:root{--navy:#0b3d91;--blue:#1769e0;--sky:#eaf3ff;--ink:#14263f;--mute:#4d6280;--line:#d3e2f7;--r:16px}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:70px}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;padding-bottom:74px}
img{max-width:100%;height:auto;display:block}a{color:var(--blue)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}h1{font-size:1.9rem}h2{font-size:1.6rem}h3{font-size:1.15rem}
.top{position:sticky;top:0;z-index:20;display:flex;justify-content:space-between;align-items:center;padding:8px 16px;background:#fff;border-bottom:1px solid var(--line)}
.logo img{height:38px;width:auto}
.burger{width:44px;height:44px;border:0;background:var(--sky);border-radius:12px;cursor:pointer;position:relative}
.burger span,.burger span::before,.burger span::after{position:absolute;left:12px;width:20px;height:2px;background:var(--navy);content:"";transition:.2s}
.burger span{top:21px}.burger span::before{left:0;top:-6px}.burger span::after{left:0;top:6px}
.burger[aria-expanded=true] span{background:transparent}.burger[aria-expanded=true] span::before{top:0;transform:rotate(45deg)}.burger[aria-expanded=true] span::after{top:0;transform:rotate(-45deg)}
nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;padding:8px 16px 16px;border-bottom:1px solid var(--line);box-shadow:0 12px 20px rgba(11,61,145,.08)}
nav.open{display:block}nav a{display:block;padding:12px 4px;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--sky);font-weight:600}
.hero{position:relative;background:var(--navy);color:#fff}
.hero img{width:100%;height:240px;object-fit:cover;opacity:.55}
.hero-txt{padding:24px 20px 28px}.hero h1{color:#fff}.hero p{margin:0 0 18px}
.hours{font-size:.9rem;opacity:.85;margin:16px 0 0!important}
.btn{display:inline-block;padding:14px 22px;margin:0 8px 10px 0;border-radius:999px;background:var(--blue);color:#fff;font:600 1rem system-ui,sans-serif;text-decoration:none;border:2px solid var(--blue);cursor:pointer}
.btn.ghost{background:transparent;border-color:currentColor;color:#fff}.sec .btn.ghost,.alt .btn.ghost{color:var(--blue)}
.hero .btn{background:#fff;color:var(--navy);border-color:#fff}.hero .btn.ghost{background:transparent;color:#fff}
.free{background:var(--blue);color:#fff;padding:32px 20px}.free h2{color:#fff}.free p{margin:0 0 .8em}
.sec{padding:40px 20px}.alt{background:var(--sky)}.sec>*{max-width:760px;margin-left:auto;margin-right:auto}
.cards{display:grid;gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;padding-bottom:18px}
.card img{width:100%;height:170px;object-fit:cover;margin-bottom:14px}.card h3,.card p,.card a{margin-left:18px;margin-right:18px}.card p{margin-top:0}
.steps{list-style:none;padding:0;margin:0;counter-reset:s}
.steps li{counter-increment:s;position:relative;padding:0 0 22px 56px;border-left:2px solid var(--blue);margin-left:18px}
.steps li::before{content:counter(s);position:absolute;left:-19px;top:0;width:36px;height:36px;border-radius:50%;background:var(--blue);color:#fff;font-weight:700;display:grid;place-items:center}
.steps li{margin-left:18px;padding-left:34px}.steps h3{margin-bottom:.2em}
.calc,.form{display:grid;gap:8px;background:#fff;padding:18px;border-radius:var(--r);border:1px solid var(--line)}
label{font-weight:600}input,textarea{width:100%;padding:13px;border:1.5px solid var(--line);border-radius:12px;font:inherit;color:var(--ink)}
input:focus,textarea:focus,summary:focus-visible,a:focus-visible,button:focus-visible{outline:3px solid #8ab8ff;outline-offset:2px}
.chk{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:.92rem}.chk input{width:22px;height:22px;margin-top:2px}
.hp{position:absolute;left:-9999px}#calc-out{margin:6px 0 0;font-weight:600;color:var(--navy)}
.law{background:var(--sky);border-left:4px solid var(--blue);padding:14px 16px;border-radius:0 12px 12px 0;margin-top:14px}.law h3{margin-bottom:.3em}.law p{margin:0}
details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:10px}
summary{cursor:pointer;padding:15px 16px;font-weight:600;color:var(--navy)}details p{margin:0;padding:0 16px 16px}
.wide{border-radius:var(--r);margin:18px auto}.why{padding-left:20px}.why li{margin-bottom:8px}
.logos{display:flex;gap:22px;align-items:center;flex-wrap:wrap}.logos img{height:34px;width:auto}
.score{display:flex;align-items:baseline;gap:10px}.score b{font-size:3rem;color:var(--blue)}
blockquote{margin:14px auto;background:#fff;padding:16px 18px;border-radius:var(--r);border-left:4px solid var(--blue)}
table{width:100%;border-collapse:collapse;margin:14px auto}th,td{padding:12px 6px;border-bottom:1px solid var(--line);text-align:left;font-weight:400}td{text-align:right;font-weight:700;color:var(--navy);white-space:nowrap}
.note{font-size:.9rem;color:var(--mute)}.sr{position:absolute;left:-9999px}
footer{background:var(--navy);color:#cfe0fb;padding:28px 20px;font-size:.93rem}footer a{color:#fff}footer p{margin:0 0 10px}footer .note{color:#9db9e6}
.dock{position:fixed;left:0;right:0;bottom:0;z-index:30;display:flex;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:#fff;border-top:1px solid var(--line)}
.dock a{flex:1;text-align:center;padding:14px;border-radius:999px;font-weight:700;text-decoration:none;background:var(--blue);color:#fff}.dock a+a{background:var(--sky);color:var(--navy)}
@media(min-width:760px){body{padding-bottom:0}.dock{display:none}.burger{display:none}
nav{display:flex;position:static;gap:18px;border:0;box-shadow:none;padding:0}nav a{border:0;padding:6px;font-size:.95rem}
.cards{grid-template-columns:1fr 1fr}.hero{display:grid;grid-template-columns:1fr 1fr;min-height:480px}.hero img{height:100%;order:2;opacity:1}.hero-txt{align-self:center;padding:40px}h1{font-size:2.4rem}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto!important;transition:none!important}}