:root{--font-display: "Fraunces", Georgia, "Times New Roman", serif;--font-body: "Inter", ui-sans-serif, system-ui, -apple-system, "Segoe UI", sans-serif;--navy-950: #071a2b;--navy-900: #0b2239;--navy-800: #12344f;--navy-700: #1a4968;--navy-100: #dce6ee;--emerald-700: #087255;--emerald-600: #0b8a65;--emerald-500: #12a377;--gold-500: #c9a24b;--mint-100: #dff5ec;--mint-50: #effaf6;--ink: #16202b;--canvas: #f6f8f9;--surface: #fff;--gray-200: #dde3e7;--gray-500: #64707b;--radius: 10px;--shadow-1: 0 1px 2px rgba(7, 26, 43, .06), 0 4px 14px rgba(7, 26, 43, .05);--shadow-2: 0 2px 4px rgba(7, 26, 43, .07), 0 14px 34px rgba(7, 26, 43, .1);color:var(--ink)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;min-height:100vh;background:var(--canvas);font-family:var(--font-body);font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto}a{color:var(--navy-700);font-weight:600}h1,h2,h3{font-family:var(--font-display);color:var(--navy-900);line-height:1.15;letter-spacing:-.01em;font-weight:600}h1{font-size:clamp(32px,4.6vw,52px);margin:0 0 14px}h2{font-size:clamp(24px,3.2vw,34px);margin:0 0 10px}h3{font-size:20px;margin:0 0 8px}.wrap{max-width:1140px;margin:0 auto;padding:0 22px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:11px 26px;border:0;border-radius:var(--radius);background:var(--emerald-600);color:#fff;font-family:var(--font-body);font-size:16px;font-weight:700;letter-spacing:.01em;text-decoration:none;cursor:pointer;transition:background .15s ease,box-shadow .15s ease;box-shadow:0 1px #ffffff26 inset,0 6px 16px #0b8a6547}.btn:hover{background:var(--emerald-700)}.btn.secondary{background:#fff;color:var(--navy-900);border:1.5px solid var(--navy-100);box-shadow:var(--shadow-1)}.btn.secondary:hover{background:var(--mint-50);border-color:var(--emerald-500)}.btn.ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.42);box-shadow:none}.btn.ghost:hover{background:#ffffff1a;border-color:#ffffffbf}.site-header{position:sticky;top:0;z-index:50;background:#0b2239f7;backdrop-filter:blur(8px);color:#fff;border-bottom:1px solid rgba(255,255,255,.07)}.utility-bar{background:var(--navy-950);font-size:13px}.utility-bar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:12px}.utility-bar a{color:#a9c3ba;text-decoration:none;font-weight:600;font-variant-numeric:tabular-nums}.utility-bar a:hover{color:#fff}.utility-offices{display:flex;gap:18px;flex-wrap:wrap}.utility-hours{color:#7e93a6}.header-main{display:flex;align-items:center;justify-content:space-between;gap:18px;min-height:72px}.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}.brand-mark{width:42px;height:42px;display:grid;place-items:center;border-radius:9px;background:linear-gradient(150deg,var(--emerald-500),var(--emerald-700));color:#fff;font-family:var(--font-display);font-size:17px;font-weight:700;letter-spacing:.02em;box-shadow:0 1px #ffffff40 inset}.brand-text{display:flex;flex-direction:column;line-height:1.15}.brand-text strong{font-family:var(--font-display);font-size:21px;font-weight:600;letter-spacing:.01em}.brand-text small{color:#8fb8a8;font-size:10.5px;font-weight:700;text-transform:uppercase;letter-spacing:.14em}.main-nav{display:flex;gap:2px;align-items:center}.main-nav>a{padding:9px 13px;border-radius:8px;color:#ccd9e4;font-size:14.5px;font-weight:600;text-decoration:none}.main-nav>a:hover{background:#ffffff14;color:#fff}.main-nav>a.cta{margin-left:8px;background:var(--emerald-600);color:#fff;font-weight:700;padding:10px 18px;box-shadow:0 4px 14px #0b8a6559}.main-nav>a.cta:hover{background:var(--emerald-500)}.nav-toggle{display:none;background:none;border:0;color:#fff;font-size:26px;cursor:pointer;padding:6px 10px}.hero{position:relative;overflow:hidden;background:radial-gradient(1200px 600px at 85% -10%,#1c5a52 0%,transparent 55%),linear-gradient(158deg,var(--navy-950) 15%,var(--navy-800) 85%);color:#fff;padding:84px 0 66px}.hero-contours{position:absolute;right:-120px;top:-80px;width:640px;color:#8fe0c2;opacity:.09;stroke-width:1.4;pointer-events:none}.hero .wrap{position:relative}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center}.hero h1{color:#fff;font-size:clamp(34px,4.2vw,54px)}.hero h1 em{font-style:italic;color:#8fe0c2}.hero .kicker{display:inline-flex;align-items:center;gap:10px;color:#8fe0c2;font-size:12.5px;font-weight:700;text-transform:uppercase;letter-spacing:.16em}.hero .kicker:before{content:"";width:34px;height:1.5px;background:var(--emerald-500)}.hero p.lead{max-width:560px;color:#c2d1dd;font-size:18px;line-height:1.7}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}.hero-trust{display:flex;flex-wrap:wrap;margin-top:40px;border-top:1px solid rgba(255,255,255,.14)}.hero-trust div{padding:16px 30px 0 0;margin-right:30px}.hero-trust div+div{border-left:1px solid rgba(255,255,255,.1);padding-left:30px}.hero-trust div strong{display:block;font-family:var(--font-display);font-size:26px;font-weight:600;color:#8fe0c2}.hero-trust div span{color:#93a7b8;font-size:13px}.hero-visual{position:relative;min-height:340px}.quote-card{position:relative;transform:rotate(1.5deg);background:#fff;color:var(--ink);border-radius:16px;padding:22px 24px 18px;box-shadow:0 30px 70px #040e1880,0 2px #fff9 inset}.quote-card-head{display:flex;flex-direction:column;gap:2px;padding-bottom:14px;margin-bottom:14px;border-bottom:1.5px solid var(--gray-200)}.quote-card-head span{font-family:var(--font-display);font-size:19px;font-weight:600;color:var(--navy-900)}.quote-card-head small{color:var(--gray-500);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:600}.quote-row{display:flex;align-items:center;gap:12px;padding:9px 0}.carrier-chip{width:34px;height:34px;flex:0 0 34px;display:grid;place-items:center;border-radius:9px;background:var(--navy-900);color:#8fe0c2;font-weight:800;font-size:14px}.quote-bar{position:relative;height:12px;flex:1;border-radius:999px;background:var(--gray-200);overflow:hidden}.quote-bar:after{content:"";position:absolute;inset:0;width:var(--w, 70%);border-radius:999px;background:linear-gradient(90deg,var(--emerald-500),var(--emerald-600))}.quote-row:not(.best) .quote-bar:after{background:#b9c6ce}.best-badge{flex:0 0 auto;padding:3px 10px;border-radius:999px;background:var(--mint-100);color:var(--emerald-700);font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.05em}.quote-card-foot{display:flex;align-items:center;gap:8px;margin-top:12px;padding-top:12px;border-top:1.5px dashed var(--gray-200);color:var(--gray-500);font-size:12.5px;font-weight:600}.quote-card-foot svg{color:var(--emerald-600)}.chip-card{position:absolute;left:-26px;bottom:-18px;display:flex;gap:12px;align-items:center;padding:14px 18px;background:var(--navy-900);color:#fff;border:1px solid rgba(143,224,194,.25);border-radius:13px;transform:rotate(-2deg);box-shadow:0 22px 50px #040e188c}.chip-card-icon{width:36px;height:36px;display:grid;place-items:center;border-radius:9px;background:#8fe0c226;color:#8fe0c2}.chip-card strong{display:block;font-size:14px}.chip-card span{color:#93a7b8;font-size:12px}.carrier-strip{background:var(--navy-950);border-top:1px solid rgba(255,255,255,.06);padding:18px 0 22px}.carrier-strip .wrap{display:flex;flex-direction:column;gap:8px}.carrier-label{color:#6d8296;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.14em}.carrier-names{display:flex;flex-wrap:wrap;gap:6px 0}.carrier-names span{color:#b6c6d2;font-family:var(--font-display);font-size:16px;font-weight:500}.carrier-names span+span:before{content:"·";color:#3d5a70;margin:0 14px}.section-head{display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:end;margin-bottom:6px}.section-head .section-intro{margin:0 0 6px}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}.steps article{position:relative;padding:26px 26px 24px;background:var(--canvas);border:1px solid var(--gray-200);border-radius:14px}.step-number{font-family:var(--font-display);font-size:34px;font-weight:600;color:var(--gold-500)}.steps h3{margin:6px 0}.steps p{margin:0;color:#414f5c;font-size:15px}.cta-band{position:relative;overflow:hidden;margin-top:72px;padding:72px 0;background:radial-gradient(900px 400px at 20% 120%,#14524a 0%,transparent 60%),linear-gradient(158deg,var(--navy-950),var(--navy-800));color:#fff;text-align:center}.cta-band h2{color:#fff;font-size:clamp(26px,3.6vw,40px);max-width:760px;margin:0 auto 10px}.cta-band h2 em{font-style:italic;color:#8fe0c2}.cta-band p{color:#c2d1dd;margin:0 0 8px}.cta-band .hero-actions{justify-content:center}.cta-band+.site-footer{margin-top:0}.funnel-shell{display:grid;grid-template-columns:minmax(0,1.15fr) .85fr;gap:34px;align-items:start;margin-top:30px}.funnel-panel{background:#fff;border:1px solid var(--gray-200);border-radius:16px;padding:30px 32px;box-shadow:var(--shadow-2)}.funnel-progress{display:flex;gap:6px;margin-bottom:8px}.funnel-progress span{height:4px;flex:1;border-radius:999px;background:var(--gray-200);transition:background .25s}.funnel-progress span.on{background:var(--emerald-500)}.funnel-count{margin:0 0 4px;color:var(--gray-500);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.08em}.funnel-panel h3{font-family:var(--font-display);font-size:26px;margin:0 0 4px}.funnel-intro{margin:0 0 16px;color:var(--gray-500);font-size:15px}.funnel-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px 16px;margin-top:14px}.funnel-grid>*{min-width:0}.funnel-grid .span2{grid-column:1 / -1}.funnel-grid label,.funnel-grid fieldset{display:flex;flex-direction:column;gap:5px;margin:0;padding:0;border:0}.funnel-grid label>span,.funnel-grid legend{font-size:13px;font-weight:700;color:var(--navy-900);padding:0}.funnel-grid small{color:var(--gray-500);font-size:12px;font-weight:400}.funnel-grid input,.funnel-grid select,.funnel-grid textarea{width:100%;max-width:100%;min-height:46px;padding:8px 12px;border:1.5px solid var(--gray-200);border-radius:9px;background:#fff;font:inherit;font-size:15.5px;color:var(--ink);transition:border-color .15s,box-shadow .15s}.funnel-grid textarea{min-height:92px;resize:vertical}.funnel-grid input:focus,.funnel-grid select:focus,.funnel-grid textarea:focus{outline:none;border-color:var(--emerald-500);box-shadow:0 0 0 3px #12a37726}.yesno div{display:flex;gap:8px}.yesno button{flex:1;min-height:46px;border:1.5px solid var(--gray-200);border-radius:9px;background:#fff;font:inherit;font-size:15px;font-weight:700;color:var(--gray-500);cursor:pointer;transition:all .15s}.yesno button.on{border-color:var(--emerald-600);background:var(--mint-50);color:var(--emerald-700)}.funnel-repeat{display:grid;gap:12px;margin-top:14px}.funnel-repeat-item{border:1px solid var(--gray-200);border-radius:12px;padding:16px 18px;background:var(--canvas)}.funnel-repeat-head{display:flex;justify-content:space-between;align-items:baseline;margin-bottom:4px}.funnel-repeat-head strong{font-size:14px;color:var(--emerald-700);text-transform:uppercase;letter-spacing:.06em}.text-remove{border:0;background:none;color:#a63c30;font-size:13px;font-weight:700;cursor:pointer}.funnel-add{min-height:44px;border:1.5px dashed var(--gray-200);border-radius:10px;background:none;color:var(--emerald-700);font:inherit;font-size:15px;font-weight:700;cursor:pointer}.funnel-add:hover{border-color:var(--emerald-500);background:var(--mint-50)}.funnel-nav{display:flex;gap:12px;align-items:center;margin-top:22px}.funnel-back{border:0;background:none;color:var(--gray-500);font:inherit;font-size:15px;font-weight:700;cursor:pointer}.funnel-next{margin-left:auto;min-height:50px;padding:11px 30px;border:0;border-radius:var(--radius);background:var(--emerald-600);color:#fff;font:inherit;font-size:16px;font-weight:700;cursor:pointer;box-shadow:0 6px 16px #0b8a6547;transition:background .15s}.funnel-next:hover:not(:disabled){background:var(--emerald-700)}.funnel-next:disabled{background:#b9c6ce;cursor:not-allowed;box-shadow:none}.funnel-error{margin-top:16px;padding:12px 16px;border-left:3px solid #a63c30;border-radius:8px;background:#faf0ee;color:#6e3a33;font-size:14px}.funnel-imported{margin:0 0 12px;padding:10px 14px;border-left:3px solid var(--emerald-500);border-radius:8px;background:var(--mint-50);color:#274437;font-size:13.5px;font-weight:600}.funnel-fineprint{margin:16px 0 0;color:var(--gray-500);font-size:12.5px}.funnel-done h3{color:var(--emerald-700)}.funnel-aside{position:sticky;top:120px;display:grid;gap:14px}.funnel-aside .contact-block{margin:0}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 300px;gap:40px;align-items:start}.article-aside{position:sticky;top:120px;display:grid;gap:14px}.prose{max-width:720px;font-size:16.5px}.prose h2{margin-top:36px}.prose h3{margin-top:26px}.prose p,.prose li{color:#37434f}.prose ul,.prose ol{padding-left:22px}.prose li{margin:6px 0}.prose table{width:100%;border-collapse:collapse;margin:18px 0;font-size:15px}.prose th{text-align:left;padding:10px 12px;background:var(--navy-900);color:#cfe4db;font-size:12px;text-transform:uppercase;letter-spacing:.06em}.prose td{padding:10px 12px;border-bottom:1px solid var(--gray-200);vertical-align:top}.prose tr:nth-child(2n) td{background:#fbfdfc}.prose .callout{margin:20px 0;padding:16px 20px;border-left:3px solid var(--emerald-500);border-radius:0 10px 10px 0;background:var(--mint-50);color:#274437}.prose .callout strong{color:var(--emerald-700)}.prose-cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px;padding-top:24px;border-top:1px solid var(--gray-200)}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding:10px 0 10px 34px;border-bottom:1px solid var(--gray-200)}.checklist li:before{content:"✓";position:absolute;left:4px;top:9px;width:22px;height:22px;display:grid;place-items:center;border-radius:7px;background:var(--mint-100);color:var(--emerald-700);font-weight:800;font-size:13px}@media(max-width:1000px){.article-layout{grid-template-columns:1fr}.article-aside{position:static}}.tool-shell{margin-top:28px}.tool-panel{background:#fff;border:1px solid var(--gray-200);border-radius:16px;padding:28px 30px;box-shadow:var(--shadow-2);max-width:860px}.tool-result{margin-top:20px;padding:18px 22px;border:1.5px solid var(--emerald-500);border-radius:12px;background:var(--mint-50)}.tool-result h4{margin:0 0 8px;color:var(--emerald-700);font-size:13px;text-transform:uppercase;letter-spacing:.08em}.tool-result dl{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px 20px;margin:0}.tool-result dt{color:var(--gray-500);font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em}.tool-result dd{margin:2px 0 0;font-weight:700;color:var(--navy-900)}.tool-result .big-number{font-family:var(--font-display);font-size:34px;color:var(--navy-900)}.tool-disclaimer{margin-top:14px;color:var(--gray-500);font-size:12.5px}.tool-error{margin-top:14px;padding:10px 14px;border-left:3px solid #a63c30;background:#faf0ee;border-radius:8px;color:#6e3a33;font-size:14px}.tool-guide{display:grid;grid-template-columns:minmax(0,1.45fr) minmax(280px,.75fr);gap:50px;align-items:start}.tool-guide-main{max-width:760px}.tool-guide-main h3{margin-top:30px;font-family:var(--font-body);font-size:15px;font-weight:800;text-transform:uppercase;letter-spacing:.07em}.tool-lead{font-size:17px;color:#37434f}.compact-steps{padding:0;margin:14px 0 0;list-style:none;counter-reset:tool-step}.compact-steps li{position:relative;padding:12px 0 12px 46px;border-top:1px solid var(--gray-200);color:#37434f;counter-increment:tool-step}.compact-steps li:before{content:counter(tool-step);position:absolute;left:0;top:11px;width:30px;height:30px;display:grid;place-items:center;border-radius:50%;background:var(--navy-900);color:#8fe0c2;font-size:13px;font-weight:800}.check-list{padding:0;margin:14px 0 0;list-style:none}.check-list li{position:relative;padding:10px 0 10px 28px;border-top:1px solid var(--gray-200);color:#37434f}.check-list li:before{content:"!";position:absolute;left:2px;top:11px;width:18px;height:18px;display:grid;place-items:center;border-radius:50%;background:#f4e5bd;color:#725818;font-size:11px;font-weight:900}.tool-faq{border-left:1px solid var(--gray-200);padding-left:28px}.tool-faq details{border-bottom:1px solid var(--gray-200)}.tool-faq summary{padding:16px 26px 16px 0;color:var(--navy-900);font-weight:800;line-height:1.35;cursor:pointer}.tool-faq p{margin:-4px 0 16px;color:#4b5864;font-size:14.5px}.rce-checks{display:grid;grid-template-columns:repeat(auto-fill,minmax(210px,1fr));gap:8px;padding:4px 18px 16px}.rce-checks button{display:flex;flex-direction:column;align-items:flex-start;gap:2px;padding:10px 14px;border:1.5px solid var(--gray-200);border-radius:10px;background:#fff;font:inherit;text-align:left;cursor:pointer;transition:all .15s}.rce-checks button strong{font-size:13.5px;color:var(--navy-900);font-weight:700}.rce-checks button small{color:var(--gray-500);font-size:11.5px}.rce-checks button.on{border-color:var(--emerald-600);background:var(--mint-50);box-shadow:0 0 0 3px #12a3771f}.rce-checks button.on strong{color:var(--emerald-700)}.rce-download{min-height:50px;padding:11px 24px;border:2px solid var(--navy-900);border-radius:var(--radius);background:#fff;color:var(--navy-900);font:inherit;font-size:15.5px;font-weight:800;cursor:pointer;box-shadow:var(--shadow-1);transition:all .15s}.rce-download:hover{background:var(--mint-50);border-color:var(--emerald-600);color:var(--emerald-700)}.rce-live{position:sticky;bottom:14px;z-index:5;display:flex;gap:14px;align-items:baseline;margin:14px 0 4px;padding:12px 20px;border-radius:12px;background:var(--navy-900);color:#fff;box-shadow:0 14px 34px #071a2b59}.rce-live span{font-size:10.5px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;color:#8fe0c2}.rce-live strong{font-family:var(--font-display);font-size:24px;font-variant-numeric:tabular-nums}.rce-live em{margin-left:auto;font-style:normal;color:#93a7b8;font-size:12.5px}.rce-panel{max-width:900px}.rce-section{margin-bottom:10px;border:1px solid var(--gray-200);border-radius:12px;background:#fbfdfc}.rce-section>summary{padding:13px 18px;font-family:var(--font-display);font-size:17px;font-weight:600;color:var(--navy-900);cursor:pointer;list-style:none;position:relative}.rce-section>summary::-webkit-details-marker{display:none}.rce-section>summary:after{content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);color:var(--emerald-600);font-family:var(--font-body);font-size:20px}.rce-section[open]>summary:after{content:"–"}.rce-section>.funnel-grid{padding:4px 18px 16px}.rce-section>.tool-disclaimer{padding:0 18px 12px;margin:0}.rce-report-head{display:flex;justify-content:space-between;align-items:baseline;gap:10px;flex-wrap:wrap;margin-bottom:10px}.rce-report-head small{color:var(--gray-500);font-size:12px}.rce-breakdown{width:100%;border-collapse:collapse;margin:14px 0 4px;font-size:14px}.rce-breakdown th{text-align:left;padding:8px 12px;background:var(--navy-900);color:#cfe4db;font-size:11px;text-transform:uppercase;letter-spacing:.06em}.rce-breakdown th:last-child,.rce-breakdown td:last-child{text-align:right;font-variant-numeric:tabular-nums}.rce-breakdown td{padding:7px 12px;border-bottom:1px solid var(--gray-200)}.rce-breakdown tr:nth-child(2n) td{background:#fbfdfc}@media print{.site-header,.site-footer,.page-hero,.rce-no-print,.rce-section,.funnel-nav{display:none!important}.tool-result{border:0}}.faq-list{margin-top:24px;display:grid;gap:10px;max-width:860px}.faq-item{border:1px solid var(--gray-200);border-radius:12px;background:#fff;box-shadow:var(--shadow-1)}.faq-item summary{padding:18px 22px;font-family:var(--font-display);font-size:18px;font-weight:600;color:var(--navy-900);cursor:pointer;list-style:none;position:relative}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-family:var(--font-body);font-size:22px;color:var(--emerald-600);font-weight:400;transition:transform .2s}.faq-item[open] summary:after{transform:translateY(-50%) rotate(45deg)}.faq-item p{margin:0;padding:0 22px 18px;color:#414f5c;font-size:15.5px}.reveal{opacity:0;transform:translateY(16px);transition:opacity .55s ease,transform .55s ease}.reveal.in{opacity:1;transform:none}@media(prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}.section{padding:64px 0}.section.alt{background:#fff;border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}.section-kicker{display:inline-flex;align-items:center;gap:10px;color:var(--emerald-700);font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:.15em}.section-kicker:before{content:"";width:26px;height:1.5px;background:var(--emerald-500)}.section-intro{max-width:640px;color:var(--gray-500);margin-top:4px}.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px;margin-top:28px}.card{position:relative;display:flex;flex-direction:column;gap:9px;padding:26px 26px 22px;border:1px solid var(--gray-200);border-radius:14px;background:var(--surface);text-decoration:none;color:var(--ink);box-shadow:var(--shadow-1);transition:box-shadow .18s ease,border-color .18s ease}.card:after{content:"";position:absolute;left:26px;right:26px;top:0;height:2px;background:var(--emerald-500);border-radius:0 0 2px 2px;opacity:0;transition:opacity .18s ease}a.card:hover{box-shadow:var(--shadow-2);border-color:#c8d4da}a.card:hover:after{opacity:1}.card .card-icon{width:48px;height:48px;display:grid;place-items:center;border-radius:11px;background:var(--navy-900);color:#8fe0c2;margin-bottom:4px}.card h3{margin-bottom:2px}.card p{margin:0;color:var(--gray-500);font-size:15px;font-weight:400;line-height:1.6}.card .card-link{display:inline-flex;align-items:center;gap:6px;margin-top:12px;color:var(--emerald-700);font-size:14px;font-weight:700}a.card:hover .card-link{gap:10px}.card .card-link svg{transition:transform .15s}.value-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin-top:28px}.value-list article{padding:24px 26px;background:var(--canvas);border:1px solid var(--gray-200);border-radius:14px}.value-list article h3{display:flex;align-items:baseline;gap:10px;font-family:var(--font-body);color:var(--navy-900);font-size:15px;font-weight:800;text-transform:uppercase;letter-spacing:.08em}.value-list article h3:before{content:counter(value-item,decimal-leading-zero);font-family:var(--font-display);color:var(--gold-500);font-size:22px;font-weight:600}.value-list{counter-reset:value-item}.value-list article{counter-increment:value-item}.value-list p{margin:8px 0 0;color:#414f5c;font-size:15px}.office-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:16px;margin-top:28px}.office-card{padding:26px;border:1px solid var(--gray-200);border-radius:14px;background:#fff;box-shadow:var(--shadow-1)}.office-card h3 a{text-decoration:none}.office-card address{display:flex;gap:8px;align-items:baseline;font-style:normal;color:var(--gray-500);margin:8px 0 10px;font-size:15px}.office-card .office-phone{display:inline-flex;align-items:center;gap:8px;margin-bottom:16px;font-size:19px;font-weight:800;color:var(--navy-900);text-decoration:none;font-variant-numeric:tabular-nums}.office-card .office-phone:hover{color:var(--emerald-700)}.office-actions{display:flex;gap:10px;flex-wrap:wrap}.office-actions .btn{min-height:42px;padding:7px 16px;font-size:14px}.service-lines{display:grid;grid-template-columns:repeat(2,1fr);margin:26px 0 30px;border-top:1px solid var(--gray-200);border-left:1px solid var(--gray-200)}.service-lines article{min-height:146px;padding:22px 24px;border-right:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200);background:#fff}.service-lines article h3{font-family:var(--font-body);font-size:16px}.service-lines article p{margin:6px 0 0;color:#4b5864;font-size:15px}.local-answer{max-width:820px;padding-left:22px;border-left:3px solid var(--emerald-500)}.local-answer p{margin:8px 0;color:#3d4a57}.local-links{display:flex;flex-wrap:wrap;gap:8px 18px;margin-top:26px;padding-top:18px;border-top:1px solid var(--gray-200)}.local-links a{font-size:14px}.staff-directory{margin-top:28px;border-top:1px solid var(--gray-200)}.staff-group{display:grid;grid-template-columns:170px minmax(0,1fr);border-bottom:1px solid var(--gray-200)}.staff-group>h3{margin:0;padding:20px 18px 20px 0;font-family:var(--font-body);font-size:14px;color:var(--emerald-700);text-transform:uppercase;letter-spacing:.08em}.staff-row{display:grid;grid-template-columns:minmax(0,1fr) 180px;gap:18px;align-items:center;padding:13px 0;border-bottom:1px solid #edf0f2}.staff-row:last-child{border-bottom:0}.staff-row strong,.staff-row span{display:block}.staff-row strong{color:var(--navy-900)}.staff-row div>span,.staff-department{color:var(--gray-500);font-size:13.5px}.staff-department{text-align:right}.office-contact-strip{display:flex;gap:20px 32px;flex-wrap:wrap;margin-top:26px;padding:16px 0;border-top:1px solid var(--gray-200);border-bottom:1px solid var(--gray-200)}.office-contact-strip p{margin:0;display:flex;gap:10px}.timeline{margin-top:30px;display:grid}.timeline article{position:relative;padding:0 0 26px 34px;border-left:1.5px solid var(--gray-200);margin-left:9px}.timeline article:last-child{border-left-color:transparent;padding-bottom:0}.timeline article:before{content:"";position:absolute;left:-7.5px;top:4px;width:12px;height:12px;border-radius:999px;background:#fff;border:3px solid var(--emerald-500)}.timeline .year{font-family:var(--font-display);color:var(--navy-900);font-weight:600;font-size:17px}.timeline p{margin:2px 0 0;color:#414f5c;max-width:640px}.contact-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:16px;margin-top:28px}.contact-block{padding:24px 26px;background:#fff;border:1px solid var(--gray-200);border-radius:14px;box-shadow:var(--shadow-1)}.contact-block h3{display:flex;align-items:center;gap:9px;font-family:var(--font-body);font-size:13.5px;font-weight:800;text-transform:uppercase;letter-spacing:.09em;color:var(--emerald-700)}.contact-block strong.big{display:block;font-size:21px;color:var(--navy-900);margin:4px 0}.contact-block a{text-decoration:none}.contact-block p{margin:6px 0;font-size:15px;color:#414f5c}.page-hero{position:relative;overflow:hidden;background:linear-gradient(158deg,var(--navy-950),var(--navy-800));color:#fff;padding:52px 0 44px}.page-hero:before{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.05) 1px,transparent 1.5px);background-size:26px 26px;mask-image:linear-gradient(120deg,transparent 40%,black 95%)}.page-hero .wrap{position:relative}.page-hero h1{color:#fff}.page-hero p{max-width:700px;color:#c2d1dd;font-size:17.5px;margin:0}.breadcrumbs{font-size:13px;margin-bottom:12px}.breadcrumbs a{color:#8fe0c2;text-decoration:none}.breadcrumbs span{color:#6d8296;padding:0 2px}.site-footer{margin-top:72px;background:var(--navy-950);color:#a5b6c4;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:30px;padding:50px 0 34px}.site-footer h4{margin:0 0 12px;color:#fff;font-size:13px;text-transform:uppercase;letter-spacing:.1em}.site-footer a{display:block;margin:6px 0;color:#a5b6c4;text-decoration:none;font-weight:500}.site-footer a:hover{color:#8fe0c2}.footer-tagline{font-family:var(--font-display);font-style:italic;color:#8fe0c2;font-size:16px}.footer-legal{border-top:1px solid rgba(255,255,255,.1);padding:18px 0 30px;font-size:12.5px;color:#6d8296;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}@media(max-width:1000px){.hero-grid{grid-template-columns:1fr;gap:40px}.hero-visual{max-width:460px;margin:0 auto}.section-head{grid-template-columns:1fr;gap:8px;align-items:start}.steps{grid-template-columns:1fr}.tool-guide{grid-template-columns:1fr;gap:34px}.tool-faq{border-left:0;border-top:1px solid var(--gray-200);padding:24px 0 0}}@media(max-width:900px){.nav-toggle{display:block}.main-nav{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;align-items:stretch;padding:10px 16px 18px;background:var(--navy-900);box-shadow:0 20px 32px #071a2b66}.main-nav.open{display:flex}.main-nav>a{padding:14px 12px;font-size:16px}.main-nav>a.cta{margin:8px 0 0;text-align:center;justify-content:center;display:flex}.utility-offices{gap:12px;font-size:12px}.footer-grid{grid-template-columns:1fr 1fr}.hero{padding:48px 0 46px}.hero-contours{display:none}.chip-card{left:8px;bottom:-14px}.hero-trust div{padding:14px 0 0;margin-right:0;width:50%}.hero-trust div+div{border-left:0;padding-left:0}}@media(max-width:560px){.footer-grid{grid-template-columns:1fr}.utility-bar .wrap{justify-content:center}.utility-hours{display:none}.hero-trust div{width:100%}.service-lines,.staff-group{grid-template-columns:1fr}.staff-group>h3{padding-bottom:8px}.staff-row{grid-template-columns:1fr;gap:3px}.staff-department{text-align:left}.tool-panel{padding:20px 16px}.funnel-grid{grid-template-columns:minmax(0,1fr)}.funnel-grid .span2{grid-column:auto}.rce-section>.funnel-grid{padding:4px 12px 14px}.rce-section>summary{padding:12px 40px 12px 12px;font-size:16px}.rce-section>summary:after{right:14px}.rce-checks{grid-template-columns:minmax(0,1fr);padding:4px 12px 14px}.rce-live{align-items:flex-start;flex-wrap:wrap;padding:12px 14px}.rce-live em{width:100%;margin-left:0}}.funnel-section{margin:1.75rem 0 0}.funnel-section:first-of-type{margin-top:1rem}.funnel-section h4{margin:0 0 .35rem;font-size:.95rem;letter-spacing:.01em;color:var(--ink, #14213d)}.funnel-repeat-item .repeat-toggle{display:flex;align-items:center;gap:.5rem;flex:1;padding:0;border:0;background:none;font:inherit;text-align:left;cursor:pointer;color:inherit}.funnel-repeat-item .repeat-toggle span{opacity:.55;font-size:.8rem}.intake-check{display:flex;align-items:flex-start;gap:.55rem;grid-column:1 / -1;font-size:.92rem;line-height:1.35}.intake-check input{margin-top:.2rem;flex:0 0 auto}.funnel-earlyout{margin:.9rem 0 0;font-size:.88rem;color:var(--muted, #5b6478);text-align:center}.text-link{padding:0;border:0;background:none;font:inherit;color:var(--brand, #1d4ed8);text-decoration:underline;cursor:pointer}.text-link:disabled{opacity:.55;cursor:default}.funnel-privacy{margin:1.1rem 0 0;padding-top:.9rem;border-top:1px solid var(--line, #e4e7ee);font-size:.8rem;line-height:1.45;color:var(--muted, #5b6478)}.risk-list,.needed-list{list-style:none;margin:22px 0 0;padding:0;display:grid;gap:12px;max-width:62ch}.risk-list li,.needed-list li{display:flex;align-items:flex-start;gap:.65rem;line-height:1.5}.risk-list svg,.needed-list svg{flex:0 0 auto;margin-top:.2rem;opacity:.7}.scenario{margin:18px 0 0;padding:18px 22px;border-left:3px solid var(--brand, #1d4ed8);background:var(--tint, #f5f7fb);border-radius:0 10px 10px 0;font-size:1.02rem;line-height:1.65;max-width:68ch}.fineprint{margin:16px 0 0;font-size:.82rem;line-height:1.5;color:var(--muted, #5b6478);max-width:68ch}
