:root{
  --blue:#154A8A; --blue-dark:#0F3766; --orange:#F2711C; --orange-dark:#D35F12;
  --ink:#1A2433; --muted:#5C6779; --bg:#FFFFFF; --bg2:#F4F6FA; --line:#E3E7EF;
  --font-h:'Poppins', sans-serif; --font-b:'Inter', sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
html,body{overflow-x:hidden;max-width:100%}
body{margin:0;font-family:var(--font-b);color:var(--ink);background:var(--bg);line-height:1.7}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
h1,h2,h3,h4{font-family:var(--font-h);margin:0 0 .5em;font-weight:700;line-height:1.2}
p{margin:0 0 1em}
ul{margin:0;padding:0;list-style:none}
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--orange);color:#fff;padding:10px 16px;z-index:1000}
.skip-link:focus{left:8px;top:8px}
.visually-hidden{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}
.i{width:20px;height:20px;flex:none}
.section{padding:76px 0}
.section-tight{padding:50px 0}
.bg-alt{background:var(--bg2)}
.bg-blue{background:var(--blue);color:#fff}
.text-center{text-align:center}
.muted{color:var(--muted)}
.eyebrow{display:inline-block;font-size:12.5px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--orange);margin-bottom:10px}
.h2-center{text-align:center;max-width:760px;margin:0 auto}

.btn{display:inline-flex;align-items:center;gap:8px;padding:15px 30px;font-weight:700;font-size:14.5px;border-radius:4px;border:2px solid transparent;cursor:pointer}
.btn-orange{background:var(--orange);color:#fff}
.btn-orange:hover{background:var(--orange-dark)}
.btn-blue{background:var(--blue);color:#fff}
.btn-blue:hover{background:var(--blue-dark)}
.btn-outline-light{border-color:rgba(255,255,255,.6);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.12)}
.btn-outline-blue{border-color:var(--blue);color:var(--blue)}
.btn-lg{padding:17px 34px;font-size:15.5px}
/* Header */
header.site-header{position:sticky;top:0;z-index:60;background:#fff;box-shadow:0 1px 0 var(--line)}
.secondary-bar{background:#0F3766}
.secondary-nav{display:flex;justify-content:flex-end}
.secondary-nav ul{display:flex;gap:22px;align-items:center;margin:0;list-style:none;padding:9px 0}
.secondary-nav a{color:#fff;font-size:11.5px;font-weight:600;letter-spacing:.03em;text-decoration:none;transition:color .2s}
.secondary-nav a:hover{color:var(--orange)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:20px}
.brand img{height:50px;width:auto}
nav.main-nav{margin-left:auto}
nav.main-nav ul{display:flex;gap:22px;align-items:center}
nav.main-nav>ul>li{position:relative}
nav.main-nav a{font-weight:600;font-size:14px;color:var(--ink)}
nav.main-nav>ul:not(.mobile-secondary-nav)>li>a{display:flex;align-items:center;gap:4px}
nav.main-nav a:hover,nav.main-nav a.active{color:var(--orange)}
.sub-menu{display:none;position:absolute;top:100%;left:0;padding-top:12px;z-index:50}
.has-sub:hover .sub-menu,.has-sub:focus-within .sub-menu{display:block}
.sub-menu-inner{background:#fff;min-width:250px;box-shadow:0 18px 40px rgba(15,30,60,.15);border-radius:8px;padding:10px}
.sub-menu a{display:block;padding:10px 12px;border-radius:6px;font-size:13.5px}
.sub-menu a:hover{background:var(--bg2)}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{font-weight:800;font-size:15.5px;color:var(--blue);white-space:nowrap}
.menu-toggle{display:none;background:none;border:0;cursor:pointer;color:var(--blue)}
.nav-close{display:none;background:none;border:0;cursor:pointer;color:var(--blue);position:absolute;top:22px;right:22px;padding:6px}
nav.main-nav ul.mobile-secondary-nav{display:none;list-style:none;margin:18px 0 0;padding:18px 0 0;border-top:1px solid var(--line)}
.mobile-secondary-nav a{font-weight:600;font-size:13.5px;color:var(--muted)}
.nav-backdrop{display:none;position:fixed;inset:0;background:rgba(10,20,40,.45);z-index:65;opacity:0;transition:opacity .25s ease}
.nav-backdrop.open{display:block;opacity:1}
@media(max-width:1040px){
  nav.main-nav{position:fixed;top:0;right:-100%;bottom:0;width:85%;max-width:340px;background:#fff;box-shadow:-6px 0 24px rgba(0,0,0,.15);transition:right .25s ease;padding:90px 26px 26px;overflow-y:auto;z-index:70}
  nav.main-nav.open{right:0}
  nav.main-nav ul{flex-direction:column;align-items:flex-start;gap:6px;width:100%}
  nav.main-nav>ul>li{width:100%}
  .sub-menu{display:block;position:static;padding-top:0;margin-top:6px}
  .sub-menu-inner{box-shadow:none;padding:0 0 0 14px;background:transparent}
  .has-sub .sub-menu{display:none}
  .has-sub.open .sub-menu{display:block}
  .menu-toggle{display:block}
  .nav-close{display:block}
  nav.main-nav ul.mobile-secondary-nav{display:flex;flex-direction:column;gap:14px;width:100%}
  .nav-cta .nav-phone-label{display:none}
  .secondary-bar{display:none}
}
@media(max-width:640px){
  .secondary-nav ul{gap:14px}
  .secondary-nav a{font-size:10.5px}
}

/* Hero */
.hero-video-wrap{position:relative;min-height:540px;display:flex;align-items:center;overflow:hidden;background:#0c1420}
.hero-video-wrap video,.hero-video-wrap .hero-poster{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:1}
.hero-video-wrap::before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(10,20,40,.82),rgba(10,20,40,.55));z-index:2}
.hero-content{position:relative;z-index:3;color:#fff;max-width:760px;padding:70px 0}
.hero-content h1{color:#fff;font-size:clamp(28px,4vw,46px)}
.hero-content .sub{color:#dbe3f0;font-size:17px;max-width:600px}
.loss-selector{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.loss-selector span{display:flex;align-items:center;gap:8px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.3);padding:9px 16px;border-radius:999px;font-size:13.5px;font-weight:600}
.loss-selector svg{color:var(--orange)}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:8px}
@media(max-width:760px){.hero-video-wrap{min-height:460px}}

/* Dual path */
.dual-path{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
.dual-path-card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--orange);border-radius:8px;padding:32px 28px;text-align:center}
.dual-path-card h3{font-size:19px}
.dual-path-card p{color:var(--muted);font-size:14.5px}
@media(max-width:820px){.dual-path{grid-template-columns:1fr}}

/* Process (5-step) */
.process-row{display:grid;grid-template-columns:repeat(5,1fr);gap:18px;margin-top:44px}
.process-card{text-align:center;background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px 18px;position:relative}
.process-card .num{position:absolute;top:-14px;left:50%;transform:translateX(-50%);width:30px;height:30px;border-radius:50%;background:var(--orange);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:13.5px}
.process-card .ico{width:52px;height:52px;border-radius:50%;background:var(--bg2);color:var(--blue);display:flex;align-items:center;justify-content:center;margin:12px auto 16px}
.process-card h3{font-size:16px;margin-bottom:8px}
.process-card p{color:var(--muted);font-size:13.5px;margin-bottom:12px}
.process-card a{color:var(--blue);font-weight:700;font-size:13px}
@media(max-width:980px){.process-row{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.process-row{grid-template-columns:1fr}}

/* Contents-only explainer */
.explainer-box{background:var(--bg2);border-left:4px solid var(--blue);border-radius:0 10px 10px 0;padding:28px 30px;max-width:900px;margin:0 auto}
.explainer-box p{margin:0;font-size:15.5px;color:#25304a}

/* Differentiators */
.diff-row{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:44px}
.diff-card{padding:28px 24px;border-radius:10px;background:#fff;box-shadow:0 10px 30px rgba(15,30,60,.06)}
.diff-card h3{font-size:17px;color:var(--blue)}
.diff-card p{color:var(--muted);font-size:14.5px;margin:0}
@media(max-width:900px){.diff-row{grid-template-columns:1fr}}

/* Trust badges */
.trust-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:40px}
.trust-item{text-align:center;padding:20px}
.trust-item svg{color:var(--orange);margin-bottom:10px}
.trust-item h4{font-size:14.5px;margin-bottom:6px}
.trust-item p{font-size:12.5px;color:var(--muted);margin:0}
@media(max-width:820px){.trust-row{grid-template-columns:1fr 1fr}}

/* Who we help cards */
.help-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:44px}
.help-card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:30px 26px}
.help-card .ico{width:48px;height:48px;border-radius:10px;background:var(--bg2);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.help-card h3{font-size:18px}
.help-card p{color:var(--muted);font-size:14.5px;margin-bottom:14px}
.help-card a{color:var(--orange);font-weight:700;font-size:13.5px}
@media(max-width:820px){.help-grid{grid-template-columns:1fr}}

/* Testimonials */
.testimonial-wrap{background:var(--blue);color:#fff}
.testimonial-grid{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:40px}
.testimonial-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:10px;padding:28px 26px}
.testimonial-card .stars{color:var(--orange);margin-bottom:12px;letter-spacing:2px}
.testimonial-card p.quote{font-size:14.5px;color:#e7ecf7;margin-bottom:14px}
.testimonial-card .who{font-weight:700;font-size:13.5px}
.testimonial-card .who span{display:block;font-weight:400;color:#c7d0e2;font-size:12.5px}
@media(max-width:820px){.testimonial-grid{grid-template-columns:1fr}}

/* Zip checker */
.zip-checker{background:#fff;border-radius:12px;box-shadow:0 20px 50px rgba(15,30,60,.15);padding:30px 28px;max-width:520px;margin:0 auto}
.zip-checker h3{font-size:18px;text-align:center}
.zip-form{display:flex;gap:10px;margin-top:16px}
.zip-form input{flex:1;padding:14px 16px;border:1px solid var(--line);border-radius:6px;font-size:15px;font-family:var(--font-b)}
.zip-result{margin-top:16px;padding:16px 18px;border-radius:8px;font-size:14.5px;display:none}
.zip-result.show{display:block}
.zip-result.yes{background:#e9f6ee;border:1px solid #b9e3c6;color:#1c6b3c}
.zip-result.no{background:#fdecec;border:1px solid #f3c2c2;color:#a02525}
.zip-result b{display:block;margin-bottom:4px;font-size:15px}

/* Locations chips */
.county-block{margin-bottom:44px}
.county-block h2{font-size:24px}
.town-chip-row{display:flex;flex-wrap:wrap;gap:9px;margin-top:16px}
.town-chip{background:var(--bg2);border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:13.5px;font-weight:600;scroll-margin-top:120px}
.town-chip:target,.town-chip.highlight{background:var(--orange);color:#fff;border-color:var(--orange)}

/* Page hero (inner pages) */
.page-hero{position:relative;min-height:260px;display:flex;align-items:center;background-size:cover;background-position:center}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(10,20,40,.86),rgba(10,20,40,.62))}
.page-hero .container{position:relative;z-index:2}
.page-hero h1{color:#fff;font-size:clamp(26px,3.4vw,40px)}
.page-hero p{color:#dbe3f0;font-size:16px;max-width:640px}
.breadcrumb{font-size:12.5px;color:var(--muted);padding:14px 0}
.breadcrumb a{color:var(--muted);text-decoration:underline}

/* Answer box / prose */
.answer-box{background:var(--bg2);border-left:4px solid var(--orange);border-radius:0 8px 8px 0;padding:22px 26px;margin:0 0 32px}
.answer-box p{margin:0;font-size:15.5px;color:#20283a}
.prose{max-width:920px;margin:0 auto}
.prose h2{font-size:25px;margin-top:1.3em}
.prose h2:first-child{margin-top:0}
.prose ul{list-style:disc;padding-left:22px;margin-bottom:1em}
.prose li{margin-bottom:.4em}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px}
@media(max-width:900px){.two-col{grid-template-columns:1fr}}
.chip-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.chip{background:var(--bg2);border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:13.5px;font-weight:600}

/* Specialty items */
.specialty-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:20px}
.specialty-card{background:var(--bg2);border-radius:8px;padding:22px 20px}
.specialty-card h4{font-size:15.5px;margin-bottom:6px}
.specialty-card p{font-size:13.5px;color:var(--muted);margin:0}
@media(max-width:900px){.specialty-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.specialty-grid{grid-template-columns:1fr}}

/* FAQ */
.faq-item{border-bottom:1px solid var(--line);padding:20px 0}
.faq-item summary{cursor:pointer;font-weight:700;font-size:15.5px;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";color:var(--orange);font-size:24px;font-weight:400}
.faq-item[open] summary::after{content:"\2212"}
.faq-item p{margin-top:12px;color:var(--muted);font-size:14.5px}

/* CTA banner */
.cta-banner{background:linear-gradient(120deg,var(--blue),var(--blue-dark));color:#fff;text-align:center;padding:60px 0}
.cta-banner h2{color:#fff}
.cta-banner p{color:#d5deee}

/* Contact form */
.contact-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:52px}
.contact-grid form{display:grid;gap:15px}
.contact-grid label{font-size:13px;font-weight:700;display:block;margin-bottom:5px}
.contact-grid input,.contact-grid textarea,.contact-grid select{width:100%;padding:13px 14px;border:1px solid var(--line);border-radius:6px;font-family:var(--font-b);font-size:15px}
.contact-grid textarea{min-height:110px;resize:vertical}
.sms-optin{display:flex;gap:10px;align-items:flex-start;font-size:12px;color:var(--muted)}
.sms-optin input{width:auto;margin-top:3px}
.info-card{background:var(--bg2);border-radius:10px;padding:28px}
.info-card h3{font-size:16px}
.info-card .row{display:flex;gap:10px;margin-bottom:12px;font-size:14.5px}
.info-card .row svg{flex:none;color:var(--orange);margin-top:2px}
.map-embed{margin-top:20px;border-radius:10px;overflow:hidden;box-shadow:0 10px 30px rgba(0,0,0,.1)}
.map-embed iframe{width:100%;height:300px;display:block;border:0}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}

/* Footer */
footer.site-footer{background:#0F1B2E;color:rgba(255,255,255,.72);padding:56px 0 24px;font-size:14px}
footer.site-footer h4{color:#fff;font-size:15px;margin-bottom:14px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.1fr;gap:32px}
.footer-grid ul li{margin-bottom:8px}
.footer-grid a:hover{text-decoration:underline}
.footer-social{display:flex;gap:12px;margin-top:16px}
.footer-social a{width:36px;height:36px;border-radius:50%;background:rgba(255,255,255,.08);display:flex;align-items:center;justify-content:center;color:#fff}
.footer-social a:hover{background:var(--orange)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:34px;padding-top:18px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:12.5px;color:rgba(255,255,255,.5)}
@media(max-width:820px){.footer-grid{grid-template-columns:1fr 1fr}}

/* Mobile sticky call */
.mobile-call{display:none}
@media(max-width:820px){.mobile-call{display:flex;position:fixed;bottom:16px;right:16px;left:16px;z-index:65;background:var(--orange);color:#fff;padding:15px;border-radius:999px;justify-content:center;align-items:center;gap:8px;font-weight:800;box-shadow:0 10px 26px rgba(0,0,0,.3)}}