html,body{overflow-x:hidden}
:root{--blue:#0A4DA2;--blue-d:#083A7A;--sky:#EEF5FD;--sun:#FFB81C;--sun-d:#E6A200;--ink:#12233B;--gray:#51637C;--line:#D9E4F1;--red:#D64545}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Source Sans 3',sans-serif;color:var(--ink);background:#fff;line-height:1.6;font-size:16px}
h1,h2,h3,h4{font-family:'Figtree',sans-serif;letter-spacing:-.015em;line-height:1.15}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.btn{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:700;font-size:16px;padding:14px 28px;text-decoration:none;border-radius:8px;box-shadow:0 4px 14px rgba(255,184,28,.4);border:none;cursor:pointer}
.btn:hover{background:var(--sun-d)}
.btn.blue{background:var(--blue);color:#fff;box-shadow:0 4px 14px rgba(10,77,162,.3)}
.btn.blue:hover{background:var(--blue-d)}

/* skip link */
.skip-link{position:absolute;left:-999px;top:auto;background:var(--blue);color:#fff;padding:12px 20px;z-index:999;border-radius:0 0 8px 0}
.skip-link:focus{left:0;top:0}

.topbar{background:var(--blue-d);color:#BFD6F2;font-size:13.5px;padding:8px 0}
.topbar .wrap{display:flex;justify-content:space-between;font-weight:500;flex-wrap:wrap;gap:6px}
.topbar b{color:var(--sun)}
.topbar a{color:#BFD6F2;text-decoration:none}
.topbar a:hover{color:#fff}

nav{background:#fff;box-shadow:0 2px 14px rgba(18,35,59,.07);position:relative;z-index:50}
nav .wrap{display:flex;align-items:center;justify-content:space-between;height:78px}
.logo{font-family:'Figtree';font-weight:800;font-size:20px;color:var(--blue);text-decoration:none;display:flex;align-items:center;gap:10px;white-space:nowrap;min-width:0}
.logo img{display:block}
.logo .logo-short{display:none}
@media(max-width:400px){
  .logo .logo-full{display:none}
  .logo .logo-short{display:block}
}
.navlinks{display:flex;align-items:center}
.navlinks>a,.navlinks>.navdrop>button{color:var(--ink);text-decoration:none;font-weight:600;font-size:14.5px;margin-left:22px;background:none;border:none;font-family:'Source Sans 3';cursor:pointer;padding:0;display:flex;align-items:center;gap:5px}
.navlinks>a:hover,.navlinks>.navdrop>button:hover{color:var(--blue)}
.navdrop{position:relative;margin-left:0}
.navdrop .caret{font-size:10px}
.dropmenu{list-style:none;position:absolute;top:calc(100% + 14px);left:50%;transform:translateX(-50%);background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 20px 44px rgba(18,35,59,.16);padding:10px;min-width:270px;opacity:0;visibility:hidden;transition:opacity .15s ease;z-index:60}
.navdrop:hover .dropmenu,.navdrop:focus-within .dropmenu{opacity:1;visibility:visible}
.dropmenu li a{display:block;padding:10px 12px;border-radius:8px;color:var(--ink);text-decoration:none;font-weight:600;font-size:14px}
.dropmenu li a:hover{background:var(--sky);color:var(--blue)}
.dropmenu li.dropall a{color:var(--blue);border-top:1px solid var(--line);margin-top:6px;padding-top:12px}
.navlinks .btn{font-size:14px;padding:11px 20px;margin-left:22px}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;cursor:pointer;padding:6px}
.hamburger span{width:26px;height:3px;background:var(--ink);border-radius:2px}

.mobile-menu{display:none;position:fixed;inset:0 0 0 0;top:0;background:#fff;z-index:100;overflow-y:auto;padding:20px 24px 100px}
.mobile-menu.open{display:block}
.mobile-menu .mm-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:20px}
.mobile-menu .mm-close{background:none;border:none;font-size:28px;line-height:1;cursor:pointer;color:var(--ink)}
.mobile-menu a.mm-link{display:block;padding:14px 4px;font-weight:700;font-size:17px;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
.mobile-menu .mm-section-label{font-family:'Figtree';font-weight:700;font-size:12.5px;letter-spacing:.08em;text-transform:uppercase;color:var(--blue);margin:22px 0 8px}
.mobile-menu .mm-call{display:block;text-align:center;margin-top:22px}

.hero{background:linear-gradient(160deg,var(--blue) 0%,var(--blue-d) 100%);color:#fff;padding:64px 0 76px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:480px;height:480px;border-radius:50%;background:rgba(255,255,255,.05)}
.hero .wrap{display:grid;grid-template-columns:1.1fr .9fr;gap:52px;align-items:center;position:relative;z-index:2}
.ribbon{display:inline-block;background:var(--sun);color:var(--ink);font-family:'Figtree';font-weight:700;font-size:13px;padding:7px 14px;border-radius:100px;margin-bottom:18px}
.hero h1{font-size:clamp(30px,4.2vw,44px);margin-bottom:16px}
.hero p{color:#BFD6F2;font-size:18px;max-width:520px;margin-bottom:28px}
.cta-row{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.hotline{font-family:'Figtree';font-weight:800;font-size:23px}
.hotline small{display:block;font-family:'Source Sans 3';font-weight:500;font-size:12px;color:#BFD6F2;letter-spacing:.06em;text-transform:uppercase}
.gcard{background:#fff;color:var(--ink);border-radius:16px;padding:28px;box-shadow:0 30px 70px rgba(0,0,0,.25)}
.gcard .gtop{display:flex;gap:16px;align-items:center;border-bottom:1px solid var(--line);padding-bottom:18px;margin-bottom:18px}
.gcard .gshield{width:52px;height:58px;background:var(--blue);clip-path:polygon(0 0,100% 0,100% 70%,50% 100%,0 70%);display:flex;align-items:center;justify-content:center;color:var(--sun);font-size:25px;flex-shrink:0}
.gcard h3{font-size:18px}
.gcard .gtop p{font-size:13.5px;color:var(--gray)}
.gitem{display:flex;gap:12px;align-items:flex-start;padding:8px 0;font-size:15px}
.gitem .ck{color:#fff;background:var(--blue);border-radius:50%;width:22px;height:22px;display:flex;align-items:center;justify-content:center;font-size:12px;flex-shrink:0;margin-top:2px}
.gitem b{display:block;font-size:15px}
.gitem span{font-size:13.5px;color:var(--gray)}
.gcard .btn{width:100%;text-align:center;margin-top:14px}

.strip{background:var(--sky);border-bottom:1px solid var(--line)}
.strip .wrap{display:flex;justify-content:space-between;align-items:center;padding:15px 24px;font-weight:600;font-size:14px;color:var(--blue-d);flex-wrap:wrap;gap:10px}
.strip span:before{content:"✔ ";color:var(--blue)}

.sec{padding:72px 0}
.sec.alt{background:var(--sky)}
.kick{color:var(--blue);font-family:'Figtree';font-weight:700;font-size:12.5px;letter-spacing:.12em;text-transform:uppercase;display:block}
.sec h2{font-size:33px;margin:10px 0 12px}
.sec .sub{color:var(--gray);font-size:16.5px;margin-bottom:34px;max-width:680px}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;position:relative;overflow:hidden}
.card:hover{box-shadow:0 20px 44px rgba(10,77,162,.12)}
.card:before{content:"";position:absolute;top:0;left:0;right:0;height:5px;background:var(--blue)}
.card.hot:before{background:var(--sun)}
.card .badge{position:absolute;top:14px;right:14px;background:var(--red);color:#fff;font-size:11px;font-weight:700;padding:3px 9px;border-radius:100px;text-transform:uppercase}
.card .ic{width:52px;height:52px;background:var(--sky);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:25px;margin-bottom:16px}
.card h3{font-size:18.5px;margin-bottom:8px}
.card p{font-size:14px;color:var(--gray);margin-bottom:16px}
.card a{color:var(--blue);font-weight:700;font-size:14px;text-decoration:none}

.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;position:relative}
.steps:before{content:"";position:absolute;top:33px;left:12%;right:12%;height:3px;background:var(--line)}
.step{text-align:center;padding:0 18px;position:relative}
.step .n{width:64px;height:64px;border-radius:50%;background:#fff;border:3px solid var(--blue);color:var(--blue);font-family:'Figtree';font-weight:800;font-size:23px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;position:relative;z-index:2}
.step h3{font-size:17px;margin-bottom:6px}
.step p{font-size:14px;color:var(--gray)}

.pricebox{border:2px solid var(--blue);border-radius:14px;padding:24px;display:flex;justify-content:space-between;align-items:center;gap:16px;margin-bottom:14px;background:#fff;flex-wrap:wrap}
.pricebox b{font-family:'Figtree';font-size:22px;color:var(--blue);display:block}
.pricebox span{color:var(--gray);font-size:13.5px;display:block}
.factors{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:14px}
.factor{background:var(--sky);border-radius:12px;padding:16px;font-size:13.5px;color:var(--gray)}
.factor b{display:block;font-family:'Figtree';font-size:14px;color:var(--ink);margin-bottom:3px}

.compare{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.comp{border-radius:16px;padding:22px;background:#fff;border:1px solid var(--line)}
.comp h3{font-size:17.5px;margin-bottom:10px}
.comp p{font-size:13.5px;color:var(--gray)}
.comp .tag{display:inline-block;background:var(--sky);color:var(--blue-d);font-weight:700;font-size:11.5px;text-transform:uppercase;letter-spacing:.05em;padding:4px 10px;border-radius:100px;margin-bottom:10px}

.faq{margin-top:6px}
.faq details{border:1px solid var(--line);border-radius:12px;padding:0;margin-bottom:10px;background:#fff;overflow:hidden}
.faq summary{list-style:none;cursor:pointer;padding:18px 22px;font-family:'Figtree';font-weight:700;font-size:15.5px;display:flex;justify-content:space-between;align-items:center;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";font-size:22px;color:var(--blue);flex-shrink:0}
.faq details[open] summary:after{content:"-"}
.faq .faq-a{padding:0 22px 18px;font-size:14.5px;color:var(--gray)}
.faq .faq-a p{margin-bottom:10px}
.faq .faq-a p:last-child{margin-bottom:0}

.midcta{background:linear-gradient(160deg,var(--blue),var(--blue-d));border-radius:16px;color:#fff;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:18px;margin:32px 0;flex-wrap:wrap}
.midcta h3{font-size:20px}
.midcta p{color:#BFD6F2;font-size:14.5px}

.mapsec{padding:0}
.mapsec iframe{width:100%;height:340px;border:0;display:block}
.mapsec .maplabel{background:var(--sky);padding:14px 0;text-align:center;font-weight:600;font-size:14px;color:var(--blue-d)}

.ctaband{background:linear-gradient(160deg,var(--blue),var(--blue-d));color:#fff;padding:58px 0;text-align:center}
.ctaband h2{font-size:34px;margin-bottom:10px}
.ctaband p{color:#BFD6F2;font-size:16.5px;margin-bottom:24px}

footer{background:var(--ink);color:#8FA3BE;padding:50px 0 0;font-size:14px}
footer .fwrap{max-width:1180px;margin:0 auto;padding:0 24px}
footer .fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;padding-bottom:36px}
footer h3{color:#fff;font-family:'Figtree';font-size:15.5px;margin-bottom:12px}
footer a{color:#8FA3BE;text-decoration:none;display:block;margin-bottom:8px}
footer a:hover{color:var(--sun)}
footer .flogo{color:#fff;font-family:'Figtree';font-weight:800;font-size:19px;margin-bottom:10px;display:block}
footer .fdesc{font-size:13.5px;color:#8FA3BE;margin-bottom:14px;line-height:1.6}
footer .flegal{border-top:1px solid #263751;padding:18px 0;font-size:12.5px;color:#6E819C;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
footer .flegal a{display:inline;margin:0}
.social-links{display:flex;gap:10px;margin-top:8px}

.sticky-cta{display:none;position:fixed;left:0;right:0;bottom:0;background:var(--blue);color:#fff;padding:12px 18px;z-index:80;box-shadow:0 -4px 18px rgba(0,0,0,.18)}
.sticky-cta .wrap{display:flex;align-items:center;justify-content:space-between;padding:0;gap:12px}
.sticky-cta .sc-txt{font-size:12.5px;color:#BFD6F2}
.sticky-cta a.btn{padding:11px 20px;font-size:15px;white-space:nowrap}

.fab-call{display:none;position:fixed;right:26px;bottom:26px;width:56px;height:56px;border-radius:50%;background:var(--sun);color:var(--ink);align-items:center;justify-content:center;font-size:24px;text-decoration:none;box-shadow:0 10px 30px rgba(0,0,0,.25);z-index:80}

.crumb{color:var(--gray);font-size:13px;margin-bottom:12px}
.crumb a{color:var(--blue);text-decoration:none}
.chips{display:flex;gap:9px;margin-top:16px;flex-wrap:wrap}
.chip{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);color:#fff;font-size:13px;font-weight:600;padding:7px 14px;border-radius:100px}
.chip:before{content:"✔ ";color:var(--sun)}
.herocall{background:#fff;color:var(--ink);border-radius:16px;padding:22px;text-align:center;min-width:250px;box-shadow:0 24px 56px rgba(0,0,0,.25)}
.herocall .lbl{color:var(--gray);font-size:12px;text-transform:uppercase;letter-spacing:.08em;font-weight:600}
.herocall .num{font-family:'Figtree';font-weight:800;font-size:24px;color:var(--blue);margin:6px 0 12px}
.twocol{display:grid;grid-template-columns:1fr 335px;gap:40px;align-items:start}
.sidecard{background:#fff;border:1px solid var(--line);border-radius:16px;padding:26px;position:sticky;top:20px;box-shadow:0 22px 50px rgba(10,77,162,.12)}
.sidecard .toprib{background:var(--sun);color:var(--ink);font-weight:700;font-size:11.5px;text-transform:uppercase;letter-spacing:.06em;padding:5px 12px;border-radius:100px;display:inline-block;margin-bottom:12px}
.sidecard h3{font-size:19px;margin-bottom:6px}
.sidecard p{color:var(--gray);font-size:14px;margin-bottom:14px}
.sidecard .btn{display:block;text-align:center}
.sidecard ul{list-style:none;margin-top:14px;border-top:1px solid var(--line);padding-top:12px}
.sidecard li{font-size:14px;padding:5px 0}
.sidecard li:before{content:"✔ ";color:var(--blue);font-weight:700}
.sidecard .mini{margin-top:14px;background:var(--sky);border-radius:12px;padding:13px;font-size:12.5px;color:var(--gray)}
.sidecard .mini b{color:var(--blue-d)}
.boxgrid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.sign{background:var(--sky);border-radius:12px;padding:20px;border-left:4px solid var(--blue)}
.sec.alt .sign{background:#fff}
.sign h3{font-size:16px;margin-bottom:5px}
.sign p{font-size:14px;color:var(--gray)}
.steps4{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.stepc{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px;position:relative;overflow:hidden}
.sec.alt .stepc{border:none;box-shadow:0 8px 24px rgba(10,77,162,.07)}
.stepc:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.stepc .n{width:38px;height:38px;border-radius:50%;background:var(--sky);color:var(--blue);font-family:'Figtree';font-weight:800;font-size:17px;display:flex;align-items:center;justify-content:center;margin-bottom:10px}
.stepc h3{font-size:16.5px;margin-bottom:5px}
.stepc p{font-size:14px;color:var(--gray)}
.rel{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.rel a{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px;text-decoration:none;color:var(--ink);position:relative;overflow:hidden;display:block}
.rel a:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.rel a:hover{box-shadow:0 14px 34px rgba(10,77,162,.14)}
.rel b{font-family:'Figtree';font-size:15.5px;display:block;margin-bottom:4px}
.rel span{font-size:13.5px;color:var(--gray)}
.gcard h2{font-size:18px;font-family:'Figtree';margin:0}
.kick-top{margin-top:34px}
.narrow{max-width:760px;margin:0 auto}
.prose p{color:var(--gray);margin-top:10px}
.prose h2{margin-top:34px}
.link-blue{color:var(--blue);font-weight:700}
.stacked{flex-direction:column;align-items:flex-start;gap:14px;border-color:var(--blue)}
.full-btn{width:100%;text-align:center}
.big-num{font-size:26px}
.mt20{margin-top:20px}
.card-link{text-decoration:none;color:inherit;display:block}
footer .flogo img{vertical-align:middle;margin-right:8px;border-radius:4px}
.byline{color:var(--gray);font-size:13.5px;margin-top:6px}
.blogcard{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px;text-decoration:none;color:var(--ink);display:block;position:relative;overflow:hidden}
.blogcard:before{content:"";position:absolute;top:0;left:0;right:0;height:4px;background:var(--blue)}
.blogcard .tag{display:inline-block;background:var(--sky);color:var(--blue-d);font-size:11.5px;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:4px 10px;border-radius:100px;margin-bottom:10px}
.blogcard h3{font-size:19px;margin-bottom:8px}
.blogcard p{font-size:14px;color:var(--gray)}
.blogcard .readmore{color:var(--blue);font-weight:700;font-size:13.5px;display:block;margin-top:12px}
.pagehead{background:linear-gradient(160deg,var(--blue),var(--blue-d));color:#fff;padding:50px 0}
.pagehead .wrap{display:grid;grid-template-columns:1fr auto;gap:34px;align-items:center}
.pagehead .crumb{color:#BFD6F2}
.pagehead .crumb a{color:var(--sun)}
.pagehead h1{font-size:clamp(26px,3.6vw,36px);margin-bottom:12px}
.pagehead p{color:#BFD6F2;max-width:640px;font-size:16px}

@media(max-width:900px){
  .hero .wrap,.compare,.twocol,.boxgrid,.steps4{grid-template-columns:1fr}
  .cards,.factors,.rel{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .steps:before{display:none}
  footer .fgrid{grid-template-columns:1fr 1fr}
  .pagehead .wrap{grid-template-columns:1fr}
  .sec{padding:52px 0}
}
@media(max-width:768px){
  .navlinks{display:none}
  .hamburger{display:flex}
  .sticky-cta{display:block}
  .fab-call{display:none}
  body{padding-bottom:64px}
  footer .fgrid{grid-template-columns:1fr}
}
@media(min-width:769px){
  .fab-call{display:flex}
}