:root{--navy:#0A2540;--navy2:#123A63;--blue:#1E6FB8;--sky:#EAF3FB;--gold:#FFB81C;--gold-d:#F0A500;--ink:#1B2533;--muted:#556173;--line:#E2E8F0;--soft:#F4F7FA;--r:16px;--sh:0 10px 30px rgba(10,37,64,.08);--sh2:0 18px 40px rgba(10,37,64,.16)}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-underline-offset:3px}a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}
h1,h2,h3{font-family:Montserrat,Arial,sans-serif;color:var(--navy);line-height:1.18;margin:0 0 .55em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.55rem,3.1vw,2.25rem);font-weight:800}
h3{font-size:1.14rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.narrow{max-width:840px;margin-left:auto;margin-right:auto}
.center{text-align:center}.small{font-size:.9rem;color:var(--muted)}.sub{color:var(--muted);max-width:720px;margin:0 auto 2.2rem;text-align:center}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-9999px;top:8px;background:#fff;color:var(--navy);padding:10px 14px;border-radius:8px;z-index:200;font-weight:700}.skip:focus{left:12px}
.ico{width:20px;height:20px;fill:currentColor;flex:none}
.dot{display:inline-block;width:9px;height:9px;border-radius:50%;background:#22C55E;box-shadow:0 0 0 4px rgba(34,197,94,.22);margin-right:6px;animation:pulse 2s infinite;vertical-align:middle}
@keyframes pulse{50%{box-shadow:0 0 0 7px rgba(34,197,94,.06)}}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important;scroll-behavior:auto!important}}
.kicker,.eyebrow{font-family:Montserrat,Arial,sans-serif;font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;color:var(--blue);margin-bottom:.6em}
.eyebrow{color:var(--gold)}
/* topbar + header */
.topbar{background:var(--navy);color:#DCE6F2;font-size:.85rem}.tb{display:flex;justify-content:space-between;gap:12px;padding:8px 20px}.topbar a{color:var(--gold);font-weight:700;text-decoration:none}
.site-header{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 14px rgba(10,37,64,.07)}
.hdr{display:flex;align-items:center;gap:24px;padding:12px 20px}
.logo img{width:250px;height:auto}
nav{margin-left:auto}nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
nav a{display:block;color:var(--navy);text-decoration:none;font-weight:600;font-size:.95rem;padding:10px 12px;border-radius:8px}nav a:hover,nav a[aria-current="page"]{background:var(--sky);color:var(--blue)}
.hdr-phone{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);background:var(--gold);padding:9px 18px 9px 10px;border-radius:999px;box-shadow:0 8px 20px rgba(255,184,28,.35)}
.hdr-phone:hover{background:var(--gold-d);color:var(--navy)}
.hp-ico{display:grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:var(--gold)}.hp-ico .ico{fill:var(--gold)}
.hdr-phone small{display:block;font-size:.7rem;font-weight:700;text-transform:uppercase;letter-spacing:.06em}.hdr-phone b{font-family:Montserrat,Arial,sans-serif;font-size:1.08rem}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}.menu-btn span{display:block;width:26px;height:3px;border-radius:2px;background:var(--navy);margin:5px 0}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:12px;justify-content:center;font-weight:700;font-family:Montserrat,Arial,sans-serif;text-decoration:none;border-radius:999px;padding:14px 26px;font-size:1.02rem;transition:transform .15s,background .15s,box-shadow .15s;border:2px solid transparent;line-height:1.15}
.btn-call{background:var(--gold);color:var(--navy);box-shadow:0 10px 24px rgba(255,184,28,.38)}.btn-call:hover{background:var(--gold-d);color:var(--navy);transform:translateY(-1px)}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--navy2);color:#fff}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-outline{border-color:var(--navy);color:var(--navy)}.btn-outline:hover{background:var(--navy);color:#fff}
.btn-txt{display:flex;flex-direction:column;text-align:left}.btn-num{font-size:.8em;font-weight:600;opacity:.85}
.btn-call .ico{width:22px;height:22px}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:24px 0 16px}.center-row{justify-content:center}
.hero-note{font-size:.86rem;color:#BFD0E4;margin:6px 0 0}
/* hero */
.hero{position:relative;color:#fff;padding:72px 0 80px;background:linear-gradient(100deg,rgba(10,37,64,.96) 0%,rgba(10,37,64,.88) 45%,rgba(10,37,64,.55) 100%),var(--bg) center/cover no-repeat}
.hero h1{color:#fff}.hero .lead{color:#DCE6F2;font-size:1.14rem;max-width:620px}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:48px;align-items:center}
.ticks{display:flex;flex-wrap:wrap;gap:8px 22px;list-style:none;padding:0;margin:0;font-size:.95rem;color:#fff}.ticks li::before{content:"✓";color:var(--gold);font-weight:800;margin-right:7px}
.em-card{background:#fff;color:var(--ink);border-radius:20px;padding:28px;box-shadow:var(--sh2);border-top:6px solid var(--gold)}
.em-top{font-size:.85rem;font-weight:700;color:#15803D;margin-bottom:6px}.em-h{font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:1.5rem;color:var(--navy);margin-bottom:6px}
.em-p{color:var(--muted);font-size:.95rem}.em-phone{font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:1.9rem;margin:4px 0 12px}.em-phone a{color:var(--navy);text-decoration:none}
.em-card .btn{width:100%}.em-list{list-style:none;padding:0;margin:18px 0 0;display:grid;grid-template-columns:1fr 1fr;gap:8px 12px;font-size:.88rem;color:var(--navy);font-weight:600}.em-list li::before{content:"●";color:var(--blue);margin-right:6px;font-size:.7em;vertical-align:middle}
/* page hero */
.page-hero{color:#fff;padding:60px 0 64px;background:linear-gradient(100deg,rgba(10,37,64,.95) 0%,rgba(10,37,64,.85) 55%,rgba(10,37,64,.6) 100%),var(--bg) center/cover no-repeat}
.page-hero h1{color:#fff;max-width:860px}.page-hero .lead{color:#DCE6F2;max-width:720px;font-size:1.1rem}
.ph-grid{max-width:1200px}
.crumbs{background:var(--soft);font-size:.86rem;padding:10px 0;border-bottom:1px solid var(--line)}.crumbs a{color:var(--blue)}.crumbs .sep{color:#9AA6B6;margin:0 6px}
/* trust */
.trust-strip{background:#fff;border-bottom:1px solid var(--line);padding:20px 0}
.badges{display:flex;flex-wrap:wrap;justify-content:center;gap:14px 34px;list-style:none;margin:0;padding:0}
.badges li{display:flex;align-items:center;gap:10px;font-weight:700;font-size:.93rem;color:var(--navy)}.badges li[hidden]{display:none}
.b-ico{display:inline-grid;place-items:center;min-width:46px;height:46px;padding:0 8px;border-radius:12px;background:var(--sky);color:var(--blue);font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:.85rem}
/* sections */
.sec{padding:76px 0}.sec.alt{background:var(--soft)}.sec.tight{padding:10px 0 48px}
.answer{font-size:1.06rem;background:var(--sky);border-left:5px solid var(--blue);padding:16px 20px;border-radius:0 12px 12px 0;color:var(--ink)}
.answer-box{margin:1.5em 0}
.grid{display:grid;gap:24px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);overflow:hidden;transition:transform .18s,box-shadow .18s}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh2)}
.svc-img img,.post img{aspect-ratio:4/3;object-fit:cover;width:100%}
.svc-b{padding:18px 20px 22px}.svc-b h3 a{color:var(--navy);text-decoration:none}.svc-b h3 a:hover{color:var(--blue);text-decoration:underline}.svc-b p{color:var(--muted);font-size:.93rem;margin-bottom:.7em}
.more{font-weight:700;font-size:.92rem;text-decoration:none}.more:hover{text-decoration:underline}
.feat{padding:28px;border-top:4px solid var(--blue)}.feat p{color:var(--muted);margin:0}.feat h3 a{color:var(--navy)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
figure{margin:0}.rounded{border-radius:18px;box-shadow:var(--sh2)}
.tall{aspect-ratio:4/5;object-fit:cover;width:100%;max-height:640px}
.stack{position:relative;padding:0 0 60px 60px}.stack img:first-child{aspect-ratio:4/3;object-fit:cover;width:100%}.stack-b{position:absolute;left:0;bottom:0;width:46%;aspect-ratio:3/4;object-fit:cover;border:6px solid #fff}
.checks{list-style:none;padding:0;margin:0 0 1.3em}.checks li{position:relative;padding-left:32px;margin:.5em 0}.checks li::before{content:"";position:absolute;left:0;top:.3em;width:20px;height:20px;border-radius:50%;background:var(--blue) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z' fill='white'/%3E%3C/svg%3E") center/14px no-repeat}
.cols2{columns:2;column-gap:34px}.cols2 li{break-inside:avoid}
.steps-list{padding-left:1.3em}.steps-list li{margin:.6em 0;padding-left:.3em}
/* stats */
.stats{background:var(--navy);color:#fff;padding:44px 0}.sgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.sgrid b{display:block;font-family:Montserrat,Arial,sans-serif;font-size:2.6rem;font-weight:800;color:var(--gold);line-height:1.1}.sgrid span{color:#C9D6E6;font-size:.95rem}
/* gallery */
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.gallery figure{position:relative;border-radius:16px;overflow:hidden;box-shadow:var(--sh)}
.gallery img{aspect-ratio:3/4;object-fit:cover;width:100%}.gallery figcaption{position:absolute;left:0;right:0;bottom:0;padding:34px 14px 12px;font-size:.82rem;font-weight:600;color:#fff;background:linear-gradient(transparent,rgba(10,37,64,.88))}
/* process */
.process{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:p}
.process li{background:#fff;border-radius:var(--r);padding:28px 24px;box-shadow:var(--sh);position:relative;border:1px solid var(--line)}
.pnum{font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:2.4rem;color:var(--gold);line-height:1;display:block;margin-bottom:12px}
.process p{color:var(--muted);margin:0;font-size:.95rem}
.timeline{list-style:none;padding:0;margin:0 0 24px;border-left:3px solid var(--sky)}
.timeline li{position:relative;padding:0 0 18px 26px}.timeline li::before{content:"";position:absolute;left:-10px;top:4px;width:17px;height:17px;border-radius:50%;background:var(--gold);border:3px solid #fff;box-shadow:0 0 0 2px var(--gold)}
.timeline b{display:block;font-family:Montserrat,Arial,sans-serif;color:var(--navy)}.timeline span{color:var(--muted)}
/* CTA blocks */
.cta-inline{display:flex;flex-wrap:wrap;align-items:center;justify-content:center;gap:14px 24px;margin:34px 0 4px;padding:22px;border-radius:var(--r);background:#fff;border:2px dashed #C6D7EA;text-align:center}.cta-inline p{margin:0;font-weight:700;color:var(--navy)}
.cta-band{background:var(--gold);padding:34px 0}.cta-band .wrap{display:flex;flex-wrap:wrap;gap:18px;align-items:center;justify-content:center}.cta-band p{margin:0;font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:1.35rem;color:var(--navy)}
.cta-box{display:flex;align-items:center;gap:18px;flex-wrap:wrap;margin:34px 0;padding:24px 26px;border-radius:var(--r);background:#FFF7E3;border:1px solid #FFE2A0;border-left:6px solid var(--gold)}
.cta-box.blue{background:var(--sky);border-color:#CFE1F3;border-left-color:var(--blue)}
.cb-ico{flex:none;width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:var(--gold);font-weight:800;font-size:1.3rem;font-family:Montserrat,Arial,sans-serif}
.cb-t{flex:1 1 260px}.cb-t p{margin:0}.cb-h{font-family:Montserrat,Arial,sans-serif;font-weight:800;color:var(--navy);font-size:1.12rem;margin-bottom:4px!important}
.final-cta{color:#fff;padding:84px 0;background:linear-gradient(rgba(10,37,64,.9),rgba(10,37,64,.92)),var(--bg) center/cover no-repeat}.final-cta h2{color:#fff}.final-cta p{color:#DCE6F2}
.big-phone{font-family:Montserrat,Arial,sans-serif;font-weight:800;font-size:clamp(2rem,5vw,3rem);margin:.15em 0 .3em}.big-phone a{color:var(--gold);text-decoration:none}.big-phone.dark a{color:var(--navy)}
/* tables, chips, faq */
.tbl{width:100%;border-collapse:collapse;margin:1em 0;background:#fff;border-radius:12px;overflow:hidden;box-shadow:var(--sh);font-size:.96rem}
.tbl th,.tbl td{padding:13px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}.tbl thead th{background:var(--navy);color:#fff}
.tbl.snap th{width:42%;background:var(--soft);color:var(--navy);font-weight:600}.tbl caption{font-family:Montserrat,Arial,sans-serif;font-weight:700;color:var(--navy);text-align:left;padding:0 0 8px}
.chips{display:flex;flex-wrap:wrap;justify-content:center;gap:10px;list-style:none;padding:0;margin:0 0 20px}.chips li{background:#fff;border:1px solid var(--line);border-radius:999px;font-size:.92rem;font-weight:600;color:var(--navy)}
.chips li:not(:has(a)){padding:8px 16px}.chips a{display:block;padding:8px 16px;text-decoration:none;color:var(--navy);border-radius:999px}.chips a:hover{background:var(--navy);color:#fff}
.small-h{font-size:1rem;margin-top:26px}
.tip{background:#FFF7E3;border:1px solid #FFE2A0;border-radius:12px;padding:16px 18px;margin:1.2em 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:10px 0;box-shadow:0 2px 8px rgba(10,37,64,.04)}
.faq summary{cursor:pointer;padding:17px 50px 17px 20px;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:20px;top:12px;font-size:1.6rem;color:var(--blue)}.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 20px 8px;color:var(--muted)}
.article h2{margin-top:1.6em}.article h3{margin-top:1.2em}.article figure{margin:1em 0 1.5em}
.byline{color:var(--muted);font-size:.95rem}
.updated{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);padding-top:14px;margin-top:28px}
.author-box{display:flex;gap:16px;align-items:flex-start;background:var(--soft);border-radius:var(--r);padding:20px;margin:2em 0}.author-box img{border-radius:50%;flex:none;background:#fff}.author-box p{margin:0 0 .4em}
.related{padding-left:1.2em}.related li{margin:.4em 0}.center-list{max-width:780px;margin:22px auto 0}
.sources li{margin:.3em 0}
.review{padding:24px;margin:0}.stars{color:var(--gold);letter-spacing:2px;font-size:1.1rem}.review footer{color:var(--muted);font-size:.9rem;margin-top:8px}
/* footer */
.site-footer{background:#071B30;color:#C3D0DF;padding:60px 0 96px;font-size:.93rem}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:var(--gold);text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:32px}.flogo{width:260px;margin-bottom:14px}.fh{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:.4em 0}.site-footer address{font-style:normal;color:#C3D0DF}
.f-phone{font-family:Montserrat,Arial,sans-serif;font-size:1.4rem;font-weight:800}.f-phone a{color:var(--gold)}
.fbottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px;border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:.86rem}.fbottom p{margin:0}
.float-call{position:fixed;right:22px;bottom:22px;z-index:70;display:flex;align-items:center;gap:10px;background:var(--gold);color:var(--navy);text-decoration:none;padding:12px 20px 12px 12px;border-radius:999px;box-shadow:0 12px 30px rgba(10,37,64,.3);font-family:Montserrat,Arial,sans-serif;opacity:0;transform:translateY(20px);pointer-events:none;transition:opacity .25s,transform .25s}
.float-call.show{opacity:1;transform:none;pointer-events:auto}.float-call small{display:block;font-size:.72rem;font-weight:700}.float-call b{font-size:1.04rem}.float-call .ico{width:34px;height:34px;background:var(--navy);border-radius:50%;padding:7px;fill:var(--gold)}
.sticky-call{display:none}
/* responsive */
@media (max-width:1100px){.g4,.gallery{grid-template-columns:repeat(2,1fr)}.process{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}.hdr-phone small{display:none}nav a{padding:10px 8px;font-size:.9rem}.logo img{width:210px}}
@media (max-width:900px){
 .hero-grid,.two{grid-template-columns:1fr;gap:32px}.g3,.g2{grid-template-columns:1fr}.sgrid{grid-template-columns:repeat(2,1fr)}
 .menu-btn{display:block;margin-left:auto}nav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 10px 20px rgba(10,37,64,.1);display:none;margin:0}nav.open{display:block}nav ul{flex-direction:column;padding:10px 16px}nav a{padding:12px 10px;font-size:1rem}
 .hdr-phone{display:none}.tb-right{display:none}
 .sticky-call{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;padding:10px 12px;background:rgba(255,255,255,.97);box-shadow:0 -4px 16px rgba(0,0,0,.12)}.sticky-call .btn{width:100%}
 .float-call{display:none}.sec{padding:54px 0}.cols2{columns:1}.hero{padding:48px 0 56px}
 .cta-box{flex-direction:column;align-items:flex-start}.cb-t{flex:none}.cta-box .btn,.cta-inline .btn{width:100%}
 .stack{padding:0 0 40px 30px}.tall{aspect-ratio:4/3}
}
@media (max-width:560px){.g4,.gallery,.process{grid-template-columns:1fr}.gallery img{aspect-ratio:4/3}.fgrid{grid-template-columns:1fr}.btn{padding:13px 20px;font-size:.98rem}.logo img{width:180px}body{font-size:16px}.em-list{grid-template-columns:1fr}.hero-cta .btn{width:100%}}