:root{
  --navy:#0f2a4a; --navy-2:#173a63; --ink:#1b2735; --muted:#5a6b7d;
  --green:#1f9d55; --green-d:#17804a; --bg:#ffffff; --alt:#f3f6fa; --line:#dfe6ee;
  --r:14px; --gold:#b8964a; --gold-l:#e9dcbc;
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --gauge:linear-gradient(90deg,#d93a2b 0%,#ee7d22 30%,#f2c230 55%,#8cc540 78%,#1f9d55 100%);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px;-webkit-text-size-adjust:100%}
img{max-width:100%;display:block}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy);font-family:var(--serif)}
h3{font-weight:700}
h2{font-size:clamp(1.6rem,4.5vw,2.2rem)}
h3{font-size:1.1rem}
p{margin:0 0 1em}
a{color:var(--navy-2)}
:focus-visible{outline:3px solid #f2b705;outline-offset:3px;border-radius:6px}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px;top:8px}

.topbar{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.4) blur(6px)}
.topbar-in{display:flex;align-items:center;justify-content:space-between;gap:12px;height:62px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:700;font-size:1.02rem;white-space:nowrap;font-family:var(--serif)}
.brand img{border-radius:50%}
.brand b{color:var(--green)}

.btn{display:inline-flex;align-items:center;justify-content:center;text-decoration:none;font-weight:700;border-radius:999px;border:2px solid transparent;transition:background .15s,transform .15s;text-align:center}
.btn:active{transform:scale(.98)}
.btn-lg{padding:16px 28px;font-size:1.05rem;min-height:56px}
.btn-sm{padding:8px 14px;font-size:.85rem}
.btn-green{background:var(--green);color:#fff}
.btn-green:hover{background:var(--green-d)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-outline:hover{background:var(--alt)}

.gauge-line{height:4px;background:var(--gauge)}
.hero{background:#fff;padding:24px 0 28px;text-align:center}
.hero-in{display:grid;gap:8px;justify-items:center}
.hero-art{width:min(80vw,300px)}
.hero-art img{width:100%;height:auto}
.hero h1{font-size:clamp(2.1rem,8vw,3.5rem);letter-spacing:-.01em;margin-bottom:.15em}
.byline{font-family:var(--serif);font-style:italic;color:var(--gold);font-size:1.2rem;margin:0 0 14px}
.byline::before,.byline::after{content:"";display:inline-block;width:28px;height:1px;background:var(--gold);vertical-align:middle;margin:0 10px}
.eyebrow{display:inline-block;color:var(--navy);border:1px solid var(--gold-l);padding:4px 14px;border-radius:999px;font-size:.8rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;margin-bottom:14px}
.lead{font-size:1.1rem;color:var(--muted);max-width:34em;margin-left:auto;margin-right:auto}
.cta{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 22px;justify-content:center}
.trust{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:6px 18px;color:var(--muted);font-size:.95rem;justify-content:center}
.trust li::before{content:"\2713";color:var(--green);font-weight:700;margin-right:6px}

.section{padding:60px 0}
.section.alt{background:var(--alt)}
.section h2::after{content:"";display:block;width:56px;height:2px;background:var(--gold);margin-top:12px}
.start h2::after{margin:12px auto 0}
.kicker{color:var(--green);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:.8rem;margin-bottom:6px}

.cards{display:grid;grid-template-columns:1fr;gap:14px;margin-top:22px}
.card{border:1px solid var(--line);border-radius:var(--r);padding:20px;background:#fff;box-shadow:0 1px 2px rgba(15,42,74,.04)}
.card p{color:var(--muted);margin:0}
.ico{width:38px;height:38px;border-radius:10px;background:#e7f6ee;color:var(--green-d);display:flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:12px}

.steps{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:14px}
.steps li{display:flex;gap:16px;align-items:flex-start;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px}
.steps p{margin:0;color:var(--muted)}
.num{flex:none;width:40px;height:40px;border-radius:50%;background:#fff;color:var(--navy);border:2px solid var(--gold);font-family:var(--serif);display:flex;align-items:center;justify-content:center;font-weight:800}

.why{display:grid;gap:28px}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:8px 0 8px 32px;position:relative;border-bottom:1px solid var(--line)}
.checks li::before{content:"\2713";position:absolute;left:0;top:8px;width:22px;height:22px;border-radius:50%;background:var(--green);color:#fff;font-size:.8rem;display:flex;align-items:center;justify-content:center;font-weight:700}
.stories{border:2px dashed var(--line);border-radius:var(--r);padding:28px;text-align:center;background:var(--alt);align-self:start}
.stories-t{font-weight:700;color:var(--navy);margin:0}
.stories-s{color:var(--muted);margin:0}

.start{background:var(--navy);color:#fff;text-align:center;position:relative}
.start::before{content:"";position:absolute;left:0;right:0;top:0;height:4px;background:var(--gauge)}
.start h2{color:#fff}
.start p{color:#dbe6f3;max-width:34em;margin:0 auto 22px}

.contact{display:grid;gap:12px;margin-top:20px}
.contact-item{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:var(--r);padding:16px 18px;text-decoration:none;color:var(--ink);overflow-wrap:anywhere}
a.contact-item:hover{border-color:var(--green)}
.c-label{font-size:.8rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);font-weight:700}
.c-val{font-size:1.15rem;font-weight:700;color:var(--navy)}

.footer{background:#0b1f37;color:#b9c7d8;padding:36px 0 40px;font-size:.9rem}
.f-brand{color:#fff;font-weight:700;margin-bottom:10px;font-family:var(--serif);font-size:1.05rem}
.footer a{color:#e9dcbc}
.legal{max-width:52em}
.copy{margin:0;color:#8ea2b9}

@media (max-width:400px){
  .brand span{font-size:.92rem}
  .btn-sm{padding:7px 11px;font-size:.8rem}
  .cta .btn{flex:1 1 100%}
}
@media (min-width:700px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps{grid-template-columns:repeat(2,1fr)}
  .contact{grid-template-columns:repeat(2,1fr)}
  .section{padding:84px 0}
}
@media (min-width:1000px){
  .cards{grid-template-columns:repeat(3,1fr)}
  .steps{grid-template-columns:repeat(3,1fr)}
  .steps li{flex-direction:column}
  .why{grid-template-columns:1fr;align-items:start;max-width:820px}
  .hero{text-align:left;padding:56px 0 80px}
  .hero-in{grid-template-columns:420px 1fr;gap:56px;align-items:center;justify-items:start}
  .hero-art{width:420px}
  .lead{margin-left:0}
  .cta,.trust{justify-content:flex-start}
  .byline::before{display:none}
  .byline::after{width:48px}
}

.copy a{white-space:nowrap}

.badges{background:#fff;padding:0 0 4px}
.badges-in{display:grid;gap:12px}
.badge{display:flex;gap:14px;align-items:center;border:1px solid var(--gold-l);border-radius:var(--r);padding:16px 18px;background:linear-gradient(180deg,#fff,#fbf8f0);position:relative;overflow:hidden}
.badge::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gauge)}
.b-ico{flex:none;width:46px;height:46px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.35rem;font-weight:700}
.b-t{font-size:1.15rem;margin:0 0 2px}
.b-s{margin:0;color:var(--ink);font-weight:600}
.section h2.b-t::after{display:none}


.badge{align-items:center}
.guarantee{border:1px solid var(--gold-l);border-radius:var(--r);padding:20px 22px;background:linear-gradient(180deg,#fff,#fbf8f0);position:relative;overflow:hidden}
.guarantee::before{content:"";position:absolute;left:0;top:0;bottom:0;width:4px;background:var(--gauge)}
.g-t{display:flex;align-items:center;gap:12px;font-size:1.3rem;margin:0 0 12px}
.section h2.g-t::after{display:none}
.g-ico{flex:none;width:40px;height:40px;border-radius:50%;background:var(--green);color:#fff;display:flex;align-items:center;justify-content:center;font-size:1.15rem;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Arial,sans-serif;font-weight:700}
.g-list{list-style:none;margin:0;padding:0;display:grid;gap:10px}
.g-list li{position:relative;padding-left:22px;color:var(--ink);font-size:1rem;line-height:1.55;font-weight:500}
.g-list li::before{content:"";position:absolute;left:4px;top:.62em;width:8px;height:8px;border-radius:50%;background:var(--navy)}
@media (min-width:700px){.badges-in{grid-template-columns:2fr 1fr;align-items:stretch}.badges{padding-bottom:8px}.badge{flex-direction:column;justify-content:center;align-items:flex-start;text-align:left}}

.gauge-anim{width:100%;max-width:440px;margin:0 auto}.gauge-anim svg{width:100%;height:auto;display:block}