:root{
  --navy:#0B2545;--navy-2:#102f56;--teal:#0E7C7B;--teal-dark:#0a5e5d;
  --cta:#F97316;--cta-dark:#c2570b;--ink:#1a2433;--muted:#5b6b7f;
  --bg:#ffffff;--bg-soft:#f2f6f9;--line:#dfe7ee;--white:#fff;
  --radius:12px;--sp:4.5rem;--max:1140px;
  --shadow:0 8px 28px rgba(11,37,69,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{animation:none!important;transition:none!important}}
body{font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.65;background:var(--bg);font-size:17px}
a{color:var(--teal-dark)}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
/* Header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:12px}
.brand{color:#fff;text-decoration:none;font-weight:800;font-size:1.05rem;display:flex;align-items:center;gap:10px;line-height:1.2}
.brand svg{flex:none}
.brand small{display:block;font-weight:600;font-size:.72rem;color:#bcd7e8;letter-spacing:.02em}
.nav{display:none;gap:18px}
.nav a{color:#d6e6f2;text-decoration:none;font-weight:600;font-size:.95rem}
.nav a:hover{color:#fff}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:var(--radius);padding:14px 28px;font-size:1.05rem;line-height:1.2;border:2px solid transparent;cursor:pointer;text-align:center}
.btn-cta{background:var(--cta);color:#fff!important;box-shadow:0 6px 18px rgba(249,115,22,.35)}
.btn-cta:hover{background:var(--cta-dark)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{border-color:#fff}
.btn-outline{background:#fff;color:var(--navy);border-color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-sm{padding:10px 18px;font-size:.95rem}
.skip{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:8px 14px;z-index:99}
.skip:focus{left:8px;top:8px}
/* Hero - centered gradient */
.hero{background:linear-gradient(160deg,var(--navy) 0%,#133a6b 45%,var(--teal) 100%);color:#fff;text-align:center;padding:4rem 0 4.5rem}
.hero .kicker{display:inline-block;background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.3);padding:6px 16px;border-radius:999px;font-size:.85rem;font-weight:700;letter-spacing:.03em;margin-bottom:1rem}
.hero h1{font-size:2.1rem;line-height:1.15;margin:.4rem auto 1rem;max-width:22ch}
.hero p.lead{max-width:60ch;margin:0 auto 1.6rem;color:#e3eef7;font-size:1.1rem}
.hero-cta{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-bottom:1rem}
.hero-note{font-size:.9rem;color:#cfe2f0}
.hero-note a{color:#fff;font-weight:700}
/* Trust strip */
.trust{background:var(--navy-2);color:#dcebf7;border-top:1px solid rgba(255,255,255,.12)}
.trust ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:10px;padding:16px 20px;max-width:var(--max);margin:0 auto;font-size:.92rem;font-weight:600}
.trust li{display:flex;align-items:center;gap:8px}
/* Sections */
.section{padding:var(--sp) 0}
.section.alt{background:var(--bg-soft)}
.section h2{font-size:1.7rem;color:var(--navy);line-height:1.25;margin-bottom:.6rem;text-align:center}
.section .sub{color:var(--muted);text-align:center;max-width:62ch;margin:0 auto 2rem}
.grid{display:grid;gap:18px}
.cards-3{grid-template-columns:1fr}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 22px;box-shadow:var(--shadow)}
.card h3{font-size:1.12rem;color:var(--navy);margin:.7rem 0 .4rem}
.card p{font-size:.97rem;color:var(--muted)}
.card a.card-link{font-weight:700;color:var(--teal-dark)}
.icon{width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,var(--teal),var(--navy));display:flex;align-items:center;justify-content:center;flex:none}
/* Steps */
.steps{counter-reset:step;display:grid;gap:16px;margin-top:2rem}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;position:relative;box-shadow:var(--shadow)}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:-16px;left:20px;background:var(--cta);color:#fff;font-weight:800;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:1rem}
.step h3{color:var(--navy);margin-bottom:.3rem;font-size:1.08rem}
.step p{color:var(--muted);font-size:.96rem}
/* CTA band */
.cta-band{background:linear-gradient(120deg,var(--navy),var(--teal-dark));color:#fff;border-radius:var(--radius);padding:2.5rem 1.8rem;text-align:center;margin:0 20px;max-width:var(--max)}
.cta-band h2{color:#fff}
.cta-band p{color:#d9ecf7;margin:.6rem auto 1.4rem;max-width:56ch}
/* Cities */
.city-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;list-style:none;margin-top:1.5rem}
.city-grid a{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:12px 14px;text-decoration:none;color:var(--navy);font-weight:600;font-size:.95rem}
.city-grid a:hover{border-color:var(--teal);background:#f0faf9}
.city-grid span{color:var(--muted);font-weight:400;font-size:.82rem;display:block}
/* FAQ */
.faq{max-width:800px;margin:1.5rem auto 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:10px;padding:0;overflow:hidden}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--cta);flex:none}
.faq details[open] summary::after{content:"–"}
.faq .a,.faq details>p,.faq details>div:not(.a){padding:0 18px 18px;color:#3c4c60}
.faq details>div:not(.a)>p{margin-bottom:.6rem}
/* Breadcrumbs */
.crumbs{font-size:.86rem;color:var(--muted);padding:14px 0 0}
.crumbs a{color:var(--teal-dark)}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px}
.crumbs li+li::before{content:"›";margin-right:6px;color:#9fb2c4}
/* Prose */
.prose h2{color:var(--navy);margin:2.2rem 0 .6rem;font-size:1.45rem;text-align:left}
.prose h3{color:var(--navy-2);margin:1.4rem 0 .4rem;font-size:1.12rem}
.prose p,.prose li{color:#33465c}
.prose ul,.prose ol{padding-left:1.3rem;margin:.6rem 0 1rem}
.prose li{margin-bottom:.35rem}
.takeaways{background:#eef8f7;border:1px solid #bfe3e1;border-left:6px solid var(--teal);border-radius:var(--radius);padding:18px 20px;margin:1.5rem 0}
/* Footer */
footer{background:var(--navy);color:#c9d9e8;margin-top:0}
footer .cols{display:grid;gap:26px;padding:3rem 0 1.5rem}
footer h3{color:#fff;font-size:1rem;margin-bottom:.7rem}
footer a{color:#c9d9e8;text-decoration:none;font-size:.93rem}
footer a:hover{color:#fff;text-decoration:underline}
footer ul{list-style:none}
footer li{margin-bottom:.4rem}
.disclaimer{border-top:1px solid rgba(255,255,255,.15);padding:1.4rem 0;font-size:.8rem;color:#9fb4c9}
.disclaimer p{margin-bottom:.7rem}
.copyright{border-top:1px solid rgba(255,255,255,.15);padding:1rem 0 6.5rem;font-size:.82rem;color:#8ba2b8;text-align:center}
/* Mobile call bar */
.callbar{position:fixed;bottom:0;left:0;right:0;z-index:60;background:var(--cta);color:#fff;text-align:center;padding:12px 16px;font-weight:800;font-size:1.1rem;text-decoration:none;box-shadow:0 -4px 16px rgba(0,0,0,.25)}
.callbar small{display:block;font-size:.72rem;font-weight:600}
@media(min-width:760px){
  .hero h1{font-size:2.9rem}
  .cards-3{grid-template-columns:1fr 1fr 1fr}
  .trust ul{grid-template-columns:repeat(4,1fr);text-align:center}
  .trust li{justify-content:center}
  .steps{grid-template-columns:1fr 1fr}
  .city-grid{grid-template-columns:repeat(3,1fr)}
  footer .cols{grid-template-columns:1.4fr 1fr 1fr 1fr}
  .nav{display:flex}
  .callbar{display:none}
  .copyright{padding-bottom:1.2rem}
  .cta-band{margin:0 auto}
}
@media(min-width:1024px){.steps{grid-template-columns:repeat(4,1fr)}.city-grid{grid-template-columns:repeat(4,1fr)}}