:root{--ink:#14202e;--muted:#5a6878;--bg:#f7f5f0;--card:#ffffff;--navy:#12304f;--navy-2:#1d4673;--accent:#f2a541;--accent-ink:#3a2300;--line:#e3ddd2;--focus:#2f7de1}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]){--ink:#e8edf3;--muted:#a3b0bf;--bg:#0f1720;--card:#16212d;--navy:#0b1a29;--navy-2:#1a3554;--line:#26364a;--accent-ink:#2b1a00}}
:root[data-theme="dark"]{--ink:#e8edf3;--muted:#a3b0bf;--bg:#0f1720;--card:#16212d;--navy:#0b1a29;--navy-2:#1a3554;--line:#26364a;--accent-ink:#2b1a00}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
h1,h2,h3{font-family:"Source Serif 4",Georgia,serif;line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.5vw,3rem)}
h2{font-size:clamp(1.4rem,3vw,1.9rem);margin-top:1.6em}
h3{font-size:1.1rem}
a{color:var(--navy-2)}
@media (prefers-color-scheme: dark){:root:not([data-theme="light"]) a{color:#8fbcf0}}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:10}
.topbar{background:var(--navy);color:#fff}
.topbar-in{display:flex;justify-content:space-between;align-items:center;height:60px;gap:12px}
.brand{color:#fff;text-decoration:none;font-weight:600;font-size:1.15rem;display:flex;align-items:center;gap:10px}
.brand .dot{color:var(--accent)}
.mark{width:22px;height:22px;border-radius:6px;background:conic-gradient(from 45deg,var(--accent) 0 25%,#fff 0 50%,var(--accent) 0 75%,#fff 0)}
.call{color:#fff;text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap}
.crumbs{font-size:.85rem;color:var(--muted);padding-top:14px;padding-bottom:4px}
.crumbs a{color:var(--muted)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:48px 0 56px}
.crumbs + .hero{margin-top:8px}
.hero h1{color:#fff;max-width:20ch}
.eyebrow{color:var(--accent);font-weight:600;text-transform:uppercase;letter-spacing:.06em;font-size:.8rem;margin:0 0 .8em}
.lede{font-size:1.1rem;max-width:62ch;opacity:.95}
.hero .answer{background:rgba(255,255,255,.08);border-left:4px solid var(--accent);padding:12px 16px;border-radius:6px;max-width:62ch}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.btn{display:inline-block;background:var(--accent);color:var(--accent-ink);font-weight:600;text-decoration:none;padding:13px 22px;border-radius:8px;border:0;font-size:1rem;cursor:pointer;font-family:inherit}
.btn:hover{filter:brightness(1.05)}
.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.6)}
.content{padding-top:28px;padding-bottom:40px}
.narrow{max-width:720px}
.trust{list-style:none;padding:0;margin:0 0 8px;display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.trust li{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px}
.trust strong{display:block;margin-bottom:4px}
.trust span{color:var(--muted);font-size:.95rem}
.two-col{display:grid;grid-template-columns:minmax(0,1fr) 400px;gap:36px;align-items:start}
.col-side{position:sticky;top:16px;margin-top:1.6em}
.tiles{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.tiles li{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px}
.tiles p{margin:0;color:var(--muted);font-size:.96rem}
.steps{padding:0;margin:0;list-style:none;counter-reset:s;display:grid;gap:12px}
.steps li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px 16px 16px 60px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--navy-2);color:#fff;display:grid;place-items:center;font-weight:600}
.steps p{margin:0;color:var(--muted)}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;padding:22px;box-shadow:0 6px 24px rgba(18,48,79,.08)}
.form-card h2{margin-top:0;font-size:1.35rem}
.muted{color:var(--muted)}
.vform label{display:block;font-weight:500;font-size:.9rem;margin-bottom:10px}
.vform input,.vform select,.vform textarea{display:block;width:100%;margin-top:4px;padding:10px 11px;border:1px solid var(--line);border-radius:7px;font:inherit;font-size:.98rem;background:var(--bg);color:var(--ink)}
.vform input:focus,.vform select:focus,.vform textarea:focus{outline:2px solid var(--focus);outline-offset:1px}
.grid2{display:grid;grid-template-columns:1fr;gap:0 12px}
.vform .consent{display:flex;gap:8px;align-items:flex-start;font-weight:400}
.vform .consent input{width:auto;margin-top:5px}
.vform .btn{width:100%;margin-top:6px}
.fine{font-size:.8rem;color:var(--muted)}
.hp{position:absolute;left:-9999px}
.thanks h3{font-size:1.3rem}
.faq details{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px 16px;margin-bottom:10px}
.faq summary{font-weight:600;cursor:pointer}
.faq p{margin:.6em 0 0;color:var(--muted)}
.states{margin-top:12px}
.state-list{list-style:none;padding:0;margin:0;columns:4;column-gap:20px}
.state-list li{break-inside:avoid;padding:3px 0}
.state-list a{text-decoration:none}
.state-list a:hover{text-decoration:underline}
.state-list a[aria-current]{font-weight:700}
.foot{background:var(--navy);color:#d6e0ea;padding:28px 0;font-size:.92rem}
.foot a{color:#fff}
.foot .fine{color:#9fb0c2}
@media (max-width:900px){.two-col{grid-template-columns:1fr}.col-side{position:static}.state-list{columns:3}}
@media (max-width:640px){.trust,.tiles{grid-template-columns:1fr}.state-list{columns:2}.hero{padding:32px 0 40px}.call{font-size:.85rem}.btn{width:100%;text-align:center}}