:root{
  --teal:#0360C6; --teal-dark:#0155A6; --teal-soft:#EAF2FD; --green:#45AA45; --green-dark:#2E8B36; --green-soft:#EDF7ED;
  --ink:#101828; --body:#475467; --muted:#98A2B3; --line:#E4E7EC;
  --bg:#F8FAFC; --navy:#111827; --navy-2:#1F2937;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Nunito Sans",system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--body);background:#fff;line-height:1.6;font-size:16px}
h1,h2,h3,h4{font-family:"Outfit","Nunito Sans",system-ui,sans-serif;color:var(--ink);line-height:1.15}
a{color:inherit;text-decoration:none}
button{font-family:inherit;cursor:pointer}
:focus-visible{outline:3px solid #F59E0B;outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
svg.i{width:20px;height:20px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex-shrink:0}

/* Notice + topbar */
.notice{background:#FEF3C7;color:#78350F;font-size:13px;padding:8px 20px;text-align:center}
.notice b{color:#92400E}
.topbar{background:var(--teal-dark);color:#fff;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding-top:9px;padding-bottom:9px;gap:12px;flex-wrap:wrap}
.topbar a{display:flex;align-items:center;gap:8px;font-weight:700}
.topbar span{color:#CFE3FA;font-size:13px}

/* Header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:14px;padding-bottom:14px;gap:16px}
.logo{display:flex;align-items:center;gap:10px}
.logo .mark{width:40px;height:40px;border-radius:9px;background:var(--teal);color:#fff;display:grid;place-items:center}
.logo b{display:block;font-family:"Outfit",sans-serif;font-size:17px;color:var(--ink);letter-spacing:.3px;line-height:1.1}
.logo small{display:block;font-size:12px;color:var(--body);letter-spacing:.6px}
nav ul{list-style:none;display:flex;gap:20px;align-items:center}
nav a{font-size:15px;font-weight:600;color:#344054}
nav a.active,nav a:hover{color:var(--teal)}
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--teal);color:#fff;border:0;border-radius:8px;padding:11px 20px;font-weight:700;font-size:15px}
.btn:hover{background:var(--teal-dark)}
.btn.lg{padding:16px 30px;font-size:17px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px;color:var(--ink)}

/* Hero */
.hero{background:var(--bg);padding:64px 0 72px}
.hero .wrap{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start;max-width:1220px}
.pill{display:inline-flex;align-items:center;gap:7px;background:var(--teal-soft);color:var(--teal-dark);border:1px solid #B5D3F5;border-radius:999px;padding:5px 14px;font-size:13px;font-weight:600}
.pill svg{width:15px;height:15px}
.hero h1{font-size:clamp(38px,5vw,56px);font-weight:800;margin:22px 0 22px;letter-spacing:-.5px}
.hero .lead{font-size:18px;max-width:560px}
.callout{margin:26px 0;border-left:4px solid var(--teal);background:#EFF5FD;padding:16px 20px;border-radius:0 8px 8px 0;font-size:15px;color:#344054}
.callout b{color:var(--ink)}
.or{display:block;margin:20px 0 22px;font-size:14px;color:var(--body)}
.or a{text-decoration:underline}
.tcpa{font-size:12.5px;color:var(--muted);max-width:560px;line-height:1.7}
.trust{margin-top:24px;display:grid;gap:10px;max-width:560px}
.trust div{display:flex;align-items:center;gap:12px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:13px 16px;font-size:15px}
.trust svg{color:var(--teal);width:18px;height:18px}
.trust b{color:var(--ink);font-weight:700}
.trust span{font-size:13px;color:var(--body)}

/* Quote form */
.quote{background:#fff;border-radius:14px;box-shadow:0 18px 44px -12px rgba(16,24,40,.18);overflow:hidden;position:sticky;top:96px}
.quote-head{background:var(--teal);color:#fff;padding:22px 26px 18px}
.quote-head h2{color:#fff;font-size:20px;margin-bottom:14px}
.bars{display:grid;grid-template-columns:repeat(3,1fr);gap:6px;margin-bottom:10px}
.bars i{height:5px;border-radius:5px;background:rgba(255,255,255,.3);transition:background .25s}
.bars i.on{background:#fff}
.quote-head p{font-size:13px;color:#DCEBFC}
.quote-body{padding:26px}
.quote-body h3{font-size:16px;font-weight:600;margin-bottom:16px;font-family:"Nunito Sans",sans-serif}
.types{display:grid;grid-template-columns:repeat(3,1fr);gap:12px}
.type{background:#fff;border:2px solid var(--line);border-radius:10px;padding:20px 8px;display:flex;flex-direction:column;align-items:center;gap:8px;font-size:14px;font-weight:600;color:#344054;transition:border-color .15s,background .15s}
.type:hover{border-color:#A9CBF2}
.type[aria-pressed="true"]{border-color:var(--teal);background:var(--teal-soft);color:var(--teal-dark)}
.type svg{width:24px;height:24px}
.field{margin-bottom:14px}
.field label{display:block;font-size:14px;font-weight:700;color:#344054;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;border:1px solid #D0D5DD;border-radius:8px;padding:12px 14px;font:inherit;font-size:15px;color:var(--ink);background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--teal);outline:none;box-shadow:0 0 0 3px #CFE2F9}
.row2{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.err{color:#B42318;font-size:13px;margin-top:8px;min-height:18px}
.actions{display:flex;gap:10px;margin-top:20px}
.actions .btn{flex:1;justify-content:center;padding:14px}
.btn.ghost{background:#fff;color:#344054;border:1px solid #D0D5DD;flex:0 0 auto}
.btn:disabled{background:#E4E7EC;color:#fff;cursor:not-allowed}
.check{display:flex;gap:10px;font-size:12px;color:var(--body);line-height:1.55;margin-top:6px}
.check input{margin-top:3px;accent-color:var(--teal);width:16px;height:16px;flex-shrink:0}
.small-note{text-align:center;font-size:13px;color:var(--muted);margin-top:16px}
.done{text-align:center;padding:16px 0}
.done .ok{width:64px;height:64px;border-radius:50%;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;margin:0 auto 16px}
.done .ok svg{width:32px;height:32px}
.done h3{font-family:"Outfit",sans-serif;font-size:22px;margin-bottom:8px}
[hidden]{display:none!important}

/* Sections */
section{padding:72px 0}
.center{text-align:center}
.sec-title{font-size:clamp(28px,3.4vw,36px);font-weight:700;margin-bottom:10px}
.sec-sub{font-size:16px;margin-bottom:36px}
.feats{display:grid;grid-template-columns:repeat(3,1fr);gap:40px;max-width:980px;margin:0 auto}
.feat{text-align:center}
.ico{width:58px;height:58px;border-radius:50%;background:var(--teal-soft);color:var(--teal);display:grid;place-items:center;margin:0 auto 14px}
.ico svg{width:26px;height:26px}
.feat h3{font-size:18px;margin-bottom:8px}
.feat p{font-size:15px}
.feat .step{display:block;color:var(--teal);font-weight:700;font-size:15px;margin-bottom:6px}
.providers{background:var(--bg)}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:1040px;margin:0 auto}
.grid4 div{background:#fff;border:1px solid var(--line);border-radius:8px;padding:14px 10px;text-align:center;font-weight:600;color:#344054;font-size:15px}
.tm{max-width:1040px;margin:28px auto 0;border-left:3px solid #D0D5DD;padding:4px 0 4px 18px;font-size:13px;text-align:left}
.tm b{color:#344054}
.cta{background:var(--teal);color:#fff;text-align:center}
.cta h2{color:#fff;font-size:clamp(28px,3.4vw,36px);margin-bottom:10px}
.cta p{color:#DCEBFC;font-size:18px;margin-bottom:30px}
.btn.outline{background:transparent;border:2px solid #fff;padding:15px 30px;font-size:17px}
.btn.outline:hover{background:#fff;color:var(--teal-dark)}
.disc-box{max-width:900px;margin:0 auto;border:1px solid var(--line);border-radius:10px;padding:22px 26px;font-size:14px}
.disc-box b{color:var(--ink)}

/* Inner pages */
.page-hero{background:var(--bg);padding:56px 0 44px;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(32px,4vw,44px);font-weight:800;margin-bottom:10px}
.page-hero p{font-size:17px;max-width:680px}
.prose{max-width:780px;padding:52px 20px 72px;margin:0 auto}
.prose h2{font-size:24px;margin:34px 0 12px}
.prose h2:first-child{margin-top:0}
.prose p,.prose li{margin-bottom:12px;font-size:16px}
.prose ul{padding-left:22px}
.prose .updated{font-size:14px;color:var(--muted);margin-bottom:28px}
details{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff}
summary{padding:18px 22px;font-weight:700;color:var(--ink);cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:16px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--teal);font-size:22px;line-height:1}
details[open] summary::after{content:"−"}
details p{padding:0 22px 18px}
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:40px;max-width:1040px;margin:0 auto;padding:52px 20px 72px}
.cinfo{display:grid;gap:14px;align-content:start}
.cinfo div{display:flex;gap:14px;background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:18px}
.cinfo svg{color:var(--teal);margin-top:2px}
.cinfo b{display:block;color:var(--ink)}
.cform{border:1px solid var(--line);border-radius:12px;padding:28px}

/* Footer */
footer{background:var(--navy);color:#98A2B3;padding:56px 0 28px;font-size:14px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:36px}
footer .logo b{color:#fff}
footer .logo small{color:#98A2B3}
footer h4{color:#fff;font-size:16px;margin-bottom:16px}
footer ul{list-style:none;display:grid;gap:11px}
footer a:hover{color:#fff}
.co{color:#fff;font-weight:700;margin-top:16px}
.lic{color:#D0D5DD;margin:4px 0 12px}
.fc li{display:flex;gap:10px}
.fc svg{width:16px;height:16px;margin-top:3px}
.fdisc{background:var(--navy-2);border-radius:10px;padding:22px 24px;margin-top:44px;font-size:13px;line-height:1.75}
.fdisc b{color:#fff;display:block;margin-bottom:8px}
.fdisc p{margin-bottom:10px}
.copy{text-align:center;margin-top:28px;font-size:13px}

@media (max-width:980px){
  .hero .wrap{grid-template-columns:1fr;gap:40px}
  .quote{position:static}
  nav ul{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);gap:4px}
  nav ul.open{display:flex}
  nav ul a{display:block;padding:10px 0}
  .menu-btn{display:block}
  .fgrid{grid-template-columns:1fr 1fr}
  .contact-grid{grid-template-columns:1fr}
}
@media (max-width:640px){
  .feats{grid-template-columns:1fr;gap:32px}
  .grid4{grid-template-columns:1fr 1fr}
  .types{grid-template-columns:repeat(2,1fr)}
  .row2{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .topbar span{display:none}
  .notice{font-size:12px}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* Brand logo */
.logo img{height:52px;width:auto;display:block}
.flogo{display:inline-block;background:#fff;border-radius:10px;padding:10px 14px}
.flogo img{height:46px;width:auto;display:block}
.pill{background:var(--green-soft);color:var(--green-dark);border-color:#BFE3BF}
.trust svg,.feat .step{color:var(--green-dark)}
.callout{border-left-color:var(--green)}
.copy a:hover{color:#fff}
@media (max-width:640px){.logo img{height:42px}}