:root{--navy:#0d1b3e;--navy2:#162a5c;--gold:#f2b632;--gold2:#ffd36b;--ink:#14213d;--muted:#5a6478;--bg:#f6f4ee;--line:#d9dbe3;--err:#b3261e;--bar:64px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-bottom:var(--bar)}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5;padding-bottom:calc(var(--bar) + env(safe-area-inset-bottom))}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:560px;margin:0 auto;padding:0 16px}
.hero{position:relative;overflow:hidden;background:radial-gradient(120% 90% at 50% 0%,#22397a 0%,var(--navy) 60%);color:#fff;padding:22px 0 0}
.stars{display:none}
.hero-grid{position:relative}
.hero-copy{text-align:center}
.brand{display:flex;align-items:center;justify-content:center;gap:10px;margin-bottom:12px}
.logo{width:56px;height:56px;border-radius:50%;background:#fff;border:2px solid var(--gold);object-fit:cover;box-shadow:0 4px 14px rgba(0,0,0,.3)}
.tagline{margin:0;color:var(--gold2);font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.8rem}
h1{margin:0 0 8px;font-size:1.7rem;line-height:1.18;font-weight:800;letter-spacing:-.01em}
.lede{margin:0 auto 14px;max-width:30em;color:#dfe5f5;font-size:1rem}
.hero-photo{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:16px;border:3px solid rgba(255,255,255,.9);box-shadow:0 10px 30px rgba(0,0,0,.35);margin:0 auto 14px}
.trust{list-style:none;margin:0;padding:0;display:grid;gap:7px;text-align:left;max-width:360px;margin-inline:auto}
.trust li{background:rgba(255,255,255,.08);border:1px solid rgba(242,182,50,.35);border-radius:12px;padding:8px 12px;font-weight:600;font-size:.93rem}
.trust span{color:var(--gold);margin-right:6px}
.hero-form{margin:22px 0 -56px;position:relative}
main{padding-top:76px}
.card{background:#fff;border-radius:18px;padding:22px 18px 20px;box-shadow:0 10px 30px rgba(13,27,62,.18);border-top:5px solid var(--gold);color:var(--ink)}
.card h2{margin:0 0 6px;font-size:1.35rem;color:var(--navy)}
.note{margin:0 0 16px;background:#fff8e6;border:1px solid #f4dc9c;border-radius:10px;padding:10px 12px;font-size:.92rem;color:#5c4710}
.field{margin-bottom:14px}
label{display:block;font-weight:650;font-size:.95rem;margin-bottom:6px;color:var(--navy)}
.req{color:var(--err)}
.opt{font-weight:400;color:var(--muted);font-size:.88rem}
input[type=text],input[type=tel],input[type=email],select{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1.5px solid var(--line);border-radius:12px;background:#fff;color:var(--ink);min-height:48px;appearance:none;-webkit-appearance:none}
.select-wrap{position:relative}
.select-wrap::after{content:"";position:absolute;right:16px;top:50%;width:9px;height:9px;border-right:2px solid var(--navy);border-bottom:2px solid var(--navy);transform:translateY(-70%) rotate(45deg);pointer-events:none}
select{padding-right:40px}
input:focus,select:focus{outline:none;border-color:var(--navy2);box-shadow:0 0 0 3px rgba(242,182,50,.55)}
input[aria-invalid=true]{border-color:var(--err)}
.err{color:var(--err);font-size:.85rem;margin:5px 0 0}
.more{margin:0 0 14px;border:1.5px dashed var(--line);border-radius:12px;padding:0 12px}
.more summary{cursor:pointer;list-style:none;padding:10px 0;font-weight:650;font-size:.95rem;color:var(--navy2);display:flex;align-items:center;gap:8px}
.more summary::-webkit-details-marker{display:none}
.more summary::before{content:"";width:8px;height:8px;border-right:2px solid var(--navy2);border-bottom:2px solid var(--navy2);transform:rotate(-45deg);transition:transform .15s}
.more[open] summary::before{transform:rotate(45deg)}
.more summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:8px}
.more-inner{padding:4px 0 2px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:500;color:var(--ink);cursor:pointer}
.check input{width:22px;height:22px;margin:1px 0 0;flex:none;accent-color:var(--navy)}
.check input:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.btn-primary{width:100%;font:inherit;font-size:1.1rem;font-weight:800;color:var(--navy);background:linear-gradient(180deg,var(--gold2),var(--gold));border:0;border-radius:14px;padding:15px;min-height:54px;cursor:pointer;box-shadow:0 4px 0 #c98f12;margin-top:4px}
.btn-primary:active{transform:translateY(2px);box-shadow:0 2px 0 #c98f12}
.btn-primary:focus-visible{outline:3px solid var(--navy);outline-offset:3px}
.btn-primary[disabled]{opacity:.7;cursor:wait}
.form-status{margin:10px 0 0;font-size:.92rem;text-align:center;color:var(--muted);min-height:1.2em}
.form-status.bad{color:var(--err)}
.thanks{text-align:center;padding:32px 20px}
.thanks:focus{outline:none}
.big-star{font-size:3.4rem;color:var(--gold);line-height:1;animation:pop .6s ease-out}
@keyframes pop{0%{transform:scale(.3) rotate(-30deg);opacity:0}70%{transform:scale(1.15)}100%{transform:scale(1)}}
.thanks h2{margin:10px 0 8px}
.thanks p{color:var(--muted);margin:0 0 16px}
main h2{margin:0 0 12px;font-size:1.25rem;color:var(--navy)}
.steps ol{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.steps li{display:flex;gap:12px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:14px;padding:12px 14px}
.steps .num{flex:none;width:32px;height:32px;border-radius:50%;background:var(--navy);color:var(--gold2);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:1rem}
.steps li div{display:grid;gap:2px}
.steps li strong{color:var(--navy);font-size:1rem}
.steps li span:not(.num){color:var(--muted);font-size:.9rem}
.quote{display:flex;gap:14px;align-items:center;margin:22px 0 0;background:#fff;border-left:5px solid var(--gold);border-radius:14px;padding:14px 16px;box-shadow:0 4px 14px rgba(13,27,62,.06)}
.quote img{width:72px;height:72px;border-radius:50%;object-fit:cover;flex:none;border:2px solid var(--gold)}
.quote blockquote{margin:0}
.quote p{margin:0 0 6px;font-size:.98rem;font-style:italic;color:var(--ink)}
.quote blockquote footer{font-size:.88rem;color:var(--muted);font-weight:600}
.insurance{margin:22px 0 0;text-align:center}
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:8px;justify-content:center}
.chips li{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:6px 14px;font-weight:650;font-size:.9rem;color:var(--navy)}
.insurance p{margin:10px 0 0;color:var(--muted);font-size:.9rem}
.call-box{text-align:center;margin:26px 0 8px}
.call-box p{margin:0 0 8px;color:var(--muted);font-weight:600}
.btn-call{display:inline-flex;align-items:center;justify-content:center;gap:8px;width:100%;max-width:360px;min-height:52px;padding:13px 18px;border-radius:14px;background:var(--navy);color:#fff;font-weight:800;font-size:1.05rem;text-decoration:none;border:2px solid var(--gold)}
.btn-call:focus-visible{outline:3px solid var(--gold);outline-offset:3px}
.site-footer{text-align:center;padding:18px 16px 24px;color:var(--muted);font-size:.9rem}
.site-footer p{margin:4px 0}
.site-footer a{color:var(--navy2)}
.site-footer .small{font-size:.8rem}
.sticky-call{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:8px 12px calc(8px + env(safe-area-inset-bottom));background:rgba(246,244,238,.96);backdrop-filter:blur(6px);border-top:1px solid var(--line);transition:transform .2s ease,opacity .2s ease}
.sticky-call a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:48px;border-radius:14px;background:var(--navy);color:#fff;font-weight:800;font-size:1.02rem;text-decoration:none;border:2px solid var(--gold);max-width:420px;margin:0 auto}
.sticky-call a:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.sticky-call.is-hidden{transform:translateY(110%);opacity:0;pointer-events:none}
@media (min-width:760px){
  body{padding-bottom:0}
  .sticky-call{display:none}
  .wrap{max-width:1080px;padding:0 32px}
  .hero{padding:36px 0 0}
  .hero-grid{display:grid;grid-template-columns:minmax(0,1.05fr) minmax(360px,440px);gap:40px;align-items:start}
  .hero-copy{text-align:left}
  .brand{justify-content:flex-start}
  h1{font-size:2.3rem}
  .lede{margin:0 0 18px;font-size:1.08rem}
  .hero-photo{margin:0 0 16px}
  .hero-copy{padding-bottom:36px}
  .trust{margin-inline:0;max-width:none;display:flex;flex-wrap:wrap;gap:8px}
  .trust li{font-size:.9rem}
  .hero-form{margin:0 0 -64px}
  .card{padding:26px 26px 22px}
  main{padding-top:100px;display:grid;grid-template-columns:1.05fr 1fr;gap:24px 40px;align-items:start}
  .steps{grid-column:1}
  .quote{grid-column:2;grid-row:1;margin:0;align-self:start}
  .insurance{grid-column:1/-1;margin:8px 0 0}
  .call-box{grid-column:1/-1;margin:10px 0 0}
}
@media (prefers-reduced-motion:reduce){.big-star{animation:none}.sticky-call{transition:none}}
.call-box[hidden]{display:none}