:root{--bg:#F2F1EC;--paper:#FFFFFF;--ink:#1A1F2B;--body:#4A505C;--muted:#5E6470;--line:#CFCCC2;--field:#B9B5A8;--navy:#1E2B45;--navy-d:#141E33;--soft:#E6E8EC;--soft2:#F0F2F5;--tint:#EEF0F3;--accent:#7A2E2E;--err:#9B2C2C;--on-dark:#D3D9E4;--serif:'Newsreader',Georgia,serif;--sans:'Public Sans',system-ui,-apple-system,sans-serif}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:104px}
body{margin:0;background:var(--bg);color:var(--ink);font-family:var(--sans);font-size:16px;line-height:1.55;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}a:hover{color:var(--navy-d)}
img,svg{max-width:100%}
input,select,button,textarea{font-family:inherit}
h1,h2,h3{text-wrap:balance}p{text-wrap:pretty}
.wrap{max-width:1200px;margin:0 auto;padding:0 32px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:10}
.serif{font-family:var(--serif);font-weight:500}
.eyebrow{margin:0 0 12px;font-size:14px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent)}
.lead{font-size:19px;color:var(--body);margin:0 0 28px;max-width:600px}
.muted{color:var(--muted)}
.h1{font-family:var(--serif);font-weight:500;font-size:60px;line-height:1.04;letter-spacing:-.02em;margin:0 0 22px}
.h2{font-family:var(--serif);font-weight:500;font-size:44px;line-height:1.1;margin:0 0 14px}
.h3{font-family:var(--serif);font-weight:500;font-size:26px;line-height:1.2;margin:0 0 10px}
.section{padding-top:88px;padding-bottom:88px}.section-tight{padding-top:56px;padding-bottom:56px}
.sub{font-size:18px;color:var(--body);margin:0 0 40px;max-width:680px}

/* Buttons */
.btn{display:inline-block;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:15px 28px;font-size:16px;font-weight:600;text-decoration:none;cursor:pointer;text-align:center}
.btn:hover{background:var(--navy-d);color:#fff}
.btn-pill{border-radius:999px;padding:11px 22px;font-size:15px}
.btn-block{display:block;width:100%;padding:17px;font-size:17px}
.btn-outline{background:none;border:1px solid var(--navy);color:var(--navy);border-radius:999px;padding:12px 22px;font-size:15px}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-light{background:var(--bg);color:var(--navy);border-radius:999px}
.btn-light:hover{background:#fff;color:var(--navy)}

/* Header */
.topbar{background:var(--navy);color:var(--bg);font-size:14px}
.topbar a{color:var(--bg);text-decoration:none}
.topbar-in{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:9px;padding-bottom:9px}
.site-header{border-bottom:1px solid var(--line);background:var(--bg);position:sticky;top:0;z-index:50}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:16px;padding-bottom:16px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink)}
.logo:hover{color:var(--ink)}
.logo-word{font-family:var(--serif);font-size:28px;font-weight:600;letter-spacing:-.01em;line-height:1}
.logo-text{display:flex;align-items:baseline;gap:6px}
.logo-llc{font-size:13px;font-weight:700;letter-spacing:.14em;color:var(--navy)}
.nav{display:flex;align-items:center;gap:28px;flex-wrap:wrap;font-size:15px;font-weight:500}
.nav a:not(.btn){color:var(--ink);text-decoration:none}
.nav a:not(.btn):hover,.nav a[aria-current]{color:var(--navy);text-decoration:underline;text-underline-offset:4px}
.nav-toggle{display:none;align-items:center;gap:10px;background:none;border:1px solid var(--line);border-radius:8px;padding:10px 14px;font-size:14px;font-weight:700;letter-spacing:.08em;color:var(--ink);cursor:pointer}
.burger{position:relative;display:block;width:18px;height:2px;background:currentColor;border-radius:2px}
.burger::before,.burger::after{content:"";position:absolute;left:0;width:18px;height:2px;background:currentColor;border-radius:2px}
.burger::before{top:-6px}.burger::after{top:6px}

/* Hero */
.hero{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,440px),1fr));gap:56px;align-items:center;padding-top:72px;padding-bottom:64px}
.checks{display:flex;flex-direction:column;gap:10px;list-style:none;margin:0;padding:0}
.checks li{display:flex;gap:10px;align-items:center}
.checks li::before{content:"✓";flex:none;width:20px;height:20px;border-radius:50%;background:var(--navy);color:#fff;font-size:12px;display:grid;place-items:center}
.card{background:var(--paper);border:1px solid var(--line);border-radius:20px;padding:36px}
.card-lift{box-shadow:0 24px 60px -30px rgba(30,43,69,.35)}
.rating{display:flex;align-items:center;gap:10px;margin-top:24px;font-size:15px;color:var(--muted)}
.stars{color:#B7862F;letter-spacing:2px;font-size:17px}

/* Forms */
.label{display:block;font-size:14px;font-weight:600;margin-bottom:8px}
.input{width:100%;padding:14px;border:1px solid var(--field);border-radius:10px;background:#fff;font-size:16px;color:var(--ink);outline:none}
.input:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(30,43,69,.12)}
.hint{color:var(--muted);font-size:13px;margin-top:6px}
.error{color:var(--err);font-size:13px;margin-top:6px}
.field.invalid .input{border-color:var(--err)}
.checkbox{display:flex;gap:12px;align-items:flex-start;padding:16px;border:1px solid var(--line);border-radius:10px;background:var(--bg);cursor:pointer}
.checkbox input{width:18px;height:18px;margin-top:3px;flex:none;accent-color:var(--navy)}
.fee-box{margin-top:16px;padding:16px;border-radius:10px;background:var(--tint);display:grid;grid-template-columns:1fr auto;gap:6px 16px;font-size:15px}
.fee-box .t{font-weight:700;border-top:1px solid #CBD0D8;padding-top:8px}
.r{text-align:right}
.mini-trust{display:flex;justify-content:center;gap:10px 18px;flex-wrap:wrap;margin-top:16px;font-size:13px;color:var(--muted)}

/* Stats strip */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper)}
.strip-in{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;padding-top:28px;padding-bottom:28px}
.strip-in b{display:block;font-family:var(--serif);font-weight:400;font-size:30px;color:var(--navy)}
.strip-in span{font-size:14px;color:var(--muted)}

/* Grids & cards */
.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,420px),1fr));gap:56px}
.tile{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:28px}
.tile p{margin:0;color:var(--body)}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:40px;list-style:none;margin:0;padding:0}
.steps li{border-top:2px solid var(--navy);padding-top:24px}
.steps .num{font-family:var(--serif);font-size:40px;color:var(--navy);line-height:1}
.steps h3{font-size:19px;margin:16px 0 8px}
.steps p{margin:0;color:var(--body)}
.chips{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.chips div{padding:18px 20px;background:var(--paper);border:1px solid var(--line);border-radius:12px}
.chips span{display:block;color:var(--muted);font-size:15px}

/* Dark pricing band + compare table */
.dark{background:var(--navy);color:#fff}
.dark .eyebrow{color:#B8C2D4}
.dark p{color:var(--on-dark)}
.big-price{display:flex;align-items:baseline;gap:10px}
.big-price b{font-family:var(--serif);font-weight:400;font-size:84px;line-height:1}
.big-price span{font-size:18px;color:var(--on-dark)}
.compare{width:100%;border-collapse:collapse;background:var(--paper);color:var(--ink);border-radius:16px;overflow:hidden;font-size:15px}
.compare th,.compare td{padding:16px 20px;text-align:left;border-top:1px solid var(--line)}
.compare thead th{border-top:0;background:#ECEAE3;color:var(--muted);font-weight:600}
.compare thead th.us{background:var(--soft);color:var(--navy);font-weight:700}
.compare td.us{background:var(--soft2);font-weight:700}
.compare td.them{color:var(--muted)}

/* Reviews */
.reviews-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:28px}
.score{display:flex;align-items:center;gap:14px}
.score b{font-family:var(--serif);font-weight:400;font-size:44px;line-height:1;color:var(--navy)}
.reviews{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px}
.review{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:26px;display:flex;flex-direction:column;gap:12px}
.review p{margin:0;color:var(--ink)}
.review footer{margin-top:auto;font-size:14px;color:var(--muted)}
.review footer strong{color:var(--ink)}

/* States list */
.states-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(180px,1fr));gap:2px 24px;list-style:none;margin:0;padding:0}
.states-grid a{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:11px 0;font-size:15px;color:var(--ink);text-decoration:none}
.states-grid a:hover{color:var(--navy)}
.states-grid a::after{content:"→";color:#9A978D}

/* FAQ */
.faq-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,2fr);gap:56px;align-items:start}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{list-style:none;cursor:pointer;padding:22px 0;display:flex;justify-content:space-between;gap:16px;font-size:18px;font-weight:600}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--navy);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq details p{margin:0 0 22px;color:var(--body);max-width:680px}
.help-box{padding:24px;border-radius:16px;background:var(--soft)}

/* CTA band */
.cta{background:var(--soft);border-radius:24px;padding:64px 48px;display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}
.cta p{margin:0;font-size:18px;color:#3F4552}

/* Interior pages */
.page-head{padding-top:64px;padding-bottom:40px}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:24px;display:flex;gap:8px;flex-wrap:wrap}
.crumbs a{text-decoration:none}
.prose{max-width:760px;font-size:17px;color:#2E3440;line-height:1.7}
.prose h2{font-family:var(--serif);font-weight:500;font-size:32px;line-height:1.2;color:var(--ink);margin:48px 0 14px}
.prose h3{font-size:19px;color:var(--ink);margin:32px 0 10px}
.prose ul,.prose ol{padding-left:22px}.prose li{margin-bottom:6px}
.prose .note{padding:20px 24px;background:var(--soft);border-radius:12px;font-size:16px}
.meta-line{font-size:14px;color:var(--muted)}
.article-grid{display:grid;grid-template-columns:minmax(0,760px) minmax(220px,280px);gap:64px;justify-content:space-between;align-items:start}
.toc{position:sticky;top:104px;display:flex;flex-direction:column;gap:20px}
.toc-title{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin-bottom:12px}
.toc ol{list-style:none;margin:0;padding:0;border-left:2px solid var(--line)}
.toc ol a{display:block;padding:7px 0 7px 14px;margin-left:-2px;border-left:2px solid transparent;color:var(--body);text-decoration:none;font-size:15px;line-height:1.4}
.toc ol a:hover,.toc ol a.active{color:var(--navy);border-left-color:var(--navy)}
.toc ol a.active{font-weight:600}
.toc-cta{background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:22px}
.toc-cta b{display:block;font-family:var(--serif);font-weight:500;font-size:22px;line-height:1.2;margin-bottom:6px}
.toc-cta span{display:block;font-size:14px;color:var(--muted);margin-bottom:14px}
.toc-cta .btn{display:block;padding:12px;font-size:15px}
.article-cta{margin:56px 0 0;padding:32px;border-radius:16px;background:var(--navy);color:#fff}
.article-cta p{color:var(--on-dark);margin:0 0 20px}
.res-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(min(100%,340px),1fr));gap:20px}
.res-card{display:flex;flex-direction:column;gap:10px;background:var(--paper);border:1px solid var(--line);border-radius:16px;padding:30px;text-decoration:none;color:var(--ink)}
.res-card:hover{border-color:var(--navy);color:var(--ink)}
.res-card h2{font-family:var(--serif);font-weight:500;font-size:26px;line-height:1.2;margin:0}
.res-card p{margin:0;color:var(--body)}
.res-card .more{margin-top:auto;color:var(--navy);font-weight:600;font-size:15px}
.sitemap-cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:40px}
.sitemap-cols h2{font-size:15px;letter-spacing:.08em;text-transform:uppercase;color:var(--accent);margin:0 0 14px}
.sitemap-cols ul{list-style:none;margin:0;padding:0;display:flex;flex-direction:column;gap:8px}

/* Order */
.order-layout{display:grid;grid-template-columns:minmax(0,1fr) minmax(280px,360px);gap:40px;align-items:start}
.stepper{display:flex;gap:12px 28px;flex-wrap:wrap;margin-bottom:36px;list-style:none;padding:0}
.stepper li{display:flex;align-items:center;gap:10px;font-weight:600;font-size:15px;color:#8A8F86}
.stepper li span{width:32px;height:32px;border-radius:50%;display:grid;place-items:center;font-weight:700;font-size:14px;background:#E2E0D8;color:var(--muted)}
.stepper li.on{color:var(--ink)}.stepper li.on span{background:var(--navy);color:#fff}
.form-grid{display:grid;grid-template-columns:repeat(6,minmax(0,1fr));gap:22px 16px}
.c6{grid-column:span 6}.c3{grid-column:span 3}.c2{grid-column:span 2}.c1{grid-column:span 1}
.js .step{display:none}.js .step.active{display:block}
fieldset{border:0;margin:0;padding:0;min-width:0}
legend{padding:0}
.form-nav{display:flex;justify-content:space-between;align-items:center;gap:16px;margin-top:36px;flex-wrap:wrap}
.link-btn{background:none;border:0;color:var(--navy);font-size:15px;font-weight:600;cursor:pointer;padding:0}
.summary{position:sticky;top:104px;display:flex;flex-direction:column;gap:16px}
.sum-rows{display:grid;grid-template-columns:1fr auto;gap:10px;font-size:15px;border-top:1px solid var(--line);padding-top:18px}
.sum-total{display:flex;justify-content:space-between;align-items:baseline;border-top:1px solid var(--line);margin-top:18px;padding-top:18px}
.sum-total b{font-family:var(--serif);font-weight:400;font-size:32px;color:var(--navy)}
.ok{color:var(--navy);font-weight:600}
.timeline{display:grid;grid-template-columns:28px 1fr;gap:6px 16px}
.dot{width:14px;height:14px;border-radius:50%;border:2px solid var(--field);margin-top:5px}
.dot.done{background:var(--navy);border-color:var(--navy)}.dot.next{border-color:var(--navy)}
.timeline div{margin-bottom:18px}.timeline div span{display:block;color:var(--muted);font-size:15px}

/* Footer */
.site-footer{background:var(--ink);color:#C4C9D3;font-size:14px}
.site-footer a{color:#C4C9D3;text-decoration:none}.site-footer a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1.2fr 1fr;gap:32px;padding-top:56px;padding-bottom:40px}
.footer-grid p{margin:12px 0 20px;max-width:300px}
.logo-footer{color:#fff}.logo-footer:hover{color:#fff}.logo-footer .logo-word{font-size:24px}.logo-footer .logo-llc{color:#B8C2D4}
.footer-col{display:flex;flex-direction:column;gap:8px}
.footer-col strong{color:#fff;margin-bottom:4px}
.site-footer .btn-light{display:inline-block;background:var(--bg);color:var(--navy);border-radius:999px;padding:12px 22px;font-size:14px;font-weight:600;text-decoration:none}
.site-footer .btn-light:hover{background:#fff;color:var(--navy)}
.footer-legal{border-top:1px solid #2E3546;padding-top:24px;padding-bottom:40px;font-size:13px;color:#9AA0AC}
.footer-legal p{margin:0 0 8px;max-width:1000px}

@media (max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .order-layout,.faq-layout,.article-grid{grid-template-columns:1fr}
  .summary{position:static}
  .toc{position:static;order:-1}
  .toc-cta{display:none}
}
@media (max-width:760px){
  .wrap{padding:0 20px}
  .h1{font-size:40px}.h2{font-size:32px}
  .section{padding-top:64px;padding-bottom:64px}
  .topbar{display:none}
  .header-in{padding-top:22px;padding-bottom:22px}
  .nav-toggle{display:inline-flex}
  .footer-links{display:none}
  .nav{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:16px;padding:8px 0 4px}
  .nav.open{display:flex}
  .card{padding:24px}
  .cta{padding:40px 24px}
  .form-grid{grid-template-columns:1fr 1fr}
  .c6,.c3{grid-column:span 2}.c2,.c1{grid-column:span 1}
  .compare th,.compare td{padding:12px}
  .footer-grid{grid-template-columns:1fr}
}