:root{--navy:#0B1F3A;--navy-2:#10284F;--navy-3:#1A3A6B;--gold:#C7963E;--gold-2:#A87B27;--teal:#2E6F73;--teal-2:#3F8589;--teal-soft:rgba(46,111,115,.08);--paper:#FAF8F3;--paper-2:#F2EFE7;--paper-3:#E8E4D8;--line:rgba(11,31,58,.10);--line-2:rgba(11,31,58,.18);--ink:#0B1F3A;--ink-2:#1A3A6B;--muted:#5C6B82;--ok:#0e7a4d;--shadow:0 24px 60px -20px rgba(11,31,58,.18),0 4px 14px -4px rgba(11,31,58,.12);--radius:10px;--radius-lg:18px;--maxw:1200px}
*{box-sizing:border-box}
html,body{margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--paper);-webkit-font-smoothing:antialiased;line-height:1.55;letter-spacing:0}
a{color:inherit;text-decoration:none}
button{font:inherit;cursor:pointer}
img,svg{display:block;max-width:100%}
h1,h2,h3,h4{font-family:'Fraunces','Iowan Old Style',Georgia,serif;font-weight:700;letter-spacing:-.01em;line-height:1.1;margin:0}
h1{font-size:clamp(2.4rem,4.6vw,4.2rem)}
h2{font-size:clamp(1.7rem,2.6vw,2.4rem);margin-bottom:.6rem}
h3{font-size:1.15rem;font-family:'Inter',sans-serif;font-weight:700;letter-spacing:0}
p{margin:0 0 1rem}
.container{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--navy-2);margin-bottom:.75rem}
.muted{color:var(--muted)}
.btn{display:inline-flex;align-items:center;gap:.55rem;padding:.85rem 1.15rem;border-radius:var(--radius);font-weight:600;font-size:.95rem;border:1px solid transparent;transition:transform .12s ease,background .12s ease,border-color .12s ease,box-shadow .12s ease;white-space:nowrap}
.btn-primary{background:var(--navy);color:#fff;border:1px solid var(--navy)}
.btn-primary:hover{background:var(--navy-2);border-color:var(--navy-2);transform:translateY(-1px);box-shadow:var(--shadow)}
.btn-gold{background:transparent;color:var(--gold-2);border:1px solid var(--gold);font-weight:600}
.btn-gold:hover{background:var(--gold);color:var(--navy);transform:translateY(-1px)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line-2)}
.btn-ghost:hover{background:var(--paper-2)}
.btn .dot{width:8px;height:8px;border-radius:50%;background:currentColor;opacity:.55}
.btn[disabled]{opacity:.6;cursor:not-allowed;transform:none;box-shadow:none}
.nav{position:sticky;top:0;z-index:50;background:rgba(251,250,246,.85);backdrop-filter:saturate(140%) blur(10px);-webkit-backdrop-filter:saturate(140%) blur(10px);border-bottom:1px solid var(--line)}
.nav-inner{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{display:flex;align-items:center;gap:.6rem;font-weight:800;color:var(--navy);letter-spacing:-.01em}
.brand-mark{width:28px;height:28px;border-radius:7px;background:var(--navy);display:grid;place-items:center;color:var(--gold);border:1px solid var(--gold-2);font-family:'Fraunces',serif;font-weight:700}
.brand small{font-weight:700;color:var(--ink);font-size:.95rem;margin-left:.35rem;letter-spacing:0}`n.brand--inverse{color:#fff}`n.brand--inverse small{color:#fff;opacity:.85}`n.brand--inverse .brand-mark{background:var(--gold);color:var(--navy);border-color:var(--gold-2)}
.nav-links{display:flex;gap:1.4rem;font-size:.92rem;color:var(--navy)}
.nav-links a{color:var(--navy-2)}
.nav-links a:hover{color:var(--navy-2);text-decoration:underline}
.nav-cta{display:flex;gap:.5rem;align-items:center}
.phone-link{font-weight:600;color:var(--navy);font-size:.92rem}
@media(max-width:780px){.nav-links,.phone-link{display:none}}
.hero{position:relative;overflow:hidden;background:radial-gradient(60% 70% at 80% 0%,rgba(199,150,62,.10),transparent 60%),radial-gradient(50% 60% at 0% 30%,rgba(11,31,58,.04),transparent 60%),var(--paper)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:center;padding:72px 0 56px}
@media(max-width:980px){.hero-grid{grid-template-columns:1fr;gap:32px;padding:48px 0 32px}}
.hero h1{margin-bottom:1rem}
.hero h1 .ai{color:var(--teal)}
.hero p.lede{font-size:1.15rem;color:var(--muted);max-width:56ch;margin-bottom:1.6rem}
.hero-actions{display:flex;gap:.6rem;flex-wrap:wrap;margin-bottom:1.6rem}
.hero-meta{display:flex;gap:1.2rem;flex-wrap:wrap;color:var(--muted);font-size:.88rem;align-items:center}
.hero-meta .check{color:var(--ok);font-weight:700;margin-right:.3rem}
.regen{display:inline-flex;align-items:center;gap:.5rem;margin-left:.4rem;font-size:.85rem;color:var(--navy-2);background:transparent;border:1px dashed var(--line-2);padding:.4rem .7rem;border-radius:999px}
.regen:hover{background:var(--paper-2);border-color:var(--navy-3)}
.regen .spinner{width:12px;height:12px;border:2px solid var(--line-2);border-top-color:var(--navy);border-radius:50%;animation:spin .9s linear infinite;display:none}
.regen.loading .spinner{display:inline-block}
@keyframes spin{to{transform:rotate(360deg)}}
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);box-shadow:var(--shadow);padding:22px}
.quote h3{font-family:'Fraunces',serif;font-size:1.35rem;margin-bottom:.25rem}
.quote .sub{color:var(--muted);font-size:.9rem;margin-bottom:1rem}
.seg{display:flex;background:var(--paper-2);border-radius:999px;padding:4px;margin-bottom:1rem;border:1px solid var(--line)}
.seg button{flex:1;border:0;background:transparent;padding:.55rem .9rem;border-radius:999px;font-weight:600;color:var(--muted);font-size:.9rem}
.seg button.on{background:var(--navy);color:#fff;box-shadow:0 2px 8px rgba(11,31,58,.18);border:1px solid var(--navy)}
.field{display:flex;flex-direction:column;gap:.35rem;margin-bottom:.8rem}
.field label{font-size:.78rem;font-weight:600;color:var(--navy-2);letter-spacing:.02em}
.field input,.field select{font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:8px;padding:.7rem .8rem;outline:none;transition:border-color .12s ease,box-shadow .12s ease;width:100%}
.field input:focus,.field select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,29,58,.12)}
.row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}
@media(max-width:480px){.row{grid-template-columns:1fr}}
.quote .submit{width:100%;justify-content:center;margin-top:.4rem}
.quote .fine{font-size:.75rem;color:var(--muted);margin-top:.6rem;text-align:center}
.quote .success{display:none;background:#f0f7f3;border:1px solid #cfe6db;color:#0e7a4d;border-radius:8px;padding:.7rem .9rem;font-size:.9rem;margin-top:.8rem}
.quote .success.show{display:block}
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--paper-2)}
.trust-inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:1.2rem;padding:18px 0;font-size:.85rem;color:var(--muted)}
.trust-inner strong{color:var(--navy)}
.stars{color:var(--gold-2);letter-spacing:1px}
section{padding:72px 0}
@media(max-width:780px){section{padding:48px 0}}
.section-head{max-width:680px;margin:0 auto 2.2rem;text-align:center}
.section-head p{color:var(--muted)}
.programs{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.programs{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.programs{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:22px;display:flex;flex-direction:column;gap:.5rem;transition:transform .12s ease,box-shadow .12s ease,border-color .12s ease}
.card:hover{transform:translateY(-2px);box-shadow:var(--shadow);border-color:var(--line-2)}
.card .ic{width:38px;height:38px;border-radius:9px;background:var(--paper-2);display:grid;place-items:center;color:var(--navy);font-weight:700;border:1px solid var(--line)}
.card h3{font-family:'Fraunces',serif;font-size:1.2rem}
.card p{color:var(--muted);font-size:.92rem;margin:0}
.card a.learn{font-weight:600;color:var(--navy);font-size:.88rem;margin-top:auto;display:inline-flex;align-items:center;gap:.3rem}
.card a.learn:hover{color:var(--navy-2);text-decoration:underline}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;counter-reset:step}
@media(max-width:820px){.steps{grid-template-columns:1fr}}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:24px;counter-increment:step}
.step::before{content:counter(step);position:absolute;top:-18px;left:24px;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-family:'Fraunces',serif;font-weight:700;display:grid;place-items:center;font-size:1.05rem;box-shadow:0 6px 14px rgba(11,31,58,.25)}
.step h3{margin-top:.4rem;margin-bottom:.35rem;font-family:'Fraunces',serif;font-size:1.15rem}
.step p{color:var(--muted);font-size:.92rem;margin:0}
.ai-section{background:linear-gradient(180deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;border-radius:24px;padding:48px;display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center;border:1px solid var(--gold-2)}
.ai-section h2{color:#fff}
.ai-section p{color:rgba(255,255,255,.78);max-width:52ch}
.ai-section .features{list-style:none;padding:0;margin:1.2rem 0 1.6rem;display:grid;gap:.5rem}
.ai-section .features li{display:flex;gap:.6rem;align-items:flex-start;font-size:.95rem;color:rgba(255,255,255,.86)}
.ai-section .features li::before{content:"";width:6px;height:6px;background:var(--teal);border-radius:50%;margin-top:.6rem;flex:0 0 auto}
.ai-mock{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:18px;backdrop-filter:blur(8px);-webkit-backdrop-filter:blur(8px)}
.ai-mock .msg{background:rgba(255,255,255,.08);border-radius:12px;padding:10px 12px;margin-bottom:8px;font-size:.92rem;line-height:1.45;max-width:90%}
.ai-mock .me{background:var(--gold);color:var(--navy);margin-left:auto;border-bottom-right-radius:3px}
.ai-mock .bot{background:rgba(255,255,255,.1);border-bottom-left-radius:3px}
.ai-mock .typing{display:inline-flex;gap:4px;padding:10px 12px;background:rgba(255,255,255,.1);border-radius:12px;width:fit-content}
.ai-mock .typing span{width:6px;height:6px;background:#fff;border-radius:50%;opacity:.5;animation:bounce 1.2s infinite}
.ai-mock .typing span:nth-child(2){animation-delay:.2s}
.ai-mock .typing span:nth-child(3){animation-delay:.4s}
@keyframes bounce{0%,80%,100%{transform:translateY(0);opacity:.5}40%{transform:translateY(-5px);opacity:1}}
@media(max-width:900px){.ai-section{grid-template-columns:1fr;padding:32px;border-radius:18px}}
.testi{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
@media(max-width:900px){.testi{grid-template-columns:1fr}}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius-lg);padding:22px}
.quote-card p{font-size:.96rem;color:var(--navy-2);margin:0 0 .7rem}
.quote-card .who{font-size:.85rem;color:var(--muted)}
.quote-card .who strong{color:var(--navy);display:block}
.faq{max-width:760px;margin:0 auto}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:0;margin-bottom:10px;overflow:hidden}
details[open]{border-color:var(--line-2)}
summary{cursor:pointer;padding:18px 22px;font-weight:600;color:var(--navy);list-style:none;display:flex;justify-content:space-between;align-items:center;gap:1rem}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";color:var(--gold-2);font-size:1.4rem;font-weight:400;transition:transform .15s ease}
details[open] summary::after{content:"\2212"}
.faq-body{padding:0 22px 18px;color:var(--muted);font-size:.95rem}
.faq-actions{text-align:center;margin-top:1.4rem}
.faq-actions button{background:transparent;border:1px dashed var(--line-2);color:var(--navy-2);padding:.55rem .9rem;border-radius:999px;font-size:.85rem}
.faq-actions button:hover{background:var(--paper-2);border-color:var(--navy-3)}
.final{background:linear-gradient(180deg,var(--paper) 0%,var(--paper-2) 100%);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.final .box{background:var(--navy);color:#fff;border-radius:24px;padding:48px;text-align:center;background-image:radial-gradient(60% 80% at 50% 0%,rgba(46,111,115,.10),transparent 60%);border:1px solid var(--gold-2)}
.final h2{color:#fff}
.final p{color:rgba(255,255,255,.78);max-width:56ch;margin:0 auto 1.4rem}
footer{background:var(--ink);color:rgba(255,255,255,.7);padding:48px 0 24px;font-size:.88rem}
footer a{color:#fff}
footer a:hover{color:var(--gold)}
.foot-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:32px;margin-bottom:24px}
@media(max-width:780px){.foot-grid{grid-template-columns:1fr 1fr}}
.foot-grid h4{font-family:'Inter',sans-serif;color:#fff;font-size:.85rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:.8rem}
.foot-grid ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.legal{font-size:.78rem;color:rgba(255,255,255,.55);border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-top:18px;line-height:1.6}
.legal strong{color:rgba(255,255,255,.85)}
.badge-row{display:flex;gap:8px;flex-wrap:wrap;margin-top:10px}
.badge{display:inline-flex;align-items:center;gap:6px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:.3rem .6rem;border-radius:6px;font-size:.75rem;color:#fff}
.sticky-cta{position:fixed;left:0;right:0;bottom:0;z-index:40;background:var(--navy);color:#fff;padding:10px 16px;display:none;align-items:center;justify-content:space-between;gap:.5rem;box-shadow:0 -8px 24px rgba(0,0,0,.18)}
.sticky-cta .btn{padding:.65rem .9rem;font-size:.88rem}
@media(max-width:780px){.sticky-cta{display:flex}}




































.toast{position:fixed;left:50%;bottom:24px;transform:translateX(-50%) translateY(20px);background:var(--navy);color:#fff;padding:.7rem 1rem;border-radius:8px;font-size:.9rem;opacity:0;transition:opacity .2s ease,transform .2s ease;z-index:80;box-shadow:var(--shadow);pointer-events:none}
.toast.show{opacity:1;transform:translateX(-50%) translateY(0)}
.call-fab{position:fixed;right:20px;bottom:20px;z-index:60;display:flex;align-items:center;gap:.6rem;text-decoration:none;background:var(--gold);color:var(--navy);padding:.85rem 1.1rem .85rem .9rem;border-radius:999px;box-shadow:0 12px 30px rgba(11,29,58,.4);font-weight:700;font-size:.95rem;transition:transform .15s ease,box-shadow .15s ease}.call-fab:hover{transform:translateY(-2px);box-shadow:0 16px 38px rgba(11,29,58,.5)}.call-fab .ic{width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--gold);display:grid;place-items:center;flex:0 0 auto}.call-fab .pulse{position:absolute;inset:-4px;border-radius:999px;border:2px solid var(--gold);animation:cf-pulse 2.4s ease-out infinite;pointer-events:none}@keyframes cf-pulse{0%{transform:scale(.95);opacity:.9}100%{transform:scale(1.35);opacity:0}}@media(max-width:780px){.call-fab{bottom:84px}.call-fab .lbl{display:none}}.call-tile{display:flex;align-items:center;gap:14px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:16px;padding:14px;text-decoration:none;cursor:pointer;transition:background .15s ease,border-color .15s ease,transform .15s ease}.call-tile:hover,.call-tile:focus-visible{background:rgba(255,255,255,.1);border-color:var(--gold);transform:translateY(-1px)}.call-tile:focus-visible{outline:3px solid var(--gold);outline-offset:3px}.call-avatar{width:54px;height:54px;border-radius:50%;background:linear-gradient(135deg,var(--gold),var(--gold-2));color:var(--navy);font-family:Fraunces,serif;font-weight:700;font-size:1.4rem;display:grid;place-items:center;flex:0 0 auto}.call-meta{line-height:1.25;color:#fff;min-width:0;flex:1 1 auto}.call-meta strong{font-family:Fraunces,serif;font-size:1.15rem;display:block}.call-meta span{font-size:.8rem;color:rgba(255,255,255,.7);display:inline-flex;align-items:center;gap:.3rem}.call-meta span::before{content:"";width:7px;height:7px;border-radius:50%;background:#4ade80;display:inline-block}.call-btn{display:inline-flex;align-items:center;gap:.4rem;background:var(--gold);color:var(--navy);padding:.7rem 1rem;border-radius:10px;font-weight:700;font-size:.95rem;text-decoration:none;flex:0 0 auto;transition:background .12s ease,color .12s ease}.call-btn:hover{background:var(--gold-2);color:#fff}.call-fine{font-size:.8rem;color:rgba(255,255,255,.7);margin:14px 0 0;line-height:1.5}
.call-row{display:flex;flex-wrap:wrap;gap:.5rem;align-items:center}.chat-fab{position:fixed;right:20px;bottom:90px;z-index:60;width:60px;height:60px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;border:0;box-shadow:0 12px 30px rgba(46,111,115,.4);transition:transform .15s ease}.chat-fab:hover{transform:scale(1.05)}.chat-fab .pulse{position:absolute;inset:-4px;border-radius:50%;border:2px solid var(--teal);animation:cf-pulse 2.4s ease-out infinite;pointer-events:none}.chat-fab .lbl{position:absolute;right:70px;top:50%;transform:translateY(-50%);background:var(--teal);color:#fff;padding:.5rem .8rem;border-radius:8px;font-size:.85rem;white-space:nowrap;box-shadow:var(--shadow);opacity:0;pointer-events:none;transition:opacity .15s ease}.chat-fab:hover .lbl{opacity:1}.chat-fab .lbl::after{content:"";position:absolute;right:-6px;top:50%;transform:translateY(-50%) rotate(45deg);width:10px;height:10px;background:var(--navy)}@media(max-width:780px){.chat-fab{bottom:154px}}.chat{position:fixed;right:20px;bottom:160px;z-index:60;width:min(380px,calc(100vw - 24px));height:min(540px,calc(100vh - 200px));background:#fff;border:1px solid var(--line);border-radius:18px;overflow:hidden;display:none;flex-direction:column;box-shadow:0 24px 60px rgba(11,29,58,.3)}.chat.open{display:flex}.chat[hidden]{display:none}.chat-head{background:var(--teal);color:#fff;padding:14px 16px;display:flex;align-items:center;gap:.7rem}.chat-head .av{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.18);display:grid;place-items:center;color:#fff;font-weight:800;font-family:Fraunces,serif;border:1px solid rgba(255,255,255,.4)}.chat-head .meta{line-height:1.2}.chat-head .meta strong{display:block;font-size:.95rem}.chat-head .meta span{font-size:.75rem;color:rgba(255,255,255,.7);display:inline-flex;align-items:center;gap:.3rem}.chat-head .meta span::before{content:"";width:7px;height:7px;border-radius:50%;background:#4ade80;display:inline-block}.chat-head .close{margin-left:auto;background:transparent;border:0;color:#fff;font-size:1.4rem;line-height:1;padding:.3rem .5rem;border-radius:6px}.chat-head .close:hover{background:rgba(255,255,255,.1)}.chat-body{flex:1;overflow-y:auto;padding:14px;background:var(--paper);display:flex;flex-direction:column;gap:8px}.bubble{max-width:88%;padding:10px 13px;border-radius:14px;font-size:.92rem;line-height:1.45;white-space:pre-wrap;word-wrap:break-word}.bubble.bot{background:#fff;border:1px solid var(--teal-soft);color:var(--ink);align-self:flex-start;border-bottom-left-radius:4px;border-left:3px solid var(--teal)}.bubble.me{background:var(--navy);color:#fff;align-self:flex-end;border-bottom-right-radius:4px}.bubble.typing{align-self:flex-start;background:#fff;border:1px solid var(--line);display:inline-flex;gap:4px;padding:14px}.bubble.typing span{width:6px;height:6px;background:var(--muted);border-radius:50%;opacity:.5;animation:cb-bounce 1.2s infinite}.bubble.typing span:nth-child(2){animation-delay:.2s}.bubble.typing span:nth-child(3){animation-delay:.4s}@keyframes cb-bounce{0%,80%,100%{transform:translateY(0);opacity:.5}40%{transform:translateY(-5px);opacity:1}}.quick{display:flex;flex-wrap:wrap;gap:6px;padding:0 14px 6px;background:var(--paper)}.quick button{font-size:.82rem;background:#fff;border:1px solid var(--teal-soft);color:var(--teal);padding:.45rem .75rem;border-radius:999px}.quick button:hover{background:var(--teal-soft);border-color:var(--teal);color:var(--navy)}.chat-form{display:flex;gap:6px;padding:10px;border-top:1px solid var(--line);background:#fff}.chat-form input{flex:1;font:inherit;font-size:.95rem;padding:.7rem .85rem;border:1px solid var(--line-2);border-radius:10px;outline:none;min-width:0}.chat-form input:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,29,58,.1)}.chat-form button{background:var(--teal);color:#fff;border:0;border-radius:10px;padding:0 .95rem;font-weight:600}.chat-form button:hover{background:var(--teal-2)}.chat-form button[disabled]{opacity:.5;cursor:not-allowed}.chat-fine{font-size:.7rem;color:var(--muted);text-align:center;padding:0 10px 8px;background:#fff}
.rate-strip{background:var(--navy);color:#fff;padding:10px 0;border-bottom:1px solid var(--line);overflow:hidden}.rate-strip-inner{display:flex;align-items:center;gap:18px;flex-wrap:nowrap;white-space:nowrap;overflow-x:auto;-webkit-overflow-scrolling:touch}.rate-strip-label{font-size:.82rem;font-weight:600;color:rgba(255,255,255,.9);flex:0 0 auto;letter-spacing:.02em}.rate-strip-label .as-of{font-weight:400;color:rgba(255,255,255,.55);font-size:.75rem;margin-left:6px}.rate-strip-tiles{display:flex;gap:8px;flex:0 0 auto}.rate-tile{display:inline-flex;align-items:baseline;gap:8px;background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:8px;padding:6px 12px;text-decoration:none;color:#fff;transition:background .12s ease,border-color .12s ease,transform .12s ease}.rate-tile:hover{background:rgba(255,255,255,.12);border-color:var(--gold);transform:translateY(-1px)}.rate-program{font-size:.78rem;color:rgba(255,255,255,.7);font-weight:500}.rate-value{font-family:Fraunces,serif;font-weight:700;font-size:1.05rem;color:var(--gold)}.rate-value small{font-size:.65rem;color:rgba(255,255,255,.6);font-weight:400;margin-left:2px}@media(max-width:780px){.rate-strip-label{font-size:.78rem}.rate-tile{padding:5px 9px}.rate-program{font-size:.72rem}.rate-value{font-size:.95rem}}.cb-modal{position:fixed;inset:0;z-index:90;display:none;align-items:center;justify-content:center;padding:20px}.cb-modal[hidden]{display:none}.cb-modal.open{display:flex}.cb-backdrop{position:absolute;inset:0;background:rgba(11,29,58,.6);backdrop-filter:blur(4px);-webkit-backdrop-filter:blur(4px)}.cb-dialog{position:relative;background:#fff;border-radius:18px;padding:28px;max-width:520px;width:100%;box-shadow:0 30px 80px rgba(11,29,58,.4);max-height:90vh;overflow-y:auto}.cb-close{position:absolute;top:12px;right:12px;background:transparent;border:0;font-size:1.5rem;line-height:1;color:var(--muted);padding:.3rem .5rem;border-radius:6px}.cb-close:hover{background:var(--paper-2);color:var(--ink)}.cb-dialog h3{font-family:Fraunces,serif;font-size:1.6rem;margin-bottom:.25rem}.cb-sub{color:var(--muted);font-size:.92rem;margin-bottom:1.2rem}.cb-dialog .row{display:grid;grid-template-columns:1fr 1fr;gap:.8rem}.cb-dialog .field{margin-bottom:.8rem}.cb-dialog .field label{font-size:.78rem;font-weight:600;color:var(--navy-2);letter-spacing:.02em;display:block;margin-bottom:.35rem}.cb-dialog .field input,.cb-dialog .field select{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1px solid var(--line-2);border-radius:8px;padding:.7rem .8rem;outline:none}.cb-dialog .field input:focus,.cb-dialog .field select:focus{border-color:var(--navy);box-shadow:0 0 0 3px rgba(11,29,58,.12)}.cb-fine{display:flex;gap:6px;align-items:flex-start;justify-content:flex-start;font-size:.85rem;color:var(--muted);margin:0 0 1rem}.cb-fine input{margin-top:4px}.cb-submit{width:100%;justify-content:center}.cb-tcpa{font-size:.75rem;color:var(--muted);text-align:center;margin:.6rem 0 0}.cb-tcpa a{color:var(--navy-2);text-decoration:underline}.cb-success{display:none;background:#f0f7f3;border:1px solid #cfe6db;color:#0e7a4d;border-radius:8px;padding:.8rem 1rem;font-size:.92rem;margin-top:1rem}.cb-success.show{display:block}.cb-success-link{color:var(--teal);font-weight:600;background:transparent;border:0;padding:0;cursor:pointer;margin-left:.25rem}@media(max-width:480px){.cb-dialog .row{grid-template-columns:1fr}}
.learn-grid{display:grid;grid-template-columns:1fr 320px;gap:40px;align-items:start}
@media(max-width:900px){.learn-grid{grid-template-columns:1fr}}
.learn-body{background:#fff;border:1px solid var(--line);border-radius:18px;padding:32px;box-shadow:var(--shadow)}
.learn-body h2{font-family:Fraunces,serif;font-size:1.4rem;margin:1.6rem 0 .5rem;color:var(--navy)}
.learn-body p{color:var(--ink);line-height:1.7;margin:0 0 1rem}
.learn-body ul,.learn-body ol{color:var(--ink);line-height:1.7;padding-left:1.4rem;margin:0 0 1rem}
.learn-body li{margin-bottom:.4rem}
.learn-body strong{color:var(--navy)}
.learn-side{display:grid;gap:14px}
.learn-card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.learn-card h3{font-family:Fraunces,serif;font-size:1.05rem;margin:0 0 .6rem}
.learn-card ul{list-style:none;padding:0;margin:0;display:grid;gap:.4rem}
.learn-card a{color:var(--navy-2);font-size:.92rem}
.learn-card a:hover{color:var(--gold-2)}

/* Nav dropdown */
.nav-item.has-dropdown { position: relative; list-style: none; }
.nav-item.has-dropdown > a { display: inline-block; }
.nav-item.has-dropdown > .dropdown {
  position: absolute;
  top: 100%;
  left: 0;
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 8px;
  padding: 8px 0;
  min-width: 220px;
  box-shadow: 0 8px 24px rgba(0,0,0,0.08);
  display: none;
  list-style: none;
  z-index: 100;
  margin: 0;
}
.nav-item.has-dropdown:hover > .dropdown,
.nav-item.has-dropdown:focus-within > .dropdown { display: block; }
.nav-item .dropdown-header {
  padding: 8px 16px 4px;
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.05em;
  text-transform: uppercase;
  color: #6b7280;
  list-style: none;
}
.nav-item .dropdown li { list-style: none; }
.nav-item .dropdown li a {
  display: block;
  padding: 8px 16px;
  font-size: 14px;
  color: #111827;
  text-decoration: none;
}
.nav-item .dropdown li a:hover { background: #f3f4f6; }

/* City cards on state pages */
.city-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 16px;
  margin: 24px 0;
}
.city-card {
  display: block;
  padding: 20px;
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 10px;
  text-decoration: none;
  color: inherit;
  transition: border-color .15s ease, box-shadow .15s ease, transform .15s ease;
}
.city-card:hover {
  border-color: #C7963E;
  box-shadow: 0 6px 16px rgba(0,0,0,0.06);
  transform: translateY(-1px);
}
.city-card-name {
  font-size: 18px;
  font-weight: 700;
  color: #0B1F3A;
  margin-bottom: 6px;
}
.city-card-stat {
  font-size: 13px;
  color: #6b7280;
  margin-bottom: 12px;
  font-weight: 500;
}
.city-card-highlight {
  font-size: 14px;
  color: #111827;
  margin-bottom: 14px;
  line-height: 1.4;
}
.city-card-cta {
  display: inline-block;
  font-size: 14px;
  font-weight: 600;
  color: #0B1F3A;
}
.city-card:hover .city-card-cta {
  color: #C7963E;
}
.state-overview { margin: 32px 0; }
.state-overview p { line-height: 1.6; max-width: 70ch; }

/* State and city landing pages */
.site-header{
  min-height:72px;padding:14px max(24px,calc((100vw - 1160px)/2));display:flex;
  align-items:center;justify-content:space-between;gap:24px;background:#fff;
  border-bottom:1px solid var(--line);position:relative;z-index:20
}
.site-header .logo{font-family:Fraunces,serif;font-size:1.3rem;font-weight:700;color:var(--navy);text-decoration:none}
.site-header nav{display:flex;align-items:center;gap:24px}
.site-header nav a{color:var(--navy-2);font-size:.94rem;font-weight:600;text-decoration:none}
.site-header nav a:hover{color:var(--gold-2)}
.site-header nav .phone{background:var(--navy);color:#fff;padding:.7rem 1rem;border-radius:9px}
.site-header nav .phone:hover{background:var(--navy-2);color:#fff}
.site-header + main{background:var(--paper)}
.site-header + main > section{padding:64px max(24px,calc((100vw - 1160px)/2));margin:0}
.site-header + main > section:nth-child(n+2){border-top:1px solid var(--line)}
.site-header + main .hero{padding-top:82px;padding-bottom:76px}
.site-header + main .hero h1{font-size:clamp(2.5rem,5vw,4.6rem);line-height:1.02;max-width:19ch;margin:.7rem 0 1.2rem}
.site-header + main .hero .lede{font-size:clamp(1.05rem,1.7vw,1.25rem);line-height:1.65;max-width:72ch;margin:0 0 28px}
.rate-form{display:grid;grid-template-columns:minmax(180px,1fr) minmax(220px,1fr) auto;gap:14px;align-items:end;max-width:850px;padding:20px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow)}
.rate-form label{display:grid;gap:7px;font-size:.82rem;font-weight:700;color:var(--navy);letter-spacing:.02em}
.rate-form input{width:100%;min-height:48px;padding:.75rem .85rem;border:1px solid var(--line-2);border-radius:9px;background:#fff;color:var(--ink);font:inherit;font-weight:400;outline:none}
.rate-form input:focus{border-color:var(--teal);box-shadow:0 0 0 3px rgba(46,111,115,.12)}
.btn-primary{display:inline-flex;min-height:48px;align-items:center;justify-content:center;padding:.75rem 1.15rem;border:0;border-radius:9px;background:var(--navy);color:#fff;font:inherit;font-weight:700;text-decoration:none;cursor:pointer}
.btn-primary:hover{background:var(--navy-2);color:#fff}
.disclaimer{margin:12px 0 0;color:var(--muted);font-size:.86rem}
.state-overview p{max-width:80ch;color:var(--muted)}
.market-table{width:100%;max-width:820px;margin-top:24px;border-collapse:separate;border-spacing:0;overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:12px}
.market-table th,.market-table td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.market-table tr:last-child th,.market-table tr:last-child td{border-bottom:0}
.market-table th{width:34%;color:var(--navy);font-size:.9rem;background:var(--paper-2)}
.site-header + main .programs{display:block}
.program-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:16px;margin-top:24px}
.program{padding:22px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 5px 18px rgba(11,31,58,.05)}
.program h3{margin:0 0 12px;font-size:1.15rem}
.program p{margin:.35rem 0;color:var(--muted);line-height:1.5}
.program .program-rate{color:var(--gold-2);font-size:1.05rem}
.cities > p{color:var(--muted)}
.site-header + main .faq{max-width:none}
.faq-list{max-width:820px;margin-top:24px}
.site-header + main .cta{text-align:center;background:var(--navy);color:#fff}
.site-header + main .cta h2{color:#fff;margin-bottom:.7rem}
.site-header + main .cta p{color:rgba(255,255,255,.74);margin-bottom:20px}
.site-header + main .cta .btn-primary{background:var(--gold);color:var(--navy)}
.related ul{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:20px 0 0}
.related a{display:block;padding:.7rem .9rem;background:#fff;border:1px solid var(--line);border-radius:8px;color:var(--navy-2);text-decoration:none}
.site-footer{padding:36px max(24px,calc((100vw - 1160px)/2));background:#07172d;color:rgba(255,255,255,.7);font-size:.82rem;line-height:1.55}
.site-footer p{margin:.3rem 0}
.site-footer strong{color:#fff}
.legal-page{
  width:min(900px,calc(100% - 48px));margin:0 auto;padding:64px 0 72px;
  color:var(--ink);font-size:1rem;line-height:1.75
}
.legal-page h1{margin:.55rem 0 .4rem;color:var(--navy);font-size:clamp(2.6rem,6vw,4.5rem);line-height:1.05}
.legal-page h2{margin:2.4rem 0 .65rem;color:var(--navy);font-size:clamp(1.5rem,3vw,2rem)}
.legal-page h3{margin:1.5rem 0 .45rem;color:var(--navy-2);font-size:1.15rem}
.legal-page p{margin:.75rem 0;color:var(--ink)}
.legal-page .meta{margin-bottom:2rem;color:var(--muted);font-size:.9rem}
.legal-page ul{margin:.75rem 0 1.25rem;padding-left:1.4rem}
.legal-page li{margin:.45rem 0}
.legal-page a,.legal-page a:visited{color:var(--teal);font-weight:650;text-decoration:underline;text-underline-offset:3px}
.legal-page a:hover{color:var(--navy)}
.legal-page a:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:2px}
.legal-page > p:last-child{margin-top:2.5rem;padding:18px 20px;background:var(--paper-2);border-left:4px solid var(--gold);border-radius:0 8px 8px 0}
@media(max-width:780px){
  .site-header{align-items:flex-start;flex-direction:column;gap:12px;padding-top:16px;padding-bottom:16px}
  .site-header nav{width:100%;gap:14px;flex-wrap:wrap}
  .site-header nav .phone{margin-left:auto;padding:.55rem .7rem}
  .site-header + main > section{padding-top:44px;padding-bottom:44px}
  .site-header + main .hero{padding-top:54px;padding-bottom:48px}
  .site-header + main .hero h1{font-size:clamp(2.25rem,12vw,3.4rem)}
  .rate-form{grid-template-columns:1fr;padding:16px}
  .program-grid{grid-template-columns:1fr}
  .market-table th,.market-table td{display:block;width:100%}
  .market-table th{padding-bottom:5px;border-bottom:0}
  .market-table td{padding-top:5px}
  .legal-page{width:min(100% - 32px,900px);padding:44px 0 52px}
}