:root{--blue:#0A4DA2;--blue-d:#083A7A;--sky:#EEF5FD;--sun:#FFB81C;--sun-d:#E6A200;--ink:#12233B;--gray:#51637C;--line:#D9E4F1;--red:#D64545;--nav-breakpoint:768px}
*{margin:0;padding:0;box-sizing:border-box}
html{overflow-x:hidden}
body{font-family:'Source Sans 3',sans-serif;color:var(--ink);background:#fff;line-height:1.6;overflow-x:hidden}
h1,h2,h3,h4{font-family:'Figtree',sans-serif;letter-spacing:-.015em;line-height:1.12}
.skip-link{position:absolute;left:-999px;top:0;background:var(--blue);color:#fff;padding:10px 18px;z-index:999;border-radius:0 0 8px 0}
.skip-link:focus{left:0}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.btn{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:700;font-size:16px;padding:14px 28px;text-decoration:none;border-radius:8px;box-shadow:0 4px 14px rgba(255,184,28,.4)}
.btn:hover{background:var(--sun-d)}
.btn.blue{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.topbar{background:var(--blue-d);color:#BFD6F2;font-size:13.5px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;font-weight:500;flex-wrap:wrap;gap:6px}
.topbar b{color:var(--sun)}
nav.sitenav{background:#fff;box-shadow:0 2px 14px rgba(18,35,59,.07);position:relative;z-index:50}
nav.sitenav .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{font-family:'Figtree';font-weight:800;font-size:20px;color:var(--blue);text-decoration:none;display:flex;align-items:center;gap:10px;white-space:nowrap}
.logo .shield{width:38px;height:42px;background:var(--blue);clip-path:polygon(0 0,100% 0,100% 70%,50% 100%,0 70%);display:flex;align-items:center;justify-content:center;color:var(--sun);font-size:19px;flex-shrink:0}
.navlinks{display:flex;align-items:center;gap:6px}
.navlinks>a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;margin-left:16px;padding:8px 4px}
.navlinks>a:hover,.navlinks>a:focus{color:var(--blue)}
.navdrop{position:relative;margin-left:16px}
.navdrop>button{background:none;border:none;font:inherit;color:var(--ink);font-weight:600;font-size:14.5px;cursor:pointer;padding:8px 4px;display:flex;align-items:center;gap:5px;font-family:'Source Sans 3',sans-serif}
.navdrop>button:hover,.navdrop>button:focus-within{color:var(--blue)}
.navdrop .dropmenu{list-style:none;position:absolute;top:100%;left:0;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 20px 44px rgba(10,77,162,.16);min-width:260px;padding:8px;opacity:0;visibility:hidden;transform:translateY(-6px);transition:.15s;z-index:60}
.navdrop .dropmenu li{list-style:none}
.navdrop:hover .dropmenu,.navdrop:focus-within .dropmenu{opacity:1;visibility:visible;transform:translateY(0)}
.navdrop .dropmenu li a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:14px;font-weight:600}
.navdrop .dropmenu li a:hover{background:var(--sky);color:var(--blue)}
.hamburger{display:none;background:none;border:none;font-size:26px;color:var(--blue);cursor:pointer}
.mobilemenu.mobile-menu{display:none}
@media(max-width:var(--nav-breakpoint)){}
@media(max-width:768px){
  .navlinks{display:none}
  .hamburger{display:block}
  .mobilemenu.mobile-menu.open{display:block;position:fixed;inset:78px 0 0 0;background:#fff;overflow-y:auto;padding:20px 24px;z-index:100}
  .mobilemenu.mobile-menu a{display:block;padding:14px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:600;font-size:16px}
  .mobilemenu.mobile-menu .mm-heading{font-family:'Figtree';font-weight:800;font-size:12px;text-transform:uppercase;letter-spacing:.08em;color:var(--blue);margin-top:16px}
  .mobilemenu.mobile-menu .mm-call{margin-top:20px}
}
.hero{background:linear-gradient(160deg,var(--blue) 0%,var(--blue-d) 100%);color:#fff;padding:76px 0;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:480px;height:480px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center;position:relative;z-index:2}
.ribbon{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:18px}
.hero h1{font-size:clamp(28px,5vw,44px);margin-bottom:16px}
.hero p{color:#BFD6F2;font-size:18px;max-width:520px;margin-bottom:28px}
.cta-row{display:flex;gap:14px;align-items:center;flex-wrap:wrap}
.hotline{font-family:'Figtree';font-weight:800;font-size:24px}
.hotline small{display:block;font-family:'Source Sans 3';font-weight:500;font-size:12px;color:#BFD6F2;letter-spacing:.06em;text-transform:uppercase}
.gcard{background:#fff;color:var(--ink);border-radius:16px;padding:30px;box-shadow:0 30px 70px rgba(0,0,0,.25)}
.gcard .gtop{display:flex;gap:16px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:18px}
.gcard .gshield{width:56px;height:62px;background:var(--blue);clip-path:polygon(0 0,100% 0,100% 70%,50% 100%,0 70%);display:flex;align-items:center;justify-content:center;color:var(--sun);font-size:27px;flex-shrink:0}
.gcard h3{font-size:19px}
.gcard .gtop p{font-size:13.5px;color:var(--gray)}
.gitem{display:flex;gap:12px;align-items:flex-start;padding:9px 0;font-size:15px}
.gitem .ck{color:#fff;background:var(--blue);border-radius:50%;width:22px;height:22px;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0;margin-top:2px}
.gitem b{display:block;font-size:15px}
.gitem span{font-size:13.5px;color:var(--gray)}
.gcard .btn{width:100%;text-align:center;margin-top:14px}
.strip{background:var(--sky);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;align-items:center;padding:15px 24px;font-weight:600;font-size:14px;color:var(--blue-d);flex-wrap:wrap;gap:10px}
.strip span:before{content:"\2714 ";color:var(--blue)}
.sec{padding:76px 0}
.sec.alt{background:var(--sky)}
.kick{color:var(--blue);font-family:'Figtree';font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase}
.sec h2{font-size:32px;margin:10px 0 12px}
.sec .sub{color:var(--gray);font-size:16.5px;margin-bottom:34px;max-width:620px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;position:relative;overflow:hidden}
.card:hover{box-shadow:0 20px 44px rgba(10,77,162,.12)}
.card:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--blue)}
.card.hot:before{background:var(--sun)}
.card .badge{position:absolute;top:14px;right:14px;background:var(--red);color:#fff;font-size:11px;font-weight:700;padding:3px 9px;border-radius:100px;text-transform:uppercase}
.card .ic{width:52px;height:52px;background:var(--sky);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:25px;margin-bottom:16px}
.card h3{font-size:18px;margin-bottom:8px}
.card p{font-size:14px;color:var(--gray);margin-bottom:16px}
.card a{color:var(--blue);font-weight:700;font-size:14px;text-decoration:none}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps:before{content:"";position:absolute;top:33px;left:12%;right:12%;height:3px;background:var(--line)}
.step{text-align:center;padding:0 18px;position:relative}
.step .n{width:64px;height:64px;border-radius:50%;background:#fff;border:3px solid var(--blue);color:var(--blue);font-family:'Figtree';font-weight:800;font-size:23px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:14px;color:var(--gray)}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.areas a{background:#fff;border:1px solid var(--line);padding:14px 16px;border-radius:10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;display:flex;justify-content:space-between}
.areas a:after{content:"\2192";color:var(--blue)}
.areas a:hover{border-color:var(--blue);color:var(--blue)}
.ctaband{background:linear-gradient(160deg,var(--blue),var(--blue-d));color:#fff;padding:62px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:10px}
.ctaband p{color:#BFD6F2;font-size:16.5px;margin-bottom:24px}
footer.sitefooter{background:var(--ink);color:#8FA3BE;padding:50px 0 30px;font-size:14px}
footer.sitefooter .wrap{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer.sitefooter h3{color:#fff;font-family:'Figtree';font-size:15.5px;margin-bottom:12px}
footer.sitefooter a{color:#8FA3BE;text-decoration:none;display:block;margin-bottom:7px}
footer.sitefooter a:hover{color:var(--sun)}
footer.sitefooter .legal{margin-top:30px;padding-top:20px;border-top:1px solid #24374F;font-size:12.5px;color:#6C819C;grid-column:1/-1}
.pagehead{background:linear-gradient(160deg,var(--blue),var(--blue-d));color:#fff;padding:54px 0}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.crumb{color:#BFD6F2;font-size:13px;margin-bottom:12px}
.crumb a{color:var(--sun);text-decoration:none}
.pagehead h1{font-size:clamp(24px,4.5vw,36px);margin-bottom:12px}
.pagehead p{color:#BFD6F2;max-width:640px;font-size:16.5px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#fff;font-size:13px;font-weight:600;padding:7px 14px;border-radius:100px}
.chip:before{content:"\2714 ";color:var(--sun)}
.herocall{background:#fff;color:var(--ink);border-radius:16px;padding:22px;text-align:center;min-width:250px;box-shadow:0 24px 56px rgba(0,0,0,.25)}
.herocall .lbl{color:var(--gray);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.herocall .num{font-family:'Figtree';font-weight:800;font-size:23px;color:var(--blue);margin:6px 0 12px}
.twocol{display:grid;grid-template-columns:1fr 335px;gap:40px;align-items:start}
.sidecard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;position:sticky;top:20px;box-shadow:0 22px 50px rgba(10,77,162,.12)}
.sidecard .toprib{background:var(--sun);color:var(--ink);font-weight:700;font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;padding:5px 12px;border-radius:100px;display:inline-block;margin-bottom:12px}
.sidecard h3{font-size:19px;margin-bottom:6px}
.sidecard p{color:var(--gray);font-size:14px;margin-bottom:14px}
.sidecard .btn{display:block;text-align:center}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid var(--line);padding-top:12px}
.sidecard li{font-size:14px;padding:5px 0}
.sidecard li:before{content:"\2714 ";color:var(--blue);font-weight:700}
.sidecard .mini{margin-top:14px;background:var(--sky);border-radius:12px;padding:13px;font-size:12.5px;color:var(--gray)}
.sidecard .mini b{color:var(--blue-d)}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.sign{background:var(--sky);border-radius:12px;padding:20px;border-left:4px solid var(--blue)}
.sec.alt .sign{background:#fff}
.sign h3{font-size:16px;margin-bottom:5px}
.sign p{font-size:14px;color:var(--gray)}
.midcta{background:linear-gradient(160deg,var(--blue),var(--blue-d));border-radius:16px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:32px 0;flex-wrap:wrap}
.midcta h3{font-size:20px}
.midcta p{color:#BFD6F2;font-size:14.5px}
.faq div{border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin-bottom:10px;background:#fff}
.faq b{display:block;font-family:'Figtree';font-size:15.5px;margin-bottom:5px}
.faq p{font-size:14px;color:var(--gray)}
.rel{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--ink);position:relative;overflow:hidden}
.rel a:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.rel a:hover{box-shadow:0 14px 34px rgba(10,77,162,.14)}
.rel b{font-family:'Figtree';font-size:15.5px;display:block;margin-bottom:4px}
.rel span{font-size:13.5px;color:var(--gray)}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}
.zip{background:#fff;border:1px solid var(--line);border-radius:100px;padding:6px 13px;font-weight:700;font-size:13px;color:var(--blue)}
.sec.alt .zip{background:var(--sky);border:none}
.localgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.local{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;position:relative;overflow:hidden}
.local:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.local h3{font-size:17px;margin-bottom:5px}
.local p{font-size:14px;color:var(--gray);margin-bottom:10px}
.local a{color:var(--blue);font-weight:700;font-size:14px;text-decoration:none}
.mapwrap{border-radius:14px;overflow:hidden;border:1px solid var(--line);margin:20px 0}
.mapwrap iframe{width:100%;height:320px;border:0;display:block}
@media(max-width:900px){.hero .wrap,.twocol,.boxgrid,.localgrid,.steps4{grid-template-columns:1fr}.cards,.rel{grid-template-columns:1fr}.steps{grid-template-columns:1fr 1fr}.steps:before{display:none}.areas{grid-template-columns:1fr 1fr}.hero h1{font-size:32px}footer.sitefooter .wrap{grid-template-columns:1fr 1fr}.pagehead .wrap{grid-template-columns:1fr}.pagehead h1{font-size:28px}}
@media(max-width:480px){.areas{grid-template-columns:1fr}}
.mobile-cta-bar{display:none}
@media(max-width:768px){
  .mobile-cta-bar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:200;background:var(--blue-d);padding:10px 14px;box-shadow:0 -4px 16px rgba(0,0,0,.2)}
  .mobile-cta-bar a{flex:1;text-align:center;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:800;font-size:15px;padding:12px 10px;border-radius:8px;text-decoration:none}
  body{padding-bottom:64px}
}
.gcard-title{font-family:'Figtree',sans-serif;font-weight:700;font-size:19px;letter-spacing:-.015em;line-height:1.12;margin:0}
.steps4{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.stepc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;position:relative;overflow:hidden}
.sec.alt .stepc{border:none;box-shadow:0 8px 24px rgba(10,77,162,.07)}
.stepc:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.stepc .n{width:38px;height:38px;border-radius:50%;background:var(--sky);color:var(--blue);font-family:'Figtree';font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.stepc p{font-size:14px;color:var(--gray)}
.factors{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.factor{background:var(--sky);border-radius:12px;padding:16px;font-size:13.5px;color:var(--gray)}
.sec.alt .factor{background:#fff}
.factor b{display:block;font-family:'Figtree';font-size:14px;color:var(--ink);margin-bottom:3px}
@media(max-width:900px){.factors{grid-template-columns:1fr}}
footer.sitefooter .legal a{display:inline;color:#8FA3BE;text-decoration:underline;margin-bottom:0}
footer.sitefooter .legal a:hover{color:var(--sun)}
.logo-img{height:44px;width:auto;display:block}
.badge-alt{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:14px}
.zip-chip{background:#fff;color:var(--blue);font-weight:800;font-size:13px;padding:6px 13px;border-radius:100px;display:inline-block;margin-right:6px;margin-bottom:6px}
.ziprow{margin-top:10px}
.prep-note{margin-top:16px}
.legalwrap{max-width:820px}
.legalwrap h2{margin-top:28px}
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin:20px 0;border:1px solid var(--line);border-radius:12px}
.cmptable{width:100%;border-collapse:collapse;min-width:480px;font-size:14px}
.cmptable th{background:var(--sky);color:var(--blue-d);font-family:'Figtree';font-weight:700;text-align:left;padding:12px 16px;border-bottom:2px solid var(--line);white-space:nowrap}
.cmptable td{padding:12px 16px;border-bottom:1px solid var(--line);color:var(--ink);vertical-align:top}
.cmptable tr:last-child td{border-bottom:none}
.cmptable tr:nth-child(even) td{background:#FAFBFD}
.cmptable td:first-child,.cmptable th:first-child{font-weight:700;color:var(--blue-d);white-space:nowrap}