:root{--cobalt:#2547E8;--cobalt-d:#1B36B8;--pink:#FF3D7F;--cta:#D6195F;--cta-d:#B8134F;--ink:#151726;--bg:#fff;--soft:#F3F5FF;--gray:#4F5470;--line:#E2E5F5;--white:#fff;--font-head:'Outfit',system-ui,sans-serif;--font-body:'Inter',system-ui,sans-serif;--radius:16px;--shadow:0 10px 30px rgba(21,23,38,.08);--shadow-lg:0 20px 44px rgba(21,23,38,.10);--trans:.2s ease}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-padding-top:90px}
body{font-family:var(--font-body);font-size:16px;color:var(--ink);background:var(--bg);line-height:1.65}
h1,h2,h3,h4{font-family:var(--font-head);letter-spacing:-.02em;line-height:1.15}
img{max-width:100%;height:auto;display:block}
a{color:var(--cobalt)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--ink);color:#fff;padding:10px 16px;z-index:10000}
.skip-link:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--cta);color:#fff;font-weight:700;font-size:16px;padding:15px 28px;text-decoration:none;border-radius:12px;box-shadow:0 10px 24px rgba(214,25,95,.28);border:0;cursor:pointer;transition:background var(--trans)}
.btn:hover{background:var(--cta-d)}
.btn.cobalt{background:var(--cobalt);box-shadow:0 10px 24px rgba(37,71,232,.28)}
.btn.cobalt:hover{background:var(--cobalt-d)}
.btn.ghost{background:#fff;color:var(--ink);border:2px solid var(--line);box-shadow:none}
.btn.ghost:hover{border-color:var(--cobalt);color:var(--cobalt)}
.btn.light{background:#fff;color:var(--cobalt-d);box-shadow:none}
.btn.small{font-size:14px;padding:11px 20px}
/* topbar + nav */
.topbar{background:var(--ink);color:#C9CCE2;font-size:13.5px;padding:9px 0}
.topbar-inner{display:flex;justify-content:space-between;gap:12px}
.topbar a{color:#fff;text-decoration:none}
.topbar b{color:#FF86B0}
header[role=banner]{position:sticky;top:0;z-index:200;background:#fff}
#site-nav{background:#fff;box-shadow:0 1px 0 var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:74px}
.logo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:800;font-size:21px;color:var(--ink);text-decoration:none;flex-shrink:1;min-width:0;white-space:nowrap}
.logo svg{flex:none;width:38px;height:38px}
.logo em{font-style:normal;color:var(--cobalt)}
.nav-links{display:flex;align-items:center;gap:1.35rem;list-style:none}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px}
.nav-links a:hover{color:var(--cobalt)}
.nav-links .btn{color:#fff}
.has-dropdown{position:relative}
.dropdown{position:absolute;top:100%;left:-12px;min-width:250px;padding:.4rem 0;margin:0;list-style:none;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);opacity:0;visibility:hidden;transform:translateY(-6px);transition:opacity var(--trans),visibility var(--trans),transform var(--trans);z-index:1000}
.has-dropdown:hover .dropdown,.has-dropdown:focus-within .dropdown{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown li{list-style:none}
.dropdown a{display:block;padding:.55rem 1rem;white-space:nowrap;font-weight:600}
.dropdown a:hover{background:var(--soft)}
.dd-arrow{font-size:11px}
.hamburger{display:none;flex-direction:column;justify-content:center;align-items:center;gap:5px;min-width:44px;min-height:44px;background:none;border:0;cursor:pointer;padding:.5rem}
.hamburger span{display:block;width:24px;height:2px;background:var(--ink);border-radius:2px;transition:transform var(--trans),opacity var(--trans)}
.hamburger[aria-expanded=true] span:nth-child(1){transform:rotate(45deg) translate(5px,5px)}
.hamburger[aria-expanded=true] span:nth-child(2){opacity:0}
.hamburger[aria-expanded=true] span:nth-child(3){transform:rotate(-45deg) translate(5px,-5px)}
.mob-drawer{position:fixed;top:0;right:0;bottom:0;width:min(330px,86vw);background:#fff;z-index:9999;transform:translateX(100%);transition:transform .3s ease;overflow-y:auto;padding:1.25rem 1.5rem}
.mob-drawer[hidden]{display:none!important}
.mob-drawer:not([hidden]){transform:translateX(0)}
.drawer-close{position:absolute;top:10px;right:10px;width:44px;height:44px;background:none;border:0;font-size:22px;cursor:pointer;color:var(--ink)}
.mob-drawer ul{list-style:none;margin:2.6rem 0 0}
.mob-drawer li{list-style:none}
.mob-drawer a{display:block;padding:.85rem 0;font-size:1.05rem;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none;font-weight:600}
.mob-drawer .drawer-cta{margin-top:1rem;background:var(--cta);color:#fff;text-align:center;border-radius:12px;border:0}
.mob-overlay{position:fixed;inset:0;background:rgba(21,23,38,.55);z-index:9998;opacity:0;visibility:hidden;transition:opacity var(--trans),visibility var(--trans)}
.mob-overlay.visible{opacity:1;visibility:visible}
/* hero */
.hero,.pagehead{position:relative;isolation:isolate;overflow:hidden;color:#fff;background:linear-gradient(120deg,#151726,#1B36B8)}
.hero{padding:84px 0}
.pagehead{padding:56px 0}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:-2}
.has-hero:before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(21,23,38,.88) 0%,rgba(21,23,38,.72) 48%,rgba(27,54,184,.5) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.pagehead-inner{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--cobalt-d);font-weight:700;font-size:13px;padding:8px 15px;border-radius:100px;margin-bottom:18px}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:var(--cta)}
.badge-alt{background:var(--cta);color:#fff}
.badge-alt:before{background:#fff}
.hero h1{font-size:clamp(2rem,4.8vw,3.4rem);margin-bottom:16px;color:#fff}
.hero h1 span{color:#FFB3CC}
.hero .lede{color:#E4E7FA;font-size:17.5px;max-width:520px}
.hero .lede+.lede{margin-top:12px}
.cta-row{display:flex;gap:14px;align-items:center;flex-wrap:wrap;margin:26px 0 22px}
.trustrow{display:flex;gap:20px;flex-wrap:wrap;color:#E4E7FA;font-size:13.5px;font-weight:600;list-style:none}
.trustrow li:before{content:"\2713\00a0";color:#FFB3CC;font-weight:800}
.panel{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:24px;padding:8px}
.panel-inner{background:var(--ink);border-radius:18px;padding:26px;color:#fff}
.panel-inner h2{font-size:18px;margin-bottom:14px}
.panel-inner ol{list-style:none;counter-reset:s}
.panel-inner li{counter-increment:s;padding:11px 0 11px 40px;position:relative;border-bottom:1px solid #2A2C42;font-size:14.5px;color:#D5D8EE}
.panel-inner li:last-child{border-bottom:0}
.panel-inner li:before{content:counter(s);position:absolute;left:0;top:10px;width:26px;height:26px;border-radius:50%;background:var(--cta);color:#fff;font-weight:800;font-size:13px;display:flex;align-items:center;justify-content:center}
.panel-inner b{display:block;color:#fff;font-family:var(--font-head)}
.crumb{color:#C9CDF0;font-size:13px;margin-bottom:12px}
.crumb a{color:#fff}
.pagehead h1{font-size:clamp(1.75rem,4vw,2.7rem);color:#fff;margin-bottom:12px}
.pagehead .lede{color:#E4E7FA;font-size:16.5px;max-width:640px}
.pagehead .lede+.lede{margin-top:10px}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap;list-style:none}
.chip{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);color:#fff;font-size:13px;font-weight:700;padding:7px 14px;border-radius:100px;list-style:none}
.chip:before{content:"\2713\00a0"}
.zips{display:flex;gap:8px;flex-wrap:wrap;margin-top:14px;list-style:none;align-items:center}
.zips-label{font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:#C9CDF0;font-weight:700}
.zip-chip{background:#fff;color:var(--cobalt-d);font-weight:800;font-size:13px;padding:6px 13px;border-radius:100px;list-style:none}
.herocall{background:#fff;color:var(--ink);border-radius:20px;padding:24px;text-align:center;min-width:250px;box-shadow:0 20px 44px rgba(0,0,0,.25)}
.herocall .lbl{color:var(--gray);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:700}
.herocall .num{font-family:var(--font-head);font-weight:800;font-size:26px;color:var(--cobalt);margin:6px 0 12px}
.strip{background:#fff;border-bottom:1px solid var(--line)}
.strip ul{display:flex;justify-content:space-between;padding:18px 24px;flex-wrap:wrap;gap:10px;list-style:none}
.strip li{font-weight:700;font-size:14px;display:flex;align-items:center;gap:9px}
.strip li:before{content:"";width:10px;height:10px;border-radius:3px;background:var(--cta)}
.emergency{background:linear-gradient(90deg,var(--cobalt),var(--cobalt-d));color:#fff;padding:24px 0}
.emergency .wrap{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:14px}
.emergency h2{font-size:24px}
.emergency p{font-size:14.5px;opacity:.9;max-width:640px}
/* sections */
.sec{padding:64px 0}
.sec.soft{background:var(--soft)}
.kick{color:var(--cobalt);font-weight:700;font-size:13px;letter-spacing:.1em;text-transform:uppercase}
.sec>.wrap>h2,.sec-title{font-size:clamp(1.5rem,3vw,2.3rem);margin:10px 0 30px}
.sec-lead{max-width:760px;color:var(--gray);margin:-14px 0 28px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{display:block;background:#fff;border:1px solid var(--line);border-top:4px solid var(--cobalt);border-radius:var(--radius);padding:26px;transition:var(--trans);text-decoration:none;color:var(--ink)}
.card:hover{box-shadow:var(--shadow-lg);transform:translateY(-4px)}
.card h3{font-size:19px;margin-bottom:8px}
.card p{font-size:14.5px;color:var(--gray);margin-bottom:12px}
.card .more{color:var(--cobalt);font-weight:700;font-size:14px}
.card.emg{border-top-color:var(--cta)}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.whycard{background:#fff;border-radius:20px;padding:24px;box-shadow:var(--shadow)}
.whycard .num{width:44px;height:44px;background:linear-gradient(135deg,var(--cobalt),var(--cta));color:#fff;border-radius:14px;display:flex;align-items:center;justify-content:center;font-family:var(--font-head);font-weight:800;font-size:18px;margin-bottom:14px}
.whycard h3{font-size:17px;margin-bottom:6px}
.whycard p{font-size:14px;color:var(--gray)}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(170px,1fr));gap:18px;margin-top:6px}
.step{text-align:left;padding:0}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--ink);color:#fff;font-family:var(--font-head);font-weight:800;font-size:18px;display:flex;align-items:center;justify-content:center;margin-bottom:12px}
.step h3{font-size:16.5px;margin-bottom:6px}
.step p{font-size:14px;color:var(--gray)}
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.areas a{background:#fff;border:1px solid var(--line);padding:16px 18px;border-radius:14px;color:var(--ink);text-decoration:none;font-weight:700;display:flex;justify-content:space-between;gap:10px}
.areas a:after{content:"\2192";color:var(--cta)}
.areas a:hover{border-color:var(--cta)}
.areas span{display:block;font-weight:400;font-size:13.5px;color:var(--gray)}
/* article cards */
.twocol{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:40px;align-items:start}
.twocol>article{display:grid;grid-template-columns:minmax(0,1fr);gap:22px;min-width:0}
.panel-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:36px 40px;box-shadow:var(--shadow)}
.panel-card h2{font-size:clamp(1.35rem,2.6vw,1.85rem);margin-bottom:14px}
.panel-card h2+*{margin-top:0}
.panel-card h3{font-size:17px;margin-bottom:5px}
main p+p{margin-top:14px}
.panel-card p{color:#272A3F}
.panel-card a{font-weight:600}
.callout-card{position:relative;overflow:hidden;background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:22px 26px 22px 30px;margin-top:18px}
.callout-card:before,.insight-card:before{content:"";position:absolute;top:0;left:0;bottom:0;width:6px;background:linear-gradient(180deg,var(--cobalt),var(--cta))}
.icon-list{list-style:none;display:grid;gap:12px}
.icon-list li{display:flex;gap:12px;align-items:flex-start;font-size:15.5px}
.icon-list .ico{flex:none;width:24px;height:24px;border-radius:50%;background:var(--cobalt);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13px;margin-top:2px}
.insight-card{position:relative;background:var(--soft);border:1px solid var(--line);border-radius:16px;padding:24px 28px 24px 32px;margin-top:18px}
.insight-card h3{color:var(--cobalt-d)}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:18px}
.sign{background:var(--soft);border-radius:14px;padding:18px 20px}
.sign h3{font-size:16.5px;margin-bottom:6px}
.sign p{font-size:14.5px;color:var(--gray);margin:0}
.table-wrap{overflow-x:auto;margin-top:16px;border:1px solid var(--line);border-radius:14px}
.table-wrap table{width:100%;border-collapse:collapse;font-size:14.5px;min-width:520px}
.table-wrap caption{caption-side:top;text-align:left;font-weight:700;padding:14px 16px;font-family:var(--font-head);background:var(--soft)}
.table-wrap th{background:var(--ink);color:#fff;text-align:left;padding:11px 14px;font-size:13.5px}
.table-wrap td{padding:11px 14px;border-top:1px solid var(--line);vertical-align:top;color:#272A3F}
.table-wrap tr:nth-child(even) td{background:#FAFBFF}
.costbox .factors{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
.factor{background:var(--soft);border-radius:14px;padding:15px 17px;font-size:14.5px;color:var(--gray)}
.factor b{display:block;font-family:var(--font-head);font-size:15px;color:var(--ink);margin-bottom:4px}
.costnote{margin-top:16px;font-size:14.5px;color:var(--gray)}
.costcall{display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap;margin-top:18px;padding:16px 18px;border-radius:14px;background:var(--ink);color:#fff;font-weight:600}
.prepcard{background:#FFF6F9;border:1px solid #F8CADB}
.prep-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:16px}
.prep{background:#fff;border:1px solid #F3C4D5;border-left:5px solid var(--cta);border-radius:12px;padding:16px 18px}
.prep h3{font-size:16px;color:var(--cta-d);margin-bottom:5px}
.prep p{font-size:14.5px;color:#4A3B43;margin:0}
.midcta{background:linear-gradient(90deg,var(--cobalt),var(--cobalt-d));border-radius:18px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap}
.midcta h2,.midcta h3{font-size:21px;color:#fff;margin:0 0 4px}
.midcta p{font-size:14.5px;color:#E4E7FA}
.faq-item{border-top:1px solid var(--line)}
.faq-item:first-of-type{border-top:0}
.faq-q{width:100%;text-align:left;background:none;border:0;padding:16px 36px 16px 0;font:700 16px var(--font-head);color:var(--ink);cursor:pointer;position:relative}
.faq-q:after{content:"+";position:absolute;right:4px;top:12px;font-size:24px;color:var(--cta);font-weight:500}
.faq-item.open .faq-q:after{content:"\2212"}
.faq-item h3{font-size:inherit}
.faq-answer{overflow:hidden}
.js .faq-answer{max-height:0;transition:max-height .3s ease}
.js .faq-item.open .faq-answer{max-height:900px}
.faq-answer p{padding:0 0 16px;color:#272A3F;font-size:15.5px}
.sidecard{position:sticky;top:96px;align-self:start;background:var(--ink);color:#fff;border-radius:20px;padding:26px}
.sidecard .kicker{display:inline-block;background:var(--cta);color:#fff;font-size:12px;font-weight:800;letter-spacing:.06em;text-transform:uppercase;padding:5px 11px;border-radius:100px;margin-bottom:12px}
.sidecard h3{font-size:20px;margin-bottom:6px}
.sidecard p{color:#C9CCE2;font-size:14.5px;margin-bottom:14px}
.sidecard .btn{width:100%}
.sidecard ul{list-style:none;margin-top:16px;border-top:1px solid #2A2C42;padding-top:12px}
.sidecard li{font-size:14.5px;padding:5px 0 5px 22px;position:relative}
.sidecard li:before{content:"\2713";position:absolute;left:0;color:#FF86B0;font-weight:800}
.sidecard .sidelink{display:block;margin-top:14px;color:#C6D0FF;font-weight:600;font-size:14px}
.localnote{border-left:6px solid var(--cobalt)}
.byline{color:#C9CDF0;font-size:13.5px;margin-top:12px}
.map-wrap{position:relative;padding-bottom:56.25%;height:0;border-radius:16px;overflow:hidden;border:1px solid var(--line);margin-top:16px}
.map-wrap iframe{position:absolute;inset:0;width:100%;height:100%;border:0}
.map-sec{padding:48px 0;background:var(--soft)}
.map-sec h2{font-size:clamp(1.4rem,3vw,2rem);margin-bottom:6px}
.map-sec p{color:var(--gray);max-width:700px}
.ctaband{background:linear-gradient(120deg,var(--ink),#232640);color:#fff;padding:56px 0;text-align:center}
.ctaband h2{font-size:clamp(1.6rem,3.4vw,2.4rem);margin-bottom:8px}
.ctaband p{opacity:.85;margin:0 auto 22px;max-width:620px}
.prose{max-width:820px}
.prose h2{font-size:1.5rem;margin:28px 0 10px}
.prose p{margin-top:12px}
.prose ul{margin:12px 0 0 22px}
footer{background:var(--ink);color:#C9CCE2;padding:52px 0 28px;font-size:14.5px}
footer .foot{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
footer h3{color:#fff;font-size:16px;margin-bottom:12px}
footer a{color:#C9CCE2;text-decoration:none;display:block;margin-bottom:8px}
footer a:hover{color:#fff}
footer p{margin-bottom:8px}
footer .flogo{display:flex;align-items:center;gap:10px;font-family:var(--font-head);font-weight:800;font-size:20px;color:#fff;margin-bottom:12px}
footer .flogo svg{width:36px;height:36px}
footer .flogo em{font-style:normal;color:#8FA0FF}
footer .copy{border-top:1px solid #2A2C42;margin-top:30px;padding-top:18px;font-size:13px}
.sticky-cta{position:fixed;z-index:8000;background:var(--cta);color:#fff;text-decoration:none;font-weight:800;display:flex;align-items:center;justify-content:center;gap:8px;bottom:22px;right:22px;width:56px;height:56px;border-radius:50%;box-shadow:0 10px 28px rgba(214,25,95,.45);font-size:0}
.sticky-cta svg{width:26px;height:26px;fill:#fff}
.notfound{padding:90px 0;text-align:center}
.notfound h1{font-size:3rem;margin-bottom:12px}
.pagelist{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px}
.pagelist li{list-style:none}
@media(max-width:1040px){.nav-links{gap:.9rem}.nav-links a{font-size:13.5px}}
@media(max-width:900px){.hero .wrap,.pagehead-inner,.twocol{grid-template-columns:minmax(0,1fr)}.cards,.why,.areas{grid-template-columns:1fr 1fr}.sidecard{position:static}footer .foot{grid-template-columns:1fr 1fr}.herocall{min-width:0;max-width:340px}}
@media(max-width:768px){.nav-links{display:none}.hamburger{display:flex}.topbar-left{display:none}.topbar-inner{justify-content:center}body{padding-bottom:64px}.sticky-cta{bottom:0;right:0;left:0;width:auto;height:58px;border-radius:0;font-size:17px;box-shadow:0 -6px 20px rgba(21,23,38,.25)}.sticky-cta svg{width:22px;height:22px}}
@media(max-width:640px){.cards,.why,.areas,.boxgrid,.prep-grid,.costbox .factors,.pagelist{grid-template-columns:1fr}.panel-card{padding:26px 20px;border-radius:16px}.wrap{padding:0 16px}.hero{padding:56px 0}footer .foot{grid-template-columns:1fr}.logo{font-size:18px}.logo svg{width:32px;height:32px}.strip ul{gap:8px}}

.gap{border:0;height:26px}
.topbar-right{white-space:nowrap}
.inline-call{margin-top:18px;font-weight:600}
.sources .plainlist li{padding:6px 0}.sources a{overflow-wrap:anywhere}
.panel-card,.icon-list li{overflow-wrap:anywhere}.icon-list li>span:last-child{min-width:0}
.logo img{height:54px;width:auto;max-width:100%;display:block}
footer .flogo img{width:40px;height:40px;border-radius:10px}
@media(max-width:640px){.logo img{height:44px}}