:root{--ink:#1c2830;--muted:#56646d;--navy:#1f3b4d;--sand:#e9d8b4;--clay:#b5562c;--clay-d:#93431f;--bg:#fbfaf7;--line:#dcd6ca;--card:#fff}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--clay-d)}
.inner{max-width:1080px;margin:0 auto;padding:0 20px}
.narrow{max-width:760px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:10}
.top{background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding-top:12px;padding-bottom:8px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem;line-height:1.2}
.logo small{display:block;font-weight:500;font-size:.78rem;color:var(--muted)}
.mark{width:34px;height:34px;flex:none}
.menu ul{list-style:none;margin:0;padding:0 0 10px;display:flex;flex-wrap:wrap;gap:4px 16px;font-size:.92rem}
.menu a{color:var(--ink);text-decoration:none}.menu a[aria-current]{color:var(--clay-d);font-weight:700}
.cta{display:inline-block;background:var(--clay);color:#fff;text-decoration:none;font-weight:700;padding:12px 18px;border-radius:8px;margin:4px 6px 4px 0}
.cta:hover{background:var(--clay-d)}
.cta-alt{background:var(--navy)}.cta-alt:hover{background:#142a37}
.cta-sm{padding:8px 12px;font-size:.92rem;margin:0}
.cta-off{background:#e6e2da;color:var(--muted)}
.hero,.pagehead{background:var(--navy);color:#fff;background-image:repeating-linear-gradient(180deg,rgba(255,255,255,.06) 0 22px,rgba(0,0,0,.10) 22px 24px)}
.hero-in{padding-top:56px;padding-bottom:48px}.pagehead .inner{padding-top:40px;padding-bottom:32px}
.hero h1,.pagehead h1{margin:.2em 0;font-size:clamp(1.8rem,4.6vw,2.8rem);line-height:1.15}
.hero a:not(.cta),.pagehead a:not(.cta){color:var(--sand)}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;color:var(--sand);margin:0}
.lead{font-size:1.12rem;max-width:44em}
.ticks{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:6px 22px;font-size:.95rem}
.ticks li::before{content:"\2713  ";color:var(--sand)}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px;padding-top:32px;padding-bottom:32px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px 20px}
.card h2{font-size:1.15rem;margin-top:0}
.stripe{background:#f1ece2;padding:28px 0}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:28px}
.facts li,.steps li{margin-bottom:10px}
.content{padding-top:24px;padding-bottom:16px}
.content h2{margin-top:1.6em;color:var(--navy)}
.tablewrap{overflow-x:auto}
table{border-collapse:collapse;width:100%;background:#fff;font-size:.96rem}
caption{text-align:left;font-weight:700;padding:6px 0}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
thead th{background:#f1ece2}
.small{font-size:.88rem;color:var(--muted)}
.ref{font-size:.7em;margin-left:1px}.ref a{text-decoration:none}
.refs{border-top:1px solid var(--line);margin-top:28px;padding-top:8px;font-size:.88rem;color:var(--muted)}
.refs h2{font-size:1rem}
.quote-nudge{background:#fff;border-left:4px solid var(--clay);padding:10px 14px}
.foot{background:#16232c;color:#d8dde0;margin-top:40px;padding:32px 0 90px;font-size:.92rem}
.foot a{color:var(--sand)}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.foot-brand{font-weight:800;color:#fff;display:flex;align-items:center;gap:8px}
.foot-h{font-weight:700;color:#fff;margin-bottom:4px}
.foot-links{list-style:none;padding:0}
.foot .small{color:#b7c0c5}
.foot-note{color:#b7c0c5;font-size:.85rem;border-top:1px solid #2b3a44;padding-top:14px;margin-top:18px}
.callbar{position:fixed;left:0;right:0;bottom:0;display:flex;z-index:5}
.callbar a{flex:1;text-align:center;padding:14px;font-weight:700;color:#fff;text-decoration:none;background:var(--clay)}
.callbar a+a{background:var(--navy)}
@media(min-width:800px){.callbar{display:none}.foot{padding-bottom:32px}}
.faq-toc{columns:2;column-gap:28px;font-size:.95rem}@media(max-width:640px){.faq-toc{columns:1}}
.faq{border-top:1px solid var(--line);padding-top:4px}

/* Reusable quote form (shared/lead-form). Inputs at 16px so iOS doesn't zoom. */
.quote-form{display:grid;gap:1rem;margin:1.25rem 0 2rem;padding:1.25rem;border:1px solid #d9e0e6;border-radius:12px;background:#fff}
.quote-form .qf-row{display:grid;gap:1rem}
@media (min-width:640px){.quote-form .qf-row{grid-template-columns:1fr 1fr}}
.quote-form label{display:block;font-weight:600;margin-bottom:.3rem}
.quote-form .qf-req{color:#9b2c2c;font-weight:400}
.quote-form input[type=text],.quote-form input[type=tel],.quote-form input[type=email],.quote-form textarea{width:100%;box-sizing:border-box;font:inherit;font-size:16px;padding:.7rem .8rem;border:1px solid #9aa8b4;border-radius:8px;background:#fff;color:inherit;min-height:48px}
.quote-form textarea{min-height:8rem;resize:vertical}
.quote-form input[type=file]{width:100%;font-size:16px;padding:.5rem 0}
.quote-form input:focus,.quote-form textarea:focus{outline:3px solid #f2c48d;outline-offset:1px;border-color:#23384a}
.quote-form .qf-hint{font-size:.9rem;color:#4a5865;margin:.3rem 0 0}
.quote-form .qf-consent{font-size:.95rem;margin:0}
.quote-form button[type=submit]{width:100%;min-height:52px;font-size:1.05rem;cursor:pointer;border:0}
@media (min-width:640px){.quote-form button[type=submit]{width:auto;padding-left:2rem;padding-right:2rem}}
.quote-form .qf-status{margin:0;font-weight:600}
.quote-form .qf-status:empty{display:none}
.quote-form .qf-ok{color:#22543d}
.quote-form .qf-err{color:#9b2c2c}
.qf-hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.quote-link{margin:.75rem 0 0}

.qf-setup{background:#fff4d6;border:1px solid #e0b84a;border-radius:8px;padding:10px 14px;font-size:16px}