:root{
  --navy:#0b2a6b; --navy-deep:#071d4d; --navy-ink:#0a1733;
  --orange:#f0962a; --orange-deep:#d97c10;
  --paper:#f7f5f0; --white:#ffffff; --line:#e3e0d8;
  --ink:#16213a; --muted:#5a6478;
  --radius:14px; --max:1160px;
  --shadow:0 10px 30px rgba(7,29,77,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Figtree',system-ui,sans-serif;color:var(--ink);background:var(--paper);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{font-family:'DM Serif Display',Georgia,serif;font-weight:400;line-height:1.12;color:var(--navy-ink)}
h1{font-size:clamp(2.3rem,5.4vw,4rem)}
h2{font-size:clamp(1.9rem,3.6vw,2.7rem)}
h3{font-size:1.35rem}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--orange-deep);margin-bottom:14px}
.lead{font-size:1.15rem;color:var(--muted);max-width:620px}
section{padding:88px 0}
.section-head{max-width:680px;margin-bottom:44px}
.section-head p{color:var(--muted);margin-top:12px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:15px 26px;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s,background .15s,box-shadow .15s;font-family:inherit}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--orange);color:var(--navy-ink);box-shadow:0 6px 18px rgba(240,150,42,.35)}
.btn-primary:hover{background:#f5a443}
.btn-ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-outline{border-color:var(--navy);color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(7,29,77,.97);backdrop-filter:blur(8px);color:#fff}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px;gap:20px}
.brand{color:#fff;text-decoration:none;display:flex;flex-direction:column;line-height:1.1}
.brand strong{font-family:'DM Serif Display',serif;font-weight:400;font-size:1.5rem}
.brand strong span{color:var(--orange)}
.brand small{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;opacity:.75}
.nav-links{display:flex;align-items:center;gap:26px;list-style:none}
.nav-links a{color:#fff;text-decoration:none;font-weight:500;font-size:.95rem;opacity:.9}
.nav-links a:hover{opacity:1;color:var(--orange)}
.nav-links .btn{padding:10px 20px;font-size:.92rem}
.nav-links .btn:hover{color:var(--navy-ink)}
.nav-phone{font-weight:700!important}
.menu-toggle{display:none;background:none;border:0;color:#fff;font-size:1.6rem;cursor:pointer;padding:6px}

/* hero */
.hero{background:radial-gradient(120% 90% at 85% 10%,#1a48a8 0%,var(--navy) 45%,var(--navy-deep) 100%);color:#fff;padding:72px 0 0;overflow:hidden;position:relative}
.hero::before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(115deg,transparent 0 120px,rgba(255,255,255,.035) 120px 122px);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:end;position:relative}
.hero h1{color:#fff;margin-bottom:20px}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero .lead{color:rgba(255,255,255,.82);margin-bottom:30px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:22px}
.hero-sub{font-size:.92rem;color:rgba(255,255,255,.7)}
.hero-sub a{color:#fff;font-weight:600}
.hero-text{padding-bottom:72px}
.hero-photo{position:relative;align-self:end}
.hero-photo img{width:100%;max-width:440px;margin-left:auto;border-radius:220px 220px 0 0;border:6px solid rgba(255,255,255,.12);border-bottom:0;aspect-ratio:3/4;object-fit:cover;object-position:center top}
.hero-badge{position:absolute;left:0;bottom:38px;background:#fff;color:var(--navy-ink);border-radius:var(--radius);padding:14px 18px;box-shadow:var(--shadow);font-size:.85rem;line-height:1.35}
.hero-badge strong{display:block;font-size:1.05rem}

/* stats */
.stats{background:var(--white);border-bottom:1px solid var(--line);padding:0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr)}
.stat{padding:30px 22px;border-right:1px solid var(--line)}
.stat:last-child{border-right:0}
.stat strong{display:block;font-family:'DM Serif Display',serif;font-weight:400;font-size:2.1rem;color:var(--navy);line-height:1}
.stat span{font-size:.92rem;color:var(--muted);display:block;margin-top:8px}

/* about */
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.about-copy p{margin-bottom:16px}
.about-copy p:first-of-type{font-size:1.15rem}
.checklist{list-style:none;display:grid;gap:12px;margin-top:22px}
.checklist li{padding-left:32px;position:relative}
.checklist li::before{content:"";position:absolute;left:0;top:5px;width:20px;height:20px;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' stroke='%23071d4d' stroke-width='2.4' fill='none' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.license-card{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.license-card h3{color:#fff;margin-bottom:6px}
.license-card p{color:rgba(255,255,255,.75);font-size:.95rem}
.states{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}
.states span{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);border-radius:999px;padding:8px 16px;font-weight:700;letter-spacing:.05em}
.license-card a{color:var(--orange);font-weight:600}

/* programs */
.programs{background:var(--white)}
.program-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.program{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px;display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.program:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.program .icon{width:46px;height:46px;border-radius:12px;background:var(--navy);display:grid;place-items:center;margin-bottom:18px}
.program .icon svg{width:24px;height:24px;stroke:var(--orange);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.program h3{margin-bottom:10px}
.program p{color:var(--muted);font-size:.97rem;flex:1}
.program .tags{display:flex;flex-wrap:wrap;gap:6px;margin-top:16px}
.program .tags span{font-size:.75rem;font-weight:700;background:#fff;border:1px solid var(--line);color:var(--navy);padding:4px 10px;border-radius:999px}

/* process */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;counter-reset:step}
.step{position:relative;padding-top:58px}
.step::before{counter-increment:step;content:counter(step);position:absolute;top:0;left:0;width:42px;height:42px;border-radius:50%;background:var(--orange);color:var(--navy-ink);font-weight:800;display:grid;place-items:center;font-size:1.1rem}
.step::after{content:"";position:absolute;top:21px;left:54px;right:-10px;height:2px;background:var(--line)}
.step:last-child::after{display:none}
.step h3{margin-bottom:8px;font-size:1.2rem}
.step p{color:var(--muted);font-size:.95rem}
.docs{margin-top:52px;background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:grid;grid-template-columns:1fr 2fr;gap:30px}
.docs ul{columns:2;column-gap:30px;padding-left:18px;color:var(--muted)}
.docs li{margin-bottom:6px;break-inside:avoid}

/* calculator */
.calc-section{background:var(--navy-deep);color:#fff}
.calc-section h2{color:#fff}
.calc-section .section-head p{color:rgba(255,255,255,.7)}
.calc{display:grid;grid-template-columns:1.1fr .9fr;gap:30px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:30px}
.calc-fields{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.calc label{display:block;font-size:.85rem;font-weight:600;color:rgba(255,255,255,.8);margin-bottom:6px}
.calc input,.calc select{width:100%;padding:13px 14px;border-radius:10px;border:1px solid rgba(255,255,255,.2);background:rgba(255,255,255,.07);color:#fff;font:inherit}
.calc select option{color:#000}
.calc input:focus,.calc select:focus{outline:2px solid var(--orange);outline-offset:1px}
.calc-result{background:#fff;color:var(--navy-ink);border-radius:12px;padding:26px;display:flex;flex-direction:column}
.calc-result .big{font-family:'DM Serif Display',serif;font-size:3rem;color:var(--navy);line-height:1;margin:6px 0 18px}
.calc-result dl{display:grid;grid-template-columns:1fr auto;gap:8px 12px;font-size:.95rem;border-top:1px solid var(--line);padding-top:14px;margin-bottom:18px}
.calc-result dt{color:var(--muted)}
.calc-result dd{font-weight:700;text-align:right}
.calc-note{font-size:.78rem;color:var(--muted);margin-top:auto}

/* reviews */
.reviews{background:var(--white)}
.review-cards{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.review-card{border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column;gap:14px;background:var(--paper)}
.review-card .stars{color:var(--orange);font-size:1.3rem;letter-spacing:3px}
.review-card p{color:var(--muted)}
.review-card .btn{align-self:flex-start}

/* agents band */
.agent-band{background:linear-gradient(110deg,var(--orange) 0%,#f5ad55 100%);padding:60px 0}
.agent-band .wrap{display:flex;align-items:center;justify-content:space-between;gap:30px;flex-wrap:wrap}
.agent-band h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.agent-band p{color:var(--navy-ink);max-width:560px;margin-top:8px}

/* faq */
.faq-list{max-width:820px}
.faq-list details{border-bottom:1px solid var(--line);padding:20px 0}
.faq-list summary{cursor:pointer;font-weight:700;font-size:1.08rem;list-style:none;display:flex;justify-content:space-between;gap:20px;color:var(--navy-ink)}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary::after{content:"+";font-size:1.5rem;line-height:1;color:var(--orange-deep);transition:transform .2s}
.faq-list details[open] summary::after{transform:rotate(45deg)}
.faq-list details p{margin-top:12px;color:var(--muted)}

/* contact */
.contact{background:var(--white)}
.contact-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:56px}
.contact-methods{display:grid;gap:14px;margin-top:26px}
.contact-method{display:flex;align-items:center;gap:16px;padding:18px;border:1px solid var(--line);border-radius:var(--radius);text-decoration:none;color:var(--ink);background:var(--paper);transition:border-color .15s}
.contact-method:hover{border-color:var(--orange)}
.contact-method .ic{width:44px;height:44px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex-shrink:0}
.contact-method .ic svg{width:20px;height:20px;stroke:var(--orange);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.contact-method small{display:block;color:var(--muted);font-size:.82rem}
.contact-method strong{font-size:1.02rem}
.form{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:32px;display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form .full{grid-column:1/-1}
.form label{display:block;font-size:.86rem;font-weight:600;margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;padding:13px 14px;border:1px solid #cfcbc1;border-radius:10px;font:inherit;background:#fff;color:var(--ink)}
.form textarea{min-height:110px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--orange);outline-offset:1px;border-color:transparent}
.form .consent{font-size:.78rem;color:var(--muted);display:flex;gap:10px;align-items:flex-start}
.form .consent input{width:auto;margin-top:3px}
.hp{position:absolute;left:-9999px}

/* footer */
.site-footer{background:var(--navy-ink);color:rgba(255,255,255,.75);padding:60px 0 30px;font-size:.9rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;margin-bottom:40px}
.site-footer h4{color:#fff;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.site-footer a{color:rgba(255,255,255,.85);text-decoration:none}
.site-footer a:hover{color:var(--orange)}
.site-footer ul{list-style:none;display:grid;gap:8px}
.disclosure{border-top:1px solid rgba(255,255,255,.12);padding-top:24px;font-size:.78rem;line-height:1.65;display:flex;gap:20px;align-items:flex-start}
.disclosure p{margin-bottom:8px}
.eho{flex-shrink:0;width:54px;color:#fff;text-align:center;font-size:.55rem;font-weight:700;letter-spacing:.04em;line-height:1.15}
.eho svg{width:46px;height:46px;margin:0 auto 4px;display:block}

/* sticky mobile cta */
.mobile-cta{display:none}

/* page hero (subpages) */
.page-hero{background:var(--navy);color:#fff;padding:70px 0 60px}
.page-hero h1{color:#fff;font-size:clamp(2.1rem,4.5vw,3.3rem);margin-bottom:16px}
.page-hero .lead{color:rgba(255,255,255,.8)}
.benefits{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.benefit{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.benefit h3{margin-bottom:8px}
.benefit p{color:var(--muted);font-size:.97rem}

/* reveal */
.reveal{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}}

/* responsive */
@media (max-width:960px){
  .hero-grid,.about-grid,.contact-grid,.calc,.docs{grid-template-columns:1fr}
  .hero-text{padding-bottom:20px}
  .hero-photo img{margin:0 auto;max-width:340px}
  .hero-badge{left:50%;transform:translateX(-150%)}
  .program-grid,.benefits{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr;row-gap:36px}
  .step::after{display:none}
  .stats-grid{grid-template-columns:1fr 1fr}
  .stat:nth-child(2){border-right:0}
  .stat:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
  .review-cards{grid-template-columns:1fr}
}
@media (max-width:820px){
  .menu-toggle{display:block}
  .nav-links{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy-deep);flex-direction:column;align-items:stretch;padding:12px 20px 22px;gap:4px}
  .nav-links.open{display:flex}
  .nav-links a{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.08)}
  .nav-links .btn{margin-top:10px;border-bottom:0}
}
@media (max-width:620px){
  body{font-size:16px}
  .wrap{padding:0 16px}
  section{padding:64px 0}
  .program-grid,.benefits,.steps,.calc-fields,.form{grid-template-columns:1fr}
  .docs ul{columns:1}
  .hero{padding-top:48px}
  .hero-badge{left:16px;transform:none;bottom:24px}
  .hero-ctas .btn{flex:1 1 100%}
  .footer-grid{grid-template-columns:1fr}
  .disclosure{flex-direction:column}
  .mobile-cta{display:grid;grid-template-columns:1fr 1fr;gap:8px;position:fixed;bottom:0;left:0;right:0;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(7,29,77,.97);z-index:60}
  .mobile-cta .btn{padding:12px 10px;font-size:.95rem}
  .site-footer{padding-bottom:90px}
}
@media (max-width:480px){.site-header .brand small{display:none}}
/* reviews: rating + quotes */
.rating-summary{display:flex;align-items:center;gap:22px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:26px 30px;margin-bottom:22px}
.rating-big{font-family:'DM Serif Display',Georgia,serif;font-size:3.6rem;line-height:1;color:var(--orange)}
.rating-summary .stars{color:var(--orange);font-size:1.4rem;letter-spacing:3px}
.rating-summary p{color:rgba(255,255,255,.85);margin-top:4px}
.rating-summary a{color:#fff;font-weight:700}
.rating-summary small{opacity:.6}
.quote-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px;margin-bottom:22px}
.quote{background:var(--paper);border:1px solid var(--line);border-left:4px solid var(--orange);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px}
.quote .stars{color:var(--orange);letter-spacing:2px}
.quote blockquote{font-size:1.08rem;color:var(--ink);line-height:1.55}
.quote figcaption{font-size:.82rem;color:var(--muted);margin-top:auto}
@media (max-width:620px){.quote-grid{grid-template-columns:1fr}.rating-summary{flex-direction:column;align-items:flex-start;gap:8px}}
@media (min-width:961px){.quote-grid{grid-template-columns:repeat(3,1fr)}}
.quote figcaption strong{color:var(--navy-ink);font-weight:700}