*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;max-width:100%;overflow-x:clip}
body{margin:0;font:15px/1.7 Manrope,Arial,sans-serif;color:#18345b;background:#fff;max-width:100%;overflow-x:clip}
img,svg,video,iframe{max-width:100%}
a{color:inherit}
.container{max-width:1160px;margin:auto;padding:0 28px}
.sr-only{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.has-dropdown>button{width:100%}
.skip-link{position:absolute;left:-9999px}.skip-link:focus{left:0;top:0;z-index:999;background:#fff;color:#18345b;padding:10px 14px}
/* Urgency Kit: top bar */
.topbar{background:#142a57;color:#e0ecfa;font-size:12px}
.topbar-in{max-width:1160px;margin:auto;padding:8px 28px;display:flex;justify-content:space-between;align-items:center;gap:14px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:800;text-decoration:none}
.topbar a:hover{text-decoration:underline}
/* masthead + nav */
.masthead{background:#203c80;color:#fff}
.masthead-in,.nav-in{max-width:1160px;margin:auto;padding:12px 28px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.brand{text-decoration:none;font-weight:800;font-size:17px}
.brand span{color:#22bce8}
.masthead-tag{font-size:12px;color:#d7e9ff}
.nav{background:#fff;border-bottom:1px solid #dfe7f2;position:relative;z-index:40}
.nav-in{flex-wrap:wrap}
.nav-list{display:flex;align-items:center;list-style:none;gap:6px;padding:0;margin:0}
.nav-item{position:relative}
.nav-link{display:block;padding:10px 12px;background:none;border:0;color:inherit;text-decoration:none;font:700 12px Manrope,Arial,sans-serif;cursor:pointer}
.nav-link:hover,.nav-link[aria-current="page"]{color:#1681bd}
.dropdown{display:none;position:absolute;top:100%;left:0;min-width:270px;padding:12px;z-index:50;background:#fff;box-shadow:0 12px 28px rgba(0,0,0,.14)}
.dropdown a{display:block;padding:7px;text-decoration:none;font-size:12px}
.dropdown a:hover{background:#eef8fe}
.dropdown.cols{min-width:520px;display:none;grid-template-columns:1fr 1fr;column-gap:8px}
.dropdown .view-all{font-weight:800;color:#1681bd}
.nav-item:hover>.dropdown,.nav-item:focus-within>.dropdown,.nav-item.open>.dropdown{display:block}
.nav-item:hover>.dropdown.cols,.nav-item:focus-within>.dropdown.cols,.nav-item.open>.dropdown.cols{display:grid}
.nav-item:last-child .dropdown{left:auto;right:0}
.nav-phone{text-decoration:none;padding:11px 16px;font-weight:800;white-space:nowrap;background:#27c0e9;color:#07376a}
.nav-toggle{display:none;border:0;background:none;color:inherit;font:700 14px Manrope,Arial,sans-serif;padding:12px;cursor:pointer}
/* buttons */
.btn{display:inline-flex;align-items:center;padding:13px 21px;text-decoration:none;font-weight:800;font-size:13px}
.btn-accent{background:#27c0e9;color:#07376a}
.btn-ghost{background:#253d81;color:#fff}
.btn:hover{filter:brightness(1.07)}
.btn:focus-visible,a:focus-visible,summary:focus-visible,button:focus-visible{outline:3px solid #f2a900;outline-offset:2px}
/* hero */
.hero{position:relative;overflow:hidden;background:linear-gradient(100deg,#eaf7fd 0%,#fff 52%,#d0eefa 100%)}
.hero .container{max-width:1240px;display:grid;grid-template-columns:1fr 1.15fr;gap:14px 40px;align-items:center;min-height:520px;padding-top:55px;padding-bottom:55px}
.hero .container>:not(.hero-photo){grid-column:1}
.hero .hero-photo{grid-column:2;grid-row:1/span 8;margin:0}
.hero-clip{min-height:400px;height:100%;clip-path:polygon(9% 0,100% 0,100% 100%,0 100%);overflow:hidden;background:#d6ecf7}
.hero-clip img{display:block;width:100%;height:100%;min-height:400px;object-fit:cover}
.hero-clip.hero-small{display:flex;align-items:center;justify-content:center}
.hero-clip.hero-small img{width:auto;max-width:100%;height:auto;min-height:0}
.hero-photo figcaption{font-size:12px;color:#4a5a73;margin:8px 0 0;padding-left:9%}
.badge{display:inline-flex;align-items:center;gap:8px;background:#fff;border:1px solid #bfe6f6;color:#145482;font-size:11px;font-weight:800;text-transform:uppercase;letter-spacing:.1em;padding:6px 12px;width:max-content;max-width:100%}
.badge:before{content:"";width:9px;height:9px;border-radius:50%;background:#1aa35b}
.eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.13em;font-weight:800;color:#1681bd;margin:0}
.hero h1{font-size:clamp(36px,4.3vw,56px);line-height:1.12;letter-spacing:-.04em;margin:6px 0 10px;color:#1c4085}
.hero p{font-size:15px;max-width:60ch;margin:0}
.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:14px}
.trust{display:flex;flex-wrap:wrap;gap:8px 18px;list-style:none;padding:0;margin:8px 0 0;font-size:12px;font-weight:700;color:#145482}
.trust li{display:inline-flex;align-items:center;gap:7px}
.trust li:before{content:"\2713";display:inline-grid;place-items:center;width:18px;height:18px;border-radius:50%;background:#27c0e9;color:#07376a;font-size:11px}
.cta-band .trust{color:#d7e9ff}
/* sections */
.section{padding:80px 0;position:relative}
.section h2{font-size:clamp(26px,3vw,38px);line-height:1.2;letter-spacing:-.03em;margin:0 0 22px;text-transform:uppercase}
.section h3{font-size:18px;line-height:1.35}
.section p{max-width:80ch}
.section.center{text-align:center}
.section.center .container{max-width:850px}
.section.center p{margin-left:auto;margin-right:auto}
.band{background:#f5f9fd}
.grid{display:grid;gap:18px}
.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}
.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}
.card{padding:34px 24px 24px;text-align:center;background:#fff;border-radius:100px 100px 18px 18px;border:1px solid #d9eaf4}
.card-img{display:block;height:92px;width:92px;border-radius:50%;object-fit:cover;margin:0 auto 18px;background:#e0f6ff}
.card h3{margin:0 0 8px}
.card a{text-decoration:none}
.card a:hover{text-decoration:underline}
.card p{font-size:13px;margin:0 auto}
.feature{border-left:5px solid #2cb9e7;padding:20px;background:#eef8fe;margin-bottom:16px}
.feature h3{margin:0 0 8px}
.feature p{margin:0}
.prose p{margin:0 0 14px}
.lede{font-size:16px}
.note{border-left:5px solid #f2a900;background:#fff8e6;padding:14px 18px;margin:18px 0;max-width:80ch}
.note strong{display:block;margin-bottom:2px}
.table-wrap{overflow-x:auto;margin:18px 0;max-width:100%}
table{border-collapse:collapse;width:100%;font-size:13px;background:#fff}
th,td{border:1px solid #d9e4ef;padding:10px 12px;text-align:left;vertical-align:top}
th{background:#eaf4fb}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.steps{counter-reset:s;list-style:none;padding:0;margin:0 0 14px;max-width:80ch}
.steps li{counter-increment:s;position:relative;padding:8px 0 8px 44px}
.steps li:before{content:counter(s);position:absolute;left:0;top:6px;width:30px;height:30px;border-radius:50%;background:#253d81;color:#fff;display:grid;place-items:center;font-weight:800;font-size:13px}
.checks{padding-left:20px;max-width:80ch}
.checks li{margin-bottom:6px}
.faq details{padding:16px 20px;margin-bottom:10px;background:#fff;border-bottom:1px solid #d8e5f0}
.faq summary{cursor:pointer;font-weight:700}
.faq details p{margin:10px 0 0}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:0;margin:0 0 14px}
.chips li{background:#eaf4fb;border:1px solid #cfe2f1;padding:4px 10px;font-size:12px;font-weight:700}
.area-cols{columns:2;column-gap:28px}
.area-cols ul{list-style:none;padding:0;margin:0}
.area-cols li{margin-bottom:6px;break-inside:avoid}
.map-frame{width:100%;height:380px;border:0;display:block;background:#eaf4fb}
.map-wrap{margin-top:18px;border:1px solid #cfe2f1}
.map-cap{font-size:12px;margin:0;padding:8px 12px;background:#fff}
/* image slots */
.photo{display:block;margin:28px auto;max-width:100%;text-align:center}
.photo img{display:block;max-width:100%;height:auto;margin:0 auto;border-radius:4px}
.photo img.portrait{width:auto;max-height:520px}
.photo figcaption{font-size:13px;color:#4a5a73;line-height:1.5;margin:8px auto 0;max-width:62ch;text-align:left}
.brand-logo{display:block;height:46px;width:auto;max-width:100%;object-fit:contain}
.site-footer .brand-logo{height:50px}
/* CTA band */
.cta-band{background:#1b4082;color:#fff;padding:56px 0}
.cta-band h2{color:#fff;margin-bottom:12px}
.cta-band p{max-width:70ch;margin:0 0 6px}
.cta-band .hero-actions{margin-top:18px}
.cta-band a:not(.btn){color:#fff}
.cta-band.slim{padding:40px 0}
/* footer */
.site-footer{background:#142a57;color:#e0ecfa;padding:48px 0 30px}
.site-footer h3{color:#50d1f0;font-size:15px;margin:0 0 10px}
.site-footer a{text-decoration:none}
.site-footer a:hover{text-decoration:underline}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px;font-size:13px}
.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:25px}
.footer-grid a{overflow-wrap:anywhere}
.footer-brand p{margin:8px 0;font-size:13px}
.footer-phone{font-weight:800;font-size:18px}
.footer-call{margin-top:26px;padding-top:18px;border-top:1px solid #2c4478;font-size:14px;font-weight:700;display:flex;gap:10px 22px;flex-wrap:wrap;align-items:center}
.footer-call a{color:#fff;text-decoration:underline}
.footer-legal{margin-top:16px;font-size:12px;display:flex;gap:8px 24px;justify-content:space-between;flex-wrap:wrap}
.sticky-cta{display:none}
.crumbs{padding:10px 0;font-size:12px}
@media(max-width:900px){
 .hero .container{grid-template-columns:1fr;min-height:0;padding-top:36px;padding-bottom:36px}
 .hero .container>:not(.hero-photo),.hero .hero-photo{grid-column:auto}
 .hero .hero-photo{grid-row:auto;order:99}
 .hero-clip{min-height:240px;clip-path:none}
 .hero-clip img{min-height:240px;max-height:360px}
 .hero-photo figcaption{padding-left:0}
 .grid-3,.grid-2,.two-col{grid-template-columns:1fr}
}
@media(max-width:800px){
 .nav-in{align-items:center}
 .nav-toggle{display:block;min-height:44px}
 .nav-list{display:none;flex-basis:100%;order:3;flex-direction:column;align-items:stretch;gap:0;max-height:75vh;overflow-y:auto}
 .nav-list.open{display:flex}
 .nav-item{border-top:1px solid #eef2f7}
 .nav-link{padding:14px 12px;font-size:14px;width:100%;text-align:left}
 .dropdown,.dropdown.cols{position:static;min-width:0;box-shadow:none;padding:0 0 8px 12px;display:none}
 .nav-item:hover>.dropdown,.nav-item:focus-within>.dropdown{display:none}
 .nav-item.open>.dropdown{display:block}
 .nav-item.open>.dropdown.cols{display:block}
 .nav-item:last-child .dropdown{right:auto}
 .nav-phone{margin-left:auto}
 .section{padding:52px 0}
 .area-cols{columns:1}
 .footer-grid{grid-template-columns:1fr 1fr}
 .masthead-tag{display:none}
 .sticky-cta{display:block;position:fixed;bottom:0;left:0;right:0;z-index:60;text-align:center;padding:13px;background:#27c0e9}
 .sticky-cta a{text-decoration:none;font-weight:800;color:#07376a;font-size:15px;display:block}
 body{padding-bottom:52px}
}
@media(max-width:520px){.footer-grid{grid-template-columns:1fr}.container,.masthead-in,.nav-in,.topbar-in{padding-left:18px;padding-right:18px}.map-frame{height:300px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
.faq-sec{}
.places{list-style:none;padding:0;margin:14px 0;display:grid;gap:10px}
.places li{border-left:4px solid var(--accent,#f08a24);padding:6px 0 6px 12px;background:#f6fafd}
.places strong{display:block}

/* Stop 8 additions */
.factors{list-style:none;padding:0;margin:10px 0 22px;display:grid;gap:10px}
.factors li{border-left:4px solid #2cb9e7;background:#f6fafd;padding:8px 14px}
.factors strong{display:block}
.pagehead{padding-top:36px}
.pagehead .badge{margin-bottom:10px}
.disc-core{border:2px solid #203c80;background:#eef8fe;padding:16px 20px;margin:18px 0 22px;max-width:80ch}
.disc-core p{margin:0;font-weight:600}
.cov-grid{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.cov-list{margin:0 0 14px;padding-left:22px}
.cov-note{font-size:13px}
.cov-map{overflow-x:auto;border:1px solid #cfe2f1;background:#fff}
.cov-map:focus-visible{outline:3px solid #f2a900;outline-offset:2px}
.cm-svg{display:block;width:100%;min-width:520px;height:auto}
.cm-bg{fill:#f4f9fd}.cm-grid{stroke:#dbe8f2;stroke-width:1}
.cm-lead{stroke:#7aa3c4;stroke-width:1.2}.cm-dot{fill:#7aa3c4}
.cm-c{fill:#203c80;stroke:#fff;stroke-width:2}.cm-pin.t2 .cm-c{fill:#1681bd}
.cm-n{fill:#fff;font:700 13px Manrope,sans-serif}
.cm-hit{fill:transparent}
.cm-pin{cursor:pointer}
.cm-pin:focus-visible .cm-c,.cm-pin:hover .cm-c{stroke:#f2a900;stroke-width:4}
.cm-pin:focus{outline:none}
.cm-hc{fill:#f08a24;stroke:#fff;stroke-width:3}
.cm-hl{fill:#1c4085;font:800 14px Manrope,sans-serif}
@media (max-width:820px){.cov-grid{grid-template-columns:1fr}}
.cov-left,.cov-right{min-width:0}
.cm-pin.t1 .cm-c{fill:#203c80}
.cm-home{pointer-events:none}