/* Brand: navy #0B2A55, orange #FB4F14, white. AA: orange buttons use #111 text (5.6:1); orange text only on navy at >=24px bold (4.22:1, AA large);
   navy/white 14.2:1. Tap targets >= 44px. Display font: Barlow Condensed 800 (SIL OFL 1.1, self-hosted). */
@font-face{font-family:"Barlow Condensed";font-weight:800;font-style:normal;font-display:swap;src:url(/brand/barlow-condensed-latin-800-normal.woff2) format("woff2")}
:root{--navy:#0B2A55;--navy-d:#071d3c;--navy-2:#123a72;--orange:#FB4F14;--ink:#1a2233;--tint:#eef2f8;--disp:"Barlow Condensed","Arial Narrow",Impact,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16px/1.55 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff;padding-bottom:60px;overflow-wrap:anywhere}
img{max-width:100%;height:auto}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
/* buttons */
.btn-o,.btn-ghost,.quote button,.sticky-call{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.7rem 1.3rem;border-radius:6px;font-weight:800;letter-spacing:.02em;text-decoration:none;cursor:pointer}
.btn-o,.quote button,.sticky-call{background:var(--orange);color:#111!important;border:0}
.btn-o:hover,.quote button:hover,.sticky-call:hover{background:#ff6a35}
.btn-ghost{color:#fff!important;border:2px solid #fff;background:rgba(11,42,85,.35)}.btn-ghost:hover{background:#fff;color:var(--navy)!important}
.btn-lg{font-family:var(--disp);font-size:1.35rem;min-height:56px;padding:.6rem 1.6rem;text-transform:uppercase}
/* header */
.site-h{display:flex;align-items:center;gap:1rem;background:var(--navy);padding:0 1rem 0 0;min-height:72px;border-bottom:1px solid rgba(255,255,255,.12)}
.brand{display:flex;align-items:center;gap:.6rem;background:#fff;align-self:stretch;padding:.5rem 2.2rem .5rem 1rem;clip-path:polygon(0 0,100% 0,calc(100% - 26px) 100%,0 100%);text-decoration:none;min-height:44px}
.brand img{height:56px;width:auto;display:block}
.wm{display:flex;flex-direction:column;font-family:var(--disp);font-size:1.45rem;line-height:.95;color:var(--navy);text-transform:uppercase;letter-spacing:.01em}
.wm b{font-weight:800}.wm b+b{border-bottom:4px solid var(--orange);padding-bottom:2px}
.top{display:flex;gap:.25rem;margin-left:auto}.top a{color:#fff;text-decoration:none;font-weight:600;padding:0 .8rem;min-height:44px;display:flex;align-items:center}.top a:hover{text-decoration:underline}
.hdr-call{display:flex;align-items:center;gap:.4rem;color:#fff;text-decoration:none;font-weight:700;min-height:44px;min-width:44px;justify-content:center}
.hdr-cta{white-space:nowrap}
nav.sub{display:flex;overflow-x:auto;gap:.2rem;padding:0 .6rem;background:var(--tint);border-bottom:1px solid #d5deea;scrollbar-width:thin}
nav.sub a{white-space:nowrap;color:var(--navy);font-weight:600;text-decoration:none;padding:0 .6rem;min-height:44px;display:flex;align-items:center}nav.sub a:hover{text-decoration:underline}
/* hero */
.hero{position:relative;color:#fff;background:var(--navy-d);overflow:hidden;isolation:isolate}
.hero-bg img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:50% 50%;z-index:-2}
.hero::before{content:"";position:absolute;inset:0;z-index:-1;background:linear-gradient(90deg,rgba(7,29,60,.94) 0%,rgba(7,29,60,.9) 36%,rgba(7,29,60,.45) 42%,rgba(7,29,60,0) 47%)}
.hero-in{max-width:1240px;margin:auto;padding:3.2rem 1.5rem 3rem;display:grid;grid-template-columns:minmax(0,1.25fr) minmax(300px,360px);gap:2rem;align-items:end;min-height:520px}
.hero h1{font-family:var(--disp);font-weight:800;font-size:clamp(3rem,7.4vw,6.2rem);line-height:.9;margin:0 0 .6rem;letter-spacing:.005em;text-transform:uppercase;color:#fff;text-shadow:0 2px 18px rgba(0,0,0,.35)}
.hero-sub{color:var(--orange);font-weight:800;font-size:clamp(1.5rem,2.4vw,1.75rem);line-height:1.2;margin:0 0 .8rem}
.hero-p{font-size:1.15rem;max-width:30rem;margin:0 0 1.4rem}
.ctas{display:flex;flex-wrap:wrap;gap:.8rem}
.hero-card .quote{margin:0;background:#fff;color:var(--ink);box-shadow:0 12px 40px rgba(0,0,0,.35);border-top:0}
/* trust */
.trust{background:var(--navy);color:#fff;border-top:3px solid var(--orange)}
.trust ul{list-style:none;margin:0 auto;padding:1rem;max-width:1100px;display:flex;justify-content:center;flex-wrap:wrap}
.trust li{display:flex;align-items:center;gap:.7rem;font-weight:700;font-size:1.1rem;padding:.4rem 2rem}
.trust li+li{border-left:1px solid rgba(255,255,255,.35)}
/* content */
main{max-width:880px;margin:auto;padding:1rem 1.1rem}h1,h2,h3{color:var(--navy);line-height:1.15}
main h1{font-family:var(--disp);font-weight:800;text-transform:uppercase;font-size:clamp(2.1rem,6vw,3.2rem);margin:.8rem 0 .6rem}
h2{border-left:5px solid var(--orange);padding-left:.6rem}main a{color:var(--navy-2);font-weight:600}
main li.ll>a{display:inline-block;padding:.6rem 0;min-width:44px}
main p>a.btn-o{margin-top:.4rem}
.quote{display:grid;gap:.7rem;background:var(--tint);padding:1.2rem;border-radius:10px;margin:1.6rem 0;border-top:5px solid var(--orange)}
.quote h2{border:0;padding:0;margin:.1rem 0 .2rem;font-size:1.5rem}
label{display:grid;gap:.2rem;font-size:.9rem;font-weight:600;color:var(--navy)}
.quote input,.quote select,.quote textarea{font:inherit;font-weight:400;padding:.6rem .7rem;min-height:46px;border:1px solid #9aa9bf;border-radius:6px;width:100%;background:#fff;color:var(--ink)}
.quote button{font-size:1.1rem;width:100%}
.consent{display:flex;gap:.6rem;align-items:flex-start;font-size:.82rem;font-weight:400;color:#3a4558;min-height:44px}
.consent input{width:22px!important;height:22px;min-height:0!important;flex:none;margin:.1rem 0 0}
.hp{position:absolute;left:-9999px}
blockquote.hold,mark.hold{background:#fff3cd;color:#5c3d00}blockquote.hold{border-left:4px solid #b7791f;margin:1rem 0;padding:.5rem 1rem}
table{border-collapse:collapse;display:block;overflow-x:auto;max-width:100%}td,th{border:1px solid #ccd;padding:.3rem}
footer{padding:1.4rem 1rem;background:var(--navy);color:#fff;font-size:.92rem;text-align:center;border-top:3px solid var(--orange)}
footer a{color:#fff;display:inline-flex;align-items:center;min-height:44px;min-width:44px;justify-content:center;padding:0 .2rem}.legal{font-size:.8rem;opacity:.9}
.sticky-bar{position:fixed;bottom:0;left:0;right:0;display:flex;z-index:10;box-shadow:0 -2px 8px rgba(0,0,0,.25)}.sticky-bar a{flex:1 1 50%;border-radius:0;font-size:1.02rem;min-height:56px}.sticky-quote{display:inline-flex;align-items:center;justify-content:center;background:var(--navy);color:#fff!important;font-weight:800;text-decoration:none}
.mid-cta{background:#f3f6fb;border-left:4px solid var(--orange);border-radius:8px;padding:1rem 1.2rem;margin:1.6rem 0}.mid-cta .mid-t{font-weight:800;font-size:1.15rem;color:var(--navy);margin:0 0 .3rem}.mid-cta .mid-b{display:flex;flex-wrap:wrap;gap:.6rem;margin:.6rem 0 0}.mid-cta .btn-navy{min-height:48px;display:inline-flex;align-items:center}
/* tablet + phone: stack, card below CTAs */
@media(max-width:1024px){
 .hero-in{grid-template-columns:1fr;min-height:0;padding:2.4rem 1.25rem 2rem;gap:1.6rem}
 .hero::before{background:linear-gradient(180deg,rgba(7,29,60,.35) 0%,rgba(7,29,60,0) 40%)}.hero-copy{background:rgba(7,29,60,.86);padding:1rem 1rem 1.1rem;border-radius:10px}
 .hero-card{max-width:560px;width:100%}
 .top a{padding:0 .5rem}
}
@media(max-width:900px){.top{display:none}.hdr-call{margin-left:auto}}
@media(max-width:767px){
 .hero-bg img{object-position:50% 50%}
 .hero h1{font-size:clamp(2.7rem,14vw,4rem)}
 .ctas a{flex:1 1 100%}
 .trust ul{flex-direction:column;align-items:flex-start;padding:.6rem 1.25rem}
 .trust li{padding:.5rem 0}.trust li+li{border-left:0;border-top:1px solid rgba(255,255,255,.2)}
 .hdr-call span{display:none}.hdr-cta{min-height:44px;padding:.4rem .7rem;font-size:.9rem}
 .site-h{padding-right:.5rem;gap:.4rem;min-height:64px}.brand{padding:.4rem 1.8rem .4rem .7rem}.brand img{height:46px}.wm{font-size:1.2rem}
}
@media(min-width:800px){.sticky-bar{display:none}body{padding-bottom:0}}
.hdr-quote{background:var(--orange);color:#111!important;border-radius:6px;padding:0 .9rem;font-weight:800}@media(min-width:768px){.hdr-quote{display:none}}

.consent-links{font-size:.82rem;color:#3a4558;margin:.2rem 0}.consent-links a{color:var(--navy)}.disclaimer{max-width:60rem;margin:.6rem auto;opacity:1}
/* breadcrumbs + related links (internal-linking-plan) */
.crumbs{max-width:880px;margin:auto;padding:.4rem 1.1rem 0;font-size:.9rem}
.crumbs ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.25rem}
.crumbs li+li::before{content:"›";margin-right:.25rem;color:#667}
.crumbs a{display:inline-block;padding:.65rem .1rem;min-height:44px;box-sizing:border-box}
.related ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:.25rem 1rem}
/* direct answer, last updated, FAQ */
.updated{font-size:.9rem;color:#4a5568;margin:.25rem 0 .75rem}
.direct-answer{font-size:1.08rem;line-height:1.55;border-left:4px solid #FB4F14;background:#f4f7fb;color:#1a202c;padding:.75rem 1rem;margin:0 0 1.25rem}
.faq{margin:2rem 0}.faq h3.faq-q{font-size:1.05rem;margin:1.1rem 0 .3rem;color:#0B2A55}.faq p.faq-a{margin:0 0 .5rem}
.form-call{margin:.25rem 0 .75rem}.form-call a{display:inline-block;min-height:44px;line-height:44px;font-weight:700}

/* ===== Home redesign (scoped to the home page: main.home and the hero card) ===== */
.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.btn-navy{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:.7rem 1.3rem;border-radius:6px;font-weight:800;text-decoration:none;background:var(--navy);color:#fff!important}
.btn-navy:hover{background:var(--navy-2)}
/* compact hero quote card */
.hero-card .quote.compact{gap:.6rem;padding:1.1rem 1.1rem .9rem;border-radius:8px;max-width:340px;margin-left:auto}
.quote.compact h2{font-size:1.35rem;color:var(--navy);margin:0 0 .1rem}
.quote.compact input:not([type=checkbox]){min-height:46px;background:#f6f8fb;border-color:#b4c0d1}
.quote.compact .xstep{display:none;gap:.6rem}
.quote.compact.open .xstep,.quote.compact:focus-within .xstep{display:grid}
.quote.compact .svc{font-size:.85rem}
.quote.compact .consent{font-size:.74rem;line-height:1.4;color:#3a4558}
.quote.compact button{min-height:48px;font-size:1.05rem}
.quote.compact .consent-links{font-size:.74rem;line-height:1.45;color:#3a4558;margin:0}
.quote.compact .consent-links a{color:var(--navy)}
.quote.compact .msg:empty{display:none}
.hero-sub{font-size:clamp(1.25rem,2.2vw,1.6rem)}
.trust li svg{flex:none}
/* home main */
main.home{max-width:none;padding:0}
main.home>.updated,main.home>.direct-answer{max-width:1140px;margin-left:auto;margin-right:auto}
main.home>.updated{padding:1.4rem 1.25rem 0}
main.home>.direct-answer{margin:.4rem auto 0;border-radius:0 8px 8px 0;max-width:calc(1140px - 2.5rem);width:calc(100% - 2.5rem);box-sizing:border-box}
.home .h-sec{max-width:1140px;margin:0 auto;padding:3rem 1.25rem}
.home h2{border:0;padding:0;font-family:var(--disp);font-weight:800;text-transform:uppercase;font-size:clamp(2rem,6vw,2.7rem);line-height:1;color:var(--navy);margin:0 0 1.4rem;letter-spacing:.01em}
.home a{font-weight:700}
.svc-grid{list-style:none;margin:0;padding:0;display:grid;gap:1.1rem;grid-template-columns:1fr}
.svc-card{display:flex;flex-direction:column;height:100%;background:#fff;border-radius:12px;overflow:hidden;text-decoration:none;color:var(--ink)!important;box-shadow:0 6px 22px rgba(11,42,85,.12);transition:transform .15s,box-shadow .15s}
.svc-card:hover{transform:translateY(-3px);box-shadow:0 12px 30px rgba(11,42,85,.18)}
.svc-card img{display:block;width:100%;height:auto;aspect-ratio:4/3;object-fit:cover}
.svc-body{position:relative;display:flex;flex-direction:column;gap:.35rem;padding:1.6rem 1.2rem 1.2rem}
.svc-ico{position:absolute;top:-28px;left:1.1rem;width:52px;height:52px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center;box-shadow:0 4px 12px rgba(0,0,0,.2)}
.svc-t{font-family:var(--disp);font-weight:800;text-transform:uppercase;font-size:1.6rem;line-height:1;color:var(--navy);margin-top:.3rem}
.svc-d{font-weight:400;color:#3a4558}
.svc-more{margin-top:auto;padding-top:.4rem;color:#B93A0E;font-weight:800}
.h-note{margin:1.6rem 0 0;color:#3a4558}
.h-how{background:none}
.home .h-how{max-width:none;background:var(--tint)}
.home .h-how>*{max-width:1140px;margin-left:auto;margin-right:auto}
.steps{list-style:none;margin:0 auto;padding:0;display:grid;gap:1rem;grid-template-columns:1fr}
.steps li{display:grid;grid-template-columns:56px 1fr;column-gap:1rem;align-items:start;background:#fff;border-radius:12px;padding:1.2rem;box-shadow:0 3px 12px rgba(11,42,85,.08)}
.step-ico{grid-row:span 3;width:56px;height:56px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center}
.step-n{font-size:.8rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:#B93A0E}
.step-t{font-weight:800;font-size:1.15rem;color:var(--navy)}
.step-d{color:#3a4558}
.permit-card{display:flex;gap:1.1rem;align-items:flex-start;background:#fff;border:1px solid #d9e1ec;border-left:6px solid var(--orange);border-radius:12px;padding:1.5rem 1.3rem;box-shadow:0 6px 22px rgba(11,42,85,.08)}
.permit-card h2{margin-bottom:.6rem}
.permit-card p{margin:0 0 1rem}
.permit-card p:last-child{margin:0}
.permit-ico{flex:none;width:60px;height:60px;border-radius:50%;background:#fff1eb;display:flex;align-items:center;justify-content:center}
.chips{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.6rem}
.chips a{display:inline-flex;align-items:center;min-height:44px;padding:0 1rem;border-radius:999px;background:var(--tint);color:var(--navy)!important;text-decoration:none;font-weight:700;border:1px solid #d3dcea}
.chips a:hover{background:var(--navy);color:#fff!important}
.chips-sub{margin:1.4rem 0 .6rem;font-weight:800;color:var(--navy)}
.chips-alt a{background:#fff}
.home .h-faq{padding-top:0}
.home .faq{margin:0}
.home .faq h2{font-size:clamp(1.8rem,5vw,2.3rem)}
.cta-band{background:var(--orange);color:#111;padding:2.6rem 1.25rem;display:flex;flex-direction:column;gap:1.2rem;align-items:flex-start}
.cta-band>div{width:100%;max-width:1140px;margin:0 auto}
.cta-t{font-family:var(--disp);font-weight:800;text-transform:uppercase;font-size:clamp(2.2rem,7vw,3.4rem);line-height:.95;margin:0 0 .4rem;color:#111}
.cta-d{margin:0;font-size:1.1rem;color:#111}
.cta-btns{display:flex;flex-wrap:wrap;gap:.8rem 1.4rem;align-items:center}
.cta-btns .btn-navy{font-family:var(--disp);font-size:1.35rem;text-transform:uppercase;min-height:56px}
.cta-call{display:inline-flex;align-items:center;gap:.5rem;min-height:48px;color:#111!important;font-weight:800;font-size:1.25rem;text-decoration:none}
@media(min-width:600px){.svc-grid{grid-template-columns:1fr 1fr}}
@media(min-width:768px){.steps{grid-template-columns:repeat(3,1fr)}.steps li{grid-template-columns:1fr;row-gap:.3rem}.step-ico{grid-row:auto;margin-bottom:.5rem}
 .permit-card{padding:2rem 2.2rem;gap:1.6rem}.permit-ico{width:72px;height:72px}
 .cta-band{flex-direction:row;align-items:center;justify-content:space-between;padding:3rem max(1.25rem,calc((100% - 1140px)/2))}.cta-band>div{margin:0;width:auto}
 .home .h-sec{padding:4rem 1.25rem}}
@media(min-width:1024px){.svc-grid{grid-template-columns:repeat(4,1fr)}}
@media(max-width:767px){.hero-card .quote.compact{max-width:none;margin:0}}

@media(max-width:400px){.hdr-cta{font-size:.82rem;padding:.4rem .55rem}}

.hero-credit{position:absolute;right:.5rem;bottom:.4rem;margin:0;z-index:1;font-size:.72rem;line-height:1.3;color:#fff;background:rgba(7,29,60,.85);padding:.15rem .45rem;border-radius:4px}.hero-credit a{color:#fff}@media(min-width:1025px){.hero-copy{max-width:34vw}.hero h1{font-size:min(5.3vw,5.6rem)}.hero-sub{font-size:min(1.6vw,1.45rem)}}
@media(min-width:1025px){.hero::before{--e:calc(max(0px,(100% - 1240px)/2) + 24px + 34vw);background:linear-gradient(90deg,rgba(7,29,60,.94) 0,rgba(7,29,60,.9) calc(var(--e) + 24px),rgba(7,29,60,.45) calc(var(--e) + 70px),rgba(7,29,60,0) calc(var(--e) + 130px))}}
.svc-art{display:flex;align-items:center;justify-content:center;width:100%;aspect-ratio:4/3;background:var(--navy)}.svc-art svg{width:38%;height:auto}.svc-credit{margin:.6rem 0 0;font-size:.8rem;color:#3a4558}.svc-credit a{color:#0b2a55}
.echeck{background:#f3f6fb;border-radius:10px;padding:1rem 1.2rem;margin:1.4rem 0}.echeck fieldset{border:1px solid #ccd;border-radius:8px;margin:.8rem 0;padding:.6rem .9rem}.echeck label{display:block;margin:.45rem 0;font-weight:600}.echeck input[type=number],.echeck select{display:block;width:100%;max-width:22rem;min-height:44px;font-size:1rem;margin-top:.2rem}.echeck .ck{display:flex;gap:.5rem;align-items:center;min-height:44px}.echeck .ck input{width:22px;height:22px}.echeck button{min-height:48px;background:var(--orange);border:0;border-radius:6px;font-weight:800;padding:.7rem 1.3rem;cursor:pointer}.echeck small{display:block;color:#3a4558}
.ec-res{list-style:none;padding:0}.ec-res li{border-left:4px solid #2f855a;padding:.4rem .7rem;margin:.5rem 0;background:#fff}.ec-res li.no{border-color:#c53030}.ec-sum{font-size:1.1rem}.ec-err{color:#9b2c2c;font-weight:600}
.quote fieldset.step{border:0;padding:0;margin:0 0 .5rem}.quote legend{font-weight:600;margin-bottom:.4rem}.quote .stepn{color:#555;font-weight:400}.quote .opt{font-weight:400;color:#555}.quote .next,.quote .back{min-height:44px}.quote .back{background:transparent;color:inherit;border:1px solid currentColor}
.quote:not(.two) .next,.quote:not(.two) .back{display:none}.quote [hidden]{display:none}
footer .fine{display:block;font-size:.72rem;color:#c9d1de;margin-bottom:.2rem}