:root{
  --navy:#0d2d4e; --navy2:#123f6b; --ink:#16222e; --muted:#51616f;
  --orange:#f26522; --orange2:#ff8a3d; --bg:#ffffff; --soft:#f4f7fa; --line:#e2e9f0;
  --radius:14px;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
h1,h2,h3{line-height:1.15;letter-spacing:-.02em}
section{padding:56px 0}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:10px}
.h2{font-size:clamp(26px,4.5vw,38px);font-weight:800;margin-bottom:14px}
.lede{color:var(--muted);font-size:17px;max-width:640px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:12px;height:64px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:17px;text-decoration:none;color:var(--navy)}
.brand svg{flex:none}
.brand small{display:block;font-size:11px;font-weight:600;color:var(--muted);letter-spacing:.04em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;font-weight:700;text-decoration:none;border-radius:999px;cursor:pointer;border:none;transition:transform .08s ease,box-shadow .08s ease}
.btn:active{transform:scale(.98)}
.btn-call{background:linear-gradient(180deg,var(--orange2),var(--orange));color:#fff;box-shadow:0 6px 16px rgba(242,101,34,.35)}
.btn-call:hover{box-shadow:0 8px 20px rgba(242,101,34,.45)}
.header-call{padding:10px 18px;font-size:15px}
.header-call svg{width:16px;height:16px}

/* hero */
.hero{position:relative;color:#fff;overflow:hidden;padding:0}
.hero-bg{position:absolute;inset:0;background-position:center;background-size:cover;background-repeat:no-repeat}
.hero-bg::after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(9,32,56,.93) 8%,rgba(9,32,56,.78) 45%,rgba(9,32,56,.42) 100%)}
.hero-in{position:relative;padding-top:84px;padding-bottom:88px}
.hero h1{font-size:clamp(32px,6vw,52px);font-weight:850;max-width:640px;margin-bottom:16px}
.hero h1 .accent{color:var(--orange2)}
.hero .lede{color:#d7e3ee;font-size:18px;margin-bottom:26px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;align-items:center;margin-bottom:30px}
.btn-hero{padding:16px 28px;font-size:18px}
.btn-ghost{padding:15px 24px;font-size:16px;border:2px solid rgba(255,255,255,.55);color:#fff;border-radius:999px;text-decoration:none;font-weight:700}
.btn-ghost:hover{border-color:#fff}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;list-style:none}
.trust li{display:flex;align-items:center;gap:8px;font-size:14.5px;font-weight:600;color:#eaf1f7}
.trust svg{color:var(--orange2);flex:none}

/* emergency strip */
.strip{background:var(--navy);color:#fff;padding:0}
.strip-in{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:14px;padding-top:18px;padding-bottom:18px}
.strip strong{font-size:17px}
.strip span{color:#b9cbdc;font-size:14.5px}
.strip .btn{padding:11px 22px;font-size:15px}

/* services */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px 24px;transition:box-shadow .15s ease,transform .15s ease}
.card:hover{box-shadow:0 10px 28px rgba(13,45,78,.10);transform:translateY(-2px)}
.card .icon{width:48px;height:48px;border-radius:12px;background:var(--soft);display:flex;align-items:center;justify-content:center;margin-bottom:16px;color:var(--navy2)}
.card h3{font-size:18.5px;font-weight:750;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px}

/* how */
.how{background:var(--soft)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:34px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px 24px;position:relative}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:17px;margin-bottom:16px}
.step h3{font-size:17.5px;font-weight:750;margin-bottom:8px}
.step p{color:var(--muted);font-size:15px}

/* local */
.chips{display:flex;flex-wrap:wrap;gap:9px;margin-top:22px}
.chip{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:8px 15px;font-size:14px;font-weight:600;color:var(--navy2)}
.local-cols{display:grid;grid-template-columns:1.2fr .8fr;gap:40px;align-items:start}
.fact-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px}
.fact-box h3{font-size:19px;margin-bottom:14px}
.fact-box ul{list-style:none;display:grid;gap:12px}
.fact-box li{display:flex;gap:10px;font-size:15px;color:#d7e3ee}
.fact-box svg{color:var(--orange2);flex:none;margin-top:3px}

/* faq */
.faq-list{margin-top:30px;display:grid;gap:12px;max-width:780px}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px}
details summary{font-weight:700;font-size:16.5px;cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center;gap:14px}
details summary::after{content:"+";font-size:22px;font-weight:400;color:var(--orange);flex:none;transition:transform .15s ease}
details[open] summary::after{transform:rotate(45deg)}
details p{margin-top:12px;color:var(--muted);font-size:15.5px}

/* final cta */
.final{background:linear-gradient(120deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;text-align:center}
.final h2{font-size:clamp(26px,4.5vw,38px);font-weight:800;margin-bottom:12px}
.final p{color:#c6d6e4;max-width:560px;margin:0 auto 28px}
.final .btn-hero{font-size:19px;padding:18px 34px}
.final .num{display:block;font-size:12.5px;color:#9fb4c6;margin-top:14px;letter-spacing:.05em}

/* footer */
footer{background:#0a2238;color:#8fa5b8;font-size:13.5px;padding:38px 0 110px}
footer .wrap{display:grid;gap:10px}
footer strong{color:#c6d6e4}
footer a{color:#c6d6e4}

/* sticky mobile call bar */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:linear-gradient(180deg,var(--orange2),var(--orange));box-shadow:0 -4px 18px rgba(0,0,0,.25)}
.callbar a{display:flex;align-items:center;justify-content:center;gap:10px;color:#fff;font-weight:800;font-size:17.5px;text-decoration:none;padding:16px}
.callbar .pulse{width:10px;height:10px;border-radius:50%;background:#fff;animation:pulse 1.6s infinite}
@keyframes pulse{0%{box-shadow:0 0 0 0 rgba(255,255,255,.55)}70%{box-shadow:0 0 0 10px rgba(255,255,255,0)}100%{box-shadow:0 0 0 0 rgba(255,255,255,0)}}

@media(max-width:860px){
  .grid,.steps{grid-template-columns:1fr 1fr}
  .local-cols{grid-template-columns:1fr}
}
@media(max-width:640px){
  section{padding:44px 0}
  .grid,.steps{grid-template-columns:1fr}
  .hero-in{padding-top:56px;padding-bottom:64px}
  .header-call .numtxt{display:none}
  .header-call{padding:10px 14px}
  .callbar{display:block}
  body{padding-bottom:0}
  footer{padding-bottom:120px}
}


/* multi-page additions */
.nav{display:flex;gap:22px;align-items:center}
.nav a{text-decoration:none;font-weight:650;font-size:15px;color:var(--navy)}
.nav a:hover,.nav a[aria-current]{color:var(--orange)}
.hero.sub .hero-in{padding-top:56px;padding-bottom:60px}
.hero.sub h1{font-size:clamp(28px,5vw,44px);max-width:760px}
.crumbs{font-size:13.5px;color:#b9cbdc;margin-bottom:14px}
.crumbs a{color:#dbe7f1;text-decoration:none}
.crumbs a:hover{text-decoration:underline}
.prose{max-width:760px}
.prose h2{font-size:clamp(22px,3.6vw,30px);font-weight:800;margin:36px 0 12px}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:19px;font-weight:750;margin:24px 0 8px}
.prose p{color:#34424f;font-size:16.5px;margin-bottom:14px}
.prose ul,.prose ol{margin:0 0 16px 22px;color:#34424f;font-size:16.5px}
.prose li{margin-bottom:8px}
.prose a{color:var(--navy2);font-weight:600}
.two{display:grid;grid-template-columns:minmax(0,1fr) 320px;gap:44px;align-items:start}
.side{position:sticky;top:84px;display:grid;gap:16px}
.side .box{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.side .box h3{font-size:16.5px;margin-bottom:10px}
.side .box ul{list-style:none;display:grid;gap:8px}
.side .box a{color:var(--navy2);text-decoration:none;font-weight:600;font-size:15px}
.side .box a:hover{text-decoration:underline}
.side .callbox{background:var(--navy);color:#fff;border:none}
.side .callbox p{color:#c6d6e4;font-size:14.5px;margin-bottom:14px}
.side .callbox .btn{width:100%;padding:14px 18px;font-size:16.5px}
.callout{background:#fff6f0;border:1px solid #ffd9c2;border-left:4px solid var(--orange);border-radius:10px;padding:18px 20px;margin:20px 0}
.callout p{margin:0;color:#4a3526}
.signs{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin:14px 0 20px;list-style:none;padding:0}
.prose ul.signs{margin-left:0}
.signs li{background:var(--soft);border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-size:15px;margin:0}
.photo{border-radius:var(--radius);overflow:hidden;margin:22px 0}
.photo img{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
.card a.more,.card.link{text-decoration:none}
a.card{display:block;text-decoration:none;color:inherit}
a.card h3{color:var(--navy)}
a.card .go{display:inline-block;margin-top:10px;font-weight:700;font-size:14.5px;color:var(--orange)}
.soft{background:var(--soft)}
.ziptable{width:100%;border-collapse:collapse;margin:14px 0 22px;font-size:15px}
.ziptable th,.ziptable td{text-align:left;padding:11px 12px;border-bottom:1px solid var(--line);vertical-align:top}
.ziptable th{background:var(--soft);font-weight:700}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:28px;margin-bottom:22px}
.foot-grid h4{color:#e3ecf4;font-size:14px;margin-bottom:10px;letter-spacing:.04em;text-transform:uppercase}
.foot-grid ul{list-style:none;display:grid;gap:6px}
.foot-grid a{text-decoration:none}
.foot-grid a:hover{text-decoration:underline}
.disclosure{border-top:1px solid #1d3a55;padding-top:18px;line-height:1.55}
@media(max-width:960px){.nav{display:none}.two{grid-template-columns:1fr}.side{position:static}}
@media(max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.signs{grid-template-columns:1fr}.foot-grid{grid-template-columns:1fr}.hero.sub .hero-in{padding-top:40px;padding-bottom:48px}.ziptable{font-size:14px}}

/* Editorial guides */
.editorial{max-width:850px}.editorial .grid{grid-template-columns:repeat(2,minmax(0,1fr));margin:20px 0 28px}.editorial .card h3{margin:0 0 8px;font-size:19px}.editorial .lede{color:#34424f}.editorial .source-note,.related-guides{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin:28px 0}.editorial .source-note h2,.related-guides h2{margin-top:0;font-size:22px}.more-guides{margin-top:20px}.related-guides p{margin:0;line-height:1.8}.related-guides a,.more-guides a{color:var(--navy2);font-weight:650}@media(max-width:640px){.editorial .grid{grid-template-columns:1fr}}