:root {
  --navy: #0B3954;
  --navy-2: #134B6D;
  --navy-line: #1E5A7E;
  --ink: #10222E;
  --muted: #45596A;
  --muted-2: #5D7080;
  --on-navy: #C9DAE6;
  --on-navy-2: #A9C0D0;
  --line: #D5E0E8;
  --soft: #F3F7FA;
  --yellow: #FFC53D;
  --cream: #FFF6DE;
  --amber: #8A5A00;
  --radius: 14px;
  --display: "Archivo", "Arial Narrow", "Helvetica Neue", sans-serif;
  --body: "Source Sans 3", "Segoe UI", "Helvetica Neue", sans-serif;
  --wrap: 1120px;
  --pad: clamp(20px, 5vw, 80px);
}

*, *::before, *::after { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; scroll-behavior: smooth; }
body { margin: 0; font-family: var(--body); font-size: 18px; line-height: 1.6; color: var(--ink); background: #fff; }
img, svg { max-width: 100%; display: block; }
a { color: var(--navy); text-underline-offset: 3px; }
a:hover { color: #072638; }
:focus-visible { outline: 3px solid var(--yellow); outline-offset: 2px; border-radius: 4px; }
h1, h2, h3 { font-family: var(--display); letter-spacing: -0.01em; line-height: 1.1; margin: 0; }
h2 { font-size: clamp(26px, 3.2vw, 36px); font-weight: 800; }
h3 { font-size: 21px; font-weight: 700; }
p { margin: 0 0 1em; }
p:last-child { margin-bottom: 0; }
.skip { position: absolute; left: -9999px; }
.skip:focus { left: 16px; top: 16px; z-index: 100; background: #fff; padding: 10px 16px; }

.wrap { width: 100%; max-width: calc(var(--wrap) + var(--pad) * 2); margin: 0 auto; padding-left: var(--pad); padding-right: var(--pad); }
.section { padding-top: clamp(48px, 7vw, 80px); padding-bottom: clamp(48px, 7vw, 80px); }
.section--soft { background: var(--soft); }
.section-head { display: flex; flex-wrap: wrap; justify-content: space-between; align-items: baseline; gap: 12px 24px; margin-bottom: 28px; }
.section-head a { font-weight: 700; }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 10px; min-height: 48px; padding: 14px 24px; border-radius: 10px; font-weight: 700; font-size: 17px; text-decoration: none; border: 0; cursor: pointer; }
.btn--call { background: var(--yellow); color: var(--ink); }
.btn--call:hover { background: #F2B41F; color: var(--ink); }
.btn--navy { background: var(--navy); color: #fff; }
.btn--navy:hover { background: #072638; color: #fff; }
.btn--light { background: #EEF3F7; color: var(--ink); }
.btn--light:hover { background: #E1EAF1; color: var(--ink); }
.btn svg { width: 20px; height: 20px; flex-shrink: 0; }

/* Header + hero band */
.band { background: var(--navy); color: #fff; }
.site-header { display: flex; align-items: center; justify-content: space-between; gap: 24px; padding-top: 22px; padding-bottom: 22px; }
.logo { font-family: var(--display); font-weight: 800; font-size: 24px; color: #fff; text-decoration: none; }
.logo:hover { color: #fff; }
.nav { display: flex; gap: 32px; }
.nav a { color: #DCE8F0; text-decoration: none; font-weight: 600; font-size: 16px; }
.nav a:hover { color: #fff; }
.menu-toggle { display: none; }
.crumbs { display: flex; flex-wrap: wrap; gap: 8px; font-size: 15px; color: var(--on-navy-2); margin: 0; padding: 0; list-style: none; }
.crumbs li + li::before { content: "›"; margin-right: 8px; }
.crumbs a { color: var(--on-navy); }
.crumbs [aria-current] { color: #fff; }
.crumbs--light { color: var(--muted-2); }
.crumbs--light a { color: var(--muted); }
.crumbs--light [aria-current] { color: var(--ink); }

.hero { display: grid; grid-template-columns: minmax(0, 7fr) minmax(0, 5fr); gap: clamp(32px, 4vw, 48px); align-items: center; padding-top: 40px; padding-bottom: 88px; }
.hero--top { align-items: start; padding-top: 28px; padding-bottom: 72px; }
.hero h1 { font-size: clamp(34px, 5vw, 60px); line-height: 1.03; font-weight: 800; letter-spacing: -0.02em; }
.hero .lead { font-size: clamp(17px, 1.6vw, 20px); line-height: 1.5; color: var(--on-navy); margin: 20px 0 24px; max-width: 34em; }
.hero-art { display: flex; justify-content: center; }
.hero-art svg { width: 100%; max-width: 480px; height: auto; }

.filter { background: #fff; color: var(--ink); border-radius: 16px; padding: 22px; max-width: 560px; }
.filter__q { font-family: var(--display); font-size: 20px; font-weight: 600; margin-bottom: 14px; }
.filter__row { display: flex; gap: 12px; }
.filter__row .btn { flex: 1 1 0; }

.risk { background: var(--navy-2); border-radius: 18px; }
.risk__title { padding: 18px 24px; font-size: 15px; font-weight: 700; color: var(--yellow); }
.risk__row { display: flex; justify-content: space-between; align-items: baseline; gap: 16px; padding: 14px 24px; border-top: 1px solid var(--navy-line); }
.risk__row span:first-child { color: var(--on-navy); font-size: 16px; }
.risk__row strong { font-family: var(--display); font-size: 28px; font-weight: 800; }
.risk__src { padding: 12px 24px 18px; border-top: 1px solid var(--navy-line); font-size: 13px; color: var(--on-navy-2); }

/* Home blocks */
.signs { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 20px; }
.sign { background: var(--soft); border-radius: 16px; padding: 26px; }
.sign svg { width: 36px; height: 36px; margin-bottom: 14px; }
.sign h3 { font-family: var(--body); font-size: 19px; margin-bottom: 8px; }
.sign p { font-size: 16px; line-height: 1.5; color: var(--muted); }

.steps { background: var(--cream); }
.steps ol { list-style: none; margin: 0; padding: 0; display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; counter-reset: s; }
.steps li { display: flex; gap: 18px; align-items: flex-start; counter-increment: s; }
.steps li::before { content: counter(s); flex-shrink: 0; width: 48px; height: 48px; border-radius: 50%; background: var(--navy); color: #fff; display: flex; align-items: center; justify-content: center; font-family: var(--display); font-weight: 800; font-size: 20px; }
.steps strong { display: block; font-size: 19px; margin-bottom: 4px; }
.steps span { font-size: 16px; color: var(--muted); line-height: 1.5; }

.chips { display: flex; flex-wrap: wrap; gap: 12px; margin: 0; padding: 0; list-style: none; }
.chips a { display: inline-block; padding: 11px 20px; border: 1.5px solid #C5D4DE; border-radius: 999px; color: var(--ink); font-weight: 600; text-decoration: none; }
.chips a:hover { border-color: var(--navy); color: var(--navy); }

/* Guide cards */
.guides-grid { display: grid; grid-template-columns: minmax(0, 1fr) minmax(0, 1fr); gap: 28px; }
.guides-grid__side { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 24px; align-content: start; }
.card { display: flex; flex-direction: column; gap: 10px; color: var(--ink); text-decoration: none; }
.card:hover .card__title { text-decoration: underline; }
.card--feature { background: #fff; border-radius: 18px; padding: 20px; }
.card__img { border-radius: 12px; aspect-ratio: 16 / 9; object-fit: cover; width: 100%; background: #E4EDF3; }
.card__cat { font-size: 14px; font-weight: 700; color: var(--amber); }
.card__title { font-family: var(--display); font-size: 21px; font-weight: 600; line-height: 1.2; }
.card--feature .card__title { font-size: clamp(24px, 2.4vw, 30px); font-weight: 800; }
.card__ex { font-size: 16px; line-height: 1.5; color: var(--muted); }
.card__meta { font-size: 14px; color: var(--muted-2); }
.cards-3 { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 24px; }
.mini-card { display: flex; flex-direction: column; gap: 8px; padding: 18px; background: var(--soft); border-radius: var(--radius); color: var(--ink); text-decoration: none; }
.mini-card:hover .card__title { text-decoration: underline; }
.mini-card .card__title { font-size: 18px; }

/* FAQ */
.faq-layout { display: grid; grid-template-columns: minmax(0, 4fr) minmax(0, 8fr); gap: 40px; }
.faq-layout__intro p { color: var(--muted); font-size: 17px; margin: 16px 0 20px; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); padding: 20px 0; }
.faq summary { font-size: 19px; font-weight: 700; cursor: pointer; list-style: none; display: flex; justify-content: space-between; gap: 16px; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--navy); font-size: 24px; line-height: 1; }
.faq details[open] summary::after { content: "−"; }
.faq .answer { margin-top: 12px; font-size: 17px; line-height: 1.6; color: var(--muted); }

/* CTA band */
.cta-band { background: var(--yellow); }
.cta-band .wrap { display: flex; flex-wrap: wrap; align-items: center; justify-content: space-between; gap: 20px 32px; padding-top: 52px; padding-bottom: 52px; }
.cta-band p { margin: 0; font-family: var(--display); font-size: clamp(24px, 3vw, 34px); font-weight: 800; line-height: 1.15; }

/* Page layout with aside */
.layout { display: grid; grid-template-columns: minmax(0, 8fr) minmax(0, 4fr); gap: 56px; align-items: start; }
.article > section { margin-bottom: 56px; scroll-margin-top: 24px; }
.article > section:last-child { margin-bottom: 0; }
.article h2 { margin-bottom: 18px; }
.prose { font-size: 18px; line-height: 1.65; color: #2E4150; }
.prose h2 { margin: 1.6em 0 0.6em; }
.prose h3 { margin: 1.4em 0 0.5em; }
.prose ul, .prose ol { padding-left: 1.3em; }
.prose li { margin-bottom: 0.4em; }
.prose table { width: 100%; border-collapse: collapse; margin: 1em 0; font-size: 16px; }
.prose th, .prose td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); }
.table-scroll { overflow-x: auto; }
.aside { position: sticky; top: 24px; display: flex; flex-direction: column; gap: 20px; }
.call-card { background: var(--navy); color: #fff; border-radius: 18px; padding: 26px; display: flex; flex-direction: column; gap: 12px; }
.call-card strong { font-family: var(--display); font-size: 22px; line-height: 1.15; }
.call-card span { color: var(--on-navy); font-size: 15px; }
.toc { border: 1.5px solid var(--line); border-radius: 16px; padding: 20px 24px; }
.toc__title { font-size: 14px; font-weight: 700; color: var(--muted-2); margin-bottom: 6px; }
.toc ul { list-style: none; margin: 0; padding: 0; }
.toc a { display: block; padding: 6px 0; color: #2E4150; text-decoration: none; font-size: 15px; }
.toc a:hover { color: var(--navy); text-decoration: underline; }
.byline { font-size: 14px; color: var(--muted-2); padding: 0 4px; }
.byline a { color: var(--muted); }

.chart { border: 1.5px solid var(--line); border-radius: 16px; padding: 24px; margin-top: 20px; }
.chart__title { font-weight: 700; font-size: 16px; margin-bottom: 14px; }
.chart__bars { display: flex; align-items: flex-end; gap: 8px; height: 180px; }
.chart__bar { flex: 1 1 0; display: flex; flex-direction: column; align-items: center; justify-content: flex-end; gap: 6px; height: 100%; font-size: 12px; color: var(--muted); }
.chart__bar i { display: block; width: 100%; background: #8FB8D6; border-radius: 6px 6px 0 0; }
.chart__bar i.high { background: var(--navy); }
.chart__src { font-size: 13px; color: var(--muted-2); margin-top: 12px; }

.svc-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 16px; }
.svc { display: flex; flex-direction: column; gap: 6px; padding: 22px; border: 1.5px solid var(--line); border-radius: var(--radius); color: var(--ink); text-decoration: none; }
a.svc:hover { border-color: var(--navy); }
.svc strong { font-size: 19px; }
.svc span { font-size: 16px; color: var(--muted); line-height: 1.5; }

.cost-table { border: 1.5px solid var(--line); border-radius: var(--radius); overflow: hidden; margin-bottom: 18px; }
.cost-table table { width: 100%; border-collapse: collapse; font-size: 17px; }
.cost-table th { background: var(--soft); text-align: left; padding: 14px 20px; font-size: 14px; color: var(--muted); }
.cost-table td { padding: 16px 20px; border-top: 1px solid var(--line); }
.cost-table td:last-child, .cost-table th:last-child { text-align: right; font-weight: 700; }

.note { display: flex; gap: 18px; align-items: center; background: var(--cream); border-radius: var(--radius); padding: 22px 24px; margin-top: 18px; }
.note svg { width: 40px; height: 40px; flex-shrink: 0; }
.note strong { display: block; font-size: 17px; }
.note span { font-size: 16px; color: var(--muted); }

.zips { display: flex; flex-wrap: wrap; gap: 8px; margin-top: 14px; }
.zips span { padding: 7px 14px; background: var(--soft); border-radius: 8px; font-size: 15px; font-weight: 600; }
.checklist { list-style: none; padding: 0; margin: 0; display: grid; gap: 10px; }
.checklist li { display: flex; gap: 12px; align-items: flex-start; font-size: 17px; }
.checklist li::before { content: ""; flex-shrink: 0; width: 20px; height: 20px; margin-top: 4px; border-radius: 50%; background: var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23fff' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 12l4 4 8-8'/%3E%3C/svg%3E") center / 14px no-repeat; }

.regions { display: grid; grid-template-columns: repeat(auto-fill, minmax(220px, 1fr)); gap: 28px 32px; }
.regions h3 { font-size: 17px; font-family: var(--body); color: var(--amber); margin-bottom: 10px; }
.regions ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 6px; }

/* Simple page header */
.page-head { padding-top: 12px; padding-bottom: 56px; }
.page-head h1 { font-size: clamp(32px, 4.4vw, 52px); font-weight: 800; letter-spacing: -0.02em; margin-top: 18px; max-width: 20em; }
.page-head .lead { color: var(--on-navy); font-size: 19px; margin: 16px 0 0; max-width: 40em; }
.page-head .meta { color: var(--on-navy-2); font-size: 15px; margin-top: 16px; }
.page-head .meta a { color: var(--on-navy); }
.sources { font-size: 15px; color: var(--muted); border-top: 1px solid var(--line); padding-top: 20px; }
.sources ol { padding-left: 1.2em; }

/* Footer */
.site-footer { background: var(--navy); color: var(--on-navy); font-size: 15px; }
.site-footer .wrap { padding-top: 64px; padding-bottom: 44px; }
.footer-cols { display: grid; grid-template-columns: repeat(4, minmax(0, 1fr)); gap: 40px; }
.footer-cols h2 { font-family: var(--body); font-size: 16px; font-weight: 700; color: #fff; margin-bottom: 12px; letter-spacing: 0; }
.footer-cols ul { list-style: none; margin: 0; padding: 0; display: grid; gap: 10px; }
.footer-cols a { color: var(--on-navy); text-decoration: none; }
.footer-cols a:hover { color: #fff; text-decoration: underline; }
.footer-brand { display: flex; flex-direction: column; gap: 14px; }
.footer-brand .logo { font-size: 22px; }
.footer-phone { color: var(--yellow) !important; font-weight: 700; font-size: 17px; }
.social { display: flex; gap: 10px; }
.social a { width: 40px; height: 40px; border-radius: 50%; background: var(--navy-2); display: flex; align-items: center; justify-content: center; color: #fff; font-size: 12px; font-weight: 700; text-decoration: none; }
.social a:hover { background: var(--navy-line); }
.disclaimer { margin-top: 36px; padding-top: 24px; border-top: 1px solid var(--navy-line); font-size: 13px; line-height: 1.6; color: var(--on-navy-2); }
.copyright { margin-top: 16px; font-size: 13px; color: var(--on-navy-2); }

/* Sticky mobile call bar */
.sticky-call { display: none; }

@media (max-width: 960px) {
  .hero, .hero--top, .layout, .faq-layout, .guides-grid { grid-template-columns: minmax(0, 1fr); }
  .hero-art { display: none; }
  .signs { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .steps ol, .cards-3 { grid-template-columns: minmax(0, 1fr); }
  .footer-cols { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .aside { position: static; }
  .aside .call-card { display: none; }
}

@media (max-width: 720px) {
  body { font-size: 17px; padding-bottom: 84px; }
  .nav, .site-header > .btn { display: none; }
  .menu-toggle { display: flex; align-items: center; justify-content: center; width: 44px; height: 44px; border: 1.5px solid #3C6E8F; border-radius: 10px; background: transparent; color: #fff; cursor: pointer; }
  .menu-toggle svg { width: 22px; height: 22px; }
  .nav.is-open { display: flex; flex-direction: column; gap: 4px; position: absolute; left: 0; right: 0; top: 76px; z-index: 20; background: var(--navy); padding: 12px var(--pad) 24px; border-top: 1px solid var(--navy-line); }
  .nav.is-open a { padding: 12px 0; font-size: 18px; }
  .site-header { position: relative; padding-top: 16px; padding-bottom: 16px; }
  .filter__row { flex-direction: column; }
  .signs, .svc-grid, .guides-grid__side { grid-template-columns: minmax(0, 1fr); }
  .footer-cols { grid-template-columns: minmax(0, 1fr); }
  .sticky-call { display: flex; position: fixed; left: 0; right: 0; bottom: 0; z-index: 30; padding: 12px 16px calc(12px + env(safe-area-inset-bottom)); background: #fff; border-top: 1px solid var(--line); }
  .sticky-call .btn { width: 100%; font-size: 18px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
}
.section--flush { padding-top: 0; }