:root{--ink:#201515;--body:#36342e;--cream:#fffefb;--off:#fffdf9;--sand:#c5c0b1;--lsand:#eceae3;--muted:#939084;--orange:#ff4f00}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--body);font:16px/1.5 'Inter',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif}
h1,h2,h3{color:var(--ink);margin:0 0 16px}
h1{font-size:clamp(40px,5.4vw,64px);font-weight:500;line-height:.95;letter-spacing:-1.12px}
h2{font-size:clamp(30px,3.4vw,44px);font-weight:500;line-height:1.04;letter-spacing:-.5px}
h3{font-size:22px;font-weight:600;letter-spacing:-.44px;margin:16px 0 8px}
p{margin:0 0 16px}a{color:var(--ink)}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-9999px;background:var(--ink);color:var(--cream);padding:8px 16px;border-radius:4px;z-index:100}
.skip:focus{left:8px;top:8px}
.topbar{background:#151a20;color:#f7f5f1;font-size:13px;font-weight:500}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding-top:8px;padding-bottom:8px}
.topbar a{color:#f7f5f1;text-decoration:none;font-weight:600}
.topbar a:hover{text-decoration:underline}
.site-head{position:sticky;top:0;z-index:40;background:var(--cream);border-bottom:1px solid var(--sand)}
.nav{display:flex;align-items:center;gap:16px;padding:10px 0;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);margin-right:auto}
.brand b{font-size:17px;font-weight:700;letter-spacing:-.3px;display:block}
.brand small{display:block;font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.5px;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:2px;flex-wrap:wrap}
.nav-links a{color:var(--ink);text-decoration:none;font-weight:500;padding:12px 12px;border-radius:8px}
.nav-links a:hover{box-shadow:0 -4px 0 0 var(--sand) inset}
.nav-links a[aria-current="page"]{box-shadow:0 -4px 0 0 var(--orange) inset}
.btn{display:inline-block;font:600 16px/1 'Inter',sans-serif;text-decoration:none;border-radius:4px;padding:12px 18px;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-sm{padding:8px 16px}
.btn-orange{background:var(--orange);border-color:var(--orange);color:var(--cream)}
.btn-orange:hover{background:#d94300;border-color:#d94300}
.btn-dark{background:var(--ink);border-color:var(--ink);color:var(--cream);border-radius:8px;padding:16px 24px}
.btn-dark:hover{background:var(--sand);border-color:var(--sand);color:var(--ink)}
.btn-light{background:var(--lsand);border-color:var(--sand);color:var(--body);border-radius:8px;padding:16px 24px}
.btn-light:hover{background:var(--sand);color:var(--ink)}
a:focus-visible,button:focus-visible{outline:1px solid var(--orange);outline-offset:2px}
.eyebrow{font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;color:var(--muted);margin:0 0 12px}
.lede{font-size:20px;line-height:1.35;max-width:660px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin:0 0 24px}
.pill{display:inline-block;background:var(--cream);border:1px solid var(--sand);border-radius:20px;padding:6px 16px;font-size:14px;font-weight:500;color:var(--body)}
.hero{padding:56px 0 64px}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}
.hero-note{font-size:14px;color:var(--muted);margin:14px 0 32px}
.figure{border:1px solid var(--sand);border-radius:8px;padding:8px;background:var(--off)}
.figure figcaption{font-size:13px;color:var(--muted);padding:10px 6px 2px}
.sec{padding:64px 0}
.sec.rule{border-top:1px solid var(--sand)}
.sec-head{max-width:720px;margin-bottom:40px}
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:32px;border:1px solid var(--sand);border-radius:8px;padding:32px;background:var(--off)}
.stat b{display:block;font-size:clamp(36px,4vw,48px);font-weight:500;color:var(--ink);letter-spacing:-1px;line-height:1;margin-bottom:8px}
.stat span{font-size:16px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:var(--cream);border:1px solid var(--sand);border-radius:8px;padding:16px}
.card p{font-size:16px}
.more{font-weight:600;text-decoration:underline;text-underline-offset:3px}
.more:hover{text-decoration:none}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.checklist{list-style:none;margin:0 0 24px;padding:0;display:grid;gap:12px}
.checklist li{padding-left:28px;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:5px;width:14px;height:14px;border:1px solid var(--sand);border-radius:4px;background:var(--lsand);box-shadow:0 0 0 3px var(--lsand) inset}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{border:1px solid var(--sand);border-radius:8px;padding:24px;background:var(--cream)}
.num{width:40px;height:40px;border-radius:14px;border:1px solid var(--sand);display:flex;align-items:center;justify-content:center;font-weight:600;background:var(--lsand);color:var(--ink);margin-bottom:16px}
.step h3{margin-top:0}
.tagrow{display:flex;flex-wrap:wrap;gap:8px}
.quote-card{border:1px solid var(--sand);border-radius:8px;padding:32px;background:var(--off);max-width:760px}
blockquote{margin:0 0 16px;font-size:24px;line-height:1.35;color:var(--ink);font-weight:500;letter-spacing:-.3px}
.q-note{font-size:13px;color:var(--muted);margin:0}
.cta-band{border:1px solid var(--body);border-radius:8px;padding:48px 24px;text-align:center;background:var(--off)}
.cta-band p{max-width:560px;margin:0 auto}
.cta-band .actions{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:24px}
footer.site{background:#151a20;color:#f7f5f1;padding:56px 0 32px}
footer.site .brand{color:#f7f5f1}
footer.site .brand small{color:#c5c0b1}
footer.site a{color:#c5c0b1;text-decoration:none}
footer.site a:hover{color:#fffefb;text-decoration:underline}
footer.site h4{font-size:14px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;margin:0 0 12px}
footer.site ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px}
.fbottom{border-top:1px solid #36342e;margin-top:40px;padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#c5c0b1}
@media(max-width:960px){.split{grid-template-columns:1fr}.cards,.steps{grid-template-columns:1fr 1fr}.stats{grid-template-columns:1fr;gap:20px}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.cards,.steps,.fgrid{grid-template-columns:1fr}.nav-links a{padding:10px 8px}.topbar .hide-sm{display:none}.sec{padding:48px 0}}

.container,.section-inner,.hero-inner,.header-inner,.footer-inner{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:64px 0}
.section.rule,.section.rule+.section{border-top:1px solid var(--sand)}
.alt{background:var(--off)}
.section-alt{padding:64px 0;background:var(--lsand);border-top:1px solid var(--sand);border-bottom:1px solid var(--sand)}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:8px 24px}
.site-header{position:sticky;top:0;z-index:40;background:var(--cream);border-bottom:1px solid var(--sand)}
.site-header-inner{display:flex;align-items:center;gap:16px;padding:10px 0;flex-wrap:wrap}
.site-title{color:var(--ink);text-decoration:none;font-weight:700;font-size:20px;letter-spacing:-.3px;line-height:1.2}
.brand-sub{display:block;font-size:11px;color:var(--muted);font-weight:600;letter-spacing:.5px;text-transform:uppercase}
.site-nav{margin-left:auto}
.nav-list{display:flex;align-items:center;gap:2px;flex-wrap:wrap;list-style:none;margin:0;padding:0}
.nav-list a,.site-nav a{color:var(--ink);text-decoration:none;font-weight:500;padding:12px;border-radius:8px;display:inline-block}
.nav-list a:hover,.site-nav a:hover{box-shadow:0 -4px 0 0 var(--sand) inset}
.nav-list a[aria-current="page"]{box-shadow:0 -4px 0 0 var(--orange) inset}
.btn-primary,.btn-secondary,.btn-outline,.btn-nav{display:inline-block;font:600 16px/1 'Inter',sans-serif;text-decoration:none;border-radius:4px;padding:12px 18px;border:1px solid transparent;cursor:pointer;transition:background .15s,color .15s,border-color .15s}
.btn-primary{background:var(--orange);border-color:var(--orange);color:var(--cream)}
.btn-primary:hover{background:#d94300;border-color:#d94300}
.btn-secondary{background:var(--ink);border-color:var(--ink);color:var(--cream)}
.btn-secondary:hover{background:var(--sand);border-color:var(--sand);color:var(--ink)}
.btn-outline{background:transparent;border-color:var(--sand);color:var(--ink)}
.btn-outline:hover{background:var(--lsand)}
.btn-nav{background:var(--orange);border-color:var(--orange);color:var(--cream);padding:8px 16px}
.btn-nav:hover{background:#d94300;border-color:#d94300}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;align-items:center;margin-top:8px}
.page-intro{max-width:720px;margin-bottom:40px}
.check-list{list-style:none;margin:0 0 24px;padding:0;display:grid;gap:12px}
.check-list li{padding-left:28px;position:relative}
.check-list li::before{content:"";position:absolute;left:0;top:5px;width:14px;height:14px;border:1px solid var(--sand);border-radius:4px;background:var(--lsand);box-shadow:0 0 0 3px var(--lsand) inset}
.reasons{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.reason{border:1px solid var(--sand);border-radius:8px;padding:24px;background:var(--off)}
.service-card{background:var(--cream);border:1px solid var(--sand);border-radius:8px;padding:24px;display:flex;flex-direction:column;gap:8px}
.card-cta{display:inline-block;margin-top:auto;font-weight:600;color:var(--orange);text-decoration:none}
.card-cta:hover{text-decoration:underline;text-underline-offset:3px}
.testimonial{background:var(--lsand);border:1px solid var(--sand);border-radius:8px;padding:24px;font-size:18px;line-height:1.5}
.testimonial p{margin:0}
.testimonial cite{display:block;font-style:normal;font-size:14px;font-weight:600;color:var(--muted);margin-top:12px}
.toc{background:var(--off);border:1px solid var(--sand);border-radius:8px;padding:24px;margin:0 0 40px}
.toc h2{font-size:18px;letter-spacing:0;margin-bottom:12px}
.toc ol,.toc ul{margin:0;padding-left:20px;display:grid;gap:6px}
.toc a{color:var(--ink)}
.quote-layout{display:grid;grid-template-columns:1.2fr 1fr;gap:48px;align-items:start}
.quote-form{background:var(--off);border:1px solid var(--sand);border-radius:8px;padding:24px;display:grid;gap:16px}
.quote-help{background:var(--lsand);border:1px solid var(--sand);border-radius:8px;padding:24px;font-size:15px}
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.contact-details{list-style:none;margin:0 0 24px;padding:0;display:grid;gap:12px}
.contact-photo{display:block;width:100%;height:auto;border:1px solid var(--sand);border-radius:8px;background:var(--off)}
.contact-form{display:grid;gap:16px;background:var(--off);border:1px solid var(--sand);border-radius:8px;padding:24px}
.quote-form label,.contact-form label{display:block;font-weight:600;font-size:14px;color:var(--ink);margin-bottom:6px}
.quote-form input,.quote-form select,.quote-form textarea,.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px;border:1px solid var(--sand);border-radius:4px;background:var(--cream);color:var(--ink);font:inherit}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-note{font-size:13px;color:var(--muted);margin:8px 0 0}
.privacy-note{background:var(--lsand);border:1px solid var(--sand);border-radius:8px;padding:16px;font-size:14px;color:var(--body);margin:16px 0 0}
.legal{max-width:760px}
.legal h2{font-size:24px;margin:32px 0 12px}
.legal-meta{font-size:14px;color:var(--muted);margin:0 0 32px}
.site-footer{background:#151a20;color:#f7f5f1;font-size:14px;padding:48px 0 24px}
.site-footer a{color:#f7f5f1;text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
.footer-col h3{color:#f7f5f1;font-size:13px;font-weight:600;letter-spacing:.5px;text-transform:uppercase;margin:0 0 12px}
.footer-col ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.footer-bottom{border-top:1px solid #2c333c;margin-top:32px;padding-top:20px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:var(--muted)}
@media(max-width:900px){.reasons,.cards,.steps{grid-template-columns:1fr}.split,.quote-layout,.contact-grid,.footer-grid{grid-template-columns:1fr}.form-row{grid-template-columns:1fr}}
@media(max-width:640px){.footer-bottom{flex-direction:column;align-items:flex-start}.topbar-inner{flex-wrap:wrap}}