:root{
  --navy:#1b3a6b;--navy-2:#2c5282;--deep:#0f2444;--pale:#f0f4fb;--light:#e8eef7;
  --accent:#aaccff;--green:#1a6b3a;--green-pale:#e8f7ee;--red:#8b1a1a;--amber:#7a5c00;
  --ink:#1a1a1a;--muted:#536174;--white:#fff;--line:#dbe4f1;--radius:14px;
  --shadow:0 14px 38px rgba(15,36,68,.10);--max:1180px;--header:82px
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:calc(var(--header) + 18px)}
body{margin:0;color:var(--ink);font-family:"Segoe UI",Arial,sans-serif;font-size:17px;line-height:1.65;background:#fff}
body.menu-open{overflow:hidden}
img{display:block;max-width:100%;height:auto}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--navy-2)}
button,input,textarea,select{font:inherit}
button{cursor:pointer}
:focus-visible{outline:3px solid #f5c518;outline-offset:3px}
.skip-link{position:absolute;left:12px;top:-80px;background:#fff;color:var(--deep);padding:12px 16px;z-index:9999;border-radius:8px}
.skip-link:focus{top:12px}
.container{width:min(calc(100% - 40px),var(--max));margin-inline:auto}
.narrow{width:min(calc(100% - 40px),780px);margin-inline:auto}
.section{padding:76px 0}.section-sm{padding:50px 0}.section-pale{background:var(--pale)}.section-deep{background:var(--deep);color:#fff}
.eyebrow{margin:0 0 10px;color:var(--navy-2);font-size:.82rem;font-weight:650;letter-spacing:.08em;text-transform:uppercase}
.section-deep .eyebrow,.hero .eyebrow{color:var(--accent)}
h1,h2,h3{line-height:1.15;margin:0 0 .65em;color:var(--deep);font-weight:620;letter-spacing:0}
h1{font-size:clamp(2.35rem,5vw,4.15rem)}h2{font-size:clamp(1.9rem,3.4vw,2.75rem)}h3{font-size:1.32rem}
.section-deep h2,.section-deep h3,.hero h1{color:#fff}
p{margin:0 0 1.05em}.lede{font-size:1.17rem;color:#3f4f64;max-width:68ch}.section-deep .lede,.hero .lede{color:#d7e3f5}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:11px 21px;border:2px solid transparent;border-radius:10px;text-decoration:none;font-weight:640;line-height:1.2;transition:background .18s,border-color .18s,color .18s,transform .18s}
.btn:hover{transform:translateY(-2px)}.btn-primary{background:var(--navy);color:#fff}.btn-primary:hover{background:var(--deep);color:#fff}
.btn-light{background:#fff;color:var(--deep)}.btn-light:hover{background:var(--light);color:var(--deep)}
.btn-outline{border-color:currentColor;color:var(--navy);background:transparent}.section-deep .btn-outline,.hero .btn-outline{color:#fff}
.text-link{display:inline-flex;min-height:44px;align-items:center;font-weight:600}
.actions{display:flex;flex-wrap:wrap;gap:12px;align-items:center}
.site-header{position:sticky;top:0;z-index:1000;background:rgba(15,36,68,.98);color:#fff;box-shadow:0 2px 18px rgba(0,0,0,.14)}
.header-inner{min-height:var(--header);display:grid;grid-template-columns:minmax(0,1fr) auto minmax(0,1fr);align-items:center;gap:20px}
.brand{justify-self:start;display:flex;align-items:center;min-height:54px;text-decoration:none}.brand img{width:166px;height:54px;object-fit:contain;background:#fff;border-radius:8px;padding:5px}
.desktop-nav{justify-self:center}.nav-list{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}.nav-item{position:relative}
.nav-link,.nav-trigger{display:flex;align-items:center;min-height:46px;padding:8px 11px;border:0;background:transparent;color:#e7eef9;text-decoration:none;font-size:.94rem;font-weight:560;border-radius:7px;white-space:nowrap}
.nav-link:hover,.nav-trigger:hover,.nav-link[aria-current="page"]{background:rgba(255,255,255,.12);color:#fff}.nav-link[aria-current="page"]{box-shadow:inset 0 -3px var(--accent)}
.chev{width:15px;height:15px;margin-left:6px;transition:transform .18s}.nav-trigger[aria-expanded="true"] .chev{transform:rotate(180deg)}
.dropdown{display:none;position:absolute;top:100%;left:50%;transform:translateX(-50%);min-width:290px;padding:10px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);list-style:none;margin:0;color:var(--ink)}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown,.nav-trigger[aria-expanded="true"]+.dropdown{display:block}.dropdown a{display:flex;align-items:center;min-height:44px;padding:8px 10px;border-radius:7px;text-decoration:none;font-size:.92rem}.dropdown a:hover{background:var(--pale)}
.header-actions{justify-self:end;display:flex;align-items:center;gap:10px}.header-phone{display:inline-flex;align-items:center;min-height:44px;color:#fff;text-decoration:none;font-weight:600}.header-phone:hover{color:var(--accent)}
.menu-toggle{display:none;width:48px;height:48px;border:1px solid rgba(255,255,255,.4);border-radius:9px;color:#fff;background:transparent;align-items:center;justify-content:center}.menu-toggle svg{width:24px;height:24px}
.mobile-panel{display:none;background:var(--deep);border-top:1px solid rgba(255,255,255,.14);padding:12px 20px 22px;max-height:calc(100svh - var(--header));overflow:auto}.mobile-panel.open{display:block}.mobile-panel a,.mobile-panel button{width:100%;display:flex;align-items:center;justify-content:space-between;min-height:48px;padding:9px 8px;color:#fff;background:none;border:0;text-decoration:none;text-align:left}.mobile-sub{display:none;padding-left:14px}.mobile-sub.open{display:block}.mobile-sub a{color:#d7e3f5;font-size:.94rem}
.hero{background:linear-gradient(110deg,rgba(15,36,68,.98) 0%,rgba(27,58,107,.94) 56%,rgba(15,36,68,.66) 100%),url("../images/houses.webp") center/cover no-repeat;color:#fff;min-height:min(650px,calc(100svh - var(--header) - 10px));display:flex;align-items:center}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.13fr) minmax(310px,.87fr);gap:52px;align-items:center;padding:52px 0}.hero h1{max-width:13ch}.hero-copy p{max-width:62ch}.hero-card{background:rgba(255,255,255,.97);color:var(--ink);padding:28px;border-radius:var(--radius);box-shadow:0 20px 60px rgba(0,0,0,.25)}.hero-card h2{font-size:1.55rem}.hero-checks{list-style:none;margin:20px 0;padding:0}.hero-checks li{position:relative;padding:8px 0 8px 30px}.hero-checks li:before{content:"✓";position:absolute;left:0;top:7px;color:var(--green);font-weight:700}
.trust-strip{background:#fff;border-bottom:1px solid var(--line)}.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line)}.trust-item{background:#fff;padding:22px 18px;text-align:center}.trust-item strong{display:block;color:var(--navy);font-size:1.05rem}.trust-item span{font-size:.86rem;color:var(--muted)}
.internal-hero{background:linear-gradient(125deg,var(--deep),var(--navy-2));color:#fff;padding:42px 0 48px}.internal-hero h1{font-size:clamp(2.1rem,4.4vw,3.5rem);max-width:20ch}.internal-hero .lede{max-width:66ch}.jurisdiction{display:inline-flex;align-items:center;min-height:34px;padding:5px 10px;margin-bottom:14px;background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:999px;color:#fff;font-size:.84rem;font-weight:600}
.breadcrumb{font-size:.88rem;background:#fff;border-bottom:1px solid var(--line)}.breadcrumb ol{display:flex;flex-wrap:wrap;gap:8px;list-style:none;padding:12px 0;margin:0}.breadcrumb li+li:before{content:"/";margin-right:8px;color:#8b98a9}.breadcrumb a{display:inline-flex;min-height:44px;align-items:center}
.grid{display:grid;gap:24px}.grid-2{grid-template-columns:repeat(2,minmax(0,1fr))}.grid-3{grid-template-columns:repeat(3,minmax(0,1fr))}.grid-4{grid-template-columns:repeat(4,minmax(0,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 8px 25px rgba(15,36,68,.06)}.card h3{margin-bottom:.5em}.card p:last-child{margin-bottom:0}.card-icon{width:44px;height:44px;border-radius:10px;display:grid;place-items:center;background:var(--light);color:var(--navy);font-size:1.2rem;font-weight:700;margin-bottom:18px}.card .text-link{margin-top:8px}
.image-card{overflow:hidden;padding:0}.image-card img{width:100%;aspect-ratio:16/10;object-fit:cover}.image-card-body{padding:24px}
.split{display:grid;grid-template-columns:minmax(0,1fr) minmax(330px,.82fr);gap:50px;align-items:center}.split img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--radius);box-shadow:var(--shadow)}
.answer-box{border-left:5px solid var(--navy);background:var(--pale);padding:22px 24px;border-radius:0 12px 12px 0;margin:0 0 28px}.answer-box strong{display:block;color:var(--navy);margin-bottom:6px}
.source-box{background:#f7f9fc;border:1px solid var(--line);border-radius:12px;padding:18px 20px;font-size:.9rem;color:#46566b}.source-box a{overflow-wrap:anywhere}
.process{counter-reset:step}.process-step{position:relative;padding:0 0 32px 74px}.process-step:before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:50px;height:50px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:650}.process-step:not(:last-child):after{content:"";position:absolute;left:24px;top:55px;bottom:5px;width:2px;background:var(--line)}
.pricing-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;max-width:900px;margin:30px auto 0}.price-card{background:#fff;border:2px solid var(--line);border-radius:16px;padding:30px;position:relative}.price-card.featured{border-color:var(--navy);box-shadow:var(--shadow)}.price-label{font-weight:650;color:var(--navy);text-transform:uppercase;letter-spacing:.08em;font-size:.82rem}.price{font-size:2.4rem;line-height:1.1;color:var(--deep);font-weight:650;margin:9px 0}.price-note{color:var(--muted);font-size:.92rem}
.check-list{padding:0;list-style:none}.check-list li{position:relative;padding:8px 0 8px 30px}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:700}.warning-list li:before{content:"!";color:var(--amber)}
.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 280px;gap:48px;align-items:start}.prose{max-width:74ch}.prose h2{margin-top:1.55em}.prose h3{margin-top:1.35em}.prose ul,.prose ol{padding-left:1.25em}.prose li{margin-bottom:.45em}.article-meta{display:flex;gap:16px;flex-wrap:wrap;color:var(--muted);font-size:.9rem;margin-bottom:24px}.toc{position:sticky;top:calc(var(--header) + 20px);background:var(--pale);border:1px solid var(--line);border-radius:12px;padding:20px}.toc strong{display:block;color:var(--deep);margin-bottom:8px}.toc a{display:flex;min-height:40px;align-items:center;font-size:.88rem;text-decoration:none;border-bottom:1px solid var(--line)}
.faq-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px}.faq-grid details{border:1px solid var(--line);border-radius:12px;background:#fff;padding:4px 18px}.faq-grid summary{display:flex;align-items:center;min-height:56px;font-weight:620;color:var(--deep);cursor:pointer}.faq-grid p{padding:0 0 16px;margin:0;color:#415066}
.map-card{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:var(--pale)}.map-panel{min-height:330px;display:grid;place-items:center;padding:28px;text-align:center;background:linear-gradient(135deg,#dfe8f5,#f4f7fb)}.map-panel a{margin-top:10px}
.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:36px;align-items:start}.contact-list{list-style:none;padding:0}.contact-list a{display:flex;min-height:48px;align-items:center;overflow-wrap:anywhere}.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.field{margin-bottom:16px}.field label{display:block;font-weight:600;margin-bottom:6px}.field input,.field textarea,.field select{width:100%;border:1px solid #aebbd0;border-radius:9px;padding:12px;background:#fff}.field textarea{min-height:150px;resize:vertical}.field-hp{position:absolute;left:-10000px}.form-note{font-size:.85rem;color:var(--muted)}
.legal-notice{background:#fff8e1;border:1px solid #e1cf8a;border-radius:10px;padding:16px 18px;color:#554500}
.site-footer{background:var(--deep);color:#c4d2e7;padding:56px 0 24px}.footer-grid{display:grid;grid-template-columns:1.35fr repeat(3,1fr);gap:34px}.footer-logo{width:170px;height:56px;object-fit:contain;background:#fff;border-radius:8px;padding:5px;margin-bottom:16px}.footer-col h2{font-size:1rem;color:#fff;margin-bottom:12px}.footer-col a{display:flex;align-items:center;min-height:42px;color:#c4d2e7;text-decoration:none;font-size:.9rem}.footer-col a:hover{color:#fff}.footer-legal{display:flex;flex-wrap:wrap;align-items:center;gap:8px 20px;border-top:1px solid rgba(255,255,255,.14);margin-top:35px;padding-top:18px;font-size:.82rem}.footer-legal a{color:#c4d2e7;min-height:44px;display:inline-flex;align-items:center}.footer-legal p{margin:0 auto 0 0}
.cookie-bar{position:fixed;z-index:1500;left:16px;right:16px;bottom:16px;background:#fff;border:1px solid var(--line);box-shadow:0 18px 60px rgba(0,0,0,.22);border-radius:12px;padding:15px 18px;display:none;align-items:center;gap:18px}.cookie-bar.show{display:flex}.cookie-bar p{font-size:.86rem;margin:0;flex:1}.cookie-actions{display:flex;gap:8px;flex-wrap:wrap}.cookie-actions button{min-height:44px;padding:8px 14px;border-radius:8px;font-weight:600}.cookie-reject{background:#fff;border:1px solid var(--navy);color:var(--navy)}.cookie-accept{background:var(--navy);border:1px solid var(--navy);color:#fff}
.back-top{position:fixed;right:18px;bottom:18px;width:48px;height:48px;border:0;border-radius:50%;background:var(--navy);color:#fff;box-shadow:var(--shadow);display:none;align-items:center;justify-content:center;z-index:900}.back-top.show{display:flex}.cookie-bar.show~.back-top{bottom:105px}
.tag{display:inline-flex;align-items:center;min-height:32px;padding:4px 10px;border-radius:999px;background:var(--light);color:var(--navy);font-size:.8rem;font-weight:600}
.center{text-align:center}.center .lede{margin-inline:auto}.muted{color:var(--muted)}.mt-0{margin-top:0}.mb-0{margin-bottom:0}
@media(max-width:1080px){.desktop-nav,.header-actions .btn{display:none}.header-inner{grid-template-columns:1fr auto}.header-actions{display:flex}.menu-toggle{display:inline-flex}.hero-grid{grid-template-columns:1fr .78fr;gap:28px}.grid-4{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1.3fr repeat(2,1fr)}}
@media(max-width:820px){:root{--header:72px}.container,.narrow{width:min(calc(100% - 28px),var(--max))}.section{padding:56px 0}.hero{min-height:auto}.hero-grid{grid-template-columns:1fr;padding:42px 0}.hero-card{padding:23px}.hero h1{max-width:15ch}.trust-grid{grid-template-columns:repeat(2,1fr)}.split,.contact-grid,.article-layout{grid-template-columns:1fr}.split img{order:-1}.toc{position:static}.grid-3{grid-template-columns:repeat(2,minmax(0,1fr))}.footer-grid{grid-template-columns:repeat(2,1fr)}.footer-grid>:first-child{grid-column:1/-1}.form-row{grid-template-columns:1fr}}
@media(max-width:620px){body{font-size:16px}.brand img{width:145px;height:48px}.header-phone{font-size:0;width:44px;justify-content:center}.header-phone:before{content:"Call";font-size:.78rem}.header-inner{gap:8px}.hero-grid{padding:34px 0}.hero h1{font-size:2.35rem}.internal-hero{padding:32px 0 38px}.internal-hero h1{font-size:2.15rem}.grid-2,.grid-3,.grid-4,.pricing-grid,.faq-grid{grid-template-columns:1fr}.trust-grid{grid-template-columns:1fr 1fr}.card,.form-card{padding:21px}.footer-grid{grid-template-columns:1fr}.footer-grid>:first-child{grid-column:auto}.footer-legal{display:block}.footer-legal a{margin-right:14px}.actions .btn{width:100%}.cookie-bar{left:8px;right:8px;bottom:8px;display:none;align-items:stretch;flex-direction:column}.cookie-actions{display:grid;grid-template-columns:1fr 1fr}.back-top{right:12px;bottom:12px}.cookie-bar.show~.back-top{bottom:170px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important;animation:none!important}}