:root{
  --navy:#12183a;
  --indigo:#1a237e;
  --indigo-mid:#283593;
  --indigo-soft:#3949ab;
  --coral:#ff8a3d;
  --coral-hover:#ff9d5c;
  --coral-ink:#c45a12;
  --sand:#f7f1e8;
  --paper:#fffcf7;
  --ink:#1a1a22;
  --muted:#5c5868;
  --line:#ddd6cb;
  --focus:#5c6bc0;
  --danger:#b71c1c;
  --ok:#1b5e20;
  --shadow:0 12px 28px #12183a18;
  --radius:14px;
  --max:1100px;
  --font:"IBM Plex Sans", "Segoe UI", system-ui, -apple-system, sans-serif;
  --display:"Fraunces", "Iowan Old Style", Georgia, serif;
}
*,:before,:after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--font);color:var(--ink);background:var(--paper);min-height:100vh;margin:0;line-height:1.65}
img,svg{max-width:100%;display:block}
a{color:var(--indigo-mid);text-underline-offset:.15em}
a:hover{color:var(--coral-ink)}
:focus-visible{outline:3px solid var(--focus);outline-offset:2px}
.skip-link{background:var(--coral);color:var(--navy);z-index:100;border-radius:6px;padding:.5rem .85rem;font-weight:700;text-decoration:none;position:absolute;top:-3rem;left:.75rem}
.skip-link:focus{top:.75rem}
.wrap{width:min(var(--max), calc(100% - 2rem));margin-inline:auto}
.site-header{background:var(--navy);color:#fff;z-index:40;border-bottom:3px solid var(--coral);position:sticky;top:0}
.header-inner{justify-content:space-between;align-items:center;gap:1rem;min-height:4.35rem;display:flex}
.wordmark{color:#fff;align-items:center;gap:.75rem;min-width:0;text-decoration:none;display:flex}
.wordmark:hover{color:#fff}
.mark{background:var(--coral);border-radius:10px;flex:0 0 40px;place-items:center;width:40px;height:40px;display:grid}
.mark svg{width:24px;height:24px}
.lockup{flex-direction:column;line-height:1.05;display:flex}
.lockup-main{font-family:var(--display);letter-spacing:-.01em;font-size:1.02rem;font-weight:700}
.lockup-main span{color:var(--coral)}
.lockup-sub{letter-spacing:.12em;text-transform:uppercase;color:#c5cae9;font-size:.66rem;font-weight:600}
.nav-toggle{color:#fff;font:inherit;background:0 0;border:1px solid #ffffff55;border-radius:8px;min-height:44px;padding:.45rem .7rem;font-weight:700;display:none}
.nav{align-items:center;gap:1.1rem;display:flex}
.nav a{color:#fff;align-items:center;min-height:44px;padding:.5rem .15rem;font-size:.94rem;font-weight:600;text-decoration:none;display:inline-flex}
.nav a:hover,.nav a[aria-current=page]{color:var(--coral)}
.btn{background:var(--coral);color:var(--navy);cursor:pointer;border:0;border-radius:999px;justify-content:center;align-items:center;gap:.4rem;min-height:44px;padding:.75rem 1.25rem;font-family:inherit;font-size:.95rem;font-weight:800;text-decoration:none;display:inline-flex}
.btn:hover{background:var(--coral-hover);color:var(--navy)}
.btn-navy{background:var(--indigo);color:#fff;border-radius:999px}
.btn-navy:hover{background:var(--indigo-soft);color:#fff}
.btn-ghost{background:transparent;color:#fff;border:2px solid #ffffffb3;border-radius:999px}
.btn-ghost:hover{background:#ffffff1a;color:#fff;border-color:#fff}
.hero{color:#fff;background:
  radial-gradient(ellipse 80% 60% at 85% 15%,#ff8a3d33,transparent 55%),
  linear-gradient(145deg,#0d1240 0%,#1a237e 52%,#283593 100%);
  padding:4rem 0 3.4rem}
.hero.plain{background:linear-gradient(145deg,var(--navy),var(--indigo-mid))}
.hero-split{display:grid;grid-template-columns:1.15fr .85fr;gap:2rem;align-items:center}
.kicker{background:var(--coral);color:var(--navy);letter-spacing:.08em;text-transform:uppercase;border-radius:999px;margin-bottom:1rem;padding:.3rem .7rem;font-size:.72rem;font-weight:800;display:inline-block}
h1{font-family:var(--display);margin:0 0 1rem;font-size:clamp(1.85rem,4vw,2.85rem);font-weight:700;line-height:1.12;letter-spacing:-.02em}
.hero h1{max-width:22ch}
.hero .lead{color:#dce0f5;max-width:40rem;font-size:1.1rem}
.hero-actions{flex-wrap:wrap;gap:.75rem;margin-top:1.5rem;display:flex}
.hero-panel{background:#ffffff12;border:1px solid #ffffff28;border-radius:16px;padding:1.25rem 1.35rem;backdrop-filter:blur(6px)}
.hero-panel h2{font-family:var(--display);font-size:1.15rem;margin:0 0 .7rem;color:#fff}
.hero-panel ol{margin:0;padding-left:1.15rem;color:#dce0f5}
.hero-panel li{margin:.35rem 0}
.section{padding:3.2rem 0}
.section-sand{background:var(--sand)}
.section h2,.prose h2{font-family:var(--display);margin:0 0 .55rem;font-size:clamp(1.45rem,2.8vw,1.95rem);letter-spacing:-.015em}
.lede{color:var(--muted);max-width:46rem;margin:0 0 1.5rem}
.grid{gap:1rem;display:grid}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);color:inherit;height:100%;padding:1.25rem 1.3rem 1.35rem;text-decoration:none;display:block;border-top:4px solid var(--coral)}
a.card:hover{border-color:var(--indigo-mid);border-top-color:var(--indigo-mid);color:inherit;transform:translateY(-2px)}
.card h3{font-family:var(--display);margin:0 0 .4rem;font-size:1.12rem}
.card p{color:var(--muted);margin:0;font-size:.95rem}
.card .more{color:var(--indigo-mid);margin-top:.75rem;font-weight:700;display:inline-block}
.chip-row{flex-wrap:wrap;gap:.5rem;margin:1rem 0 0;display:flex}
.chip{background:#e8eaf6;color:var(--indigo);border-radius:999px;padding:.35rem .75rem;font-size:.88rem;font-weight:700;text-decoration:none}
.chip:hover{background:var(--coral);color:var(--navy)}
.prose{max-width:46rem}
.prose p{margin:0 0 1rem}
.prose h2{margin-top:1.9rem}
.prose h3{font-family:var(--display);margin:1.5rem 0 .45rem}
.prose ul,.prose ol{margin:0 0 1rem;padding-left:1.2rem}
.factor-list{margin:1.2rem 0;padding:0;list-style:none;display:grid;gap:.65rem}
.factor-list li{background:var(--sand);border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem .95rem 1.1rem;border-left:4px solid var(--indigo)}
.factor-list strong{color:var(--indigo);display:block;margin-bottom:.15rem}
.note{border-left:4px solid var(--coral);background:#fff3e8;border-radius:0 12px 12px 0;margin:1.3rem 0;padding:1rem 1.1rem}
.note h2,.note h3{font-size:1.05rem;font-family:var(--display);margin:0 0 .35rem}
.faq details,.prose details{border:1px solid var(--line);background:#fff;border-radius:12px;margin-bottom:.55rem;padding:.85rem 1rem}
.faq summary,.prose summary{cursor:pointer;color:var(--indigo);font-weight:700}
.faq details p,.prose details p{color:var(--muted);margin:.55rem 0 .1rem}
.cta-band{background:var(--indigo);color:#fff;padding:2.3rem 0;border-radius:var(--radius)}
.cta-band h2{color:#fff;font-family:var(--display);margin:0 0 .4rem}
.cta-band p{color:#c5cae9;max-width:38rem;margin:0 0 1rem}
.wrap.cta-band{padding:2rem 1.4rem}
.site-footer{background:var(--navy);color:#b0b6d4;padding:2.5rem 0 1.35rem;font-size:.92rem}
.site-footer a{color:#e8eaf6;text-decoration:none}
.site-footer a:hover{color:var(--coral)}
.footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr;gap:1.5rem;margin-bottom:1.5rem;display:grid}
.site-footer h2{color:#fff;letter-spacing:.08em;text-transform:uppercase;margin:0 0 .65rem;font-size:.8rem}
.site-footer ul{margin:0;padding:0;list-style:none}
.site-footer li{margin:.3rem 0}
.legal{color:#8a90b0;border-top:1px solid #ffffff1a;padding-top:1rem;font-size:.82rem}
.legal p{margin:0 0 .4rem}
label{margin:0 0 .3rem;font-weight:700;display:block}
input,select,textarea{width:100%;font:inherit;min-height:44px;color:var(--ink);background:#fff;border:1px solid #b8b4c4;border-radius:10px;padding:.7rem .75rem}
textarea{resize:vertical;min-height:6.5rem}
.field{margin-bottom:1rem}
.hint{color:var(--muted);margin-top:.2rem;font-size:.85rem;font-weight:500;display:block}
.form-grid{grid-template-columns:1fr 1fr;gap:0 1rem;display:grid}
.check{align-items:flex-start;gap:.6rem;font-weight:600;display:flex}
.check input{width:auto;min-width:1.15rem;min-height:1.15rem;margin-top:.25rem}
.form-status[hidden]{display:none}
.form-status.ok{color:var(--ok);font-weight:700}
.form-status.err{color:var(--danger);font-weight:700}
.hp-field{width:1px;height:1px;position:absolute;top:auto;left:-10000px;overflow:hidden}
.visually-hidden{clip:rect(0,0,0,0);white-space:nowrap;border:0;width:1px;height:1px;margin:-1px;padding:0;position:absolute;overflow:hidden}
.crumbs{margin:0 0 1rem}
.crumbs ol{flex-wrap:wrap;gap:.35rem .5rem;margin:0;padding:0;font-size:.9rem;list-style:none;display:flex}
.crumbs li{align-items:center;gap:.5rem;display:inline-flex}
.crumbs li:not(:last-child):after{content:"/";color:#9fa8da}
.hero .crumbs a{color:#dce0f5}
.hero .crumbs span{color:var(--coral)}
.city-list{flex-wrap:wrap;gap:.45rem;margin:0 0 1.3rem;padding:0;list-style:none;display:flex}
.city-list li a,.city-list a{background:var(--sand);border:1px solid var(--line);color:var(--indigo);border-radius:999px;padding:.28rem .75rem;font-size:.9rem;font-weight:600;text-decoration:none;display:inline-block}
.city-list li a:hover,.city-list a:hover{background:var(--coral);color:var(--navy);border-color:var(--coral)}
.state-grid{grid-template-columns:repeat(3,minmax(0,1fr));gap:.85rem;margin:0;padding:0;list-style:none;display:grid}
.state-grid a{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);color:inherit;height:100%;padding:1rem 1.1rem;text-decoration:none;display:flex;flex-direction:column;gap:.25rem;font-weight:700;border-left:5px solid var(--coral)}
.state-grid a:hover{border-color:var(--indigo);border-left-color:var(--indigo);color:inherit}
.state-grid span{color:var(--muted);font-size:.9rem;font-weight:600}
.city-jump{flex-wrap:wrap;gap:.35rem .75rem;margin:0 0 1.2rem;display:flex;font-weight:700}
.city-group{margin:0 0 1.35rem}
.city-group h3{font-family:var(--display);margin:0 0 .5rem;font-size:1.2rem}
.cta-inline{margin-top:1.4rem}
.metro-grid{grid-template-columns:repeat(2,1fr);gap:1rem;display:grid}
.quote-need{display:grid;grid-template-columns:repeat(3,1fr);gap:.85rem;margin:1.2rem 0}
.quote-need div{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem;box-shadow:var(--shadow)}
.quote-need strong{display:block;font-family:var(--display);color:var(--indigo);margin-bottom:.25rem}
@media (width<=900px){
  .grid-3,.footer-grid,.state-grid,.hero-split,.metro-grid,.quote-need{grid-template-columns:1fr 1fr}
  .nav-toggle{display:inline-flex}
  .nav{background:var(--navy);flex-direction:column;align-items:flex-start;gap:.8rem;padding:1rem 1.2rem 1.2rem;display:none;position:absolute;top:100%;left:0;right:0}
  .nav.open{display:flex}
}
@media (width<=640px){
  .grid-3,.grid-2,.footer-grid,.state-grid,.form-grid,.hero-split,.metro-grid,.quote-need{grid-template-columns:1fr}
  .lockup-main{font-size:.9rem}
  .hero{padding:2.8rem 0 2.2rem}
}
@media (prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  a.card:hover{transform:none}
}