:root{--navy:#1e3a8a;--navy-dark:#152a63;--navy-light:#2952c0;--gold:#d4a017;--gold-dark:#b08612;--gold-light:#e8b937;--white:#ffffff;--gray-50:#f8fafc;--gray-100:#f1f5f9;--gray-200:#e2e8f0;--gray-300:#cbd5e1;--gray-500:#64748b;--gray-700:#334155;--gray-900:#0f172a;--green:#16a34a;--green-light:#dcfce7;--red:#dc2626;--red-light:#fee2e2;--font-display:Georgia,'Times New Roman',serif;--font-body:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;--shadow-sm:0 1px 2px rgba(15,23,42,0.04),0 1px 3px rgba(15,23,42,0.06);--shadow-md:0 4px 6px rgba(15,23,42,0.05),0 10px 15px rgba(15,23,42,0.08);--shadow-lg:0 20px 25px rgba(15,23,42,0.08),0 10px 10px rgba(15,23,42,0.04);--shadow-gold:0 8px 20px rgba(212,160,23,0.25);--radius-sm:6px;--radius-md:8px;--radius-lg:12px;--radius-xl:16px;--transition:0.3s cubic-bezier(0.4,0,0.2,1);--transition-fast:0.15s ease;--max-width:1200px;--container-padding:clamp(1rem,4vw,2rem)}*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}svg:not([class]):not([style*="width"]){max-width:100%;height:auto}.benefit-icon svg,.step-icon svg,.value-card .step-icon svg{max-width:28px}.trust-item svg{max-width:18px}.check-icon svg{max-width:12px}.faq-icon svg{max-width:14px}.comp-check svg{max-width:14px}.stars svg,.trust-stars svg{max-width:18px}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}body{font-family:var(--font-body);font-size:16px;line-height:1.6;color:var(--gray-900);background:var(--white);-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale}img{max-width:100%;display:block;height:auto}a{color:var(--navy);text-decoration:none;transition:color var(--transition-fast)}a:hover{color:var(--gold)}button{font-family:inherit;cursor:pointer;border:none;background:none}input,textarea,select{font-family:inherit;font-size:1rem}h1,h2,h3,h4{font-family:var(--font-display);font-weight:700;line-height:1.2;color:var(--gray-900);letter-spacing:-0.02em}h1{font-size:clamp(2.25rem,5vw,3rem)}h2{font-size:clamp(1.75rem,4vw,2.25rem)}h3{font-size:clamp(1.25rem,3vw,1.5rem)}h4{font-size:1.125rem;font-family:var(--font-body);font-weight:600}p{color:var(--gray-700)}.eyebrow{font-family:var(--font-body);font-size:0.875rem;font-weight:700;text-transform:uppercase;letter-spacing:0.1em;color:#8a6400;margin-bottom:0.75rem}.section-title{text-align:center;margin-bottom:1rem}.section-subtitle{text-align:center;color:var(--gray-500);max-width:640px;margin:0 auto 3rem;font-size:1.0625rem}.container{max-width:var(--max-width);margin:0 auto;padding:0 var(--container-padding)}.section{padding:clamp(3rem,8vw,6rem) 0}.section-light{background:var(--gray-50)}.section-dark{background:var(--navy);color:var(--white)}.section-dark h1,.section-dark h2,.section-dark h3{color:var(--white)}.section-dark .eyebrow,.page-hero .eyebrow,.hero .eyebrow,.cta-band .eyebrow{color:var(--gold-light)}.section-dark p{color:rgba(255,255,255,0.85)}.btn{display:inline-flex;align-items:center;justify-content:center;gap:0.5rem;padding:0.875rem 1.75rem;font-size:1rem;font-weight:600;border-radius:var(--radius-md);transition:all var(--transition);cursor:pointer;white-space:nowrap;border:2px solid transparent;line-height:1}.btn-primary{background:var(--gold);color:var(--navy-dark);box-shadow:var(--shadow-gold)}.btn-primary:hover{background:var(--gold-dark);color:var(--navy-dark);transform:translateY(-2px);box-shadow:0 12px 24px rgba(212,160,23,0.35)}.btn-secondary{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-secondary:hover{background:var(--navy);color:var(--white)}.btn-on-dark{background:var(--white);color:var(--navy)}.btn-on-dark:hover{background:var(--gray-100);color:var(--navy);transform:translateY(-2px)}.btn-outline-light{background:transparent;color:var(--white);border-color:rgba(255,255,255,0.4)}.btn-outline-light:hover{background:var(--white);color:var(--navy)}.btn-lg{padding:1.125rem 2.25rem;font-size:1.0625rem}.btn-block{width:100%}.btn:disabled{opacity:0.6;cursor:not-allowed;transform:none !important}.nav{position:sticky;top:0;z-index:100;background:rgba(255,255,255,0.95);backdrop-filter:saturate(180%) blur(12px);-webkit-backdrop-filter:saturate(180%) blur(12px);border-bottom:1px solid var(--gray-200);transition:box-shadow var(--transition)}.nav.scrolled{box-shadow:var(--shadow-sm)}.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;max-width:var(--max-width);margin:0 auto;padding:0 var(--container-padding)}.nav-logo{display:flex;align-items:center;gap:0.7rem;font-family:var(--font-display);font-weight:700;font-size:1.25rem;color:var(--navy);letter-spacing:-0.01em;white-space:nowrap;flex-shrink:0}.nav-logo:hover{color:var(--navy)}.logo-mark{width:40px;height:40px;display:inline-flex;align-items:center;justify-content:center;flex-shrink:0}.logo-mark svg{width:100%;height:100%;display:block}@media (max-width:1100px){.nav-logo{font-size:1.125rem}}@media (max-width:480px){.nav-logo{font-size:1rem;gap:0.5rem}.logo-mark{width:34px;height:34px}}.nav-menu{display:flex;align-items:center;gap:2rem;list-style:none}.nav-menu a{color:var(--gray-700);font-weight:500;font-size:0.9375rem;position:relative}.nav-menu a:hover,.nav-menu a.active{color:var(--navy)}.nav-menu a.active::after{content:'';position:absolute;bottom:-6px;left:0;right:0;height:2px;background:var(--gold);border-radius:2px}.nav-cta{display:flex;align-items:center;gap:1rem}.nav-toggle{display:none;width:40px;height:40px;flex-direction:column;align-items:center;justify-content:center;gap:5px;border-radius:var(--radius-sm)}.nav-toggle span{display:block;width:24px;height:2px;background:var(--gray-900);transition:transform var(--transition),opacity var(--transition)}.nav-toggle.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.nav-toggle.open span:nth-child(2){opacity:0}.nav-toggle.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}@media (max-width:880px){.nav-menu,.nav-cta .btn{display:none}.nav-toggle{display:flex}.nav-menu.mobile-open{display:flex;position:absolute;top:72px;left:0;right:0;flex-direction:column;background:var(--white);padding:1.5rem var(--container-padding) 2rem;border-bottom:1px solid var(--gray-200);gap:1.25rem;align-items:flex-start;box-shadow:var(--shadow-md)}.nav-menu.mobile-open .btn{display:inline-flex;width:100%;margin-top:0.5rem}}.hero{position:relative;background:radial-gradient(ellipse at top right,rgba(212,160,23,0.12),transparent 50%),radial-gradient(ellipse at bottom left,rgba(30,58,138,0.08),transparent 50%),linear-gradient(180deg,#fefefe 0%,#f8fafc 100%);padding:clamp(3rem,8vw,5rem) 0 clamp(3rem,6vw,4rem);overflow:hidden}.hero::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(30,58,138,0.04) 1px,transparent 1px),linear-gradient(90deg,rgba(30,58,138,0.04) 1px,transparent 1px);background-size:48px 48px;-webkit-mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%);mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%);pointer-events:none}.hero-inner{position:relative;text-align:center;max-width:820px;margin:0 auto}.hero-badge{display:inline-flex;align-items:center;gap:0.5rem;background:var(--white);color:var(--navy);padding:0.5rem 1rem;border-radius:999px;font-size:0.875rem;font-weight:600;border:1px solid var(--gray-200);box-shadow:var(--shadow-sm);margin-bottom:1.5rem}.hero-badge::before{content:'';width:8px;height:8px;background:var(--green);border-radius:50%;box-shadow:0 0 0 3px rgba(22,163,74,0.2);animation:pulse 2s ease-in-out infinite}@keyframes pulse{0%,100%{box-shadow:0 0 0 3px rgba(22,163,74,0.2)}50%{box-shadow:0 0 0 6px rgba(22,163,74,0)}}.hero h1{font-size:clamp(2.5rem,6vw,3.75rem);margin-bottom:1.25rem}.hero h1 .accent{color:var(--navy);position:relative;display:inline-block}.hero h1 .accent::after{content:'';position:absolute;left:0;right:0;bottom:0.05em;height:0.18em;background:var(--gold);opacity:0.35;z-index:-1;border-radius:2px}.hero p.lead{font-size:clamp(1.0625rem,2.5vw,1.25rem);color:var(--gray-700);max-width:600px;margin:0 auto 2rem}.hero-ctas{display:flex;gap:1rem;justify-content:center;flex-wrap:wrap;margin-bottom:2.5rem}.hero-trust{display:flex;gap:2rem;justify-content:center;flex-wrap:wrap;font-size:0.9375rem;color:var(--gray-700)}.hero-trust span{display:inline-flex;align-items:center;gap:0.5rem}.check-icon{display:inline-grid;place-items:center;width:20px;height:20px;background:var(--green-light);color:var(--green);border-radius:50%;flex-shrink:0}.check-icon svg{width:12px;height:12px}.page-hero{background:radial-gradient(ellipse at top right,rgba(212,160,23,0.1),transparent 50%),linear-gradient(180deg,#fefefe 0%,#f8fafc 100%);padding:clamp(3rem,6vw,5rem) 0 clamp(2rem,4vw,3rem);text-align:center;border-bottom:1px solid var(--gray-200)}.page-hero h1{margin-bottom:1rem}.page-hero p{font-size:1.125rem;color:var(--gray-500);max-width:640px;margin:0 auto}.breadcrumbs{font-size:0.875rem;color:var(--gray-500);margin-bottom:1rem}.breadcrumbs a{color:var(--gray-500)}.breadcrumbs a:hover{color:var(--navy)}.calculator{background:var(--white);border-radius:var(--radius-xl);padding:clamp(1.75rem,4vw,2.75rem);box-shadow:var(--shadow-lg);max-width:720px;margin:0 auto;border:1px solid var(--gray-200);position:relative}.calculator::before{content:'';position:absolute;top:-1px;left:1.5rem;right:1.5rem;height:4px;background:linear-gradient(90deg,var(--navy),var(--gold));border-radius:4px 4px 0 0}.calculator h2{text-align:center;margin-bottom:0.5rem}.calculator-subtitle{text-align:center;color:var(--gray-500);margin-bottom:2rem;font-size:0.9375rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.25rem}.form-grid .full{grid-column:1 / -1}@media (max-width:560px){.form-grid{grid-template-columns:1fr}}.form-group{display:flex;flex-direction:column;gap:0.5rem}.form-group label{font-size:0.875rem;font-weight:600;color:var(--gray-700)}.form-group label .optional{font-weight:400;color:var(--gray-500);font-size:0.8125rem}.form-group input,.form-group select,.form-group textarea{padding:0.75rem 0.875rem;background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-md);color:var(--gray-900);transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}.form-group textarea{resize:vertical;min-height:100px;font-family:inherit}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 4px rgba(30,58,138,0.1)}.form-group .error-msg{color:var(--red);font-size:0.8125rem;display:none}.form-group.has-error input,.form-group.has-error select{border-color:var(--red)}.form-group.has-error .error-msg{display:block}.slider-group{grid-column:1 / -1}.slider-wrap{position:relative;padding-top:0.25rem}.condition-slider{-webkit-appearance:none;appearance:none;width:100%;height:6px;background:linear-gradient(90deg,#fee2e2 0%,#fef3c7 50%,#dcfce7 100%);border-radius:999px;outline:none;cursor:pointer}.condition-slider::-webkit-slider-thumb{-webkit-appearance:none;width:24px;height:24px;background:var(--navy);border:3px solid var(--white);border-radius:50%;cursor:pointer;box-shadow:var(--shadow-md);transition:transform var(--transition-fast)}.condition-slider::-webkit-slider-thumb:hover{transform:scale(1.15)}.condition-slider::-moz-range-thumb{width:24px;height:24px;background:var(--navy);border:3px solid var(--white);border-radius:50%;cursor:pointer;box-shadow:var(--shadow-md)}.slider-labels{display:flex;justify-content:space-between;margin-top:0.625rem;font-size:0.8125rem;color:var(--gray-500)}.slider-value{text-align:center;margin-top:0.5rem;font-weight:600;color:var(--navy);font-size:0.9375rem}.calc-submit{margin-top:1.5rem}.calc-result{margin-top:2rem;padding:1.75rem;background:linear-gradient(135deg,rgba(30,58,138,0.04),rgba(212,160,23,0.06));border-radius:var(--radius-lg);text-align:center;border:1px solid var(--gray-200);display:none}.calc-result.show{display:block;animation:slideUp 0.5s cubic-bezier(0.16,1,0.3,1)}@keyframes slideUp{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:translateY(0)}}.calc-result-label{font-size:0.875rem;font-weight:600;color:var(--gold);text-transform:uppercase;letter-spacing:0.08em;margin-bottom:0.5rem}.calc-result-range{font-family:var(--font-display);font-size:clamp(1.875rem,5vw,2.5rem);font-weight:700;color:var(--navy);margin-bottom:0.75rem;letter-spacing:-0.02em}.calc-result-disclaimer{color:var(--gray-500);font-size:0.875rem;max-width:480px;margin:0 auto 1.25rem;line-height:1.5}.steps-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:2rem;position:relative}.step-card{text-align:center;position:relative}.step-number{width:64px;height:64px;background:var(--white);color:var(--navy);border:2px solid var(--navy);border-radius:50%;display:grid;place-items:center;font-family:var(--font-display);font-size:1.5rem;font-weight:700;margin:0 auto 1.25rem;position:relative;z-index:2}.section-dark .step-number{background:var(--navy);color:var(--gold);border-color:var(--gold)}.step-card h3{margin-bottom:0.75rem}.step-card p{color:var(--gray-500)}.section-dark .step-card p{color:rgba(255,255,255,0.75)}.step-icon{width:56px;height:56px;background:rgba(30,58,138,0.08);color:var(--navy);border-radius:var(--radius-lg);display:grid;place-items:center;margin:0 auto 1.25rem}.step-icon svg{width:28px;height:28px}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}.benefit-card{background:var(--white);padding:2rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200);transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition)}.benefit-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md);border-color:var(--gold)}.benefit-icon{width:48px;height:48px;background:rgba(212,160,23,0.12);color:var(--gold);border-radius:var(--radius-md);display:grid;place-items:center;margin-bottom:1.25rem}.benefit-icon svg{width:24px;height:24px}.benefit-card h3{font-size:1.1875rem;margin-bottom:0.5rem}.benefit-card p{color:var(--gray-500);font-size:0.9375rem}.areas-grid{display:grid;grid-template-columns:1fr 1fr;gap:3rem}@media (max-width:720px){.areas-grid{grid-template-columns:1fr;gap:2rem}}.area-state{background:var(--white);padding:2rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200)}.area-state h3{display:flex;align-items:center;gap:0.625rem;margin-bottom:1.25rem;color:var(--navy)}.state-flag{display:inline-grid;place-items:center;width:32px;height:32px;background:var(--gold);color:var(--white);border-radius:var(--radius-sm);font-size:0.875rem;font-weight:700}.city-list{list-style:none;display:flex;flex-wrap:wrap;gap:0.5rem}.city-list li a,.city-pill{display:inline-block;padding:0.5rem 1rem;background:var(--gray-50);color:var(--gray-700);border-radius:999px;font-size:0.875rem;font-weight:500;border:1px solid var(--gray-200);transition:all var(--transition-fast);cursor:pointer}.city-list li a:hover,.city-pill:hover{background:var(--navy);color:var(--white);border-color:var(--navy)}.stats-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:2rem;text-align:center}.stat-number{font-family:var(--font-display);font-size:clamp(2.25rem,5vw,3rem);font-weight:700;color:var(--gold);line-height:1;margin-bottom:0.5rem;letter-spacing:-0.02em}.stat-label{font-size:0.9375rem;color:rgba(255,255,255,0.8);text-transform:uppercase;letter-spacing:0.08em;font-weight:500}.section:not(.section-dark) .stat-number{color:var(--navy)}.section:not(.section-dark) .stat-label{color:var(--gray-500)}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:1.5rem}.testimonial{background:var(--white);padding:2rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200);position:relative;transition:transform var(--transition),box-shadow var(--transition)}.testimonial:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.stars{display:flex;gap:2px;color:var(--gold);margin-bottom:1rem}.stars svg{width:18px;height:18px;min-width:18px;min-height:18px;flex-shrink:0}.testimonial-quote{font-size:1rem;color:var(--gray-700);margin-bottom:1.25rem;line-height:1.6;font-style:italic}.testimonial-author{display:flex;align-items:center;gap:0.875rem;padding-top:1rem;border-top:1px solid var(--gray-200)}.author-avatar{width:44px;height:44px;border-radius:50%;background:linear-gradient(135deg,var(--navy),var(--navy-light));color:var(--white);display:grid;place-items:center;font-weight:600;font-size:0.9375rem}.author-name{font-weight:600;color:var(--gray-900);font-size:0.9375rem}.author-location{font-size:0.8125rem;color:var(--gray-500)}.faq-list{max-width:760px;margin:0 auto;display:flex;flex-direction:column;gap:0.75rem}.faq-item{background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius-md);overflow:hidden;transition:border-color var(--transition-fast),box-shadow var(--transition-fast)}.faq-item.open{border-color:var(--navy);box-shadow:var(--shadow-sm)}.faq-question{width:100%;padding:1.125rem 1.25rem;display:flex;justify-content:space-between;align-items:center;text-align:left;font-size:1rem;font-weight:600;color:var(--gray-900);background:none;cursor:pointer;gap:1rem}.faq-question:hover{color:var(--navy)}.faq-icon{flex-shrink:0;width:28px;height:28px;display:grid;place-items:center;background:var(--gray-50);border-radius:50%;color:var(--navy);transition:transform var(--transition)}.faq-item.open .faq-icon{transform:rotate(45deg);background:var(--navy);color:var(--white)}.faq-icon svg{width:14px;height:14px}.faq-answer{max-height:0;overflow:hidden;transition:max-height var(--transition)}.faq-answer-inner{padding:0 1.25rem 1.25rem;color:var(--gray-700);line-height:1.65}.cta-band{background:radial-gradient(ellipse at top right,rgba(212,160,23,0.2),transparent 50%),linear-gradient(135deg,var(--navy) 0%,var(--navy-dark) 100%);color:var(--white);padding:clamp(3rem,6vw,5rem) 0;text-align:center;position:relative;overflow:hidden}.cta-band::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.04) 1px,transparent 1px);background-size:48px 48px;-webkit-mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%);mask-image:radial-gradient(ellipse at center,black 30%,transparent 70%);pointer-events:none}.cta-band-inner{position:relative;max-width:720px;margin:0 auto}.cta-band h2{color:var(--white);margin-bottom:1rem}.cta-band p{color:rgba(255,255,255,0.85);font-size:1.125rem;margin-bottom:2rem}.footer{background:var(--gray-900);color:rgba(255,255,255,0.7);padding:4rem 0 2rem}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:3rem;margin-bottom:3rem}@media (max-width:800px){.footer-grid{grid-template-columns:1fr 1fr;gap:2rem}}@media (max-width:480px){.footer-grid{grid-template-columns:1fr}}.footer-brand .nav-logo{color:var(--white);margin-bottom:1rem}.footer-brand .nav-logo:hover{color:var(--white)}.footer-tagline{font-style:italic;color:rgba(255,255,255,0.6);font-size:0.9375rem;margin-bottom:1rem;max-width:280px}.footer-contact{font-size:0.875rem;color:rgba(255,255,255,0.6)}.footer-contact a{color:var(--gold-light)}.footer-contact a:hover{color:var(--white)}.footer-col h3{color:var(--white);font-size:0.875rem;text-transform:uppercase;letter-spacing:0.1em;margin-bottom:1.25rem}.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:0.625rem}.footer-col a{color:rgba(255,255,255,0.6);font-size:0.9375rem}.footer-col a:hover{color:var(--white)}.footer-bottom{padding-top:2rem;border-top:1px solid rgba(255,255,255,0.1);display:flex;justify-content:space-between;align-items:flex-start;flex-wrap:wrap;gap:1rem;font-size:0.8125rem;color:rgba(255,255,255,0.5)}.footer-disclaimer{flex:1;min-width:280px;max-width:720px;line-height:1.5}.offer-form-wrap{max-width:760px;margin:0 auto;background:var(--white);border-radius:var(--radius-xl);padding:clamp(1.75rem,4vw,3rem);box-shadow:var(--shadow-lg);border:1px solid var(--gray-200)}.stepper{display:flex;justify-content:space-between;margin-bottom:2.5rem;position:relative}.stepper::before{content:'';position:absolute;top:16px;left:16px;right:16px;height:2px;background:var(--gray-200);z-index:0}.stepper-progress{position:absolute;top:16px;left:16px;height:2px;background:var(--gold);z-index:1;transition:width var(--transition);width:0%}.stepper-item{position:relative;z-index:2;display:flex;flex-direction:column;align-items:center;gap:0.5rem;flex:1}.stepper-circle{width:32px;height:32px;background:var(--white);border:2px solid var(--gray-300);color:var(--gray-500);border-radius:50%;display:grid;place-items:center;font-weight:600;font-size:0.875rem;transition:all var(--transition)}.stepper-item.active .stepper-circle{background:var(--navy);border-color:var(--navy);color:var(--white)}.stepper-item.complete .stepper-circle{background:var(--gold);border-color:var(--gold);color:var(--white)}.stepper-label{font-size:0.75rem;color:var(--gray-500);font-weight:500;text-align:center}.stepper-item.active .stepper-label,.stepper-item.complete .stepper-label{color:var(--gray-900)}@media (max-width:560px){.stepper-label{display:none}}.form-step{display:none}.form-step.active{display:block;animation:fadeIn 0.4s ease}@keyframes fadeIn{from{opacity:0;transform:translateY(8px)}to{opacity:1;transform:translateY(0)}}.form-step h3{margin-bottom:0.5rem}.form-step-subtitle{color:var(--gray-500);margin-bottom:1.75rem;font-size:0.9375rem}.checkbox-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:0.75rem}.checkbox-card{display:flex;align-items:center;gap:0.625rem;padding:0.75rem 1rem;background:var(--white);border:1.5px solid var(--gray-200);border-radius:var(--radius-md);cursor:pointer;transition:all var(--transition-fast);font-size:0.9375rem}.checkbox-card:hover{border-color:var(--gray-300)}.checkbox-card input{width:18px;height:18px;accent-color:var(--navy);cursor:pointer}.checkbox-card input:checked+span{font-weight:600;color:var(--navy)}.checkbox-card:has(input:checked){border-color:var(--navy);background:rgba(30,58,138,0.04)}.radio-row{display:flex;gap:0.75rem;flex-wrap:wrap}.radio-pill{display:inline-flex;align-items:center;gap:0.5rem;padding:0.625rem 1.125rem;background:var(--white);border:1.5px solid var(--gray-200);border-radius:999px;cursor:pointer;transition:all var(--transition-fast);font-size:0.9375rem}.radio-pill input{display:none}.radio-pill:has(input:checked){border-color:var(--navy);background:var(--navy);color:var(--white)}.form-nav{display:flex;justify-content:space-between;gap:1rem;margin-top:2rem;padding-top:1.5rem;border-top:1px solid var(--gray-200)}.form-nav .btn-secondary{visibility:hidden}.form-nav .btn-secondary.show{visibility:visible}.form-success{display:none;text-align:center;padding:2rem 1rem}.form-success.show{display:block;animation:fadeIn 0.5s ease}.success-icon{width:80px;height:80px;background:var(--green-light);color:var(--green);border-radius:50%;display:grid;place-items:center;margin:0 auto 1.5rem}.success-icon svg{width:40px;height:40px}.form-success h3{font-size:1.75rem;margin-bottom:0.75rem}.form-success p{font-size:1.0625rem;max-width:480px;margin:0 auto 1.5rem}.form-error-banner{display:none;padding:1rem;background:var(--red-light);color:var(--red);border-radius:var(--radius-md);margin-bottom:1rem;font-size:0.9375rem}.form-error-banner.show{display:block}.timeline{max-width:720px;margin:0 auto;position:relative;padding-left:3rem}.timeline::before{content:'';position:absolute;top:0;bottom:0;left:18px;width:2px;background:var(--gray-200)}.timeline-item{position:relative;padding-bottom:2.5rem}.timeline-item:last-child{padding-bottom:0}.timeline-item::before{content:counter(step);counter-increment:step;position:absolute;left:-3rem;top:0;width:38px;height:38px;background:var(--navy);color:var(--white);border-radius:50%;display:grid;place-items:center;font-weight:700;font-family:var(--font-display);border:3px solid var(--white);box-shadow:0 0 0 2px var(--navy);font-size:1rem}.timeline{counter-reset:step}.timeline-item h3{margin-bottom:0.5rem;font-size:1.25rem}.timeline-time{display:inline-block;font-size:0.8125rem;color:var(--gold);font-weight:600;text-transform:uppercase;letter-spacing:0.08em;margin-bottom:0.5rem}.values-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:1.5rem}.value-card{background:var(--white);padding:1.75rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200);text-align:center}.value-card .step-icon{background:rgba(212,160,23,0.12);color:var(--gold)}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:4rem;align-items:center}@media (max-width:800px){.two-col{grid-template-columns:1fr;gap:2.5rem}}.two-col h2{margin-bottom:1rem}.two-col p{margin-bottom:1rem;color:var(--gray-700)}.image-card{background:linear-gradient(135deg,var(--navy),var(--navy-dark));border-radius:var(--radius-xl);aspect-ratio:4 / 3;position:relative;overflow:hidden;display:grid;place-items:center;color:var(--gold)}.image-card::before{content:'';position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,0.06) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,0.06) 1px,transparent 1px);background-size:32px 32px}.image-card-content{position:relative;text-align:center;padding:2rem}.image-card-content svg{width:80px;height:80px;margin-bottom:1rem;opacity:0.9}.image-card-content h3{color:var(--white);margin-bottom:0.5rem}.image-card-content p{color:rgba(255,255,255,0.7)}.review-filters{display:flex;justify-content:center;gap:0.75rem;margin-bottom:3rem;flex-wrap:wrap}.filter-btn{padding:0.5rem 1.25rem;background:var(--white);border:1.5px solid var(--gray-200);border-radius:999px;color:var(--gray-700);font-weight:500;font-size:0.9375rem;cursor:pointer;transition:all var(--transition-fast)}.filter-btn:hover{border-color:var(--gray-300)}.filter-btn.active{background:var(--navy);color:var(--white);border-color:var(--navy)}.area-cities-detail{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:1.5rem;margin-top:2rem}.city-card{background:var(--white);padding:1.5rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200);transition:all var(--transition)}.city-card:hover{border-color:var(--gold);box-shadow:var(--shadow-md);transform:translateY(-2px)}.city-card h4{font-family:var(--font-display);font-size:1.25rem;font-weight:700;margin-bottom:0.5rem;color:var(--navy)}.city-card p{color:var(--gray-500);font-size:0.9375rem;margin-bottom:1rem}.city-card .small-cta{font-size:0.875rem;font-weight:600;color:var(--gold)}.text-center{text-align:center}.mt-4{margin-top:2rem}.mb-4{margin-bottom:2rem}.legal-content{max-width:760px;margin:0 auto}.legal-content h2{font-size:1.5rem;margin:2.5rem 0 1rem;text-align:left}.legal-content h2:first-child{margin-top:0}.legal-content p,.legal-content li{color:var(--gray-700);margin-bottom:1rem;line-height:1.7}.legal-content ul{padding-left:1.5rem;margin-bottom:1rem}.legal-content .updated{color:var(--gray-500);font-size:0.875rem;font-style:italic;margin-bottom:2rem}.nav-phone{display:inline-flex;align-items:center;gap:0.375rem;font-weight:600;font-size:0.9375rem;color:var(--navy);white-space:nowrap}.nav-phone svg{width:16px;height:16px;flex-shrink:0;color:var(--gold)}.nav-phone:hover{color:var(--gold)}@media (max-width:1024px){.nav-phone{display:none}}.trust-bar{background:var(--white);border-bottom:1px solid var(--gray-200);padding:0.875rem 0}.trust-bar-inner{display:flex;align-items:center;justify-content:center;gap:2.5rem;flex-wrap:wrap;max-width:var(--max-width);margin:0 auto;padding:0 var(--container-padding)}.trust-item{display:flex;align-items:center;gap:0.5rem;font-size:0.875rem;color:var(--gray-700);font-weight:500;white-space:nowrap}.trust-item svg{width:18px;height:18px;flex-shrink:0}.trust-item .trust-stars{display:flex;gap:1px;color:var(--gold)}.trust-item .trust-stars svg{width:14px;height:14px;min-width:14px;min-height:14px;flex-shrink:0}.trust-divider{width:1px;height:20px;background:var(--gray-200)}@media (max-width:640px){.trust-divider{display:none}.trust-bar-inner{gap:1.25rem}}.fade-in-up{opacity:0;transform:translateY(24px);transition:opacity 0.6s cubic-bezier(0.16,1,0.3,1),transform 0.6s cubic-bezier(0.16,1,0.3,1)}.fade-in-up.visible{opacity:1;transform:translateY(0)}.fade-in-up:nth-child(2){transition-delay:0.1s}.fade-in-up:nth-child(3){transition-delay:0.2s}.fade-in-up:nth-child(4){transition-delay:0.3s}.fade-in-up:nth-child(5){transition-delay:0.35s}.fade-in-up:nth-child(6){transition-delay:0.4s}.comparison-wrap{overflow-x:auto;-webkit-overflow-scrolling:touch;margin-top:2rem}.comparison-table{width:100%;min-width:560px;border-collapse:separate;border-spacing:0}.comparison-table th,.comparison-table td{padding:1rem 1.25rem;text-align:center;vertical-align:middle;border-bottom:1px solid var(--gray-200)}.comparison-table th:first-child,.comparison-table td:first-child{text-align:left;color:var(--gray-700);font-weight:500;font-size:0.9375rem;width:40%}.comparison-table thead th{border-bottom:2px solid var(--gray-200);font-size:0.875rem;padding-bottom:1.25rem}.comparison-table thead th:first-child{color:transparent}.comparison-col-head{display:flex;flex-direction:column;align-items:center;gap:0.375rem}.comparison-col-badge{display:inline-block;padding:0.375rem 1rem;border-radius:999px;font-weight:700;font-size:0.9375rem;letter-spacing:-0.01em}.comparison-col-badge.threshold{background:var(--navy);color:var(--white)}.comparison-col-badge.traditional{background:var(--gray-100);color:var(--gray-700)}.comparison-col-sub{font-size:0.75rem;color:var(--gray-500);font-weight:400}.comparison-table tbody tr:hover td{background:var(--gray-50)}.comparison-table tbody tr:last-child td{border-bottom:none}.comp-win{font-weight:700;color:var(--navy)}.comp-check{display:inline-grid;place-items:center;width:28px;height:28px;border-radius:50%;margin:0 auto}.comp-check.yes{background:var(--green-light);color:var(--green)}.comp-check.no{background:var(--red-light);color:var(--red)}.comp-check svg{width:14px;height:14px}.comparison-table td.col-threshold{background:rgba(30,58,138,0.03);border-left:2px solid var(--navy);border-right:2px solid var(--navy)}.comparison-table thead th.col-threshold{border-left:2px solid var(--navy);border-right:2px solid var(--navy);border-top:2px solid var(--navy);border-radius:var(--radius-sm) var(--radius-sm) 0 0}.comparison-table tbody tr:last-child td.col-threshold{border-bottom:2px solid var(--navy);border-radius:0 0 var(--radius-sm) var(--radius-sm)}.testimonial{position:relative;overflow:visible}.testimonial::before{content:'\201C';position:absolute;top:-0.5rem;left:1.25rem;font-family:var(--font-display);font-size:5rem;line-height:1;color:var(--gold);opacity:0.2;pointer-events:none;z-index:0}.testimonial>*{position:relative;z-index:1}.float-call{display:none;position:fixed;bottom:1.5rem;right:1.5rem;z-index:90;background:var(--gold);color:var(--white);width:56px;height:56px;border-radius:50%;align-items:center;justify-content:center;box-shadow:0 4px 16px rgba(212,160,23,0.45);transition:transform var(--transition),box-shadow var(--transition)}.float-call:hover{transform:scale(1.08);box-shadow:0 6px 20px rgba(212,160,23,0.55);color:var(--white)}.float-call svg{width:26px;height:26px}@media (max-width:768px){.float-call{display:flex}}@keyframes heroSlideUp{from{opacity:0;transform:translateY(32px)}to{opacity:1;transform:translateY(0)}}@keyframes heroScale{from{opacity:0;transform:scale(0.94)}to{opacity:1;transform:scale(1)}}.hero-badge{animation:heroSlideUp 0.7s cubic-bezier(0.16,1,0.3,1) 0.1s both}.hero h1{animation:heroSlideUp 0.8s cubic-bezier(0.16,1,0.3,1) 0.25s both}.hero p.lead{animation:heroSlideUp 0.8s cubic-bezier(0.16,1,0.3,1) 0.4s both}.hero-ctas{animation:heroSlideUp 0.8s cubic-bezier(0.16,1,0.3,1) 0.55s both}.hero-trust{animation:heroSlideUp 0.8s cubic-bezier(0.16,1,0.3,1) 0.7s both}.section-title::after{content:'';display:block;width:48px;height:3px;background:linear-gradient(90deg,var(--gold),var(--gold-light));border-radius:3px;margin:0.75rem auto 0}.section-dark .section-title::after{background:linear-gradient(90deg,var(--gold-light),var(--gold))}.nav-menu a{transition:color var(--transition-fast)}.nav-menu a::after{content:'';position:absolute;bottom:-6px;left:50%;right:50%;height:2px;background:var(--gold);border-radius:2px;transition:left var(--transition),right var(--transition)}.nav-menu a:hover::after{left:0;right:0}.nav-menu a.active::after{left:0;right:0}.btn{position:relative;overflow:hidden}.btn-ripple{position:absolute;border-radius:50%;background:rgba(255,255,255,0.28);width:10px;height:10px;margin-top:-5px;margin-left:-5px;transform:scale(0);animation:btnRipple 0.55s linear;pointer-events:none}@keyframes btnRipple{to{transform:scale(40);opacity:0}}.step-card{background:var(--white);padding:2rem 1.5rem;border-radius:var(--radius-lg);border:1px solid var(--gray-200);border-top:3px solid transparent;transition:transform var(--transition),box-shadow var(--transition),border-color var(--transition);position:relative;overflow:hidden}.step-card::before{content:'';position:absolute;top:0;left:0;right:0;height:3px;background:linear-gradient(90deg,var(--navy),var(--gold))}.step-card:hover{transform:translateY(-4px);box-shadow:var(--shadow-md)}.benefit-card{position:relative;overflow:hidden}.benefit-card::before{content:'';position:absolute;top:-1px;left:1.5rem;right:1.5rem;height:3px;background:linear-gradient(90deg,var(--navy),var(--gold));border-radius:0 0 3px 3px;transform:scaleX(0);transition:transform var(--transition)}.benefit-card:hover::before{transform:scaleX(1)}.stats-grid>div{padding:1.5rem;border-radius:var(--radius-lg);border:1px solid rgba(212,160,23,0.2);transition:transform var(--transition),border-color var(--transition);background:rgba(255,255,255,0.04)}.stats-grid>div:hover{transform:translateY(-3px);border-color:rgba(212,160,23,0.5)}.testimonial{position:relative}.testimonial::before{content:'\201C';position:absolute;top:0.5rem;right:1.5rem;font-family:var(--font-display);font-size:5rem;line-height:1;color:var(--gold);opacity:0.15;pointer-events:none;z-index:0}.testimonial>*{position:relative;z-index:1}.testimonial-quote{font-style:italic}.cta-band-dots{position:absolute;inset:0;overflow:hidden;pointer-events:none}.cta-dot{position:absolute;border-radius:50%;background:var(--gold);opacity:0.12;animation:dotFloat linear infinite}@keyframes dotFloat{0%{transform:translateY(0) scale(1);opacity:0.12}50%{opacity:0.2}100%{transform:translateY(-80px) scale(0.7);opacity:0}}.reveal{opacity:0;transform:translateY(28px);transition:opacity 0.65s cubic-bezier(0.16,1,0.3,1),transform 0.65s cubic-bezier(0.16,1,0.3,1)}.reveal.revealed{opacity:1;transform:translateY(0)}.reveal-delay-1{transition-delay:0.08s}.reveal-delay-2{transition-delay:0.16s}.reveal-delay-3{transition-delay:0.24s}.reveal-delay-4{transition-delay:0.32s}.reveal-delay-5{transition-delay:0.40s}.reveal-delay-6{transition-delay:0.48s}.logo-mark{width:44px;height:44px;transition:transform var(--transition)}.nav-logo:hover .logo-mark{transform:scale(1.05) rotate(-2deg)}.trust-bar{animation:heroSlideUp 0.6s cubic-bezier(0.16,1,0.3,1) 0.85s both}@media print{.nav,.footer,.cta-band,.nav-toggle{display:none}body{background:white;color:black}a{color:black;text-decoration:underline}}@media (prefers-reduced-motion:reduce){*,*::before,*::after{animation-duration:0.01ms !important;animation-iteration-count:1 !important;transition-duration:0.01ms !important}html{scroll-behavior:auto}}