@font-face{font-family:"Sora";src:url(/fonts/sora-latin.woff2) format("woff2");font-weight:600 800;font-display:swap}
@font-face{font-family:"DM Sans";src:url(/fonts/dmsans-latin.woff2) format("woff2");font-weight:400 700;font-display:swap}
:root{
  --navy:#04356c;--navy-900:#021d3d;--navy-800:#032a55;--purple:#834ab5;--purple-600:#6d3a9c;--sky:#b0cde5;--sky-50:#eef5fb;
  --ink:#262c36;--muted:#5d6470;--line:#dde1e7;--bg:#fff;--soft:#f5f7fa;--ok:#11734b;
  --radius:14px;--shadow:0 10px 30px rgba(2,29,61,.12);--max:1180px;
  --font-head:"Sora",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;--font-body:"DM Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font-body);font-size:1.0625rem;line-height:1.65;color:var(--ink);background:var(--bg);padding-bottom:72px}
@media (min-width:900px){body{padding-bottom:0}}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--purple-600)}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.18;color:var(--navy-900);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.55rem,3vw,2.25rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.container{width:min(100% - 2.5rem,var(--max));margin-inline:auto}
.narrow{max-width:820px}
.skip-link{position:absolute;left:-9999px;top:0;background:#fff;color:var(--navy);padding:.6rem 1rem;z-index:1000;font-weight:700}
.skip-link:focus{left:1rem;top:1rem}
:focus-visible{outline:3px solid var(--purple);outline-offset:2px}
.visually-hidden{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}

/* Top bar */
.topbar{background:var(--navy-900);color:#dfe8f3;font-size:.875rem}
.topbar .container{display:flex;gap:1.25rem;justify-content:center;flex-wrap:wrap;padding:.4rem 0}
.topbar a{color:#fff}
.topbar .stars{color:#ffc94d;letter-spacing:1px}
@media (max-width:640px){.topbar .hide-sm{display:none}}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);box-shadow:0 2px 14px rgba(0,0,0,.18)}
.site-header .container{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:72px}
.brand{display:flex;align-items:center;gap:.7rem;text-decoration:none;color:#fff}
.brand img{width:80px;height:60px;object-fit:contain}
.brand span{font-family:var(--font-head);font-weight:700;font-size:1.05rem;line-height:1.1}
.brand small{display:block;font-family:var(--font-body);font-weight:500;font-size:.75rem;color:var(--sky)}
.nav-toggle{display:inline-flex;align-items:center;gap:.4rem;background:transparent;border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:10px;padding:.5rem .8rem;font:inherit;font-weight:700;cursor:pointer}
.primary-nav{display:none}
.primary-nav.open{display:block;position:absolute;left:0;right:0;top:100%;background:var(--navy-800);padding:1rem 1.25rem 1.5rem;box-shadow:var(--shadow)}
.primary-nav ul{list-style:none;margin:0;padding:0}
.primary-nav a{color:#fff;text-decoration:none;font-weight:600;display:block;padding:.55rem .25rem}
.primary-nav a:hover,.primary-nav a[aria-current="page"]{color:var(--sky)}
.primary-nav .sub{padding-left:.8rem;border-left:2px solid rgba(255,255,255,.15);margin:.2rem 0 .4rem}
.primary-nav .sub a{font-weight:500;padding:.35rem .25rem;font-size:.97rem}
.nav-label{color:var(--sky);font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;font-weight:700;padding:.5rem .25rem .1rem}
.header-cta{display:none}
@media (min-width:1080px){
  .nav-toggle{display:none}
  .primary-nav,.primary-nav.open{display:block;position:static;background:none;padding:0;box-shadow:none}
  .primary-nav>ul{display:flex;gap:.35rem;align-items:center}
  .primary-nav>ul>li{position:relative}
  .primary-nav>ul>li>a,.primary-nav .dd-btn{padding:.5rem .7rem;border-radius:8px}
  .primary-nav .nav-label{display:none}
  .primary-nav .dd-btn{display:block;color:#fff;font-weight:600;background:none;border:0;font:inherit;font-weight:600;cursor:pointer}
  .primary-nav .sub{display:none;position:absolute;top:100%;left:0;min-width:250px;background:#fff;border:0;border-radius:12px;box-shadow:var(--shadow);padding:.5rem;margin:0}
  .primary-nav .sub.wide{min-width:460px;columns:2}
  .primary-nav li:hover>.sub,.primary-nav li:focus-within>.sub{display:block}
  .primary-nav .sub a{color:var(--navy);padding:.45rem .7rem;border-radius:8px}
  .primary-nav .sub a:hover{background:var(--sky-50);color:var(--purple-600)}
  .header-cta{display:flex;gap:.5rem}
}
@media (max-width:1079px){.primary-nav .dd-btn{display:none}}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;padding:.85rem 1.35rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit;font-weight:700;line-height:1.2;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--purple);color:#fff}
.btn-primary:hover{background:var(--purple-600);color:#fff}
.btn-light{background:#fff;color:var(--navy)}
.btn-light:hover{color:var(--purple-600)}
.btn-outline{border-color:rgba(255,255,255,.6);color:#fff}
.btn-outline:hover{background:rgba(255,255,255,.1);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-900);color:#fff}
.btn-lg{padding:1rem 1.6rem;font-size:1.08rem}
.btn svg{width:1.15em;height:1.15em;flex:none}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,rgba(131,74,181,.45),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-900) 100%);color:#e9f0f8;padding:clamp(2.5rem,6vw,5rem) 0}
.hero h1{color:#fff}
.hero .lead{font-size:1.18rem;color:#dbe6f2;max-width:640px}
.hero-grid{display:grid;gap:2.5rem;align-items:center}
@media (min-width:960px){.hero-grid{grid-template-columns:1.25fr .9fr}}
.eyebrow{display:inline-block;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);color:#fff;font-weight:700;font-size:.85rem;letter-spacing:.04em;padding:.35rem .8rem;border-radius:999px;margin-bottom:1rem}
.free-badge{display:inline-block;font-family:var(--font-head);font-weight:800;color:#fff;background:var(--purple);padding:.15em .5em;border-radius:.35em}
.hero .actions{display:flex;flex-wrap:wrap;gap:.75rem;margin:1.5rem 0 1.25rem}
.trust-row{display:flex;flex-wrap:wrap;gap:.6rem 1.4rem;list-style:none;padding:0;margin:0;font-weight:600;color:#fff;font-size:.97rem}
.trust-row li{display:flex;align-items:center;gap:.45rem}
.trust-row svg{width:20px;height:20px;color:#8fd3b0;flex:none}
.hero-card{background:#fff;color:var(--ink);border-radius:20px;padding:1.6rem;box-shadow:0 20px 50px rgba(0,0,0,.3)}
.hero-card h2{font-size:1.35rem}
.steps-mini{list-style:none;padding:0;margin:0 0 1.2rem;counter-reset:s}
.steps-mini li{counter-increment:s;display:grid;grid-template-columns:2.2rem 1fr;gap:.75rem;padding:.6rem 0;border-bottom:1px solid var(--line)}
.steps-mini li:last-child{border-bottom:0}
.steps-mini li::before{content:counter(s);display:grid;place-items:center;width:2.2rem;height:2.2rem;border-radius:50%;background:var(--sky-50);color:var(--navy);font-family:var(--font-head);font-weight:800}
.steps-mini strong{display:block;color:var(--navy-900)}
.rating{display:flex;align-items:center;gap:.5rem;font-weight:700;color:var(--navy-900)}
.rating .stars{color:#f5a900;letter-spacing:2px;font-size:1.1rem}

/* Page hero (inner) */
.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-900) 100%);color:#dbe6f2;padding:2.2rem 0 2.6rem}
.page-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.75rem)}
.page-hero .lead{font-size:1.12rem;max-width:760px}
.page-hero .actions{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.2rem}
.breadcrumbs{font-size:.88rem;margin-bottom:1rem}
.breadcrumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:.35rem;padding:0;margin:0}
.breadcrumbs li+li::before{content:"›";margin-right:.35rem;color:var(--sky)}
.breadcrumbs a{color:var(--sky)}
.breadcrumbs [aria-current]{color:#fff}

/* Sections */
.section{padding:clamp(2.75rem,6vw,4.5rem) 0}
.section.alt{background:var(--soft)}
.section.navy{background:var(--navy);color:#dbe6f2}
.section.navy h2,.section.navy h3{color:#fff}
.section-head{max-width:760px;margin-bottom:2rem}
.section-head p{color:var(--muted);font-size:1.08rem}
.section.navy .section-head p{color:#c9d7e7}
.grid{display:grid;gap:1.25rem}
@media (min-width:700px){.grid-2{grid-template-columns:repeat(2,1fr)}.grid-3{grid-template-columns:repeat(2,1fr)}.grid-4{grid-template-columns:repeat(2,1fr)}}
@media (min-width:1000px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:0 1px 2px rgba(0,0,0,.03)}
.card h3{margin-bottom:.4rem}
.card p:last-child{margin-bottom:0}
a.card{display:block;text-decoration:none;color:inherit;transition:box-shadow .15s ease,transform .15s ease,border-color .15s ease}
a.card:hover{box-shadow:var(--shadow);transform:translateY(-2px);border-color:var(--sky)}
a.card .more{color:var(--purple-600);font-weight:700}
.icon{width:48px;height:48px;border-radius:12px;background:var(--sky-50);color:var(--navy);display:grid;place-items:center;margin-bottom:1rem}
.icon svg{width:26px;height:26px}
.steps{list-style:none;padding:0;margin:0;display:grid;gap:1.25rem;counter-reset:st}
@media (min-width:800px){.steps{grid-template-columns:repeat(3,1fr)}}
.steps li{counter-increment:st;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;position:relative}
.steps li::before{content:"Step " counter(st);display:inline-block;font-family:var(--font-head);font-weight:800;color:var(--purple);font-size:.85rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.4rem}
.check-list{list-style:none;padding:0;margin:0 0 1em}
.check-list li{position:relative;padding-left:1.9rem;margin:.45rem 0}
.check-list li::before{content:"";position:absolute;left:0;top:.3em;width:1.2rem;height:1.2rem;border-radius:50%;background:var(--ok) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/70% no-repeat}
.prose{max-width:780px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.3em}
.split{display:grid;gap:2rem;align-items:start}
@media (min-width:960px){.split{grid-template-columns:1.5fr 1fr}}
.aside-box{background:var(--sky-50);border:1px solid #d4e4f2;border-radius:var(--radius);padding:1.5rem;position:sticky;top:100px}
.aside-box h2{font-size:1.25rem}
.pill-list{display:flex;flex-wrap:wrap;gap:.5rem;list-style:none;padding:0;margin:0}
.pill-list li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.3rem .8rem;font-size:.93rem}
.pill-list a{text-decoration:none;font-weight:600}
.insurers{display:flex;flex-wrap:wrap;gap:.6rem;list-style:none;padding:0;margin:1rem 0}
.insurers li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:.55rem 1rem;font-weight:700;color:var(--navy)}
.callout{background:linear-gradient(135deg,var(--purple) 0%,var(--navy) 100%);color:#fff;border-radius:20px;padding:clamp(1.75rem,4vw,2.75rem);display:grid;gap:1.25rem;align-items:center}
.callout h2{color:#fff;margin-bottom:.3rem}
.callout p{color:#ece6f5;margin:0}
.callout .actions{display:flex;flex-wrap:wrap;gap:.75rem}
@media (min-width:900px){.callout{grid-template-columns:1.4fr auto}}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:.75rem}
.faq summary{cursor:pointer;padding:1rem 1.25rem;font-weight:700;color:var(--navy-900);list-style:none;position:relative;padding-right:2.8rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:1.2rem;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--purple)}
.faq details[open] summary::after{content:"–"}
.faq .answer{padding:0 1.25rem 1.1rem}
.faq .answer p:last-child{margin-bottom:0}
.city-cols{display:grid;gap:1.5rem}
@media (min-width:800px){.city-cols{grid-template-columns:1fr 1fr}}
.city-cols h3{display:flex;align-items:center;gap:.5rem}
.note{font-size:.9rem;color:var(--muted)}
.faith{font-family:var(--font-head);font-weight:700;color:var(--purple-600)}

/* Form */
.form-wrap{background:#fff;border:1px solid var(--line);border-radius:20px;box-shadow:var(--shadow);padding:clamp(1.25rem,3vw,2.25rem)}
.lead-form fieldset{border:0;padding:0;margin:0 0 1.4rem}
.lead-form legend{font-family:var(--font-head);font-weight:700;color:var(--navy-900);font-size:1.05rem;margin-bottom:.75rem;padding:0}
.fields{display:grid;gap:1rem}
@media (min-width:640px){.fields.two{grid-template-columns:1fr 1fr}.fields.three{grid-template-columns:1fr 1fr 1fr}}
.field label,.field .label{display:block;font-weight:700;font-size:.95rem;margin-bottom:.3rem;color:var(--navy-900)}
.field .opt{font-weight:500;color:var(--muted);font-size:.85rem}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:1rem;padding:.75rem .85rem;border:1.5px solid #c9d0da;border-radius:10px;background:#fff;color:var(--ink);min-height:48px}
.field textarea{min-height:110px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--purple);outline:3px solid rgba(131,74,181,.2);outline-offset:0}
.field input[type=file]{padding:.55rem;min-height:auto}
.choice-row{display:flex;flex-wrap:wrap;gap:.6rem}
.choice{position:relative}
.choice input{position:absolute;opacity:0;width:1px;height:1px}
.choice span{display:inline-block;padding:.6rem 1rem;border:1.5px solid #c9d0da;border-radius:999px;cursor:pointer;font-weight:600;background:#fff}
.choice input:checked+span{background:var(--navy);border-color:var(--navy);color:#fff}
.choice input:focus-visible+span{outline:3px solid var(--purple);outline-offset:2px}
.consent{display:grid;grid-template-columns:auto 1fr;gap:.75rem;align-items:start;background:var(--soft);border:1px solid var(--line);border-radius:12px;padding:1rem;font-size:.9rem;color:#3c4350}
.consent input{width:22px;height:22px;margin-top:.15rem;accent-color:var(--purple)}
.form-foot{display:flex;flex-wrap:wrap;gap:1rem;align-items:center;margin-top:1.25rem}
.hp{position:absolute;left:-10000px;width:1px;height:1px;overflow:hidden}
.req{color:#b42318}
.gb-slot:empty{display:none}

/* Footer */
.site-footer{background:var(--navy-900);color:#c4d1e1;padding:3rem 0 1.5rem;font-size:.95rem}
.site-footer h2{color:#fff;font-size:1rem;margin-bottom:.8rem;letter-spacing:.02em}
.site-footer a{color:#e6eef7;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.3rem 0}
.footer-grid{display:grid;gap:2rem}
@media (min-width:800px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}}
.footer-brand img{width:120px;height:90px;object-fit:contain;margin-bottom:.6rem}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.25rem;display:flex;flex-wrap:wrap;gap:.5rem 1.5rem;justify-content:space-between;font-size:.85rem}

/* Mobile sticky bar */
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:grid;grid-template-columns:1fr 1fr 1.3fr;gap:.5rem;padding:.6rem .6rem calc(.6rem + env(safe-area-inset-bottom));background:rgba(2,29,61,.97);box-shadow:0 -6px 20px rgba(0,0,0,.25)}
.mobile-bar a{display:flex;align-items:center;justify-content:center;gap:.4rem;min-height:48px;border-radius:12px;font-weight:700;text-decoration:none;color:#fff;background:rgba(255,255,255,.12);font-size:.98rem}
.mobile-bar a.quote{background:var(--purple)}
.mobile-bar svg{width:20px;height:20px}
@media (min-width:900px){.mobile-bar{display:none}}
.lang-switch{color:#fff!important;border:1px solid rgba(255,255,255,.35);border-radius:8px;padding:.15rem .5rem;text-decoration:none}
/* ---- refinements after screenshot review ---- */
.primary-nav a,.primary-nav .dd-btn,.header-cta .btn{white-space:nowrap}
.free-badge{-webkit-box-decoration-break:clone;box-decoration-break:clone}
.mobile-bar{background:#021d3d}
@media (max-width:640px){
  .topbar .container{flex-wrap:nowrap;gap:.9rem;font-size:.8rem}
  .topbar .hide-xs{display:none}
  h1{font-size:1.85rem}
  .hero .lead{font-size:1.06rem}
  .brand small{display:none}
}
@media (min-width:1080px) and (max-width:1279px){
  .brand span{display:none}
  .header-cta .btn-outline{display:none}
  .primary-nav>ul>li>a,.primary-nav .dd-btn{padding:.5rem .55rem}
}
.topbar span,.topbar a{white-space:nowrap}
.brand span,.brand small{white-space:nowrap}
@media (max-width:640px){.topbar .stars{display:none}}
@media (max-width:380px){.topbar{font-size:.75rem}}
/* Reviews */
.reviews-head{display:flex;flex-wrap:wrap;gap:1rem 2rem;align-items:center;justify-content:space-between;max-width:none}
.reviews-head h2{margin-bottom:.3rem}
.g-badge{display:inline-flex;align-items:center;gap:.75rem;background:#fff;border:1px solid var(--line);border-radius:14px;padding:.7rem 1rem;text-decoration:none;color:var(--navy-900);box-shadow:0 4px 14px rgba(2,29,61,.08)}
.g-badge .g{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:conic-gradient(#ea4335 0 25%,#fbbc05 0 50%,#34a853 0 75%,#4285f4 0);color:#fff;font-weight:800;font-family:var(--font-head);font-size:1.15rem}
.g-badge small{display:block;color:var(--purple-600);font-weight:700}
.g-badge:hover{border-color:var(--sky)}
.review{margin:0;display:flex;flex-direction:column;gap:.5rem}
.review .stars{color:#f5a900;letter-spacing:2px;font-size:1.05rem}
.review blockquote{margin:0;flex:1}
.review blockquote p{margin:0;color:var(--ink)}
.review figcaption{font-size:.92rem;color:var(--muted)}
.review figcaption strong{color:var(--navy-900)}
.hero-card .rating a{text-decoration:none;color:var(--navy-900)}
.topbar a span{color:inherit}
.gallery img{aspect-ratio:1/1;height:auto}
/* Tint law tables */
.table-wrap{overflow-x:auto;margin:1rem 0 1.5rem;border:1px solid var(--line);border-radius:12px}
table.law{width:100%;border-collapse:collapse;font-size:.96rem;min-width:560px}
table.law caption{text-align:left;font-weight:700;padding:.8rem 1rem;color:var(--navy-900);background:var(--sky-50)}
table.law th,table.law td{padding:.75rem 1rem;border-top:1px solid var(--line);text-align:left;vertical-align:top}
table.law thead th{background:var(--soft);font-size:.85rem;text-transform:uppercase;letter-spacing:.05em;color:var(--muted)}
table.law tbody th{color:var(--navy-900);width:28%}
.owner-photo{max-width:637px;width:100%;justify-self:center}