:root{
  --navy:#10283d;
  --teal:#187469;
  --lime:#d9f47b;
  --gold:#f3b23f;
  --paper:#fbfaf3;
  --white:#fff;
  --ink:#18232d;
  --muted:#60707d;
  --line:#dce5df;
  --shadow:0 24px 60px -38px rgba(16,40,61,.42);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--paper);color:var(--ink);font-family:Verdana,Arial,sans-serif;line-height:1.55}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.header{position:sticky;top:0;z-index:20;display:flex;justify-content:space-between;align-items:center;gap:16px;padding:16px max(18px,calc((100vw - 1160px)/2));background:rgba(251,250,243,.92);border-bottom:1px solid var(--line);backdrop-filter:blur(16px)}
.logo{font-size:24px;font-weight:900;color:var(--navy)}
.logo span{display:inline-block;background:var(--navy);color:#fff;border-radius:8px;padding:8px 10px;margin-right:7px}
.header nav{display:flex;gap:8px}
.header nav a{padding:9px 11px;border-radius:8px;color:var(--navy);font-weight:900;font-size:14px}
.header nav a:hover{background:#fff}
.call,.button{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:8px;background:var(--navy);color:#fff;font-weight:900}
.button.ghost{background:#fff;color:var(--navy)}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.hero{display:grid;grid-template-columns:1fr 380px;gap:34px;align-items:end;padding:70px max(18px,calc((100vw - 1160px)/2)) 54px;background:linear-gradient(135deg,#f8f6e9 0%,#e8f3e9 55%,#dff1ed 100%)}
.intro h1{font-size:clamp(42px,7vw,76px);line-height:1.02;margin:0;color:var(--navy);max-width:820px;letter-spacing:0}
.intro p{max-width:720px;font-size:19px;color:#40515f}
.eyebrow{margin:0 0 10px;color:var(--teal);text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:900}
.panel{background:var(--navy);color:#fff;border-radius:8px;padding:26px;box-shadow:var(--shadow)}
.panel h2{font-size:28px;margin:0 0 6px}
.panel p{color:rgba(255,255,255,.8)}
.panel ol{margin:18px 0 0;padding-left:20px}
.panel li{padding:7px 0}
.bar{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.bar span{background:#fff;padding:18px;text-align:center;font-weight:900;color:var(--navy)}
.content{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:30px;padding:72px max(18px,calc((100vw - 1160px)/2))}
.main-copy h2,.deep h2,.process h2,.faq h2,.disclaimer h2,.providers h2,.states h2{font-size:clamp(31px,4vw,50px);line-height:1.08;color:var(--navy);margin:0 0 12px}
.main-copy>p{color:var(--muted);font-size:18px;max-width:760px}
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:28px}
.cards article,.deep-grid article,.process article,.disclaimer,.side-call{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;box-shadow:0 16px 34px -30px rgba(16,40,61,.38)}
.cards h3{font-size:23px;margin:0 0 7px;color:var(--teal)}
.cards p,.deep-grid p,.process p,.faq p,.disclaimer p,.side-call p{color:var(--muted)}
.side-call{align-self:start;position:sticky;top:92px}
.side-call img{height:190px;width:100%;object-fit:cover;border-radius:8px;margin-bottom:18px}
.side-call h2{margin:0;color:var(--navy)}
.wide{width:100%}
.providers{padding:72px max(18px,calc((100vw - 1160px)/2));background:#fff;text-align:center}
.provider-intro{max-width:820px;margin:0 auto 28px;color:var(--muted)}
.provider-list{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.provider-list span{display:flex;align-items:center;justify-content:center;min-height:62px;border:1px solid var(--line);border-radius:8px;background:#fbfaf3;color:var(--navy);font-weight:900;padding:11px;text-align:center}
.deep{padding:72px max(18px,calc((100vw - 1160px)/2));background:#10283d;color:#fff}
.deep h2{color:#fff}
.deep .eyebrow{color:var(--lime)}
.deep-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:28px}
.deep-grid article{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.16);box-shadow:none}
.deep-grid strong{display:block;color:#fff;font-size:22px}
.deep-grid p{color:rgba(255,255,255,.76)}
.process{padding:72px max(18px,calc((100vw - 1160px)/2));background:#fff}
.process>div{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:26px}
.process span{display:inline-block;color:var(--gold);font-size:13px;font-weight:900;letter-spacing:.12em}
.process h3{margin:8px 0;color:var(--navy);font-size:22px}
.states{padding:64px max(18px,calc((100vw - 1160px)/2));text-align:center;background:#e8f3e9}
.states p{max-width:920px;margin:0 auto;color:#40515f}
.faq{max-width:900px;margin:0 auto;padding:72px 18px}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{cursor:pointer;font-weight:900;color:var(--navy);font-size:18px}
.disclaimer{max-width:1160px;margin:0 auto 70px}
footer{background:var(--navy);color:rgba(255,255,255,.78);padding:32px 18px;text-align:center}
footer a{color:#fff;font-weight:900;margin:0 8px}
.legal{max-width:880px;margin:0 auto;padding:64px 18px}
.legal h1{font-size:48px;color:var(--navy);line-height:1.05}
.legal h2{color:var(--navy);margin-top:30px}
.legal p{color:var(--muted)}
@media(max-width:900px){
  .hero,.content{grid-template-columns:1fr}
  .bar,.deep-grid,.process>div,.provider-list{grid-template-columns:1fr 1fr}
  .side-call{position:static}
  .header nav{display:none}
}
@media(max-width:600px){
  .header{align-items:flex-start;flex-direction:column}
  .call{width:100%}
  .bar,.cards,.deep-grid,.process>div,.provider-list{grid-template-columns:1fr}
  .intro h1{font-size:39px}
}