:root{--bg:#fbfaf8;--paper:#fff;--ink:#0f2236;--muted:#5a6677;--line:#e4e7ec;--brand:#0b2a45;--brand-d:#05192b;--brand-l:#e9eff5;--accent:#e35c47;--accent-d:#c94632;--accent-l:#fdebe7;--sand:#f4f2ee;--ok:#1f7a55;--r:14px;--sh:0 1px 2px rgba(29,41,40,.05),0 8px 24px rgba(29,41,40,.06);--serif:"Plus Jakarta Sans",system-ui,-apple-system,"Segoe UI",sans-serif;--sans:"Inter",system-ui,-apple-system,"Segoe UI",sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
img{max-width:100%}a{color:var(--brand)}a:hover{color:var(--brand-d)}
h1,h2,h3,.h3{font-family:var(--serif);font-weight:700;line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.2vw,3.1rem)}h2{font-size:clamp(1.45rem,2.4vw,1.9rem);margin-top:.2em}h3,.h3{font-size:1.2rem}
h1 em{font-style:normal;color:var(--accent)}
p{margin:0 0 1em}.small{font-size:.875rem;color:var(--muted)}.lead{font-size:1.15rem;color:#3b4846;max-width:62ch}.lead2{color:var(--muted);max-width:60ch}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}section.wrap{margin-top:56px}
.vh,.hp{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:9;border-radius:8px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
/* header */
.top{position:sticky;top:0;z-index:20;background:rgba(251,248,243,.92);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;gap:28px;height:78px}
.logo{display:inline-flex;align-items:center;gap:8px;text-decoration:none;color:var(--ink);font:500 1.55rem/1 var(--serif);letter-spacing:-.02em}
.logo em{font-style:normal;color:var(--accent)}.mark{width:30px;height:30px}
.nav{display:flex;gap:22px;margin-left:auto}.nav a{color:var(--ink);text-decoration:none;font-size:.95rem}.nav a:hover,.nav a[aria-current]{color:var(--brand)}
.menu{display:none;margin-left:auto;background:none;border:0;padding:10px;cursor:pointer}.menu span{display:block;width:22px;height:2px;background:var(--ink);margin:5px 0}
.mnav{padding:8px 20px 16px;border-top:1px solid var(--line)}.mnav a{display:block;padding:10px 0;color:var(--ink);text-decoration:none;border-bottom:1px solid var(--line)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:6px;background:var(--brand);color:#fff;border:0;border-radius:999px;padding:13px 22px;font:600 .95rem var(--sans);text-decoration:none;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--brand-d);color:#fff}.btn.sm{padding:9px 16px;font-size:.88rem}.btn.full{width:100%}
.btn.ghost{background:transparent;color:var(--brand);box-shadow:inset 0 0 0 1.5px var(--brand)}.btn.ghost:hover{background:var(--brand-l)}
.lnk{font-weight:600;text-decoration:none}.lnk:hover{text-decoration:underline}
/* hero */
.hero{background:linear-gradient(180deg,var(--sand),var(--bg));padding:56px 0 40px;border-bottom:1px solid var(--line)}
.hgrid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:start}
.eyebrow{font:600 .78rem/1 var(--sans);letter-spacing:.1em;text-transform:uppercase;color:var(--accent);margin-bottom:14px}
.hsearch{display:flex;gap:8px;margin:24px 0 16px;max-width:560px}.hsearch input{flex:1;min-width:0;border:1px solid var(--line);background:#fff;border-radius:999px;padding:13px 18px;font:inherit}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chip{background:#fff;border:1px solid var(--line);border-radius:999px;padding:6px 14px;font-size:.88rem;text-decoration:none;color:var(--ink)}.chip:hover{border-color:var(--brand);color:var(--brand)}
.hero .qside{position:static}
/* layout with sidebar */
.layout{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start;padding-top:24px;padding-bottom:24px}
.layout .wrap{max-width:none;padding:0}.layout section.wrap{margin-top:44px}.layout .phead{margin-top:12px}
.qside{position:sticky;top:98px}
.qcard{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:22px;box-shadow:var(--sh)}
.qcard h2{font-size:1.35rem;margin-bottom:.35em}.qk{font:600 .74rem/1 var(--sans);letter-spacing:.09em;text-transform:uppercase;color:var(--brand);background:var(--brand-l);display:inline-block;padding:6px 10px;border-radius:999px;margin-bottom:12px}
.qcard label{font-size:.82rem;margin-bottom:10px}.qcard input,.qcard select,.qcard textarea{padding:9px 11px;font-size:.92rem}
.qtrust{list-style:none;padding:12px 0 0;margin:12px 0 0;border-top:1px solid var(--line);font-size:.82rem;color:var(--muted)}.qtrust li{padding-left:20px;position:relative;margin:4px 0}.qtrust li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}
.mcta{display:none}
/* page head */
.phead{margin-top:36px}.phead .lead{margin-bottom:10px}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;padding:0;margin:0;font-size:.82rem;color:var(--muted)}.crumbs li+li:before{content:"›";margin-right:6px;color:#b5aca0}.crumbs a{color:var(--muted);text-decoration:none}
/* cards */
.agrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:18px}
.layout .agrid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr))}
.acard{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:20px;display:flex;flex-direction:column;gap:6px;transition:box-shadow .15s,border-color .15s}
.acard:hover{box-shadow:var(--sh);border-color:#d8cdbf}.acard p{margin:0;font-size:.93rem;color:#3b4846}
.ah{display:flex;justify-content:space-between;gap:10px;align-items:baseline}.ah h3{margin:0;font-size:1.22rem}.ah h3 a{color:var(--ink);text-decoration:none}.ah h3 a:hover{color:var(--brand)}
.since{font-size:.78rem;color:var(--muted);white-space:nowrap}.loc{font-size:.83rem!important;color:var(--accent)!important;font-weight:600}
.tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:6px}.tag{font-size:.75rem;background:var(--sand);border-radius:6px;padding:3px 8px;color:#4a5552}
.meta{display:flex;flex-wrap:wrap;gap:6px;margin-top:8px}.pill{font-size:.74rem;border:1px solid var(--line);border-radius:999px;padding:3px 9px;color:#4a5552;background:#fff}.pill.ok{border-color:#bcd6c8;background:var(--brand-l);color:var(--ok)}.pill.quiet{color:var(--muted)}
.meta.big .pill{font-size:.82rem;padding:5px 12px}
.acts{display:flex;gap:16px;margin-top:auto;padding-top:10px;flex-wrap:wrap;align-items:center}.out{color:var(--muted)}
.cgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:14px}
.ccard{display:flex;flex-direction:column;gap:4px;background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:18px;text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}.ccard:hover{border-color:var(--brand);box-shadow:var(--sh);color:var(--ink)}
.ccard strong{font:700 1.1rem var(--serif)}.cc{font:600 .72rem var(--sans);color:var(--accent);letter-spacing:.08em}
.band{margin-top:48px}.how{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.how>div{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:22px}.num{display:inline-grid;place-items:center;width:30px;height:30px;border-radius:50%;background:var(--accent-l);color:var(--accent);font-weight:700;margin-bottom:10px}
.sh{display:flex;justify-content:space-between;align-items:baseline;gap:12px;flex-wrap:wrap}
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px}.layout .split{grid-template-columns:1fr}
.ticks,.crosses{list-style:none;padding:0}.ticks li,.crosses li{padding-left:26px;position:relative;margin:8px 0}.ticks li:before{content:"✓";position:absolute;left:0;color:var(--ok);font-weight:700}.crosses li:before{content:"✕";position:absolute;left:2px;color:var(--accent);font-weight:700}
.terms{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:14px}.terms.one{grid-template-columns:1fr}.term{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:18px}.term h3,.term .h3{font-size:1.1rem;margin-bottom:.3em}.term p{margin:0 0 .4em;font-size:.93rem}
.rules{padding-left:18px}.rules li{margin:10px 0}.src{font-size:.78rem;color:var(--muted);white-space:normal}.src a{color:var(--muted)}
.facts{padding-left:18px}.facts li{margin:9px 0}
.svc{list-style:none;padding:0;margin:0}.svc li{padding:10px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column}.svc span{font-size:.84rem;color:var(--muted)}
.side{background:var(--paper);border:1px solid var(--line);border-radius:var(--r);padding:20px}.claim{margin-top:18px;background:var(--sand);border-radius:10px;padding:14px}
/* tables */
.tscroll{overflow-x:auto;border:1px solid var(--line);border-radius:var(--r);background:#fff}
.tbl{width:100%;border-collapse:collapse;font-size:.92rem}.tbl th,.tbl td{text-align:left;padding:11px 14px;border-bottom:1px solid var(--line);vertical-align:top}.tbl th{font-weight:600;background:var(--sand);font-size:.82rem;text-transform:uppercase;letter-spacing:.04em;color:#4a5552}.tbl tr:last-child td{border-bottom:0}
/* filters */
.filters{display:flex;flex-direction:column;gap:12px;margin-bottom:18px}.search input{width:100%;max-width:420px;border:1px solid var(--line);border-radius:999px;padding:11px 16px;font:inherit;background:#fff}
.fbtns{display:flex;flex-wrap:wrap;gap:6px}.fbtns button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:6px 12px;font:500 .84rem var(--sans);cursor:pointer;color:var(--ink)}.fbtns button.on{background:var(--brand);border-color:var(--brand);color:#fff}
.count{margin:0;font-size:.85rem;color:var(--muted)}.note{background:var(--accent-l);border-radius:10px;padding:12px 16px;margin-top:16px;font-size:.92rem}
/* forms */
.inq{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:var(--sh)}
label{display:flex;flex-direction:column;gap:5px;font-size:.88rem;font-weight:500;margin-bottom:12px}.opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;color:var(--ink);border:1px solid #d9cfc2;border-radius:10px;padding:11px 13px;background:#fff;width:100%}input:focus,select:focus,textarea:focus{border-color:var(--brand);outline:2px solid var(--brand-l)}
.g2{display:grid;grid-template-columns:1fr 1fr;gap:12px}.g3{display:grid;grid-template-columns:1fr 1fr 1fr;gap:12px}
.chk{flex-direction:row;align-items:flex-start;gap:10px;font-weight:400;font-size:.84rem;color:#3b4846}.chk input{width:18px;height:18px;margin-top:2px;flex:none;accent-color:var(--brand)}
.fmsg{margin:10px 0 0;font-size:.9rem}.fmsg.ok{color:var(--ok);font-weight:600}.fmsg.err{color:#a4372a}
/* faq + prose */
details.faq{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}details.faq summary{cursor:pointer;font-weight:600}details.faq div{margin-top:8px;color:#3b4846}
.prose{max-width:760px}.prose h2{margin-top:1.4em}.prose li{margin:6px 0}.layout .prose{max-width:none}
/* footer */
.foot{margin-top:72px;background:#1f2b29;color:#cfd6d3;padding:48px 0 24px}.foot a{color:#e9efe9;text-decoration:none;display:block;margin:6px 0;font-size:.92rem}.foot a:hover{text-decoration:underline}
.foot .logo{color:#fff}.foot .small{color:#a9b4b0}.foot h4{font:600 .78rem var(--sans);letter-spacing:.08em;text-transform:uppercase;color:#a9b4b0;margin:0 0 10px}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}.fine{margin-top:28px;padding-top:18px;border-top:1px solid #34413e}.fine2{margin-top:28px}
@media (max-width:1020px){.layout{grid-template-columns:1fr;gap:28px}.qside{position:static}.mcta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:30;background:var(--brand);color:#fff;text-align:center;padding:14px;border-radius:999px;font-weight:600;text-decoration:none;box-shadow:0 8px 24px rgba(0,0,0,.18)}.foot{padding-bottom:80px}}
@media (max-width:900px){.hgrid,.split{grid-template-columns:1fr}.how{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}.nav,.bar>.btn{display:none}.menu{display:block}}
@media (max-width:560px){.wrap{padding:0 16px}.g2,.g3{grid-template-columns:1fr}.hsearch{flex-direction:column}.hero{padding:36px 0 28px}.agrid,.layout .agrid{grid-template-columns:1fr}.inq{padding:20px}.fgrid{grid-template-columns:1fr}}
.hticks{margin-top:28px;color:#3b4846}
/* v2: 2-step form, region menu, global home */
.qf fieldset{border:0;padding:0;margin:0 0 12px}.qf legend{font-size:.82rem;font-weight:500;margin-bottom:6px;padding:0}
.chipset{display:flex;flex-wrap:wrap;gap:6px}.opt-chip{margin:0;display:inline-flex}.opt-chip input{position:absolute;opacity:0;width:1px;height:1px}
.opt-chip span{border:1px solid #d9cfc2;background:#fff;border-radius:999px;padding:7px 12px;font-size:.84rem;font-weight:500;cursor:pointer;transition:all .12s}
.opt-chip input:checked+span{background:var(--brand);border-color:var(--brand);color:#fff}.opt-chip input:focus-visible+span{outline:3px solid var(--accent);outline-offset:2px}
.stp{font:600 .72rem/1 var(--sans);letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin:4px 0 12px;display:flex;align-items:center;gap:10px}
.back{background:none;border:0;color:var(--brand);font:600 .8rem var(--sans);cursor:pointer;padding:0;text-transform:none;letter-spacing:0}
.qf.js .s2{display:none}.qf.js.on2 .s1{display:none}.qf.js.on2 .s2{display:block}.qf:not(.js) .nxt,.qf:not(.js) .back{display:none}
.qcard.big{max-width:640px;margin:0 auto;padding:30px}.inq-wrap{margin-top:12px}
.region{position:relative}.region summary{list-style:none;display:flex;align-items:center;gap:6px;cursor:pointer;font-size:.9rem;padding:7px 10px;border-radius:999px;border:1px solid var(--line);background:#fff}.region summary::-webkit-details-marker{display:none}.region svg{width:16px;height:16px;color:var(--brand)}
.rmenu{position:absolute;right:0;top:calc(100% + 8px);background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--sh);padding:12px;min-width:250px;z-index:40}.rmenu p{margin:2px 8px 8px}
.rmenu a{display:flex;gap:10px;align-items:center;padding:8px;border-radius:8px;color:var(--ink);text-decoration:none;font-size:.92rem}.rmenu a:hover,.rmenu a[aria-current]{background:var(--brand-l)}.rmenu b{font:600 .7rem var(--sans);color:var(--accent);width:28px;letter-spacing:.06em}
.cityband{background:var(--brand);color:#fff;margin-top:0}.cb{display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 24px;padding-top:18px;padding-bottom:18px}
.cb a{color:#fff;text-decoration:none;display:flex;align-items:baseline;gap:6px;font:700 1.05rem var(--serif)}.cb a:hover span{text-decoration:underline}.cb small{font:600 .66rem var(--sans);letter-spacing:.08em;color:#bcd6c8}
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:40px}.stats div{border-left:2px solid var(--accent);padding:4px 0 4px 16px}.stats b{display:block;font:800 2.1rem/1.1 var(--serif);color:var(--brand)}.stats span{font-size:.88rem;color:var(--muted)}
.regions{display:flex;flex-wrap:wrap;gap:6px 18px;align-items:center;margin-top:28px;padding-top:18px;border-top:1px solid #34413e}.regions a{display:inline;margin:0;color:#e9efe9;font-size:.88rem}.regions .small{color:#a9b4b0;margin-right:6px}
.mnav .small{margin:14px 0 2px}
@media (max-width:900px){.region{display:none}.stats{grid-template-columns:1fr 1fr}.cb{justify-content:flex-start}}
.qcard label.opt-chip,label.opt-chip{margin:0}

/* v3: navy + coral brand, logo, ZIP search, stats, cost example */
.logo img{height:52px;width:auto;display:block}.flogo{height:46px;width:auto;margin-bottom:14px}
.btn{background:var(--accent)}.btn:hover{background:var(--accent-d)}.btn.ghost{color:var(--brand);box-shadow:inset 0 0 0 1.5px var(--brand);background:transparent}.btn.ghost:hover{background:var(--brand-l)}
.top .btn.sm{background:var(--brand)}.top .btn.sm:hover{background:var(--brand-d)}
.hero{background:linear-gradient(180deg,#eef3f8,var(--bg))}
.eyebrow{color:var(--accent)}.qk{background:var(--accent-l);color:var(--accent-d)}
.opt-chip input:checked+span{background:var(--brand);border-color:var(--brand)}.fbtns button.on{background:var(--brand);border-color:var(--brand)}
.zs{display:flex;flex-wrap:wrap;gap:8px;margin:22px 0 14px;max-width:580px}.zs input{flex:1;min-width:220px;border:1.5px solid #cfd6df;background:#fff;border-radius:999px;padding:14px 20px;font:inherit;font-size:1.02rem}.zs input:focus{border-color:var(--brand);outline:3px solid var(--brand-l)}
.zs .zmsg{flex-basis:100%;margin:0;min-height:1em}.zs.inl{margin-top:14px}
.stat3{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:8px 0}.stat3>div{background:var(--paper);border:1px solid var(--line);border-radius:12px;padding:14px 16px}.stat3 b{display:block;font:800 1.5rem/1.15 var(--serif);color:var(--brand)}.stat3 span{font-size:.82rem;color:var(--muted)}
.costex{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:18px 20px;margin-top:14px}.costex h3{margin-bottom:.3em}
.tbl.mini td{padding:8px 10px}.tbl.mini td:last-child{text-align:right;font-variant-numeric:tabular-nums;white-space:nowrap}.tbl .tot td{font-weight:700;background:var(--brand-l)}
h3.grp{font-size:1rem;margin:22px 0 10px;color:var(--muted);font-family:var(--sans);font-weight:600}
.maincol>section{margin-top:40px}.maincol>section.phead{margin-top:12px}
.claim{background:var(--sand);border-radius:12px;padding:16px 18px}
.soonh{margin:10px 8px 4px!important}.soon{display:flex;flex-wrap:wrap;gap:6px;padding:0 8px}.soon span{font-size:.8rem;color:var(--muted);border:1px dashed var(--line);border-radius:999px;padding:3px 9px}
.soon2{color:#8fa0b3;font-size:.85rem}
.foot{background:var(--brand)}.fine{border-top-color:#1e3c58}.regions{border-top-color:#1e3c58}
.calc{background:var(--paper);border:1px solid var(--line);border-radius:14px;padding:20px}.calcout{margin-top:14px}
.calcout .big{font:800 2.2rem/1.1 var(--serif);color:var(--brand)}.calcout .warn{background:var(--accent-l);border-radius:10px;padding:10px 14px;margin-top:10px;font-size:.92rem}
.mcta{background:var(--accent)!important}
@media (max-width:560px){.stat3{gap:8px}.stat3>div{padding:10px}.stat3 b{font-size:1.1rem}.stat3 span{font-size:.72rem}.zs input{min-width:0}.logo img{height:42px}}
.mail{font:700 1.05rem var(--serif);color:var(--brand);text-decoration:none;word-break:break-all}.mail:hover{color:var(--accent)}.qhelp{margin:10px 0 0}
.hero-img{margin:22px 0 0;border-radius:16px;overflow:hidden;aspect-ratio:16/7;background:var(--sand)}.hero-img img{width:100%;height:100%;object-fit:cover;display:block}
.side-img{margin:0;border-radius:16px;overflow:hidden;aspect-ratio:4/3}.side-img img{width:100%;height:100%;object-fit:cover;display:block}
.imgsplit{align-items:center}
@media (max-width:560px){.hero-img{aspect-ratio:16/9}}
/* v5: light photo background on the homepage hero */
.hero{background:linear-gradient(90deg,rgba(251,250,248,.97) 0%,rgba(251,250,248,.9) 42%,rgba(238,243,248,.55) 100%),url(/img/drawing-1200.webp) center 35%/cover no-repeat}
@media (max-width:900px){.hero{background:linear-gradient(180deg,rgba(251,250,248,.86),rgba(251,250,248,.96) 55%),url(/img/drawing-640.webp) center top/cover no-repeat}}
@media (max-width:560px){.zs input{flex-basis:100%}.zs .btn{width:100%}}