:root{--navy:#0d2a4a;--blue:#164f7e;--gold:#f2b632;--bg:#f4f6f9;--line:#c9d1dc;--ink:#1c2430}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:70px}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}.narrow{max-width:800px}.center{text-align:center}
a{color:var(--blue)}h1,h2,h3{line-height:1.2;margin:0 0 .5em}
.nav{position:sticky;top:0;z-index:10;background:var(--navy);color:#fff;box-shadow:0 2px 10px rgba(0,0,0,.2)}
.navin{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:1.2rem}.brand small{color:var(--gold)}
.logo{border:2px solid var(--gold);border-radius:12px}
nav a{color:#fff;text-decoration:none;margin-left:18px;font-weight:500;font-size:.95rem}nav a:hover{color:var(--gold)}
.menu{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;font-weight:800;border:0;border-radius:8px;padding:14px 26px;font-size:1.05rem;text-decoration:none;cursor:pointer;transition:.2s}
.btn:hover{filter:brightness(1.07);transform:translateY(-1px)}.btn.sm{padding:8px 14px;font-size:.9rem}.btn.full{width:100%}
.hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;padding:48px 0 56px}
.herogrid{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:center}
.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.08em;text-transform:uppercase;font-size:.85rem}
h1{font-size:clamp(1.9rem,4vw,2.9rem)}h1 span{color:var(--gold)}.lead{font-size:1.15rem;opacity:.95}.lead.dark{color:var(--ink)}
.ticks{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:8px}.ticks li:before{content:"✓ ";color:var(--gold);font-weight:900}
.note{font-size:.85rem;opacity:.8}
.card{background:#fff;border-radius:14px;padding:24px;box-shadow:0 6px 24px rgba(13,42,74,.1);color:var(--ink)}
.form h2{color:var(--navy);margin:0}.sub{margin:0 0 12px;color:#556}
.form label{display:block;font-weight:600;font-size:.88rem;margin-bottom:10px}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:4px;padding:11px;border:1px solid var(--line);border-radius:8px;font:inherit;font-size:16px}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:12px}.hp{display:none}.fine{font-size:.8rem;color:#667;margin:.5em 0 0}
.sec{padding:64px 0}.alt{background:var(--bg)}.t{text-align:center;color:var(--navy);font-size:clamp(1.6rem,3vw,2.2rem)}.st{text-align:center;max-width:680px;margin:0 auto 28px;color:#445}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps b{display:inline-grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font-size:1.2rem;margin-bottom:10px}
.sit span{font-size:1.8rem}.card h3{color:var(--navy)}
.tbl{overflow-x:auto}table{width:100%;border-collapse:collapse;background:#fff;border-radius:12px;overflow:hidden;box-shadow:0 6px 24px rgba(13,42,74,.1)}
th,td{padding:14px 16px;border-bottom:1px solid #e6eaf0;text-align:left}th{background:var(--navy);color:#fff}th.us{background:var(--gold);color:var(--navy)}td.us{font-weight:700;color:var(--navy);background:#fffaf0}td:first-child{font-weight:600}
.towns{list-style:none;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px}.towns li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-weight:600;color:var(--navy)}
details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;padding:14px 18px;background:#fff}summary{font-weight:700;cursor:pointer;color:var(--navy)}details p{margin:.6em 0 0}
.cta{background:var(--navy);color:#fff}.cta .t{color:#fff}.contact{font-size:1.1rem;font-weight:600}
.ph{background:#fff3cd;color:#7a5a00;padding:1px 6px;border-radius:4px;font-weight:700}
footer{background:#081c33;color:#c9d1dc;padding:28px 0;font-size:.9rem}footer .fine{color:#9aa6b6}
.thanks{margin-top:20px}.thanks h1{color:var(--navy)}
@media(max-width:900px){.herogrid,.grid3{grid-template-columns:1fr}.menu{display:block}
nav{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:10px 20px}nav.open{display:flex}nav a{margin:10px 0}}
@media(max-width:520px){.two,.ticks{grid-template-columns:1fr}.sec{padding:44px 0}th,td{padding:10px;font-size:.9rem}}

.contact a,.thanks p a{color:var(--gold);font-weight:800}.thanks p a{color:var(--blue)}
.hcall{color:var(--gold);font-weight:800;text-decoration:none;margin-left:auto;margin-right:18px;white-space:nowrap}
.mbar{display:none}
@media(max-width:900px){.hcall{display:none}.mbar{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:20;box-shadow:0 -2px 10px rgba(0,0,0,.25)}
.mbar a{flex:1;text-align:center;padding:14px 8px;font-weight:800;text-decoration:none;background:var(--navy);color:#fff}.mbar a+a{background:var(--gold);color:var(--navy);flex:.6}body{padding-bottom:52px}}
.mbar a{white-space:nowrap;font-size:.95rem}.mbar a+a{flex:0 0 32%}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.card.link{text-decoration:none;transition:.2s}.card.link:hover{transform:translateY(-3px);box-shadow:0 10px 30px rgba(13,42,74,.18)}.card.link em{color:var(--blue);font-style:normal;font-weight:700}.card.link p{color:#445}
.n{display:inline-grid;place-items:center;width:36px;height:36px;border-radius:50%;background:var(--gold);color:var(--navy);margin-bottom:8px}
.ticks.one{grid-template-columns:1fr}
.nopay{list-style:none;padding:0;display:grid;grid-template-columns:1fr 1fr;gap:10px}.nopay li{background:var(--bg);border-left:4px solid var(--gold);padding:12px 14px;border-radius:8px}.nopay li:before{content:"✕ ";color:#c0392b;font-weight:900}
.steplist li{margin-bottom:10px}.chips a,.toc a{display:inline-block;margin:4px;padding:8px 14px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:600;color:var(--navy);background:#fff}
.toc{text-align:center;margin-bottom:24px}.art{margin-bottom:22px}.art h2{color:var(--navy)}.eyebrow.dk{text-align:center;color:var(--blue)}
.btn.ghost{background:#fff;border:2px solid var(--navy)}
.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:24px}.flinks a{display:block;color:#c9d1dc;text-decoration:none;margin:3px 0}.flinks a:hover,footer a{color:var(--gold)}
@media(max-width:900px){.grid4,.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:900px){.mbar a{white-space:nowrap;font-size:.95rem;flex:1 1 auto;padding:14px 6px}.mbar a+a{flex:0 0 34%}}
@media(max-width:520px){.grid4,.fgrid,.nopay{grid-template-columns:1fr}}
.hero a:not(.btn){color:var(--gold);font-weight:700}
nav{display:flex;align-items:center;flex-wrap:nowrap}nav a{margin-left:14px;font-size:.9rem;white-space:nowrap}.hcall{margin-right:8px;font-size:.92rem}.brand{white-space:nowrap}
@media(max-width:1180px) and (min-width:901px){nav a{margin-left:10px;font-size:.84rem}.hcall{font-size:0}.hcall:before{content:"(603) 710-8424";font-size:.9rem}}
@media(max-width:900px){nav{display:none}nav.open{display:flex;flex-direction:column;align-items:flex-start}}