:root{
  --navy:#0f2a43;--navy-2:#1d4466;--ink:#14202b;--muted:#4a5866;--line:#d5dce3;
  --bg:#fff;--bg-soft:#f3f6f9;--accent:#c2410c;--accent-dark:#9a3412;--ok:#14532d;--err:#b91c1c;
  --radius:10px;--shadow:0 1px 2px rgba(15,42,67,.08),0 4px 16px rgba(15,42,67,.06);
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font:18px/1.6 var(--font);color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;height:auto}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 16px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.9rem,6vw,2.9rem);letter-spacing:-.02em}
h2{font-size:clamp(1.45rem,4vw,2rem);letter-spacing:-.01em}
h3{font-size:1.2rem}
p,ul,ol,table,details{margin:0 0 1em}
a{color:var(--navy-2);text-underline-offset:2px}
a:hover{color:var(--accent-dark)}
:focus-visible{outline:3px solid #1d4ed8;outline-offset:2px;border-radius:3px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:.75rem 1rem;z-index:100}
.skip:focus{left:8px;top:8px}
/* header */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:relative;z-index:10}
.header-row{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;min-height:60px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);min-width:0}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-text strong{font-size:1.1rem;white-space:nowrap}
.site-header .header-cta{display:none;white-space:nowrap}
.nav-toggle{display:none;align-items:center;gap:10px;min-height:44px;padding:0 14px;background:#fff;color:var(--navy);border:2px solid var(--navy);border-radius:var(--radius);font:inherit;font-size:1rem;font-weight:700;cursor:pointer}
.nav-toggle:hover{background:var(--bg-soft)}
.nav-bars,.nav-bars::before,.nav-bars::after{display:block;width:20px;height:2px;background:currentColor;border-radius:2px;position:relative;transition:transform .15s,background .15s}
.nav-bars::before,.nav-bars::after{content:"";position:absolute;left:0}
.nav-bars::before{top:-6px}.nav-bars::after{top:6px}
.nav-open .nav-bars{background:transparent}
.nav-open .nav-bars::before{top:0;transform:rotate(45deg)}
.nav-open .nav-bars::after{top:0;transform:rotate(-45deg)}
.main-nav .wrap{padding-top:0;padding-bottom:0}
.main-nav ul{list-style:none;display:flex;flex-wrap:wrap;gap:2px 4px;margin:0;padding:0 0 8px}
.main-nav a{display:inline-block;padding:10px 10px;font-size:.95rem;text-decoration:none;color:var(--ink);border-radius:6px;min-height:44px}
.main-nav a:hover,.main-nav a[aria-current="page"]{background:var(--bg-soft);color:var(--navy);font-weight:600}
@media (max-width:719.98px){
  .js .nav-toggle{display:inline-flex}
  .js .main-nav{display:none;border-top:1px solid var(--line)}
  .js .nav-open .main-nav{display:block}
  .js .main-nav ul{flex-direction:column;flex-wrap:nowrap;gap:0;padding:6px 0 10px}
  .js .main-nav li+li{border-top:1px solid var(--line)}
  .js .main-nav a{display:flex;align-items:center;width:100%;min-height:52px;padding:12px 6px;font-size:1.05rem;border-radius:0}
}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--accent);color:#fff;font-weight:700;font-size:1.05rem;text-decoration:none;border:0;border-radius:var(--radius);padding:14px 22px;min-height:48px;cursor:pointer;font-family:inherit;box-shadow:var(--shadow)}
.btn:hover{background:var(--accent-dark);color:#fff}
.btn-sm{font-size:.95rem;padding:10px 16px;min-height:44px}
.btn-lg{font-size:1.15rem;padding:16px 28px}
.btn-block{display:flex;width:100%}
.btn[disabled]{background:#6b7280;cursor:not-allowed}
.btn-secondary{background:#fff;color:var(--navy);border:2px solid var(--navy);box-shadow:none}
.btn-secondary:hover{background:var(--bg-soft);color:var(--navy)}
/* hero */
.hero{background:linear-gradient(180deg,var(--bg-soft),#fff);padding:28px 0 36px}
.hero-grid{display:grid;gap:24px;align-items:center}
.eyebrow{display:inline-block;font-size:.85rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:var(--accent-dark);margin-bottom:8px}
.lead{font-size:1.2rem;color:var(--muted);max-width:40em}
.hero-art{width:100%;max-width:520px;justify-self:center}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center;margin:20px 0 14px}
.start-form{display:grid;gap:10px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:16px;box-shadow:var(--shadow);margin-top:18px}
.start-form h2{font-size:1.1rem;margin:0}
.start-row{display:grid;gap:10px;grid-template-columns:1fr 1fr}
/* sections */
section{padding:36px 0}
.alt{background:var(--bg-soft)}
.grid{display:grid;gap:16px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.card h3{margin-bottom:.35em}
.card p:last-child{margin-bottom:0}
.steps{list-style:none;padding:0;counter-reset:s;display:grid;gap:16px}
.steps li{counter-increment:s;position:relative;padding-left:56px}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;display:grid;place-items:center}
.steps h3{margin-bottom:.15em}
.checklist{list-style:none;padding:0}
.checklist li{padding-left:30px;position:relative;margin-bottom:.5em}
.checklist li::before{content:"";position:absolute;left:0;top:.45em;width:16px;height:9px;border-left:3px solid var(--ok);border-bottom:3px solid var(--ok);transform:rotate(-45deg)}
.warnlist{list-style:none;padding:0}
.warnlist li{padding-left:30px;position:relative;margin-bottom:.5em}
.warnlist li::before{content:"!";position:absolute;left:0;top:.1em;width:20px;height:20px;border-radius:50%;background:var(--accent-dark);color:#fff;font-size:.8rem;font-weight:700;display:grid;place-items:center}
.cta-band{background:var(--navy);color:#fff;padding:32px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#e2e8f0}
.cta-band-inner{display:grid;gap:16px;align-items:center}
.cta-band .btn{background:#fff;color:var(--navy)}
.cta-band .btn:hover{background:#e2e8f0;color:var(--navy)}
/* tables */
.table-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{border-collapse:collapse;width:100%;font-size:.95rem}
caption{text-align:left;font-weight:700;padding-bottom:8px;color:var(--navy)}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff}
tbody th{background:var(--bg-soft);min-width:6.5rem;width:26%}
/* faq */
details{border:1px solid var(--line);border-radius:8px;background:#fff;padding:0}
summary{cursor:pointer;font-weight:600;padding:14px 16px;min-height:44px;color:var(--navy)}
details[open] summary{border-bottom:1px solid var(--line)}
details>div{padding:12px 16px}
details>div p:last-child{margin:0}
/* breadcrumbs */
.crumbs{font-size:.9rem;padding-top:12px;color:var(--muted)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:4px 8px;padding:0;margin:0}
.crumbs li+li::before{content:"/";margin-right:8px;color:#8794a1}
.page-head{padding-top:12px;padding-bottom:8px}
.prose{max-width:1080px}
.prose>*{max-width:46rem}
.prose>.table-wrap{max-width:100%}
.prose h2{margin-top:1.6em}
.callout{border-left:4px solid var(--accent);background:#fff7ed;padding:12px 16px;border-radius:6px;margin:1.2em 0}
.sources{font-size:.92rem;color:var(--muted)}
.sources li{margin-bottom:.4em}
.updated{font-size:.88rem;color:var(--muted)}
/* forms */
.form{display:grid;gap:18px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:18px;box-shadow:var(--shadow)}
.field{display:grid;gap:6px}
.field label,.field legend{font-weight:600}
.hint{font-size:.88rem;color:var(--muted);font-weight:400}
input[type=text],input[type=tel],input[type=email],select,textarea{font:inherit;color:var(--ink);width:100%;min-height:48px;padding:10px 12px;border:2px solid #6b7785;border-radius:8px;background:#fff}
textarea{min-height:110px;resize:vertical}
input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid #1d4ed8;outline-offset:1px}
.field-error{color:var(--err);font-size:.92rem;font-weight:600;margin:0}
.invalid{border-color:var(--err)!important}
.two-col{display:grid;gap:18px}
.consent{display:grid;grid-template-columns:28px 1fr;gap:10px;align-items:start;background:var(--bg-soft);border:1px solid var(--line);border-radius:8px;padding:12px}
.consent input{width:24px;height:24px;margin:2px 0 0}
.consent label{font-weight:400;font-size:.95rem}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{border-radius:8px;padding:12px 14px;font-weight:600}
.form-status[hidden]{display:none}
.form-status.error{background:#fef2f2;border:1px solid var(--err);color:#7f1d1d}
.form-status.info{background:#eff6ff;border:1px solid #1d4ed8;color:#1e3a8a}
.notice{background:#fff7ed;border:1px solid #fdba74;border-radius:8px;padding:12px 14px;font-size:.95rem}
.todo{background:#fef08a;color:#422006;padding:0 4px}
/* footer */
.site-footer{background:#0b1f31;color:#cbd5e1;padding:28px 0 calc(96px + env(safe-area-inset-bottom));font-size:.92rem}
.site-footer a{color:#fff}
.footer-links{list-style:none;display:flex;flex-wrap:wrap;gap:6px 18px;padding:0}
.footer-links a{display:inline-block;padding:8px 0;min-height:44px}
.fine{font-size:.82rem;color:#9fb0c1;margin:0}
/* sticky mobile CTA */
.sticky-cta{position:fixed;left:0;right:0;bottom:0;padding:10px max(16px,env(safe-area-inset-right)) calc(10px + env(safe-area-inset-bottom)) max(16px,env(safe-area-inset-left));background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:20;transition:transform .2s ease,visibility .2s}
.sticky-cta.is-away{transform:translateY(100%);visibility:hidden}
.no-sticky .sticky-cta{display:none}
.no-sticky .site-footer{padding-bottom:28px}
@media (min-width:720px){
  .site-header .header-cta{display:inline-flex}
  .hero-grid{grid-template-columns:.95fr 1.05fr}
  .grid.cols-2{grid-template-columns:1fr 1fr}
  .grid.cols-3{grid-template-columns:repeat(3,1fr)}
  .grid.cols-4{grid-template-columns:repeat(4,1fr)}
  .cta-band-inner{grid-template-columns:1fr auto}
  .two-col{grid-template-columns:1fr 1fr}
  .sticky-cta{display:none}
  .site-footer{padding-bottom:28px}
  .steps{grid-template-columns:repeat(3,1fr)}
  .steps li{padding-left:0;padding-top:52px}
}
.flush,.prose .flush{margin:0}
fieldset.bare{border:0;padding:0;margin:0;min-width:0}
.hero-fig{margin:0;justify-self:center;max-width:520px;width:100%}
.hero-fig figcaption{font-size:.8rem;color:var(--muted);text-align:center;margin-top:6px}
.crumbs{max-width:1080px}
.media{margin:1.2em 0;max-width:560px}
.media picture,.media img{display:block;width:100%}
.media img{height:auto;border-radius:var(--radius);background:var(--bg-soft);box-shadow:var(--shadow)}
.media figcaption{font-size:.8rem;color:var(--muted);margin-top:6px}
.hero-media{justify-self:center;width:100%;max-width:600px}
.hero-media .media{margin:0;max-width:none}

/* concise referral attribution (replaces the boxed disclosure) */
.attribution{margin:12px 0 4px;font-size:.92rem;color:var(--muted)}
.attribution p{margin:0 0 2px}
.attr-main{color:var(--ink);font-weight:600}
.band-note{font-size:.88rem;color:#cbd5e1;margin:14px 0 0}
.band-note a{color:#fff}
.info{background:var(--bg-soft);border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin:14px 0;font-size:1rem}
.info p{margin:0 0 .5em}
.info p:last-child{margin:0}
.info strong{color:var(--navy)}

/* Phase 4B: offer-led hero, benefits, checklist printing */
.promise{font-size:clamp(1.3rem,4vw,1.7rem);font-weight:700;color:var(--navy);line-height:1.25;margin:0 0 .4em}
.benefits{list-style:none;padding:0;margin:0 0 6px;display:grid;gap:4px;font-weight:600}
.benefits li{padding-left:28px;position:relative}
.benefits li::before{content:"";position:absolute;left:2px;top:.45em;width:14px;height:8px;border-left:3px solid var(--ok);border-bottom:3px solid var(--ok);transform:rotate(-45deg)}
#personal ul{margin:.4em 0 0}
@media print{.site-header,.sticky-cta,.cta-band,.site-footer,#print-btn,.crumbs{display:none!important}body{font-size:14px}}

/* Phase 4C: comparison checklist */
.compare-names{display:grid;gap:12px;margin:0 0 18px}
.criterion{border:1px solid var(--line);border-radius:var(--radius);padding:14px 16px;margin:0 0 16px;background:#fff;break-inside:avoid}
.criterion legend{font-weight:700;color:var(--navy);padding:0 6px}
.criterion .look{margin:0 0 10px;font-size:.95rem;color:var(--muted)}
.cells{display:grid;gap:12px}
.cell label:not(.chk){display:block;font-weight:600;font-size:.9rem;margin-bottom:4px}
.cell textarea{width:100%;font:inherit;padding:8px 10px;border:1px solid #6b7785;border-radius:8px;min-height:72px}
.chk{display:flex;align-items:center;gap:8px;font-size:.9rem;min-height:44px}
.chk input{width:22px;height:22px}
@media (min-width:760px){.compare-names{grid-template-columns:repeat(3,1fr)}.cells{grid-template-columns:repeat(3,1fr)}}
@media print{.criterion{border-color:#999}.cell textarea{border:1px solid #999;min-height:60px}.compare-names input{border:1px solid #999}.hero,.page-head .btn{display:none}}
.header-cta{white-space:nowrap}
.ts-open{min-height:65px}
.site-notice{background:#fff7ed;border-bottom:1px solid #fdba74;color:#7c2d12;font-size:.95rem}
.site-notice p{margin:0;padding:10px 0}
.site-notice a{color:#7c2d12}
.closed-state{background:var(--bg-soft);border:1px solid var(--line);border-radius:10px;padding:16px 18px;margin:16px 0}
.closed-state h2{font-size:1.25rem;margin:0 0 .4em}
.closed-state p{margin:0 0 .6em}
[hidden]{display:none!important}

/* post-launch mobile hero: one clear action, plain-language support line, small print below */
.support-line{font-weight:600;color:var(--navy);margin:0 0 8px;font-size:1rem}
.hero-fine{font-size:.88rem;color:var(--muted);margin:0 0 6px}
.hero .lead{margin-bottom:0}
@media (max-width:719.98px){
  .hero{padding:18px 0 26px}
  .hero h1{font-size:clamp(1.65rem,7.2vw,2rem);margin-bottom:.35em}
  .promise{font-size:1.2rem}
  .lead{font-size:1.05rem;line-height:1.5}
  .hero-actions{display:grid;gap:8px;margin:16px 0 10px;justify-items:start}
  .hero-actions .btn{width:100%}
  .eyebrow{font-size:.78rem;margin-bottom:4px}
}
@media (max-width:379.98px){
  .header-row{gap:8px}
  .brand{gap:8px}
  .brand-text strong{white-space:normal;font-size:1rem;line-height:1.15}
  .nav-toggle{padding:0 10px;gap:8px}
}