:root{
  --navy:#16324f; --navy-2:#0f2540; --blue:#2f6fb0; --sky:#eaf2fb; --cream:#fbf6ee;
  --orange:#f08a24; --orange-d:#d9741a; --green:#3f9b6b;
  --ink:#1a2433; --muted:#5d6b7d; --line:#e3e8ef; --bg:#ffffff;
  --radius:16px; --shadow:0 20px 50px rgba(15,37,64,.16);
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Manrope',system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);font-size:16.5px;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3{font-family:'Fraunces',Georgia,serif;font-weight:600;letter-spacing:-.4px;line-height:1.15;margin:0}
.container{max-width:1160px;margin:0 auto;padding:0 20px}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.2) blur(8px);border-bottom:1px solid var(--line)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;height:70px;gap:16px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:19px;letter-spacing:-.3px}
.logo img{width:36px;height:36px}
.logo span b{color:var(--orange);font-weight:800}
.nav{display:flex;align-items:center;gap:24px}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:15px}
.nav a:hover{color:var(--blue)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:999px;font-family:inherit;font-weight:800;cursor:pointer;text-decoration:none;transition:transform .08s,filter .15s}
.btn:active{transform:scale(.98)}
.btn-orange{background:var(--orange);color:#fff;box-shadow:0 10px 24px rgba(240,138,36,.35)}
.btn-orange:hover{filter:brightness(1.05)}
.btn-sm{padding:11px 20px;font-size:15px}
.menu-btn{display:none;background:none;border:0;padding:8px;cursor:pointer}

/* ---------- hero ---------- */
.hero{position:relative;overflow:hidden;background:linear-gradient(160deg,#1c4470 0%,var(--navy) 55%,var(--navy-2) 100%);color:#fff}
.hero::before{content:"";position:absolute;inset:auto 0 0 0;height:320px;background:url(img/neighborhood.svg) bottom center/cover no-repeat;opacity:1;pointer-events:none}
.hero::after{content:"";position:absolute;width:520px;height:520px;right:-140px;top:-160px;border-radius:50%;background:radial-gradient(circle,rgba(240,138,36,.28),rgba(240,138,36,0) 70%);pointer-events:none}
.hero .container{position:relative;z-index:1;display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:center;padding-top:64px;padding-bottom:84px}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:13px;font-weight:800;letter-spacing:.8px;text-transform:uppercase;color:#ffd2a4;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:7px 13px;border-radius:999px}
.hero h1{font-size:clamp(34px,5vw,54px);margin:18px 0 14px}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero .lead{font-size:18.5px;color:#d3e0f0;max-width:540px;margin:0 0 26px}
.checks{display:flex;flex-wrap:wrap;gap:10px 22px;margin:22px 0 0;padding:0;list-style:none;color:#e3ecf7;font-weight:600;font-size:15px}
.checks li{display:flex;align-items:center;gap:8px}
.checks svg{flex:0 0 auto}
.hero-art{position:relative}
.hero-art img{width:100%;filter:drop-shadow(0 30px 40px rgba(0,0,0,.25))}

/* ---------- quote widget ---------- */
.qw{background:#fff;color:var(--ink);border-radius:20px;box-shadow:var(--shadow);padding:26px 24px 22px;max-width:460px}
.qw-title{font-family:'Fraunces',Georgia,serif;font-size:22px;font-weight:600;text-align:center;margin:0 0 4px}
.qw-hint{color:var(--muted);text-align:center;margin:0 0 18px;font-size:15px}
.qw-prog{display:flex;gap:6px;margin-bottom:18px}
.qw-prog i{flex:1;height:5px;border-radius:9px;background:var(--line)}
.qw-prog i.on{background:var(--orange)}
.qw-step{display:none}
.qw-step.on{display:block;animation:qwIn .25s ease}
@keyframes qwIn{from{opacity:0;transform:translateY(6px)}to{opacity:1;transform:none}}
.qw-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.qw-opt{display:flex;align-items:center;justify-content:center;gap:9px;min-height:56px;padding:10px;border:2px solid var(--line);border-radius:12px;background:#fff;font-family:inherit;font-weight:700;font-size:15.5px;color:var(--ink);cursor:pointer;transition:border-color .15s,background .15s}
.qw-opt:hover{border-color:var(--blue);background:#f4f8fd}
.qw-opt.big{min-height:66px;font-size:18px}
.qw-zip{position:relative}
.qw-zip svg{position:absolute;left:16px;top:50%;transform:translateY(-50%)}
.qw-zip input{width:100%;height:60px;border:2px solid var(--line);border-radius:12px;padding:0 16px 0 46px;font-family:inherit;font-weight:800;font-size:22px;letter-spacing:3px;color:var(--ink);outline:none}
.qw-zip input:focus{border-color:var(--blue);box-shadow:0 0 0 4px rgba(47,111,176,.14)}
.qw-err{color:#c0392b;font-size:14px;min-height:20px;margin:8px 2px 0}
.qw-go{width:100%;height:60px;margin-top:6px;font-size:19px;border-radius:12px}
.qw-back{display:block;margin:12px auto 0;background:none;border:0;color:var(--muted);font-family:inherit;font-weight:600;font-size:14px;cursor:pointer}
.qw-spin{width:46px;height:46px;border-radius:50%;border:4px solid var(--line);border-top-color:var(--blue);margin:6px auto 16px;animation:qwSp .9s linear infinite}
@keyframes qwSp{to{transform:rotate(360deg)}}
.qw-note{background:#fff7ef;border:1px solid #f6d4b3;color:#9a4a12;border-radius:12px;padding:14px;font-size:15px;line-height:1.5;text-align:center;margin:0}
.qw-alts{margin-top:14px}
.qw-alts p{color:var(--muted);text-align:center;margin:0 0 10px;font-size:14.5px}
.qw-trust{display:flex;justify-content:center;gap:16px;flex-wrap:wrap;margin-top:16px;color:var(--muted);font-size:13px;font-weight:700}
.qw-trust span{display:inline-flex;align-items:center;gap:5px}
.qw-legal{color:#8592a3;font-size:11.5px;line-height:1.5;text-align:center;margin:12px 0 0}

/* ---------- sections ---------- */
section{padding:84px 0}
.section-head{text-align:center;max-width:680px;margin:0 auto 44px}
.section-head .tag{display:inline-block;color:var(--orange-d);font-weight:800;font-size:13px;letter-spacing:.9px;text-transform:uppercase;margin-bottom:10px}
.section-head h2{font-size:clamp(28px,3.6vw,40px);color:var(--navy)}
.section-head p{color:var(--muted);font-size:17.5px;margin:12px 0 0}
.alt{background:var(--cream)}
.sky{background:var(--sky)}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-4px);box-shadow:0 16px 36px rgba(15,37,64,.12)}
.card img{width:100%;aspect-ratio:36/26;object-fit:cover}
.card .body{padding:18px 20px 20px;display:flex;flex-direction:column;gap:6px;flex:1}
.card h3{font-size:21px;color:var(--navy)}
.card p{margin:0;color:var(--muted);font-size:15px}
.card .more{margin-top:auto;padding-top:10px;color:var(--orange-d);font-weight:800;font-size:15px}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;position:relative}
.step .n{width:46px;height:46px;border-radius:14px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:19px;margin-bottom:16px}
.step h3{font-size:21px;color:var(--navy);margin-bottom:6px}
.step p{margin:0;color:var(--muted)}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.split h2{font-size:clamp(28px,3.4vw,38px);color:var(--navy);margin-bottom:14px}
.split p{color:var(--muted);font-size:17px}
.split .art{background:#fff;border-radius:22px;padding:18px;box-shadow:0 18px 40px rgba(15,37,64,.10)}
.split .art img{border-radius:14px;width:100%}

.ticks{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:14px}
.ticks li{display:flex;gap:12px;align-items:flex-start}
.ticks .ic{flex:0 0 30px;height:30px;border-radius:50%;background:#e4f3eb;display:grid;place-items:center;margin-top:1px}
.ticks b{display:block;color:var(--ink)}
.ticks span{color:var(--muted);font-size:15.5px}

.factors{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.factor{background:#fff;border-radius:var(--radius);padding:22px 22px 20px;border:1px solid var(--line)}
.factor h3{font-family:'Manrope',sans-serif;font-weight:800;font-size:17px;color:var(--navy);letter-spacing:0;margin-bottom:6px;display:flex;gap:10px;align-items:center}
.factor h3 i{width:10px;height:10px;border-radius:50%;background:var(--orange);display:inline-block}
.factor p{margin:0;color:var(--muted);font-size:15.5px}

.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:8px}
.stat{text-align:center;padding:22px 12px;border-radius:var(--radius);background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12)}
.stat b{display:block;font-family:'Fraunces',serif;font-size:30px;color:#fff;font-weight:600}
.stat span{color:#c8d6e8;font-size:14.5px}

.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;list-style:none;font-weight:800;font-size:17px;padding:16px 28px 16px 0;position:relative;color:var(--navy)}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:12px;font-size:24px;color:var(--orange);font-weight:700}
.faq details[open] summary::after{content:"\2013"}
.faq details p{margin:0 0 18px;color:var(--muted)}

.cta{background:linear-gradient(135deg,var(--navy) 0%,#1d4b7a 100%);color:#fff;border-radius:24px;padding:48px 40px;display:grid;grid-template-columns:1.4fr 1fr;gap:30px;align-items:center;position:relative;overflow:hidden}
.cta::after{content:"";position:absolute;right:-60px;bottom:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(240,138,36,.35),rgba(240,138,36,0) 70%)}
.cta h2{font-size:clamp(26px,3.2vw,36px)}
.cta p{color:#cfdcec;margin:10px 0 0}
.cta .actions{display:flex;justify-content:flex-end;position:relative;z-index:1}
.cta .btn{padding:17px 30px;font-size:17px}

.chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.chips a{border:1px solid var(--line);background:#fff;border-radius:999px;padding:9px 16px;text-decoration:none;color:var(--navy);font-weight:700;font-size:14.5px}
.chips a:hover{border-color:var(--blue)}

/* ---------- footer ---------- */
.site-footer{background:var(--navy-2);color:#b9c7d8;padding:56px 0 30px;font-size:14px}
.site-footer .top{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:36px;padding-bottom:32px;border-bottom:1px solid rgba(255,255,255,.1)}
.site-footer .logo{color:#fff;margin-bottom:12px}
.site-footer h4{color:#fff;font-size:14px;letter-spacing:.6px;text-transform:uppercase;margin:4px 0 12px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer a{color:#b9c7d8;text-decoration:none}
.site-footer a:hover{color:#fff}
.site-footer .legal{padding-top:22px;font-size:12.5px;line-height:1.7;color:#91a2b8}
.site-footer .legal p{margin:0 0 10px}

/* ---------- legal pages ---------- */
.doc{max-width:820px;margin:0 auto;padding:56px 20px 80px}
.doc h1{font-size:40px;color:var(--navy);margin-bottom:6px}
.doc h2{font-size:22px;color:var(--navy);margin:30px 0 8px}
.doc p,.doc li{color:#3d4a5c}

/* ---------- responsive ---------- */
@media (max-width:960px){
  .hero .container{grid-template-columns:1fr;gap:30px;padding-top:40px}
  .hero-art{display:none}
  .qw{margin:0 auto}
  .cards{grid-template-columns:repeat(2,1fr)}
  .split{grid-template-columns:1fr;gap:30px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .cta{grid-template-columns:1fr;text-align:center;padding:40px 24px}
  .cta .actions{justify-content:center}
  .site-footer .top{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .nav{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 18px;border-bottom:1px solid var(--line);gap:0}
  .nav.open{display:flex}
  .nav a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav .btn{margin-top:12px;border-bottom:0}
  .menu-btn{display:block}
  section{padding:60px 0}
  .cards,.steps,.factors{grid-template-columns:1fr}
  .site-footer .top{grid-template-columns:1fr}
  .hero .lead{font-size:17px}
  .qw{padding:22px 16px 18px}
}