:root{
  --navy:#0f2540;
  --navy-2:#16345c;
  --accent:#e63946;
  --accent-dark:#c92c39;
  --teal:#1f8a8a;
  --ink:#1c2733;
  --muted:#5c6b7a;
  --line:#e4e9ef;
  --bg:#ffffff;
  --bg-soft:#f5f8fc;
  --radius:12px;
  --maxw:1140px;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);
  line-height:1.6;-webkit-font-smoothing:antialiased;padding-bottom:0;
}
img{max-width:100%;display:block}
a{color:var(--navy-2);text-decoration:none}
a:hover{text-decoration:underline}
.container{max-width:var(--maxw);margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.25;color:var(--navy);margin:0 0 .5em}
h1{font-size:2.4rem;font-weight:800;letter-spacing:-.5px}
h2{font-size:1.7rem;font-weight:700}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
.min0{min-width:0}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:66px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.15rem}
.brand .logo{width:36px;height:36px;border-radius:9px;background:linear-gradient(135deg,var(--navy),var(--teal));color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:.95rem;letter-spacing:.5px}
.brand:hover{text-decoration:none}
.nav-links{display:flex;align-items:center;gap:22px}
.nav-links a{color:var(--ink);font-weight:600;font-size:.98rem}
.btn{display:inline-block;background:var(--accent);color:#fff;font-weight:700;padding:12px 22px;border-radius:999px;border:none;cursor:pointer;font-size:1rem;transition:background .15s}
.btn:hover{background:var(--accent-dark);text-decoration:none}
.btn-nav{padding:10px 18px;font-size:.95rem}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.nav-toggle{display:none}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1d4272 100%);color:#fff;padding:72px 0 84px}
.hero .grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:44px;align-items:center}
.hero h1{color:#fff;font-size:2.7rem}
.hero p.lead{font-size:1.2rem;color:#d7e3f3;max-width:560px}
.hero .cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.hero .badges{display:flex;flex-wrap:wrap;gap:18px;margin-top:30px;color:#bcd0ea;font-size:.92rem;font-weight:600}
.hero .badges span{display:flex;align-items:center;gap:7px}
.hero .badges .dot{width:8px;height:8px;border-radius:50%;background:var(--teal)}
.quote-card{background:#fff;color:var(--ink);border-radius:16px;padding:28px;box-shadow:0 20px 50px rgba(6,20,40,.3)}
.quote-card h3{font-size:1.35rem}
.quote-card ul{list-style:none;padding:0;margin:0 0 18px}
.quote-card li{padding:9px 0;border-bottom:1px solid var(--line);display:flex;gap:10px;color:var(--muted);font-weight:600}
.quote-card li:last-child{border-bottom:none}
.check{color:var(--teal);font-weight:800}
.phone-big{font-size:1.5rem;font-weight:800;color:var(--navy);text-align:center;display:block;margin-top:6px}

/* Sections */
.section{padding:66px 0}
.section.soft{background:var(--bg-soft)}
.section .head{text-align:center;max-width:720px;margin:0 auto 44px}
.section .head p{color:var(--muted);font-size:1.08rem}
.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.card .num{width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);margin:0}
.benefits{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:22px}
.benefit{padding:22px;border-radius:var(--radius);background:#fff;border:1px solid var(--line)}
.benefit h3{color:var(--navy-2)}
.benefit p{color:var(--muted);margin:0}

/* Savings band */
.band{background:var(--navy);color:#fff;text-align:center;padding:54px 0}
.band h2{color:#fff}
.band p{color:#cddcf0;max-width:640px;margin:0 auto 22px}
.band .note{font-size:.82rem;color:#8fa9c9;margin-top:16px}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:6px 20px;margin-bottom:12px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:14px 0;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--accent);font-weight:800}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);padding-bottom:14px;margin:0}

/* Legal / article pages */
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:56px 0}
.page-hero h1{color:#fff;margin:0}
.page-hero p{color:#c9d8ee;margin:8px 0 0}
.prose{max-width:860px;margin:0 auto;padding:52px 20px}
.prose h2{margin-top:1.8em;font-size:1.35rem}
.prose h3{margin-top:1.3em;font-size:1.08rem;color:var(--navy-2)}
.prose ul{color:var(--ink);padding-left:20px}
.prose li{margin-bottom:7px}
.prose .updated{color:var(--muted);font-style:italic;margin-bottom:1.5em}
.prose .disclaimer{background:var(--bg-soft);border-left:4px solid var(--teal);padding:16px 20px;border-radius:8px;color:var(--muted);font-size:.95rem;margin-top:2em}

/* Blog */
.post-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:26px}
.post-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;display:flex;flex-direction:column}
.post-thumb{height:150px;display:flex;align-items:flex-end;padding:16px;color:#fff;font-weight:700}
.pt1{background:linear-gradient(135deg,#0f2540,#1f8a8a)}
.pt2{background:linear-gradient(135deg,#16345c,#3b6fb0)}
.pt3{background:linear-gradient(135deg,#123a5a,#e63946)}
.post-card .body{padding:20px;flex:1;display:flex;flex-direction:column}
.post-card h3{margin-bottom:.4em}
.post-card p{color:var(--muted);flex:1}
.post-card .more{color:var(--accent);font-weight:700}
.article{max-width:800px;margin:0 auto;padding:52px 20px}
.article .meta{color:var(--muted);font-size:.9rem;margin-bottom:1.4em}
.article h2{margin-top:1.6em}
.article p{color:#33414f}

/* Footer */
.site-footer{background:#0b1c30;color:#cbd8e8;padding:52px 0 0;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.4fr;gap:32px;padding-bottom:36px}
.footer-grid h4{color:#fff;font-size:1rem;margin:0 0 14px}
.footer-grid .fbrand{display:flex;align-items:center;gap:10px;font-weight:800;color:#fff;font-size:1.1rem;margin-bottom:12px}
.footer-grid .fbrand .logo{width:34px;height:34px;border-radius:9px;background:linear-gradient(135deg,var(--teal),#2f6fb0);display:flex;align-items:center;justify-content:center;font-size:.9rem}
.footer-grid p{color:#9fb2c8;font-size:.92rem;margin:0}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin-bottom:9px}
.footer-grid a{color:#bcccdf}
.footer-grid a:hover{color:#fff}
.foot-hours{color:#9fb2c8;font-size:.9rem;margin-top:6px}
.foot-phone{color:#fff;font-weight:800;font-size:1.15rem}
.disclaimer-bar{border-top:1px solid #1b2f47;padding:22px 0 30px}
.disclaimer-bar .container{color:#7f95ad;font-size:.8rem;line-height:1.7}
.disclaimer-bar .copy{color:#9fb2c8;margin-bottom:8px;font-weight:600}

/* Mobile call bar */
.call-bar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--navy);padding:10px 14px;box-shadow:0 -6px 20px rgba(0,0,0,.25)}
.call-bar a{display:flex;align-items:center;justify-content:center;gap:9px;background:var(--accent);color:#fff;font-weight:800;padding:14px;border-radius:10px;font-size:1.05rem}
.call-bar a:hover{text-decoration:none;background:var(--accent-dark)}

@media (max-width:900px){
  .hero .grid{grid-template-columns:minmax(0,1fr);gap:34px}
  .cards,.benefits,.post-grid{grid-template-columns:minmax(0,1fr)}
  .footer-grid{grid-template-columns:minmax(0,1fr) minmax(0,1fr)}
}
@media (max-width:768px){
  h1{font-size:2rem}
  .hero h1{font-size:2rem}
  .hero{padding:52px 0 60px}
  .nav-links{display:none}
  .nav-toggle{display:inline-flex;background:none;border:none;font-size:1.6rem;color:var(--navy);cursor:pointer}
  .nav-links.open{display:flex;position:absolute;top:66px;left:0;right:0;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:16px 20px;gap:14px;box-shadow:0 12px 24px rgba(0,0,0,.08)}
  body{padding-bottom:74px}
  .call-bar{display:block}
  .footer-grid{grid-template-columns:minmax(0,1fr)}
  .section{padding:48px 0}
}