:root{--ink:#173642;--blue:#137d91;--coral:#ef6a4c;--cream:#fff4e8;--sand:#e8d4b7;--white:#fff;--line:#d8d0c3;--max:1200px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:#fffaf3;color:var(--ink);font-family:"Trebuchet MS",Arial,sans-serif;line-height:1.62}a{color:#0d6b7d}img{display:block;max-width:100%}.wrap{width:min(var(--max),calc(100% - 42px));margin:auto}.skip-link{position:absolute;left:-999px}.skip-link:focus{left:16px;top:16px;background:#fff;padding:10px;z-index:20}.site-header{background:var(--cream);border-bottom:4px solid var(--coral);position:relative;z-index:5}.header-row{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:20px}.brand img{width:280px;height:auto}.nav{display:flex;align-items:center;gap:19px}.nav a{color:var(--ink);font-size:13px;font-weight:800;text-decoration:none}.nav-cta,.button{background:var(--coral);color:#fff!important;padding:13px 18px;border:0;text-decoration:none;font-weight:900;display:inline-block}.button.secondary{background:transparent;border:2px solid #fff}.menu-button{display:none}.hero{background:var(--blue);color:#fff}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;min-height:610px}.hero-image{order:-1}.hero-image img{height:100%;width:100%;object-fit:cover}.hero-copy{padding:74px max(28px,calc((100vw - var(--max))/2)) 68px 60px}.eyebrow{color:#ffd5a8;text-transform:uppercase;font-size:11px;font-weight:900;letter-spacing:2.2px}h1,h2,h3{line-height:1.08;margin:.3em 0 .55em}h1,h2{font-family:Georgia,serif}h1{font-size:clamp(44px,5.7vw,72px)}.hero-copy h1{font-size:clamp(40px,4.4vw,58px)}h2{font-size:clamp(30px,4vw,47px)}h3{font-size:19px}.hero-copy>p{font-size:18px;max-width:590px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.decision-bar{background:var(--cream)}.decision-grid{display:grid;grid-template-columns:repeat(3,1fr)}.decision-grid div{padding:23px;border-right:1px solid var(--sand)}.decision-grid span{display:block;font-size:13px}.section{padding:74px 0}.section.alt{background:var(--cream)}.section-lead{font-size:18px;max-width:770px}.grid-3,.steps,.footer-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card,.step,.sidebar-box{background:#fff;border:1px solid var(--line);padding:25px}.card:nth-child(2){transform:translateY(14px)}.card{box-shadow:8px 8px 0 #f2dfc7}.card a,.text-link{font-weight:900}.step strong{color:var(--coral)}.area-list{columns:3;column-gap:36px}.area-list a{display:block;padding:7px 0;border-bottom:1px solid var(--line)}.quote-section{background:var(--ink);color:#fff;padding:78px 0}.quote-layout{display:grid;grid-template-columns:.85fr 1.15fr;gap:58px}.form-card{background:var(--cream);color:var(--ink);padding:32px;border-top:8px solid var(--coral)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field.full{grid-column:1/-1}label{display:block;font-size:12px;font-weight:900;margin-bottom:5px}input,select,textarea{width:100%;padding:12px;border:1px solid #9aaeb2;border-radius:0;background:#fff;font:inherit}textarea{min-height:118px}.consent{font-size:12px}.consent input{width:auto}.form-status{min-height:24px}.page-hero{background:linear-gradient(110deg,var(--blue),#09576c);color:#fff;padding:62px 0;border-bottom:8px solid var(--coral)}.page-hero h1{font-size:clamp(38px,5vw,62px)}.breadcrumbs{font-size:12px}.breadcrumbs a{color:#fff}.content{padding:62px 0}.content-grid{display:grid;grid-template-columns:minmax(0,770px) 300px;gap:52px}.prose h2{margin-top:1.4em}.prose p,.prose li{font-size:17px}.facts{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--line);margin-bottom:25px}.fact{padding:18px;border-right:1px solid var(--line)}.fact span{display:block;font-size:11px;text-transform:uppercase}.callout,.urgent,.source-box{background:var(--cream);padding:20px;margin:22px 0;border-left:6px solid var(--blue)}.urgent{border-color:var(--coral)}.check-panel{background:var(--blue);color:#fff;padding:28px}.sidebar-box{margin-bottom:20px}.site-footer{background:#102b35;color:#dce9e9;padding:54px 0 25px}.site-footer a{color:#fff}.site-footer img{width:250px;filter:brightness(0) invert(1)}.footer-links a{display:block}.fineprint{border-top:1px solid rgba(255,255,255,.18);margin-top:28px;padding-top:20px;font-size:11px}@media(max-width:800px){.wrap{width:min(100% - 28px,var(--max))}.header-row{min-height:68px}.brand img{width:215px}.menu-button{display:block}.nav{display:none;position:absolute;top:68px;left:0;right:0;background:var(--cream);padding:20px;flex-direction:column}.nav.open{display:flex}.hero-grid{grid-template-columns:1fr}.hero-image{height:350px;order:0}.hero-copy{padding:50px 22px}.decision-grid,.grid-3,.steps,.footer-grid,.quote-layout,.content-grid,.facts{grid-template-columns:1fr}.decision-grid div{border-right:0;border-bottom:1px solid var(--sand)}.card:nth-child(2){transform:none}.area-list{columns:1}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.sidebar{order:-1}}@media(max-width:360px){.quote-layout>*{min-width:0}.form-card{padding:18px 12px;overflow:hidden}.cf-turnstile{width:112.36%;transform:scale(.89);transform-origin:top left;margin-bottom:-7px}}