:root{--navy:#0b2545;--navy-2:#123a63;--brand:#1b75bb;--brand-dark:#155e96;--teal:#2e7286;--ink:#16222e;--muted:#5b6b7b;--bg:#fff;--bg-soft:#f4f8fb;--line:#e3eaf1;--gold:#f5a623;--radius:14px;--shadow:0 10px 30px rgba(11,37,69,.08);--shadow-lg:0 24px 60px rgba(11,37,69,.14)}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}ul{list-style:none}button{font-family:inherit}.container{max-width:1160px;margin:0 auto;padding:0 22px}h1,h2,h3{line-height:1.18;color:var(--navy);letter-spacing:-.02em}h1{font-size:clamp(2rem,4.6vw,3.3rem)}h1,h2{font-weight:800}h2{font-size:clamp(1.5rem,3vw,2.25rem)}h3{font-size:1.15rem}.eyebrow,h3{font-weight:700}.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--brand);background:rgba(27,117,187,.1);padding:6px 14px;border-radius:999px;margin-bottom:16px}.lead{font-size:1.13rem;color:var(--muted);max-width:640px}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:700;font-size:1rem;padding:14px 30px;border-radius:999px;border:none;cursor:pointer;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}.btn-primary{background:var(--brand);color:#fff;box-shadow:0 8px 20px rgba(27,117,187,.35)}.btn-primary:hover{background:var(--brand-dark);transform:translateY(-2px)}.btn-gold{background:var(--gold);color:var(--navy);box-shadow:0 8px 20px rgba(245,166,35,.35)}.btn-gold:hover{transform:translateY(-2px)}.btn-outline{background:transparent;color:#fff;border:2px solid hsla(0,0%,100%,.6)}.btn-outline:hover{border-color:#fff;background:hsla(0,0%,100%,.08)}.btn-lg{padding:17px 38px;font-size:1.08rem}.header{position:-webkit-sticky;position:sticky;top:0;z-index:60;background:hsla(0,0%,100%,.92);-webkit-backdrop-filter:blur(12px);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.header-inner{justify-content:space-between;height:84px;gap:16px}.header-inner,.logo{display:flex;align-items:center}.logo{gap:10px}.logo img{height:60px;width:auto}.nav{display:flex;gap:26px;align-items:center}.nav a{font-weight:600;font-size:.95rem;color:var(--navy-2);transition:color .15s}.nav a:hover{color:var(--brand)}.header .btn{padding:11px 24px;font-size:.92rem}.menu-btn{display:none;background:none;border:none;cursor:pointer;padding:8px}.menu-btn span{display:block;width:24px;height:2.5px;background:var(--navy);margin:5px 0;border-radius:2px}.topbar{background:var(--navy);color:hsla(0,0%,100%,.92);text-align:center;font-size:.85rem;font-weight:600;padding:8px 16px}.hero{position:relative;background:linear-gradient(115deg,var(--navy) 0,var(--navy-2) 55%,var(--teal) 130%);color:#fff;overflow:hidden}.hero-inner{display:grid;grid-template-columns:1.05fr .95fr;grid-gap:48px;gap:48px;align-items:center;padding:84px 0 92px}.hero h1{color:#fff;margin:18px 0}.hero p{font-size:1.16rem;color:hsla(0,0%,100%,.85);max-width:560px}.hero .eyebrow{background:hsla(0,0%,100%,.14);color:#ffd9a0}.hero-ctas{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}.hero-img{border-radius:20px;box-shadow:var(--shadow-lg);object-fit:cover;width:100%;height:430px}.hero-badges{display:flex;gap:22px;margin-top:34px;flex-wrap:wrap}.hero-badge{display:flex;align-items:center;gap:9px;font-size:.92rem;font-weight:600;color:hsla(0,0%,100%,.9)}.hero-badge svg{flex-shrink:0}.hero-form-inner{display:grid;grid-template-columns:1.05fr .95fr;grid-gap:52px;gap:52px;align-items:start;padding:70px 0 80px}.hero-copy{padding-top:16px}.hero-form-col .quote-card{padding:34px 32px 30px}.hero-stars{margin-top:26px;color:var(--gold);font-size:1.05rem;font-weight:700;letter-spacing:2px}.hero-stars span{color:hsla(0,0%,100%,.85);font-size:.9rem;letter-spacing:0;margin-left:8px;font-weight:600}.stats-band{background:var(--navy)}.stats-band h2{color:#fff}.stat{text-align:center;padding:10px 18px}.stat-num{font-size:3rem;font-weight:800;color:var(--gold);line-height:1.1;margin-bottom:10px}.stat p{color:hsla(0,0%,100%,.82);font-size:.98rem;max-width:280px;margin:0 auto}.section{padding:84px 0}.section-soft{background:var(--bg-soft)}.section-head{text-align:center;max-width:700px;margin:0 auto 52px}.section-head .lead{margin:14px auto 0}.cards-3{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:26px;gap:26px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px 28px;box-shadow:var(--shadow);transition:transform .18s ease,box-shadow .18s ease}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}.card-icon{width:52px;height:52px;border-radius:13px;background:rgba(27,117,187,.1);display:flex;align-items:center;justify-content:center;margin-bottom:18px;font-size:1.5rem}.card h3{margin-bottom:10px}.card p{color:var(--muted);font-size:.97rem}.split{display:grid;grid-template-columns:1fr 1fr;grid-gap:56px;gap:56px;align-items:center}.split img{border-radius:18px;box-shadow:var(--shadow-lg);width:100%;height:400px;object-fit:cover}.split h2{margin-bottom:16px}.split p{color:var(--muted);font-size:1.05rem;margin-bottom:12px}.split .btn{margin-top:18px}.aud-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:24px;gap:24px}.aud-card{position:relative;border-radius:var(--radius);overflow:hidden;height:250px;display:flex;align-items:flex-end;box-shadow:var(--shadow);transition:transform .18s 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1;min-width:0}.testi-name{font-weight:700;color:var(--navy);font-size:.96rem}.testi-loc{display:flex;align-items:center;gap:4px;color:var(--muted);font-size:.82rem;margin-top:2px}.stars{color:var(--gold);letter-spacing:1px;font-size:.9rem}.testi-top .stars{align-self:flex-start}.testi p{color:var(--ink);font-size:.98rem;flex:1 1;line-height:1.6}.states-band{background:var(--navy);color:#fff}.states-band h2{color:#fff}.states-band .lead{color:hsla(0,0%,100%,.75)}.states-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(150px,1fr));grid-gap:10px;gap:10px;margin-top:40px}.state-chip{background:hsla(0,0%,100%,.07);border:1px solid hsla(0,0%,100%,.13);border-radius:9px;padding:9px 14px;font-size:.9rem;font-weight:600;text-align:center;color:hsla(0,0%,100%,.92)}.faq-list{max-width:780px;margin:0 auto;display:flex;flex-direction:column;gap:14px}.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);overflow:hidden}.faq-item summary{cursor:pointer;padding:20px 24px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px}.faq-item summary::-webkit-details-marker{display:none}.faq-item summary:after{content:"+";font-size:1.4rem;color:var(--brand);font-weight:600}.faq-item[open] summary:after{content:"–"}.faq-item div{padding:0 24px 22px;color:var(--muted)}.cta-band{background:linear-gradient(115deg,var(--brand) 0,var(--teal) 100%);border-radius:22px;padding:60px 48px;text-align:center;color:#fff;box-shadow:var(--shadow-lg)}.cta-band h2{color:#fff;margin-bottom:12px}.cta-band p{color:hsla(0,0%,100%,.88);max-width:540px;margin:0 auto 28px;font-size:1.08rem}.footer{background:var(--navy);color:hsla(0,0%,100%,.78);padding:64px 0 32px;margin-top:0}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;grid-gap:40px;gap:40px;margin-bottom:44px}.footer h4{color:#fff;font-size:.95rem;margin-bottom:16px;font-weight:700}.footer a{display:block;padding:5px 0;font-size:.92rem;transition:color .15s}.footer a:hover{color:#fff}.footer-logo-badge{background:#fff;border-radius:12px;padding:10px 16px;display:inline-block;margin-bottom:16px}.footer-logo-badge img{height:46px;width:auto;display:block}.footer-brand p{font-size:.9rem;max-width:320px}.footer-bottom{border-top:1px solid hsla(0,0%,100%,.12);padding-top:24px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;font-size:.84rem;color:hsla(0,0%,100%,.55)}.quote-wrap{min-height:calc(100vh - 74px);background:linear-gradient(115deg,var(--navy) 0,var(--navy-2) 60%,var(--teal) 140%);padding:64px 0 90px}.quote-card{max-width:620px;margin:0 auto;background:#fff;border-radius:20px;box-shadow:var(--shadow-lg);padding:42px 44px 38px}.quote-head{text-align:center;color:#fff;max-width:640px;margin:0 auto 34px}.quote-head h1{color:#fff;font-size:clamp(1.7rem,3.4vw,2.5rem)}.quote-head p{color:hsla(0,0%,100%,.82);margin-top:10px;font-size:1.05rem}.progress{display:flex;gap:8px;margin-bottom:30px}.progress span{flex:1 1;height:6px;border-radius:99px;background:var(--line);transition:background .2s}.progress span.on{background:var(--brand)}.q-step h2{font-size:1.35rem;margin-bottom:6px}.q-sub{color:var(--muted);font-size:.95rem;margin-bottom:22px}.opt-grid{display:grid;grid-template-columns:1fr 1fr;grid-gap:12px;gap:12px}.opt{border:2px solid var(--line);border-radius:12px;padding:16px 18px;font-weight:600;color:var(--navy-2);cursor:pointer;background:#fff;text-align:left;font-size:.98rem;transition:all .14s ease;display:flex;align-items:center;gap:10px}.opt.sel,.opt:hover{border-color:var(--brand)}.opt.sel{background:rgba(27,117,187,.07)}.field{margin-bottom:16px}.field label{display:block;font-weight:600;font-size:.9rem;margin-bottom:7px;color:var(--navy-2)}.field input,.field select{width:100%;padding:13px 15px;border:2px solid 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.check{width:76px;height:76px;border-radius:50%;background:rgba(39,174,96,.12);color:#27ae60;font-size:2.2rem;display:flex;align-items:center;justify-content:center;margin:0 auto 22px}.q-success h2{margin-bottom:10px}.q-success p{color:var(--muted);max-width:420px;margin:0 auto}.book-cta{margin-top:26px;padding-top:24px;border-top:1px solid var(--line);display:flex;flex-direction:column;align-items:center;gap:12px}.book-lead{color:var(--navy)!important;font-weight:700;font-size:1.02rem;max-width:360px}.book-cta .btn svg{stroke:var(--navy)}.book-sub{font-size:.82rem;color:var(--muted)!important}.trust-row{display:flex;justify-content:center;gap:26px;margin-top:26px;flex-wrap:wrap;color:hsla(0,0%,100%,.85);font-size:.88rem;font-weight:600}.trust-row span{display:inline-flex;align-items:center;gap:7px}.trust-row svg{stroke:var(--gold)}.policy{max-width:800px;margin:0 auto;padding:70px 22px 90px}.policy h1{margin-bottom:8px;font-size:2.2rem}.policy .updated{color:var(--muted);font-size:.9rem;margin-bottom:36px}.policy h2{font-size:1.35rem;margin:36px 0 12px}.policy h3{font-size:1.05rem;margin:22px 0 8px}.policy li,.policy p{color:var(--ink);font-size:.98rem;margin-bottom:10px}.policy ul{list-style:disc;padding-left:24px;margin-bottom:14px}.policy a{color:var(--brand);font-weight:600}.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:26px;gap:26px}.blog-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;box-shadow:var(--shadow);display:flex;flex-direction:column;gap:10px;transition:transform .18s ease,box-shadow .18s ease}.blog-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-lg)}.blog-tag{align-self:flex-start;font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--brand);background:rgba(27,117,187,.1);padding:5px 12px;border-radius:999px}.blog-card h3{color:var(--navy);font-size:1.12rem;line-height:1.3}.blog-card p{color:var(--muted);font-size:.95rem;flex:1 1}.blog-meta{color:var(--brand);font-weight:600;font-size:.85rem}.post{max-width:760px;margin:0 auto;padding:56px 22px 20px}.post-head{margin-bottom:30px}.post-back{color:var(--brand);font-weight:600;font-size:.9rem;display:inline-block;margin-bottom:18px}.post-head h1{font-size:clamp(1.8rem,3.6vw,2.6rem);margin:12px 0 10px}.post-meta{color:var(--muted);font-size:.92rem}.post-body{color:var(--ink);font-size:1.06rem;line-height:1.75}.post-body h2{font-size:1.5rem;margin:36px 0 12px}.post-body h3{font-size:1.2rem;margin:28px 0 10px}.post-body p{margin-bottom:18px}.post-body ol,.post-body ul{margin:0 0 18px 22px}.post-body li{margin-bottom:8px}.post-body a{color:var(--brand);font-weight:600;text-decoration:underline}.post-body strong{color:var(--navy)}.post-cta{margin:44px 0 24px;padding:32px 30px;text-align:center;background:var(--bg-soft);border:1px solid var(--line);border-radius:16px}.post-cta h3{font-size:1.3rem;margin-bottom:8px}.post-cta p{color:var(--muted);max-width:460px;margin:0 auto 20px}.post-disclaimer{max-width:760px;margin:0 auto;padding:0 22px;color:var(--muted);font-size:.8rem;line-height:1.5;font-style:italic}@media (max-width:860px){.blog-grid{grid-template-columns:1fr 1fr}}@media (max-width:600px){.blog-grid{grid-template-columns:1fr}}.niche-hero{position:relative;min-height:480px;display:flex;align-items:center;color:#fff;overflow:hidden}.niche-hero img.bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}.niche-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(11,37,69,.92) 22%,rgba(11,37,69,.55) 60%,rgba(11,37,69,.25))}.niche-hero .container{position:relative;z-index:2;padding-top:70px;padding-bottom:70px}.niche-hero h1{color:#fff;max-width:640px;margin-bottom:16px}.niche-hero p{font-size:1.15rem;color:hsla(0,0%,100%,.88);max-width:540px;margin-bottom:30px}@media (max-width:960px){.hero-inner{grid-template-columns:1fr;padding:56px 0 64px}.hero-form-inner{grid-template-columns:1fr;padding:46px 0 56px;gap:36px}.hero-img{height:300px}.aud-grid,.cards-3,.steps,.testi-grid{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr;gap:32px}.split img{height:300px}.footer-grid{grid-template-columns:1fr 1fr}.nav{display:none}.menu-btn{display:block}.nav.open{display:flex;position:absolute;top:84px;left:0;right:0;background:#fff;flex-direction:column;padding:20px 24px 26px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-lg);gap:4px}.nav.open a{padding:11px 0;font-size:1.05rem}}@media (max-width:600px){.aud-grid,.cards-3,.steps,.testi-grid{grid-template-columns:1fr}.logo img{height:50px}.header .btn{padding:10px 16px;font-size:.85rem}.header-inner{height:72px}.nav.open{top:72px}.section{padding:60px 0}.quote-card{padding:30px 22px}.field-row,.footer-grid,.opt-grid{grid-template-columns:1fr}.cta-band{padding:44px 26px}}