:root{--navy:#12305c;--navy-dark:#0b2547;--sky:#3a9bd9;--sky-deep:#2472ac;--sky-light:#eaf5fc;--ink:#1c2530;--gray:#5b6675;--line:#e1e8f0;--white:#ffffff}
*{box-sizing:border-box;margin:0;padding:0}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--white);font-size:16px}
a{text-decoration:none;color:inherit}
ul{list-style:none}
img{max-width:100%;display:block}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;padding:13px 20px;border-radius:6px;font-weight:700;font-size:15px;text-align:center;transition:opacity .2s}
.btn:hover{opacity:.88}
.btn-primary{background:var(--sky-deep);color:var(--white)}
.btn-navy{background:var(--navy);color:var(--white)}
.btn-white{background:var(--white);color:var(--navy)}
.section{padding:52px 0}
.section-head{text-align:center;max-width:560px;margin:0 auto 32px}
.section-head h2{font-size:24px;color:var(--navy);margin-bottom:10px}
.section-head p{color:var(--gray);font-size:15px}
.grid{display:grid;gap:20px}
.grid-2{grid-template-columns:1fr}
.grid-3{grid-template-columns:1fr}
.card{position:relative;background:var(--white);border:1px solid var(--line);border-radius:0 12px 12px 12px;padding:22px}
.card::before{content:"";position:absolute;top:8px;left:8px;right:-8px;bottom:-8px;background:var(--sky);border-radius:0 12px 12px 12px;z-index:-1}
.card-hover{transition:top .2s,box-shadow .2s}
.card-hover:hover{top:-3px;box-shadow:0 10px 22px rgba(18,48,92,.12)}
.icon-box{width:44px;height:44px;background:var(--sky-light);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.icon-box svg{width:22px;height:22px}
.card h3{font-size:17px;color:var(--navy);margin-bottom:8px}
.card p{font-size:14px;color:var(--gray)}
.link{display:inline-block;margin-top:12px;font-weight:700;font-size:14px;color:var(--sky-deep)}
.topbar{background:var(--navy-dark);color:var(--white);font-size:12.5px;padding:8px 16px}
.topbar strong{color:var(--sky)}
.topbar-row{display:flex;flex-direction:column;gap:6px;align-items:flex-start}
.topbar-msg{line-height:1.4}
.topbar-phone{display:flex;align-items:center;gap:6px;font-weight:700;color:var(--white)}
header{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-row{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;flex-wrap:wrap}
.logo{display:flex;align-items:center}
.logo-full{display:none;height:30px;width:auto}
.logo-mobile{display:block;height:32px;width:auto}
.footer-logo img{width:140px;height:auto}
.nav-toggle{position:absolute;opacity:0;pointer-events:none}
.hamburger{display:flex;flex-direction:column;gap:5px;width:26px;cursor:pointer;order:2}
.hamburger span{display:block;height:2px;background:var(--navy);border-radius:2px}
.nav-panel{order:3;width:100%;display:none}
.nav-toggle:checked~.nav-panel{display:block}
.nav-list{display:flex;flex-direction:column;padding:14px 0;border-top:1px solid var(--line);margin-top:14px}
.nav-list>li{border-bottom:1px solid var(--line)}
.nav-list>li>a{display:block;padding:13px 4px;font-weight:600;font-size:15px;color:var(--ink)}
.nav-home{display:flex;align-items:center}
.has-dropdown summary{list-style:none;display:flex;align-items:center;justify-content:space-between;padding:13px 4px;font-weight:600;font-size:15px;cursor:pointer;color:var(--ink)}
.has-dropdown summary a{color:inherit;text-decoration:none}
.caret-toggle{display:inline-flex;align-items:center;justify-content:center;padding:8px 4px 8px 10px;min-height:24px}
.has-dropdown summary::-webkit-details-marker{display:none}
.has-dropdown .caret{transition:transform .15s;flex-shrink:0}
.has-dropdown details[open] .caret{transform:rotate(180deg)}
.dropdown-menu{padding:4px 0 10px 14px}
.dropdown-menu a{display:block;padding:10px 4px;font-size:14px;font-weight:600;color:var(--gray)}
.dropdown-menu a:hover{color:var(--sky-deep)}
.nav-cta-mobile{border-bottom:none;padding-top:10px}
.nav-cta-mobile .btn{display:block}
.nav-cta-desktop{display:none}
.page-header{background:var(--navy);color:var(--white);padding:40px 20px;text-align:center}
.page-header h1{font-size:26px}
.page-header p{color:#cfe0f2;margin-top:8px;font-size:15px}
.legal-content{max-width:820px;margin:0 auto}
.legal-content .updated{font-size:13px;color:var(--gray);margin-bottom:24px}
.legal-content h2{color:var(--navy);font-size:19px;margin:26px 0 10px}
.legal-content h2:first-of-type{margin-top:0}
.legal-content p{color:var(--gray);font-size:15px;margin-bottom:14px}
.legal-content ul{margin:0 0 14px 20px;list-style:disc}
.legal-content li{color:var(--gray);font-size:15px;margin-bottom:8px}
.facility-card .facility-address{font-size:13.5px;color:var(--gray);margin-bottom:8px}
.facility-card .facility-phone{display:block;font-weight:700;color:var(--navy);font-size:14.5px;margin-bottom:4px}
.facility-card .facility-link{display:inline-block;margin-top:6px;font-size:13.5px;color:var(--sky-deep);font-weight:700}
.group-note{max-width:720px;margin:0 auto 28px;text-align:center;color:var(--gray);font-size:14.5px}
.hero{position:relative;overflow:hidden;color:var(--white)}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(135deg,rgba(18,48,92,.72) 0%,rgba(11,37,71,.8) 100%);z-index:1}
.hero-grid{position:relative;z-index:2}
.hero-grid{display:flex;flex-direction:column;gap:32px;padding:40px 20px 56px}
.hero h1{font-size:28px;line-height:1.2;margin-bottom:14px}
.hero p{font-size:16px;color:#cfe0f2;margin-bottom:20px}
.hero-badges{display:flex;flex-direction:column;gap:10px;margin-top:18px}
.hero-badge{font-size:14px;color:#dbe9f7;display:flex;align-items:center;gap:8px}
.quote-card{position:relative;background:var(--white);border-radius:0 14px 14px 14px;padding:22px;box-shadow:0 16px 34px rgba(11,37,71,.35)}
.quote-card::before{content:"";position:absolute;top:10px;left:10px;right:-10px;bottom:-10px;background:var(--sky);border-radius:0 14px 14px 14px;z-index:-1}
.quote-card h2{color:var(--navy);font-size:17px;margin-bottom:6px}
.quote-sub{font-size:13px;color:var(--gray);margin-bottom:16px}
.quote-row{display:flex;flex-direction:column;gap:12px}
.quote-field{margin-bottom:12px}
.quote-field label{display:block;font-size:12.5px;font-weight:700;color:var(--navy);margin-bottom:5px}
.quote-field .req{color:#d64545}
.quote-field input,.quote-field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:8px;font-size:14.5px;color:var(--ink);background:var(--white)}
.input-icon{position:relative}
.input-icon svg{position:absolute;left:12px;top:50%;transform:translateY(-50%);pointer-events:none}
.input-icon input{padding-left:38px}
.quote-card .btn{width:100%;margin-top:2px}
.quote-alt{display:flex;align-items:center;justify-content:center;gap:6px;margin-top:14px;font-size:13.5px;color:var(--gray)}
.trust{background:var(--sky-light);padding:18px 20px}
.trust .wrap{display:flex;flex-wrap:wrap;justify-content:center;gap:22px 32px;text-align:center}
.trust-item strong{display:block;color:var(--navy);font-size:14.5px}
.trust-item span{font-size:12.5px;color:var(--gray)}
.faq-list{display:flex;flex-direction:column;gap:10px;max-width:760px;margin:0 auto}
.faq-item{border:1px solid var(--line);border-radius:10px;padding:4px 16px;background:var(--white)}
.faq-item summary{list-style:none;padding:14px 0;font-weight:700;font-size:15px;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item .caret{flex-shrink:0;transition:transform .15s}
.faq-item[open] .caret{transform:rotate(180deg)}
.faq-answer{padding:0 0 16px}
.faq-answer p{color:var(--gray);font-size:14.5px}
.flat-fee{display:flex;flex-direction:column;gap:32px}
.flat-fee h2{font-size:24px;color:var(--navy);margin-bottom:14px}
.flat-fee p{color:var(--gray);font-size:15px;margin-bottom:20px}
.flat-fee ul{display:flex;flex-direction:column;gap:12px}
.flat-fee li{display:flex;gap:10px;align-items:flex-start;font-size:14.5px}
.flat-fee li svg{flex-shrink:0;margin-top:3px;width:18px;height:18px}
.flat-fee-visual{background:linear-gradient(160deg,var(--sky) 0%,var(--navy) 100%);border-radius:16px;min-height:220px;display:flex;align-items:center;justify-content:center}
.flat-fee-visual svg{width:60%}
.cta-band{background:var(--navy);color:var(--white);text-align:center;padding:48px 20px}
.cta-band h2{font-size:23px;margin-bottom:10px}
.cta-band p{color:#cfe0f2;margin-bottom:22px;font-size:15px}
.btn-row{display:flex;flex-direction:column;gap:12px}
.btn-row .btn{width:100%}
footer{background:var(--navy-dark);color:#c9d7e8;padding:40px 0 0}
.footer-grid{display:grid;gap:28px;padding:0 20px 32px}
.footer-logo{margin-bottom:12px}
.footer-col p{font-size:13.5px;color:#aebdd1}
.social-icons{display:flex;gap:14px;margin-top:16px}
.social-icons a{color:#c9d7e8}
.social-icons a:hover{color:var(--sky)}
.social-icons svg{width:19px;height:19px}
footer h3{color:var(--white);font-size:13px;margin-bottom:14px;letter-spacing:.5px}
footer ul li{margin-bottom:8px;font-size:13.5px}
footer a:hover{color:var(--sky)}
.footer-contact li{color:#c9d7e8}
.footer-legal{background:#071a33;padding:16px 20px}
.footer-legal-row{display:flex;flex-direction:column;gap:10px;font-size:12.5px;color:#8fa1ba}
.footer-legal-links{display:flex;flex-wrap:wrap;gap:6px 16px}
.footer-legal-links li{margin-bottom:0}
@media(min-width:480px){.quote-row{flex-direction:row}.quote-row .quote-field{flex:1;margin-bottom:0}}
@media(min-width:640px){.logo-full{display:block}.logo-mobile{display:none}.grid-2{grid-template-columns:repeat(2,1fr)}.btn-row{flex-direction:row;justify-content:center}.btn-row .btn{width:auto}.topbar-row{flex-direction:row;align-items:center;justify-content:space-between}}
@media(min-width:900px){.grid-3{grid-template-columns:repeat(3,1fr)}}
@media(min-width:768px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr}.footer-legal-row{flex-direction:row;justify-content:space-between;align-items:center}}
@media(min-width:1024px){
.header-row{flex-wrap:nowrap}
.hamburger{display:none}
.nav-panel{display:block!important;width:auto;order:2}
.nav-list{flex-direction:row;padding:0;border-top:none;margin-top:0;align-items:center;gap:22px}
.nav-list>li{border-bottom:none}
.nav-list>li>a{padding:10px 4px}
.has-dropdown{position:relative}
.has-dropdown summary{padding:10px 4px;gap:6px}
.has-dropdown .dropdown-menu{position:absolute;top:100%;left:0;background:var(--white);border:1px solid var(--line);border-radius:8px;box-shadow:0 12px 28px rgba(18,48,92,.15);min-width:210px;padding:12px 8px 8px;display:none}
.has-dropdown:hover .dropdown-menu{display:block}
.has-dropdown details[open] .dropdown-menu{display:block}
.nav-cta-mobile{display:none}
.nav-cta-desktop{display:inline-block;order:3}
.section{padding:76px 0}
.section-head h2{font-size:32px}
.page-header{padding:64px 20px}
.page-header h1{font-size:36px}
.hero-grid{flex-direction:row;align-items:center;gap:48px;padding:64px 20px 84px}
.hero-grid>div:first-child{flex:1.1}
.hero-grid .quote-card{flex:1;max-width:420px}
.hero h1{font-size:40px}
.hero-badges{flex-direction:row;flex-wrap:wrap;gap:16px}
.flat-fee{flex-direction:row;align-items:center;gap:56px}
.flat-fee>div{flex:1}
.flat-fee-visual{min-height:340px}
.cta-band h2{font-size:30px}
}