:root{--ivory:#FBF8F1;--stone:#EFE9DC;--navy:#0C2347;--navy2:#17325E;--gold:#C2A064;--gold-ink:#7C6026;--ink:#13223A;--muted:#4A5568;--wood:#A47C52;--line:#DDD4C2;--card:#FFFFFF;--dock:58px;
--serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;--sans:"Avenir Next","Segoe UI",system-ui,-apple-system,Roboto,sans-serif}
*{box-sizing:border-box}html{scroll-behavior:smooth;color-scheme:light;scroll-padding-bottom:calc(var(--dock) + 24px)}
body{margin:0;background:var(--ivory);color:var(--ink);font:1.0625rem/1.7 var(--sans);padding-bottom:calc(var(--dock) + env(safe-area-inset-bottom,0px));-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto;display:block}a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--gold-ink)}
:focus-visible{outline:3px solid var(--gold-ink);outline-offset:3px;border-radius:2px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:#000;padding:10px 14px;z-index:99}.skip:focus{left:8px}
.wrap{max-width:1240px;margin:0 auto;padding:0 18px}.prose{max-width:68ch}.narrow{max-width:760px;margin:0 auto;padding:0 18px}
h1,h2,h3{font-family:var(--serif);font-weight:500;color:var(--navy);letter-spacing:-.005em}
h1{font-size:clamp(2.25rem,5.4vw,3.9rem);line-height:1.04;margin:.1em 0 .35em}
h2{font-size:clamp(1.6rem,3.1vw,2.25rem);line-height:1.15;margin:2.2em 0 .5em}h3{font-size:1.25rem;line-height:1.25;margin:1.4em 0 .3em}
p{margin:0 0 1.05em}.lede{font-family:var(--serif);font-size:clamp(1.15rem,2vw,1.4rem);line-height:1.5;color:var(--ink)}.muted{color:var(--muted)}
/* header */
header.top{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 18px;max-width:1240px;margin:0 auto}
.brand{display:block;line-height:0}.brand img{height:58px;width:auto;flex-shrink:0}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}.btn-call .sm{display:none}form.est [aria-invalid=true]{border-color:#A32020}@media (max-width:480px){.btn-call .lg{display:none}.btn-call .sm{display:inline}header.top .btn-call{padding:0 16px;min-height:48px}}
nav.nav{display:none;gap:26px;align-items:center}nav.nav a{color:var(--ink);text-decoration:none;font-size:.98rem;padding:10px 2px;border-bottom:2px solid transparent}
nav.nav a:hover,nav.nav a[aria-current=page]{border-bottom-color:var(--gold)}
.top-actions{display:flex;align-items:center;gap:10px}
details.menu{position:relative}details.menu summary{list-style:none;cursor:pointer;min-height:44px;display:flex;align-items:center;padding:0 14px;border:1px solid var(--line);border-radius:8px;background:var(--card);font-weight:600}
details.menu summary::-webkit-details-marker{display:none}
details.menu nav{position:absolute;right:0;top:52px;z-index:40;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:8px;min-width:210px;box-shadow:0 12px 30px rgba(12,35,71,.14)}
details.menu nav a{display:block;padding:12px 14px;color:var(--ink);text-decoration:none;border-radius:6px}details.menu nav a:hover{background:var(--stone)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 26px;border-radius:6px;font-weight:700;text-decoration:none;border:2px solid var(--navy);font-size:1rem;cursor:pointer;font-family:var(--sans)}
.btn-call{background:var(--gold);border-color:var(--gold);color:var(--navy)}.btn-call:hover{background:#D2B27A;border-color:#D2B27A;color:var(--navy)}
.btn-line{background:transparent;color:var(--navy)}.btn-line:hover{background:var(--navy);color:var(--ivory)}
.btn-navy{background:var(--navy);color:var(--ivory)}.btn-navy:hover{background:var(--navy2);color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
/* hero */
.hero{display:grid;grid-template-columns:minmax(0,1fr);gap:26px;max-width:1240px;margin:0 auto;padding:22px 18px 0}
.hero figure{position:relative;margin:0 14px 14px 0}
.hero figure::before{content:"";position:absolute;inset:14px -14px -14px 14px;border:1px solid var(--gold);border-radius:6px;z-index:0}
.hero img{position:relative;z-index:1;width:100%;border-radius:6px;background:var(--stone)}
figcaption{font-size:.84rem;color:var(--muted);margin-top:10px;position:relative;z-index:1}
figure.ph{margin:0}.wrap>figure.ph,.wrap .prose figure.ph{max-width:880px}figure.ph img{border-radius:6px;width:100%;background:var(--stone)}
/* trust band */
.band{background:var(--navy);color:var(--ivory);margin-top:44px}
.band ul{list-style:none;margin:0 auto;padding:22px 18px;max-width:1240px;display:grid;gap:12px 28px;grid-template-columns:1fr}
.band li{font-size:1rem;line-height:1.4;border-left:2px solid var(--gold);padding-left:14px}.band strong{display:block;font-family:var(--serif);font-weight:500;font-size:1.15rem}
.band a{color:var(--ivory)}.band a:focus-visible{outline-color:var(--gold)}.band a:hover{color:var(--gold)}
/* feature rows */
.feature{display:grid;grid-template-columns:minmax(0,1fr);gap:22px;align-items:center;margin:60px 0}.feature h2,.feature h3{margin-top:0}
section.block{padding:10px 0}section.tint{background:var(--stone);padding:34px 0;margin:50px 0}
.rule-list{list-style:none;padding:0;margin:20px 0;border-top:1px solid var(--line)}.rule-list li{padding:16px 0;border-bottom:1px solid var(--line)}
.rule-list a{font-family:var(--serif);font-size:1.2rem;color:var(--navy)}
ol.steps{list-style:none;counter-reset:s;padding:0;margin:20px 0}ol.steps li{counter-increment:s;display:grid;grid-template-columns:44px 1fr;gap:14px;padding:16px 0;border-top:1px solid var(--line)}
ol.steps li::before{content:counter(s);font-family:var(--serif);font-size:1.7rem;color:var(--gold-ink);line-height:1}
ul.tick{padding-left:1.15rem}ul.tick li{margin:.45rem 0}
.note{border-left:3px solid var(--gold);background:var(--card);padding:14px 18px;border-radius:0 6px 6px 0;color:var(--muted);font-size:.96rem;margin:24px 0}
.crumb{display:inline-block;padding:14px 0;font-size:.92rem;color:var(--muted);text-decoration:none}.crumb:hover{color:var(--navy)}
/* faq */
details.faq{border-top:1px solid var(--line)}details.faq:last-of-type{border-bottom:1px solid var(--line)}
details.faq summary{cursor:pointer;min-height:56px;display:flex;align-items:center;font-family:var(--serif);font-size:1.15rem;color:var(--navy);list-style:none;padding:8px 0}
details.faq summary::-webkit-details-marker{display:none}details.faq summary::after{content:"+" / "";margin-left:auto;font-size:1.5rem;color:var(--gold-ink)}details.faq[open] summary::after{content:"\2013" / ""}
details.faq p{margin:0 0 16px;max-width:66ch}
/* blog cards: ruled list with thumbnail */
.post-row{display:grid;grid-template-columns:minmax(0,1fr);gap:14px;padding:26px 0;border-top:1px solid var(--line);text-decoration:none;color:inherit}
.post-row h2,.post-row h3{margin:.1em 0 .3em;font-size:1.45rem}.post-row:hover h2,.post-row:hover h3{color:var(--gold-ink)}
.post-row p{margin:0;color:var(--muted)}.post-row img{width:100%;border-radius:6px}
.byline{color:var(--muted);font-size:.95rem}
/* forms */
form.form{display:grid;gap:16px;margin:18px 0}
form.form label{font-weight:600;color:var(--navy);display:block;margin-bottom:6px}
form.form input,form.form select,form.form textarea{width:100%;min-height:50px;padding:10px 14px;font:inherit;border:1px solid #737D8F;border-radius:6px;background:#fff;color:var(--ink)}
form.form textarea{min-height:130px;resize:vertical}form.form .hint{font-size:.9rem;color:var(--muted);margin-top:4px}
form.form [aria-invalid=true]{border-color:#A32020}.err{color:#A32020;font-size:.92rem;margin-top:4px}
.hp{position:absolute;left:-9999px;height:0;overflow:hidden}.status{padding:14px 18px;border-radius:6px;margin:14px 0}.status.bad{background:#FBECEC;border:1px solid #D9A3A3;color:#6B1414}.status.ok{background:#EAF4EC;border:1px solid #9CC7A5;color:#17421F}
fieldset.consent{border:0;padding:0;margin:0}
/* estimator */
form.est{display:grid;gap:8px;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px;margin:18px 0}
form.est label{font-weight:600;color:var(--navy);margin-top:6px}form.est select,form.est input{min-height:50px;font:inherit;padding:8px 12px;border-radius:6px;border:1px solid #737D8F;background:#fff;color:var(--ink);width:100%}
ul.est-lines{list-style:none;padding:0;margin:0}ul.est-lines li{display:flex;justify-content:space-between;gap:10px;align-items:center;padding:12px 0;border-bottom:1px solid var(--line)}
button.rm{min-height:44px;padding:0 14px;border-radius:6px;border:1px solid var(--line);background:transparent;color:var(--ink);font:inherit;cursor:pointer}
.est-total{display:flex;justify-content:space-between;font-family:var(--serif);font-size:1.4rem;margin:16px 0}.est-total strong{color:var(--navy)}
.est-disc{margin:10px 0;padding:12px 16px;border-left:3px solid var(--gold);background:var(--card);border-radius:0 6px 6px 0;font-size:.97rem}
/* footer */
footer.foot{background:var(--stone);margin-top:64px;padding:38px 0 30px;border-top:1px solid var(--line);color:var(--muted);font-size:.96rem}
footer.foot .cols{display:grid;gap:26px;grid-template-columns:1fr}footer.foot h2{font-size:1.05rem;margin:0 0 .5em;color:var(--navy)}
footer.foot ul{list-style:none;padding:0;margin:0}footer.foot li{margin:0}footer.foot li a{display:inline-block;padding:.4rem 0}footer.foot a{color:var(--ink)}
footer.foot img{height:56px;width:auto;margin-bottom:12px}.fine{margin-top:26px;font-size:.88rem}
.dock{position:fixed;left:0;right:0;bottom:0;z-index:50;display:grid;grid-template-columns:1fr 1fr;background:var(--ivory);border-top:1px solid var(--line);padding-bottom:env(safe-area-inset-bottom,0px)}
.dock a{min-height:var(--dock);display:flex;align-items:center;justify-content:center;font-weight:700;text-decoration:none}.dock .call{background:var(--gold);color:var(--navy)}.dock .visit{color:var(--navy)}
@media (min-width:760px){nav.nav{display:flex}details.menu{display:none}.band ul{grid-template-columns:repeat(4,1fr)}.post-row{grid-template-columns:260px minmax(0,1fr);gap:26px;align-items:center}footer.foot .cols{grid-template-columns:1.3fr 1fr 1fr 1fr}.dock{display:none}body{padding-bottom:0}.brand img{height:66px}}
@media (min-width:900px){.hero{grid-template-columns:minmax(0,5fr) minmax(0,7fr);gap:60px;align-items:center;padding-top:50px}.feature{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:64px}.feature.flip figure{order:2}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.mc-open{position:fixed;right:14px;bottom:calc(var(--dock) + env(safe-area-inset-bottom,0px) + 14px);z-index:60;min-height:48px;padding:0 20px;border-radius:999px;border:2px solid var(--gold);background:var(--navy);color:var(--ivory);font:700 1rem var(--sans);cursor:pointer;box-shadow:0 8px 22px rgba(12,35,71,.28)}
.mc-open:hover{background:var(--navy2)}
.mc-panel{position:fixed;z-index:70;right:0;left:0;bottom:0;max-height:82vh;display:flex;flex-direction:column;background:var(--ivory);border-top:3px solid var(--gold);border-radius:14px 14px 0 0;box-shadow:0 -10px 40px rgba(12,35,71,.25)}
.mc-panel[hidden]{display:none}
.mc-head{display:flex;justify-content:space-between;align-items:center;gap:10px;padding:12px 16px;background:var(--navy);color:var(--ivory);border-radius:11px 11px 0 0}
.mc-title strong{font-family:var(--serif);font-weight:500;font-size:1.2rem;display:block}.mc-sub{font-size:.85rem;opacity:.9}
.mc-x{min-height:44px;padding:0 14px;border-radius:8px;border:1px solid var(--gold);background:transparent;color:var(--ivory);font:inherit;cursor:pointer}
.mc-log{flex:1;overflow:auto;padding:14px 16px;min-height:140px}.mc-msg{margin:0 0 10px;padding:10px 14px;border-radius:12px;max-width:92%;line-height:1.5}
.mc-msg.bot{background:var(--card);border:1px solid var(--line)}.mc-msg.me{background:var(--stone);margin-left:auto;text-align:right}
.mc-chips{display:flex;flex-wrap:wrap;gap:8px;padding:6px 16px 10px;max-height:34vh;overflow:auto}
.mc-chip{min-height:44px;padding:0 14px;border-radius:999px;border:1px solid var(--navy);background:#fff;color:var(--navy);font:inherit;cursor:pointer;text-align:left}.mc-chip:hover{background:var(--navy);color:var(--ivory)}
.mc-note{margin:0;padding:8px 16px 14px;font-size:.82rem;color:var(--muted)}
@media (min-width:760px){.mc-open{bottom:20px}.mc-panel{left:auto;right:20px;bottom:20px;width:400px;max-height:78vh;border-radius:14px;border:1px solid var(--line);border-top:3px solid var(--gold)}}
.mock{background:#0C2347;color:#FBF8F1;text-align:center;padding:10px 16px;font-size:.92rem;line-height:1.4}.mock strong{color:#C2A064}