{display:block;margin-top:6px;font-weight:500;color:var(--muted);font-size:.84rem}

/* Calculator */
.calc-shell{
  display:grid;grid-template-columns:1fr 1.05fr;gap:40px;align-items:center;
  background:var(--navy);color:#fff;border-radius:18px;padding:48px;
}
.calc-shell h2{color:#fff;max-width:14ch}
.calc-shell > div > p{color:#C5D3E0}
.calc-panel{background:var(--white);color:var(--ink);border-radius:14px;padding:26px}
.calc-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.field label{display:block;font-size:.74rem;font-weight:800;margin-bottom:6px;color:var(--ink)}
.field input,.field select,.field textarea{
  width:100%;min-height:48px;border:1px solid var(--field);border-radius:9px;
  padding:10px 12px;background:var(--white);color:var(--ink);
}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:3px solid var(--focus);outline-offset:2px;
}
.result{
  margin-top:16px;padding:16px;border-radius:10px;background:var(--mist);
  display:flex;justify-content:space-between;align-items:center;gap:12px;
}
.result strong{font-family:var(--display);font-size:1.4rem;color:var(--navy)}
.disclaimer{font-size:.72rem;color:var(--muted);margin:12px 0 0}

/* Coverage */
.coverage{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center}
.coverage-visual{
  position:relative;border-radius:18px;overflow:hidden;
  background:var(--white);
  border:1px solid var(--line);
  padding:28px 24px 20px;
}
.coverage-visual img{
  width:100%;height:auto;display:block;
}
.coverage-meta{
  display:flex;justify-content:space-between;align-items:flex-end;gap:16px;
  margin-top:18px;padding-top:16px;border-top:1px solid var(--line);
}
.coverage-meta strong{
  display:block;font-family:var(--display);font-size:1.35rem;color:var(--navy);line-height:1.15;
}
.coverage-meta span{display:block;color:var(--muted);font-size:.8rem;margin-top:4px}
.coverage-legend{
  display:flex;flex-direction:column;gap:8px;font-size:.72rem;color:var(--slate);text-align:right;
}
.coverage-legend i{
  display:inline-block;width:10px;height:10px;border-radius:2px;margin-right:6px;vertical-align:middle;
}
.coverage-legend .all{background:#9FB2C3}
.coverage-legend .featured{background:#C8DDD4;border:1px solid #8AADA0}
.chip-list{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 28px}
.chip{
  display:inline-flex;padding:8px 12px;border-radius:999px;
  background:var(--mist);font-size:.8rem;font-weight:700;color:var(--navy);
}

/* FAQ */
.faq{max-width:820px}
.faq details{border-top:1px solid var(--line);padding:18px 0}
.faq details:last-child{border-bottom:1px solid var(--line)}
.faq summary{
  cursor:pointer;font-family:var(--display);font-size:1.15rem;
  font-weight:700;color:var(--navy);list-style:none;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--trust);font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);font-size:.95rem;margin:12px 0 0}

/* CTA band */
.cta-band{background:var(--trust);color:#fff;padding:64px 0}
.cta-row{display:flex;align-items:center;justify-content:space-between;gap:28px}
.cta-row p{margin:10px 0 0;color:#D7F0E6;max-width:48ch}

/* Page hero */
.page-hero{
  padding:72px 0 56px;
  background:
    linear-gradient(180deg,var(--white) 0%,var(--snow) 100%);
  border-bottom:1px solid var(--line);
}
.page-hero p{max-width:68ch;color:var(--muted);font-size:1.05rem;margin:16px 0 0}

/* Prose */
.content-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:start}
.prose{max-width:72ch}
.crumbs{font-size:.82rem;color:var(--muted);margin:0 0 22px}
.crumbs a{color:var(--trust);font-weight:700;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.prose h2{
  font-family:var(--display);font-size:1.85rem;color:var(--navy);
  margin:2em 0 .6em;letter-spacing:-.02em;
}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--display);font-size:1.25rem;color:var(--navy);margin:1.6em 0 .5em}
.prose p,.prose li{color:var(--slate)}
.prose ul{padding-left:1.2em}
.prose a{color:var(--trust);font-weight:700}
.callout{
  background:var(--mist);border-left:4px solid var(--trust);
  padding:22px 22px 22px 24px;border-radius:0 12px 12px 0;margin:0 0 28px;
}
.callout strong{display:block;font-family:var(--display);font-size:1.15rem;color:var(--navy);margin-bottom:8px}
.side-panel{
  position:sticky;top:100px;background:var(--white);
  border:1px solid var(--line);border-radius:14px;padding:24px;
}
.side-panel h3{font-family:var(--display);margin:0 0 10px;color:var(--navy)}
.side-panel p{color:var(--muted);font-size:.9rem;margin:0 0 18px}
.guide-list,.loc-list{display:grid;gap:12px}
.loc-region{margin-bottom:40px}
.guide-item,.loc-item{
  display:block;padding:20px 22px;background:var(--white);
  border:1px solid var(--line);border-radius:12px;text-decoration:none;
}
.guide-item:hover,.loc-item:hover{border-color:var(--trust)}
.guide-item strong,.loc-item strong,.loc-state strong{
  display:block;font-family:var(--display);font-size:1.2rem;color:var(--navy);margin-bottom:6px;
}
.guide-item span,.loc-item span{color:var(--muted);font-size:.9rem}
.loc-state{display:block;text-decoration:none}
.loc-state:hover strong{color:var(--trust)}
.loc-meta{margin:0 0 14px;color:var(--muted);font-size:.9rem;line-height:1.45}
.loc-cities{display:flex;flex-wrap:wrap;gap:8px}
.loc-city{
  display:inline-flex;align-items:center;min-height:36px;padding:6px 12px;
  border:1px solid var(--line);border-radius:8px;background:var(--snow);
  color:var(--navy);font-size:.84rem;font-weight:700;text-decoration:none;
}
.loc-city:hover{border-color:var(--trust);color:var(--trust);background:#F0F8F4}
.loc-city-more{border-style:dashed;color:var(--muted)}

/* Footer */
footer{background:#06121F;color:#D5E0EB;padding:64px 0 28px}
.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:36px}
footer .brand-mark{color:#fff}
footer .brand-tag{color:var(--gold)}
.footer-grid > div > p{color:#9AADC0;font-size:.86rem;max-width:38ch;margin:14px 0 0}
.footer-col strong{
  display:block;margin-bottom:12px;font-size:.72rem;letter-spacing:.12em;
  text-transform:uppercase;color:#fff;
}
.footer-col a{
  display:block;color:#B8C9D8;font-size:.86rem;text-decoration:none;margin:8px 0;
}
.footer-col a:hover{color:#fff}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:20px;
  color:#7E93A8;font-size:.74rem;
}
.footer-bottom a{color:#A8BDD0}

/* Lead modal */
.stage-modal[hidden]{display:none}
.stage-modal{
  position:fixed;inset:0;z-index:60;background:rgba(6,18,31,.72);
  display:grid;place-items:center;padding:18px;
}
.stage-card{
  width:min(100%,640px);max-height:92vh;overflow:auto;
  background:var(--white);border-radius:16px;padding:28px;box-shadow:var(--shadow);
}
.stage-top{display:flex;justify-content:space-between;gap:16px;align-items:flex-start}
.stage-top h2{font-family:var(--display);margin:0;font-size:1.55rem;color:var(--navy)}
.close{border:0;background:transparent;font-size:1.8rem;line-height:1;cursor:pointer;color:var(--slate)}
.progress{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;margin:20px 0}
.progress span{height:4px;border-radius:4px;background:var(--mist)}
.progress span.active{background:var(--trust)}
.stage{display:none}
.stage.active{display:block}
.stage h3{font-family:var(--display);margin:0 0 8px;color:var(--navy)}
.stage > p{font-size:.88rem;color:var(--muted);margin:0 0 16px}
.stage-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.stage-actions{display:flex;justify-content:space-between;align-items:center;margin-top:22px;gap:12px}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.78rem;color:var(--muted);margin-top:14px}
.check input{width:20px;height:20px;margin-top:2px;flex:0 0 auto}
.status{border-radius:10px;padding:14px;background:var(--mist);font-size:.9rem;margin-top:14px;color:var(--navy)}
.status.ok{background:#E7F6EE;color:var(--ok)}
.status.err{background:#FDECEC;color:var(--err)}

/* Google Places dropdown above lead modal */
.pac-container{z-index:10000 !important;font-family:var(--sans),system-ui,sans-serif;border-radius:10px;border:1px solid var(--line);box-shadow:var(--shadow)}
.pac-item{padding:8px 12px;cursor:pointer}
.pac-item:hover,.pac-item-selected{background:var(--mist)}

/* States grid */
.state-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.state-grid a{
  display:block;padding:14px 16px;background:var(--white);
  border:1px solid var(--line);border-radius:10px;text-decoration:none;
  font-weight:700;font-size:.9rem;color:var(--navy);
}
.state-grid a:hover{border-color:var(--trust);color:var(--trust)}
.state-grid a.featured{border-color:var(--trust);background:#F0F8F4}

@media (max-width:980px){
  .nav-links{
    display:none;position:absolute;top:76px;left:0;right:0;
    background:var(--snow);padding:18px 20px 24px;border-bottom:1px solid var(--line);
    flex-direction:column;align-items:flex-start;gap:16px;
  }
  .nav-links.open{display:flex}
  .menu-btn{display:inline-flex}
  .nav > .nav-cta{display:none}
  .trust-grid{grid-template-columns:1fr 1fr}
  .option{grid-template-columns:56px 1fr;gap:16px}
  .option .go{grid-column:2}
  .steps,.sit-grid,.coverage,.calc-shell,.content-grid{grid-template-columns:1fr}
  .coverage-meta{flex-direction:column;align-items:flex-start}
  .coverage-legend{text-align:left}
  .section-head{display:block}
  .section-head p{margin-top:14px}
  .footer-grid{grid-template-columns:1fr 1fr}
  .state-grid{grid-template-columns:repeat(3,1fr)}
  .side-panel{position:static}
}
@media (max-width:640px){
  body{font-size:17px}
  .wrap{width:min(calc(100% - 32px),var(--max))}
  .hero{padding:48px 0 64px;min-height:auto}
  .address-form .row{flex-direction:column}
  .address-form .btn{width:100%}
  .trust-grid,.sit-grid,.steps,.footer-grid,.state-grid,.calc-grid,.stage-grid{grid-template-columns:1fr}
  .trust-item{border-right:0;border-bottom:1px solid var(--line)}
  .section{padding:64px 0}
  .calc-shell{padding:28px 20px}
  .cta-row{flex-direction:column;align-items:flex-start}
  .page-hero{padding:48px 0 40px}
  .signature{font-size:1rem}
  .compare-table th,.compare-table td{padding:12px}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  *,*::before,*::after{animation-duration:.01ms!important;transition-duration:.01ms!important}
  .signature .changing{min-width:0}
}