:root{--navy:#1d3253;--navy2:#25406b;--tan:#c8a45c;--tan2:#b08d3f;--ink:#22292f;--mut:#5b6570;--bg:#faf8f4;--line:#e6e0d4;--white:#fff}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,.btn,nav,.topbar,.crumb{font-family:'Segoe UI',Arial,Helvetica,sans-serif}
img{max-width:100%;display:block}
a{color:var(--navy)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.topbar{background:var(--navy);color:#fff;font-size:14px;padding:7px 0}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;gap:16px;flex-wrap:wrap}
.logo{text-decoration:none;color:var(--navy);font-weight:800;font-size:22px;letter-spacing:.3px;line-height:1.1}
.logo span{display:block;font-size:12px;color:var(--tan2);font-weight:600;letter-spacing:1.5px;text-transform:uppercase}
nav.main{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:15px}
nav.main a:hover{color:var(--tan2)}
.btn{display:inline-block;background:var(--tan);color:#fff!important;text-decoration:none;font-weight:700;padding:12px 22px;border-radius:6px;border:0;font-size:16px;cursor:pointer}
.btn:hover{background:var(--tan2)}
.btn.ghost{background:transparent;border:2px solid #fff}
.btn.navy{background:var(--navy)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;padding:64px 0 56px}
.hero h1{font-size:clamp(28px,4.5vw,44px);line-height:1.15;max-width:760px}
.hero p.lead{font-size:19px;max-width:680px;margin:18px 0 26px;color:#e8ecf4}
.hero .cta-row{display:flex;gap:14px;flex-wrap:wrap;align-items:center}
.hero .phone-big{font-size:26px;font-weight:800;color:#fff;text-decoration:none;font-family:'Segoe UI',Arial,sans-serif}
.trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:30px;font-size:14px;color:#d7deeb;font-family:'Segoe UI',Arial,sans-serif}
.trust b{color:#fff}
section{padding:52px 0}
section.alt{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{color:var(--navy);font-size:clamp(23px,3vw,31px);margin-bottom:16px;line-height:1.2}
h3{color:var(--navy);font-size:20px;margin:26px 0 8px}
p{margin-bottom:14px}
ul.checks{list-style:none;margin:12px 0 18px}
ul.checks li{padding-left:28px;position:relative;margin-bottom:9px}
ul.checks li:before{content:"✓";position:absolute;left:0;color:var(--tan2);font-weight:800}
.grid{display:grid;gap:22px}
.grid.c3{grid-template-columns:repeat(auto-fit,minmax(270px,1fr))}
.grid.c2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.card{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:24px}
.card h3{margin-top:0}
.card .more{font-weight:700;text-decoration:none;font-family:'Segoe UI',Arial,sans-serif}
.ph{background:repeating-linear-gradient(45deg,#e9e2d2,#e9e2d2 12px,#f2ecdf 12px,#f2ecdf 24px);border:1px solid var(--line);border-radius:8px;display:flex;align-items:center;justify-content:center;color:#8a8060;font-family:'Segoe UI',Arial,sans-serif;font-size:14px;text-align:center;padding:10px;min-height:190px}
.quote{background:var(--white);border-left:4px solid var(--tan);padding:18px 20px;border-radius:0 8px 8px 0;margin-bottom:16px}
.quote p{font-style:italic;margin-bottom:8px}
.quote cite{font-style:normal;font-weight:700;color:var(--navy);font-family:'Segoe UI',Arial,sans-serif;font-size:14px}
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:46px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#dbe2ee;max-width:640px;margin:0 auto 22px}
.faq-item{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:20px 22px;margin-bottom:14px}
.faq-item h3{margin-top:0;font-size:18px}
.faq-item p:last-child{margin-bottom:0}
form.quote-form{background:var(--white);border:1px solid var(--line);border-radius:8px;padding:26px}
form.quote-form label{display:block;font-weight:700;font-size:14px;margin:14px 0 5px;font-family:'Segoe UI',Arial,sans-serif}
form.quote-form input,form.quote-form select,form.quote-form textarea{width:100%;padding:11px;border:1px solid #c9c2b2;border-radius:6px;font-size:16px;font-family:inherit;background:#fff}
form.quote-form button{margin-top:18px;width:100%}
table.simple{width:100%;border-collapse:collapse;margin:14px 0 20px;background:var(--white);font-size:16px}
table.simple th,table.simple td{border:1px solid var(--line);padding:10px 12px;text-align:left}
table.simple th{background:var(--navy);color:#fff;font-family:'Segoe UI',Arial,sans-serif;font-size:14px}
footer.site{background:var(--navy);color:#c9d2e2;padding:44px 0 26px;font-size:15px}
footer.site .grid{gap:30px}
footer.site h4{color:#fff;font-family:'Segoe UI',Arial,sans-serif;margin-bottom:10px}
footer.site a{color:#c9d2e2;text-decoration:none}
footer.site a:hover{color:#fff}
footer.site ul{list-style:none}
footer.site li{margin-bottom:7px}
.fineprint{border-top:1px solid #3a5078;margin-top:30px;padding-top:16px;font-size:13px;color:#93a1ba}
.crumb{font-size:13px;color:var(--mut);padding:14px 0 0}
.crumb a{color:var(--mut)}
.callout{background:#fdf6e8;border:1px solid #eadfc3;border-radius:8px;padding:18px 20px;margin:18px 0}
.sticky-call{display:none}
@media(max-width:640px){
 .sticky-call{display:block;position:fixed;bottom:0;left:0;right:0;background:var(--tan);text-align:center;padding:13px;z-index:99}
 .sticky-call a{color:#fff;font-weight:800;text-decoration:none;font-size:18px;font-family:'Segoe UI',Arial,sans-serif}
 body{padding-bottom:52px}
}