:root{
  --navy:#0A2540; --cool:#0E7CA8; --cool-d:#0B6286; --warm:#F4892F; --warm-d:#D9711B;
  --ice:#E8F4FA; --paper:#F6F9FB; --slate:#5B7186; --line:#E2E8F0; --white:#fff;
  --maxw:1140px; --r:14px; --r-sm:10px;
  --font:"Poppins",system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--font);color:var(--navy);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
h1,h2,h3{line-height:1.15;margin:0 0 .4em;font-weight:600}
h1{font-size:clamp(2rem,4.4vw,3.1rem);letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,2.8vw,2.1rem)}
h3{font-size:1.15rem}
p{margin:0 0 1rem}
a{color:inherit;text-decoration:none}
img,svg{max-width:100%}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:600;color:var(--cool);margin-bottom:.5rem}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.btn{display:inline-flex;align-items:center;gap:8px;font-weight:600;font-size:1rem;padding:13px 22px;border-radius:var(--r-sm);border:1.5px solid transparent;cursor:pointer;transition:.15s ease;white-space:nowrap}
.btn-primary{background:var(--cool);color:#fff}
.btn-primary:hover{background:var(--cool-d)}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--cool)}
.btn-ghost-light{background:transparent;color:#fff;border-color:rgba(255,255,255,.4)}
.btn-ghost-light:hover{border-color:#fff}
.btn-phone{background:var(--warm);color:#fff;padding:10px 16px;font-size:.95rem}
.btn-phone:hover{background:var(--warm-d)}
.btn-block{width:100%;justify-content:center}
.phone-ico{font-size:1.05em}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:saturate(150%) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:24px;padding-top:12px;padding-bottom:12px}
.logo{display:inline-flex;align-items:center;gap:10px}
.mark{width:34px;height:34px}
.logotype{font-weight:600;font-size:1.45rem;color:var(--navy);letter-spacing:-.01em}
.logotype.light{color:#fff}
.nav{display:flex;gap:26px;margin-left:8px}
.nav a{color:var(--slate);font-weight:500;font-size:.95rem}
.nav a:hover{color:var(--navy)}
.header-inner .btn-phone{margin-left:auto}
.menu-toggle{display:none;margin-left:auto;background:none;border:0;flex-direction:column;gap:5px;cursor:pointer;padding:6px}
.menu-toggle span{width:24px;height:2px;background:var(--navy);display:block}
.mobile-nav{display:none;flex-direction:column;gap:4px;padding:8px 24px 18px;border-bottom:1px solid var(--line);background:#fff}
.mobile-nav a{padding:10px 0;color:var(--navy);font-weight:500;border-bottom:1px solid var(--line)}
.mobile-nav .btn-phone{margin-top:10px;justify-content:center}
.mobile-nav.open{display:flex}
.hero{background:linear-gradient(180deg,var(--ice),#fff);padding:56px 0 64px}
.hero-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:48px;align-items:center}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid #cfe6f1;color:var(--cool-d);font-weight:500;font-size:.85rem;padding:7px 14px;border-radius:30px;margin-bottom:18px}
.stars{color:var(--warm)}
.lede{font-size:1.12rem;color:#3c526a;max-width:34em;margin-bottom:24px}
.hero-cta{display:flex;gap:12px;flex-wrap:wrap}
.trust-row{display:flex;flex-wrap:wrap;gap:18px 26px;list-style:none;padding:0;margin:26px 0 0;color:#3c526a;font-size:.92rem;font-weight:500}
.trust-row li{display:flex;align-items:center;gap:8px}
.trust-row .ti{color:var(--cool)}
.quote-card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:0 18px 40px -24px rgba(10,37,64,.35)}
.quote-card h2{font-size:1.3rem;margin-bottom:2px}
.quote-sub{color:var(--slate);font-size:.92rem;margin-bottom:18px}
#lead-form label{display:block;font-size:.85rem;font-weight:500;color:var(--navy);margin-bottom:12px}
#lead-form input,#lead-form select{width:100%;margin-top:5px;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r-sm);font:inherit;font-size:.95rem;color:var(--navy);background:#fff}
#lead-form input:focus,#lead-form select:focus{outline:none;border-color:var(--cool);box-shadow:0 0 0 3px rgba(14,124,168,.15)}
.form-note{font-size:.82rem;color:var(--slate);margin:12px 0 0;text-align:center}
.form-note a{color:var(--cool);font-weight:600}
.form-success{background:var(--ice);color:var(--cool-d);padding:14px;border-radius:var(--r-sm);font-weight:500;text-align:center;margin-top:16px}
section{padding:64px 0}
.services,.process,.area{background:var(--paper)}
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:28px}
.svc{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;transition:.15s ease}
.svc:hover{border-color:var(--cool);transform:translateY(-2px);box-shadow:0 16px 32px -22px rgba(10,37,64,.4)}
.svc-ico{font-size:1.6rem;display:block;margin-bottom:10px}
.svc h3{margin-bottom:6px}
.svc p{color:var(--slate);font-size:.95rem;margin-bottom:12px}
.svc .more{color:var(--cool);font-weight:600;font-size:.9rem}
.svc.featured{border-color:var(--cool);box-shadow:0 0 0 1px var(--cool) inset}
.value{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
a.value{transition:.15s ease}
a.value:hover{border-color:var(--cool);transform:translateY(-2px)}
.v-ico{font-size:1.5rem;display:block;margin-bottom:10px;color:var(--cool)}
.value p{color:var(--slate);font-size:.95rem;margin:0}
.brands{background:#fff}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:24px 0 18px}
.chips li{background:var(--ice);color:var(--navy);font-weight:500;padding:9px 16px;border-radius:30px;font-size:.95rem}
.disclaimer{color:var(--slate);font-size:.82rem;max-width:60em}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;list-style:none;padding:0;margin:28px 0 0;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.step-n{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;font-weight:600;margin-bottom:12px}
.steps p{color:var(--slate);font-size:.95rem;margin:0}
.finance{background:var(--navy);color:#fff}
.finance-inner{display:flex;align-items:center;justify-content:space-between;gap:28px;flex-wrap:wrap}
.finance h2{color:#fff;margin-bottom:.2em}
.finance p{color:#b9c8d6;margin:0}
.reviews{background:#fff}
.review{background:var(--paper);border:1px solid var(--line);border-left:3px solid var(--warm);border-radius:var(--r);padding:24px;margin:0}
.review p{font-style:italic;color:var(--navy)}
.review cite{color:var(--slate);font-size:.9rem;font-style:normal;font-weight:500}
.area-counties{font-weight:600;color:var(--cool-d);font-size:1.05rem}
.towns{display:flex;flex-wrap:wrap;gap:8px 10px;list-style:none;padding:0;margin:18px 0 0}
.towns li{color:var(--slate);font-size:.92rem;background:#fff;border:1px solid var(--line);padding:6px 12px;border-radius:8px}
.cta-band{background:linear-gradient(120deg,var(--cool),var(--navy));color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-inner p{color:#d7e6ef;margin-bottom:22px}
.cta-inner .hero-cta{justify-content:center}
.site-footer{background:var(--navy);color:#c2d0dd;padding:54px 0 26px}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:30px}
.footer-brand .tagline{color:#fff;font-weight:600;margin:12px 0 4px}
.footer-brand .foot-note{font-size:.9rem;color:#9fb1c2}
.site-footer h3{color:#fff;font-size:.95rem;margin-bottom:12px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:9px;font-size:.92rem}
.site-footer a:hover{color:#fff}
.footer-legal{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:18px;font-size:.8rem;color:#8ea1b3}
@media(max-width:880px){
  .nav{display:none}
  .header-inner .btn-phone{margin-left:auto}
  .menu-toggle{display:flex}
  .hero-grid{grid-template-columns:1fr;gap:32px}
  .quote-card{order:2}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:560px){
  section{padding:48px 0}
  .header-inner .btn-phone{display:none}
  .footer-grid{grid-template-columns:1fr}
  .finance-inner{flex-direction:column;align-items:flex-start}
}
.crumbs{background:var(--paper);font-size:.85rem;color:var(--slate);padding:12px 0;border-bottom:1px solid var(--line)}
.crumbs a{color:var(--cool-d)}
.crumbs span{margin:0 6px;color:var(--slate)}
.tag{display:inline-block;background:var(--warm);color:#fff;font-size:.6rem;font-weight:600;padding:2px 8px;border-radius:20px;vertical-align:middle;margin-left:6px;text-transform:uppercase;letter-spacing:.04em}
.faq{background:#fff}
.faq-list{max-width:780px;margin-top:24px}
.faq details{border:1px solid var(--line);border-radius:var(--r-sm);margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;padding:16px 44px 16px 18px;font-weight:600;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:18px;top:15px;color:var(--cool);font-weight:600;font-size:1.2rem}
.faq details[open] summary::after{content:"\2013"}
.faq details p{padding:0 18px 16px;color:var(--slate);margin:0}
.nav-item{position:relative;display:inline-flex;align-items:center}
.nav-item>a{display:inline-flex;align-items:center;gap:5px}
.nav-item .caret{font-size:.6em;opacity:.6}
.nav-item:hover::after{content:"";position:absolute;top:100%;left:0;right:0;height:10px}
.dd{position:absolute;top:calc(100% + 8px);left:0;min-width:215px;background:#fff;border:1px solid var(--line);border-radius:var(--r-sm);box-shadow:0 18px 40px -20px rgba(10,37,64,.45);padding:8px;display:none;z-index:60}
.nav-item:hover .dd,.nav-item:focus-within .dd{display:block}
.dd a{display:block;padding:9px 12px;border-radius:8px;color:var(--navy);font-size:.92rem;font-weight:500}
.dd a:hover{background:var(--ice);color:var(--cool-d)}
.mobile-nav a.sub{padding-left:20px;font-weight:400;font-size:.92rem;color:var(--slate);border-bottom:1px solid var(--line)}