*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{
 --navy:#141428;--navy-2:#1c1c38;--navy-3:#252547;--ink:#0d0d1c;
 --gold:#D4A84B;--gold-2:#B8860B;--gold-lt:#E8C96A;--gold-soft:rgba(212,168,75,.12);
 --white:#fff;--paper:#F7F7FA;--line:#E4E4EE;
 --t1:#141428;--t2:#4a4a63;--t3:#7a7a93;
 --green:#1f8f5f;--red:#c0392b;
 --wrap:1140px;--wrap-narrow:760px;
 --r:10px;--r-lg:16px;
 --sh-sm:0 1px 2px rgba(20,20,40,.06),0 2px 8px rgba(20,20,40,.05);
 --sh:0 2px 6px rgba(20,20,40,.07),0 10px 30px rgba(20,20,40,.09);
 --sh-lg:0 8px 20px rgba(20,20,40,.10),0 24px 60px rgba(20,20,40,.14);
 --ff:'Georgia','Times New Roman',serif;
 --fb:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,'Helvetica Neue',Arial,sans-serif;
 --ease:cubic-bezier(.2,.7,.3,1);
}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:var(--fb);color:var(--t1);background:var(--white);line-height:1.65;font-size:17px;overflow-x:hidden}
img,svg{max-width:100%;display:block;height:auto}
/* inline icons: base size must be explicit or an unsized SVG fills its container */
svg.i{width:1.15em;height:1.15em;fill:currentColor;display:inline-block;vertical-align:-.18em;flex:none}
.btn svg.i{width:1.05em;height:1.05em}
.card>svg.i{width:26px;height:26px;fill:var(--gold-2);margin-top:2px}
.kicker svg.i{width:1em;height:1em;fill:var(--gold-2)}
.section--navy .kicker svg.i{fill:var(--gold-lt)}
h1 svg.i,h2 svg.i,h3 svg.i,h4 svg.i{width:1em;height:1em;fill:var(--gold-2);vertical-align:-.12em;margin-right:.35rem}
.card-lead h3 svg.i{fill:var(--gold-2)}
.trustline svg.i{width:16px;height:16px;fill:var(--green)}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:var(--ff);line-height:1.18;font-weight:700;letter-spacing:-.015em;color:var(--navy)}
h1{font-size:clamp(2rem,1.3rem + 3.2vw,3.5rem)}
h2{font-size:clamp(1.6rem,1.15rem + 2vw,2.5rem)}
h3{font-size:clamp(1.15rem,1rem + .7vw,1.45rem)}
p{margin-bottom:1rem}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 24px}
.narrow{max-width:var(--wrap-narrow)}
section{padding:clamp(56px,7vw,96px) 0}
.section--tight{padding:clamp(40px,5vw,64px) 0}
.section--paper{background:var(--paper)}
.section--navy{background:var(--navy);color:#fff}
.section--navy h1,.section--navy h2,.section--navy h3{color:#fff}
.kicker{font-family:var(--fb);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold-2);margin-bottom:.85rem}
.section--navy .kicker{color:var(--gold-lt)}
.lead{font-size:1.1rem;color:var(--t2);max-width:62ch}
.section--navy .lead,.section--navy p{color:rgba(255,255,255,.82)}
.center{text-align:center}
.center .lead{margin-left:auto;margin-right:auto}
.head{margin-bottom:clamp(32px,4vw,52px)}
.head.center{max-width:760px;margin-left:auto;margin-right:auto}
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
@media(max-width:900px){.g3,.g4{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:620px){.g2,.g3,.g4{grid-template-columns:1fr}}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.55rem;padding:1rem 1.6rem;
 font-family:var(--fb);font-weight:700;font-size:1rem;border:0;border-radius:var(--r);cursor:pointer;
 transition:transform .18s var(--ease),box-shadow .18s var(--ease),background .18s;text-align:center;line-height:1.2}
.btn-gold{background:var(--gold);color:#1a1a2e;box-shadow:0 4px 14px rgba(212,168,75,.35)}
.btn-gold:hover{background:var(--gold-lt);transform:translateY(-2px);box-shadow:0 8px 22px rgba(212,168,75,.42)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-3);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:var(--navy);border:2px solid var(--line)}
.btn-ghost:hover{border-color:var(--gold);background:var(--gold-soft)}
.section--navy .btn-ghost{color:#fff;border-color:rgba(255,255,255,.28)}
.section--navy .btn-ghost:hover{background:rgba(255,255,255,.1);border-color:var(--gold)}
.btn-lg{padding:1.15rem 2rem;font-size:1.08rem}
.btn-block{display:flex;width:100%}
.btns{display:flex;flex-wrap:wrap;gap:14px}
.center .btns{justify-content:center}

/* header */
.top{background:var(--navy);color:rgba(255,255,255,.85);font-size:.85rem;padding:.5rem 0}
.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;flex-wrap:wrap}
.top a{color:#fff;font-weight:600}
.top a:hover{color:var(--gold-lt)}
.top-badges{display:flex;gap:20px;flex-wrap:wrap}
.top-badges span{display:flex;align-items:center;gap:.4rem}
@media(max-width:700px){.top-badges{display:none}}
/* on phones the sticky call bar owns the phone number — the utility bar is redundant */
@media(max-width:760px){.top{display:none}}
/* reserve room for the fixed call bar so it never covers page content */
@media(max-width:760px){body{padding-bottom:76px}}
header.site{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:74px}
.logo{display:flex;align-items:center;gap:.6rem;font-family:var(--ff);font-weight:700;font-size:1.15rem;color:var(--navy)}
.logo img{height:38px;width:auto}
nav.main{display:flex;align-items:center;gap:24px}
nav.main a{font-size:.95rem;font-weight:500;color:var(--t2);position:relative;padding:.35rem 0}
nav.main a:hover{color:var(--navy)}
nav.main a::after{content:"";position:absolute;left:0;right:100%;bottom:0;height:2px;background:var(--gold);transition:right .25s var(--ease)}
nav.main a:hover::after{right:0}
.btn-call{display:inline-flex;align-items:center;gap:.5rem;background:var(--gold);color:#1a1a2e;font-weight:700;
 padding:.7rem 1.15rem;border-radius:var(--r);font-size:.95rem;white-space:nowrap}
.btn-call:hover{background:var(--gold-lt)}
.burger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.burger span{display:block;width:24px;height:2px;background:var(--navy);margin:5px 0;transition:.25s}
@media(max-width:1000px){
 nav.main{position:fixed;inset:74px 0 auto 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;
  padding:8px 24px 24px;border-bottom:1px solid var(--line);box-shadow:var(--sh);transform:translateY(-130%);transition:transform .3s var(--ease);max-height:calc(100vh - 74px);overflow:auto}
 nav.main.open{transform:translateY(0)}
 nav.main a{padding:1rem 0;border-bottom:1px solid var(--line);font-size:1.05rem}
 .burger{display:block}
}
@media(max-width:420px){header.site .wrap{height:64px}nav.main{inset:64px 0 auto 0}}

/* hero */
.hero{position:relative;background:linear-gradient(155deg,#101022 0%,#191938 45%,#22224a 100%);color:#fff;padding:clamp(60px,8vw,104px) 0 clamp(64px,8vw,100px);overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:
 radial-gradient(720px 420px at 12% -10%,rgba(212,168,75,.16),transparent 65%),
 radial-gradient(620px 520px at 96% 108%,rgba(212,168,75,.10),transparent 60%);pointer-events:none}
.hero .wrap{position:relative;z-index:2}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:clamp(32px,5vw,64px);align-items:center}
@media(max-width:960px){.hero-grid{grid-template-columns:1fr;gap:40px}}
.hero h1{color:#fff;margin-bottom:1.1rem}
.hero h1 em{font-style:normal;color:var(--gold-lt);display:block}
.hero p.lead{color:rgba(255,255,255,.86);font-size:1.14rem;max-width:56ch;margin-bottom:1.6rem}
.hero-badges{display:flex;flex-wrap:wrap;gap:10px;margin:1.5rem 0 0}
.hero-badges span{display:inline-flex;align-items:center;gap:.4rem;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);
 padding:.42rem .8rem;border-radius:999px;font-size:.84rem;color:rgba(255,255,255,.92)}
.hero-badges svg{width:15px;height:15px;fill:var(--gold-lt);flex:none}

/* DESKTOP: the homepage offer hero fills exactly one screen so the next section
   sits just below the fold. Chrome above the hero = 38px .top bar + 75px sticky
   header = 113px, so the hero is (100dvh - 113px). Everything inside the card
   scales with viewport HEIGHT (vh clamps) so short laptops (768px) still fit. */
@media(min-width:961px){
.hero-screen{min-height:calc(100vh - 113px);min-height:calc(100dvh - 113px);display:flex;align-items:center;padding:clamp(24px,3.2vh,84px) 0}
.hero-screen .wrap{width:100%}
.hero-screen h1{font-size:clamp(30px,min(3.6vw,4.4vh),54px)}
.hero-screen p.lead{font-size:clamp(1rem,min(1.05vw,1.5vh),1.14rem);margin-bottom:clamp(12px,1.8vh,26px)}
.hero-screen .hero-badges{margin-top:clamp(10px,2vh,24px)}
.hero-screen .card-lead{padding:clamp(18px,2.6vh,32px)}
.hero-screen .card-lead h3{font-size:clamp(1.05rem,1.7vh,1.35rem)}
.hero-screen .card-lead .sub{font-size:clamp(.8rem,1.4vh,.92rem);margin-bottom:clamp(10px,1.6vh,19px)}
.hero-screen .field{margin-bottom:clamp(6px,1.3vh,13.6px)}
.hero-screen .field label{font-size:clamp(.72rem,1.3vh,.8rem);margin-bottom:clamp(3px,.5vh,5px)}
.hero-screen .field input,.hero-screen .field select{padding:clamp(8px,1.4vh,13.6px) 16px}
.hero-screen .consent{margin-bottom:clamp(8px,1.5vh,14.4px);font-size:clamp(.7rem,1.25vh,.74rem)}
.hero-screen .btn{padding:clamp(.7rem,1.7vh,1rem) 1.6rem}
.hero-screen .form-note{margin-top:clamp(6px,1.1vh,11px)}
}
/* short desktop/laptop screens (<=820px tall): trim the card a little harder so
   the hero still lands exactly on the fold instead of pushing past it */
@media(min-width:961px) and (max-height:820px){
.hero-screen{padding:20px 0}
.hero-screen h1{font-size:clamp(28px,4.2vh,34px)}
.hero-screen p.lead{font-size:.98rem;line-height:1.55;margin-bottom:10px}
.hero-screen .hero-badges{margin-top:10px}
.hero-screen .card-lead{padding:16px 18px}
.hero-screen .card-lead h3{font-size:1.08rem}
.hero-screen .card-lead .sub{font-size:.82rem;margin-bottom:8px}
.hero-screen .field{margin-bottom:5px}
.hero-screen .field label{margin-bottom:2px}
.hero-screen .field input,.hero-screen .field select{padding:6px 14px;font-size:.95rem}
.hero-screen .consent{font-size:.68rem;line-height:1.35;margin-bottom:8px}
.hero-screen .btn{padding:.6rem 1.4rem}
.hero-screen .form-note{font-size:.72rem;margin-top:6px}
}

/* lead card */
.card-lead{background:#fff;border-radius:var(--r-lg);padding:clamp(22px,3vw,32px);box-shadow:var(--sh-lg);color:var(--t1)}
/* copy-left / form-right band used on inner pages */
.band-form{grid-template-columns:1fr 1fr;align-items:center;gap:clamp(28px,4vw,56px)}
@media(max-width:900px){.band-form{grid-template-columns:1fr;gap:28px}}
.card-lead h3{margin-bottom:.35rem;font-size:1.35rem}
.card-lead .sub{font-size:.92rem;color:var(--t3);margin-bottom:1.2rem}
.field{margin-bottom:.85rem}
.field label{display:block;font-size:.8rem;font-weight:700;color:var(--t2);margin-bottom:.3rem;letter-spacing:.02em}
.field input,.field select,.field textarea{width:100%;padding:.85rem 1rem;font-size:1rem;font-family:var(--fb);
 border:1.5px solid var(--line);border-radius:var(--r);background:#fcfcfe;color:var(--t1);transition:border-color .18s,box-shadow .18s}
.field input:focus,.field select:focus,.field textarea:focus{outline:0;border-color:var(--gold);background:#fff;box-shadow:0 0 0 4px var(--gold-soft)}
.field textarea{min-height:88px;resize:vertical}
.form-note{font-size:.78rem;color:var(--t3);margin-top:.7rem;text-align:center;line-height:1.45}
.consent{display:flex;gap:.6rem;align-items:flex-start;margin:.2rem 0 .9rem;cursor:pointer;
  font-size:.74rem;line-height:1.45;color:var(--t3)}
.consent input{flex:0 0 auto;width:17px;height:17px;margin:.1rem 0 0;accent-color:var(--gold);cursor:pointer}
.consent span{display:block}
.consent input:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.form-ok{display:none;text-align:center;padding:14px 4px}
.form-ok.show{display:block}
.form-ok .tick{width:54px;height:54px;border-radius:50%;background:#eaf7f0;color:var(--green);display:flex;align-items:center;justify-content:center;margin:0 auto .9rem;font-size:1.6rem}
.form-ok h4{margin-bottom:.4rem}
.form-ok p{font-size:.95rem;color:var(--t2)}
.err{color:var(--red);font-size:.82rem;margin-top:.6rem;display:none}
.err.show{display:block}

/* trust strip */
.trust{background:var(--paper);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:26px 0}
.trust .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
@media(max-width:820px){.trust .wrap{grid-template-columns:repeat(2,1fr)}}
.trust .item{display:flex;gap:.75rem;align-items:flex-start}
.trust .ico{width:38px;height:38px;border-radius:10px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;flex:none}
.trust .ico svg{width:20px;height:20px;fill:var(--gold-2)}
.trust b{display:block;font-size:.95rem;font-family:var(--fb);color:var(--navy)}
.trust small{color:var(--t3);font-size:.83rem;line-height:1.4;display:block}

/* cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:clamp(20px,2.4vw,28px);transition:transform .22s var(--ease),box-shadow .22s var(--ease),border-color .22s}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh);border-color:rgba(212,168,75,.5)}
.card .ico{width:46px;height:46px;border-radius:12px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;margin-bottom:1rem}
.card .ico svg{width:24px;height:24px;fill:var(--gold-2)}
.card h3{margin-bottom:.5rem;font-size:1.16rem}
.card p{font-size:.95rem;color:var(--t2);margin:0}
.card a.more{display:inline-flex;align-items:center;gap:.35rem;margin-top:.9rem;font-weight:600;font-size:.9rem;color:var(--gold-2)}
.card a.more:hover{gap:.6rem}
.section--navy .card{background:rgba(255,255,255,.05);border-color:rgba(255,255,255,.12)}
.section--navy .card h3{color:#fff}.section--navy .card p{color:rgba(255,255,255,.78)}
.section--navy .card .ico{background:rgba(212,168,75,.16)}

/* steps */
.steps{counter-reset:s;display:grid;gap:26px;grid-template-columns:repeat(3,1fr)}
@media(max-width:860px){.steps{grid-template-columns:1fr}}
.step{position:relative;padding-left:0}
.step .n{width:46px;height:46px;border-radius:50%;background:var(--navy);color:var(--gold-lt);font-weight:700;
 display:flex;align-items:center;justify-content:center;font-size:1.15rem;margin-bottom:1rem;font-family:var(--ff)}
.step h3{margin-bottom:.4rem}
.step p{color:var(--t2);font-size:.95rem;margin:0}
.section--navy .step .n{background:var(--gold);color:#1a1a2e}

/* compare table */
.tbl{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--r-lg);overflow:hidden;box-shadow:var(--sh-sm);font-size:.95rem}
.tbl th,.tbl td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line)}
.tbl thead th{background:var(--navy);color:#fff;font-family:var(--fb);font-size:.82rem;text-transform:uppercase;letter-spacing:.08em}
.tbl thead th:nth-child(2){background:#1d1d3d;color:var(--gold-lt)}
.tbl td:first-child{font-weight:600;color:var(--navy);width:36%}
.tbl tbody tr:last-child td{border-bottom:0}
.tbl .no{color:var(--red)}.tbl .yes{color:var(--green);font-weight:600}
.tbl-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
@media(max-width:640px){.tbl{font-size:.86rem}.tbl th,.tbl td{padding:11px 10px}.tbl td:first-child{width:42%}}

/* faq */
.faq{max-width:820px;margin:0 auto}
.faq details{border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;background:#fff;overflow:hidden}
.faq details[open]{border-color:rgba(212,168,75,.55);box-shadow:var(--sh-sm)}
.faq summary{padding:1.1rem 1.3rem;font-weight:600;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px;align-items:center;font-family:var(--fb)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold-2);font-size:1.4rem;font-weight:400;line-height:1;flex:none}
.faq details[open] summary::after{content:"–"}
.faq .a{padding:0 1.3rem 1.2rem;color:var(--t2);font-size:.97rem}
.faq .a p:last-child{margin-bottom:0}

/* reviews */
.rev{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:24px;display:flex;flex-direction:column;gap:.7rem}
.rev .stars{color:var(--gold);letter-spacing:2px;font-size:1rem}
.rev q{font-style:italic;color:var(--t2);font-size:.97rem;quotes:"\201C" "\201D"}
.rev .who{font-weight:700;font-size:.9rem;color:var(--navy);margin-top:auto}
.rev .meta{font-size:.8rem;color:var(--t3)}
.rev-empty{border:1px dashed rgba(212,168,75,.6);background:var(--gold-soft);border-radius:var(--r-lg);padding:clamp(22px,3vw,34px);text-align:center}
.rev-empty h3{margin-bottom:.5rem}
.rev-empty p{color:var(--t2);max-width:60ch;margin:0 auto}

/* ghost buttons sitting on DARK surfaces (hero, CTA band, LP hero) —
   the default .btn-ghost is navy text for light backgrounds and vanishes there */
.hero .btn-ghost,.band .btn-ghost,.lp-hero .btn-ghost{color:#fff;border-color:rgba(255,255,255,.32)}
.hero .btn-ghost:hover,.band .btn-ghost:hover,.lp-hero .btn-ghost:hover{background:rgba(255,255,255,.12);border-color:var(--gold);color:#fff}

/* footer: the generic link-hover colour (gold-lt) also hit buttons, so a gold
   button's label turned gold-on-gold and disappeared — pin the button colours */
footer.site a.btn-gold:hover,footer.site .btn-gold:hover{color:#1a1a2e}
footer.site a.btn-dark:hover,footer.site .btn-dark:hover{color:#fff}

/* nationwide coverage grid */
.states{display:grid;grid-template-columns:repeat(auto-fill,minmax(158px,1fr));gap:10px;margin-top:1.2rem}
.state{display:flex;align-items:center;gap:.5rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);
 padding:10px 14px;font-size:.92rem;font-weight:600;color:var(--t1)}
.state svg.i{width:15px;height:15px;fill:var(--green);flex:none}
.state--partner{background:var(--paper);color:var(--t2);font-weight:500}
.state--partner svg.i{fill:var(--gold-2)}
@media(max-width:560px){.states{grid-template-columns:1fr 1fr;gap:8px}.state{padding:9px 11px;font-size:.85rem}}

/* promise / review slider */
.rslider{position:relative;margin-top:2.2rem}
.rtrack{display:flex;gap:22px;overflow-x:auto;scroll-snap-type:x mandatory;scroll-behavior:smooth;
 padding:4px 2px 16px;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.rtrack::-webkit-scrollbar{display:none}
.rslide{flex:0 0 calc((100% - 44px)/3);scroll-snap-align:start;display:flex}
.rcard{background:#fff;border:1px solid var(--line);border-radius:var(--r-lg);padding:26px 24px;width:100%;
 display:flex;flex-direction:column;gap:.7rem;box-shadow:var(--sh-sm)}
.rcard .ricon{width:44px;height:44px;border-radius:12px;background:var(--gold-soft);display:flex;align-items:center;justify-content:center;flex:none}
.rcard .ricon svg.i{width:22px;height:22px;fill:var(--gold-2)}
.rcard .rtag{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--t3);font-weight:700}
.rcard h3{font-family:var(--fb);font-size:1.05rem;margin:0}
.rcard p{margin:0;color:var(--t2);font-size:.95rem}
.rnav{display:flex;align-items:center;justify-content:center;gap:16px;margin-top:.4rem}
.rarrow{width:44px;height:44px;border-radius:50%;border:1px solid var(--line);background:#fff;color:var(--navy);
 font-size:1.15rem;line-height:1;cursor:pointer;display:flex;align-items:center;justify-content:center;
 transition:border-color .2s var(--ease),background .2s var(--ease),transform .2s var(--ease)}
.rarrow:hover{border-color:var(--gold);background:var(--gold-soft);transform:translateY(-1px)}
.rdots{display:flex;align-items:center;gap:8px}
.rdot{width:9px;height:9px;border-radius:50%;border:0;background:var(--line);padding:0;cursor:pointer;
 transition:background .25s var(--ease),width .25s var(--ease)}
.rdot.on{background:var(--gold);width:26px;border-radius:5px}
@media(max-width:980px){.rslide{flex-basis:calc((100% - 22px)/2)}}
@media(max-width:680px){.rslide{flex-basis:84%}.rcard{padding:22px 20px}}

/* cta band */
.band{background:linear-gradient(135deg,#141428,#23234a);color:#fff;border-radius:var(--r-lg);padding:clamp(30px,4vw,52px);position:relative;overflow:hidden}
.band::after{content:"";position:absolute;right:-80px;top:-80px;width:320px;height:320px;border-radius:50%;background:radial-gradient(circle,rgba(212,168,75,.22),transparent 70%)}
.band .inner{position:relative;z-index:2;display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center}
@media(max-width:820px){.band .inner{grid-template-columns:1fr}}
.band h2{color:#fff;margin-bottom:.6rem}
.band p{color:rgba(255,255,255,.82);margin:0}

/* prose */
.prose{max-width:820px}
.prose h2{margin:2.2rem 0 .9rem;font-size:clamp(1.35rem,1.1rem + 1.2vw,1.9rem)}
.prose h3{margin:1.7rem 0 .6rem}
.prose ul,.prose ol{margin:0 0 1.2rem 1.3rem}
.prose li{margin-bottom:.5rem;color:var(--t2)}
.prose p{color:var(--t2)}
.prose strong{color:var(--navy)}
.callout{border-left:4px solid var(--gold);background:var(--paper);padding:1.1rem 1.3rem;border-radius:0 var(--r) var(--r) 0;margin:1.6rem 0}
.callout p:last-child{margin:0}

/* footer */
footer.site{background:var(--navy);color:rgba(255,255,255,.72);padding:clamp(44px,5vw,68px) 0 0;font-size:.93rem}
footer.site h4{color:#fff;font-family:var(--fb);font-size:.82rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:1rem}
footer.site a:hover{color:var(--gold-lt)}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:34px}
@media(max-width:900px){.fgrid{grid-template-columns:1fr 1fr;gap:28px}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}}
.fgrid ul{list-style:none;margin:0}
.fgrid li{margin-bottom:.55rem}
.fbot{border-top:1px solid rgba(255,255,255,.12);margin-top:clamp(32px,4vw,50px);padding:22px 0;
 display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.84rem;color:rgba(255,255,255,.55)}
.legal-note{font-size:.78rem;color:rgba(255,255,255,.5);line-height:1.6;margin-top:1rem}

/* sticky mobile call bar */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:80;display:none;grid-template-columns:1fr 1fr;
 background:rgba(255,255,255,.98);border-top:1px solid var(--line);box-shadow:0 -6px 24px rgba(20,20,40,.12);
 padding:9px 10px calc(9px + env(safe-area-inset-bottom))}
.callbar a{display:flex;align-items:center;justify-content:center;gap:.45rem;padding:.95rem .5rem;border-radius:var(--r);
 font-weight:700;font-size:.95rem}
.callbar .c1{background:var(--gold);color:#1a1a2e}
.callbar .c2{background:var(--navy);color:#fff}
.callbar svg{width:17px;height:17px;fill:currentColor}
@media(max-width:760px){.callbar{display:grid}body{padding-bottom:76px}}

/* lp (paid landing page) — minimal chrome */
body.lp header.site{box-shadow:0 2px 10px rgba(20,20,40,.06)}
body.lp .steps{grid-template-columns:1fr;gap:18px}
.lp-hero{padding:clamp(36px,5vw,64px) 0}
/* LP proof row — sits under both hero columns, so the form stays above the fold on mobile */
.lp-proof{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:18px 26px;margin-top:2.4rem;
  padding-top:1.6rem;border-top:1px solid rgba(255,255,255,.12)}
.lp-proof div{display:flex;gap:.6rem;align-items:flex-start}
.lp-proof svg{width:22px;height:22px;fill:var(--gold-lt);flex:none;margin-top:2px}
.lp-proof b{display:block;font-size:.95rem;font-family:var(--fb);color:#fff;letter-spacing:.01em}
.lp-proof small{color:rgba(255,255,255,.74);font-size:.85rem;line-height:1.45;display:block}
@media(max-width:760px){.lp-proof{grid-template-columns:1fr;gap:14px}}
/* phones: tighten the hero so the offer form (and its submit button) sit above the fold */
@media(max-width:760px){
  body.lp .lp-hero{padding:10px 0 22px}
  body.lp .lp-hero .hero-grid{gap:16px}
  body.lp .lp-hero h1{font-size:1.5rem;line-height:1.22}
  body.lp .lp-hero .lead{display:none}
  body.lp .card-lead{padding:16px 15px;border-radius:16px}
  body.lp .card-lead h3{font-size:1.05rem}
  body.lp .card-lead .sub{display:none}
  body.lp .lp-proof{margin-top:1.6rem;padding-top:1.1rem}
  .field{margin-bottom:.5rem}
  .field label{margin-bottom:.2rem;font-size:.76rem}
  .field input,.field select,.field textarea{padding:.68rem .85rem}
}
.trustline{display:flex;flex-wrap:wrap;gap:8px 22px;justify-content:center;padding:16px 0;font-size:.85rem;color:var(--t2)}
.trustline span{display:flex;align-items:center;gap:.4rem}
.trustline svg{width:15px;height:15px;fill:var(--green)}
body.lp .tbl td:first-child{width:42%}
.tiny{font-size:.78rem;color:var(--t3)}
.skip{position:absolute;left:-9999px}
.skip:focus{left:16px;top:8px;background:#fff;padding:10px 14px;border-radius:8px;z-index:999;box-shadow:var(--sh)}