:root{--navy:#13294b;--navy2:#1c3a63;--accent:#d11f2d;--accent2:#e0434f;--red:#d11f2d;--blue:#1f4fa0;--gold:#f5a800;--green:#1e9e48;--ink:#1b2330;--muted:#5a6675;--bg:#ffffff;--bg2:#f4f7fb;--line:#e3e9f1;--radius:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
a{color:var(--accent);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;height:auto;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.2;color:var(--navy);font-weight:800;letter-spacing:-.01em}
h1{font-size:2.4rem;margin:.2em 0 .35em}h2{font-size:1.7rem;margin:1.6em 0 .5em}h3{font-size:1.2rem;margin:1.2em 0 .3em}
p{margin:.6em 0}
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:saturate(160%) blur(8px);border-bottom:1px solid var(--line);border-top:4px solid;border-image:linear-gradient(90deg,var(--red),var(--red) 25%,var(--blue) 25%,var(--blue) 50%,var(--gold) 50%,var(--gold) 75%,var(--green) 75%) 1}
.brand img.logo{height:44px;width:auto;display:block}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:66px}
.brand{font-weight:900;color:var(--navy);font-size:1.25rem;letter-spacing:.02em;text-decoration:none}
.brand span{color:var(--accent)}
nav.menu a{color:var(--ink);font-weight:600;font-size:.95rem;margin-left:18px;text-decoration:none}
nav.menu a:hover{color:var(--accent)}
.nav .cta{background:var(--accent);color:#fff;padding:9px 16px;border-radius:10px;font-weight:700;margin-left:18px}
.nav .cta:hover{background:var(--accent2);text-decoration:none}
.navtoggle{display:none}
/* hero with photo */
.hero{position:relative;color:#fff;padding:78px 0 70px;background:var(--navy);overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,rgba(15,39,65,.93) 0%,rgba(15,39,65,.78) 42%,rgba(15,39,65,.45) 100%),url('photos/hero-wide.jpg');background-size:cover;background-position:center}
.hero .wrap{position:relative}
.hero h1{color:#fff;max-width:20ch;text-shadow:0 2px 18px rgba(0,0,0,.25)}
.hero .sub{font-size:1.2rem;color:#eaf1fa;max-width:60ch}
.hero .trust{margin-top:14px;color:#cfe0f3;font-size:.95rem;font-weight:600}
.btnrow{margin-top:26px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;background:var(--accent);color:#fff;padding:14px 24px;border-radius:11px;font-weight:800;font-size:1.02rem}
.btn:hover{background:var(--accent2);text-decoration:none}
.btn.ghost{background:transparent;border:2px solid #ffffff88;color:#fff}
.btn.ghost:hover{border-color:#fff}
.btn.dark{background:var(--navy)}.btn.dark:hover{background:var(--navy2)}
section{padding:18px 0}
.section-pad{padding:40px 0}
.bg2{background:var(--bg2)}
.lead{font-size:1.12rem;color:var(--muted);max-width:65ch}
.callout{background:var(--bg2);border-left:5px solid var(--accent);border-radius:0 var(--radius) var(--radius) 0;padding:20px 24px;margin:22px 0;font-size:1.06rem}
.qa{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:0 var(--radius) var(--radius) 0;padding:16px 22px;margin:18px 0}
.qa b{color:var(--navy);text-transform:uppercase;letter-spacing:.08em;font-size:.8rem}
.grid{display:grid;gap:18px}
.grid.c3{grid-template-columns:repeat(3,1fr)}
.grid.c2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:.15s}
.card:hover{box-shadow:0 8px 26px rgba(15,39,65,.10);transform:translateY(-2px)}
.card h3{margin-top:0}.card .more{font-weight:700}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:var(--accent);margin-bottom:6px}
ul.check{list-style:none;padding:0}
ul.check li{padding:8px 0 8px 30px;position:relative;border-bottom:1px solid var(--line)}
ul.check li:before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:900}
.steps{counter-reset:s}
.step{display:flex;gap:16px;padding:14px 0;border-bottom:1px solid var(--line)}
.step .n{flex:0 0 38px;height:38px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:800}
.citylist{columns:3;column-gap:24px}
.citylist a{display:block;padding:5px 0}
@media(max-width:760px){.citylist{columns:2}}
@media(max-width:480px){.citylist{columns:1}}
.faq dt{font-weight:800;color:var(--navy);margin-top:18px;font-size:1.06rem}
.faq dd{margin:.3em 0 0;color:var(--ink)}
.ctaband{background:linear-gradient(135deg,var(--accent),var(--accent2));color:#fff;border-radius:var(--radius);padding:34px;text-align:center;margin:30px auto}
.login{color:var(--green)!important;font-weight:700;text-decoration:none}
.login:hover{text-decoration:underline}
.btn.green{background:var(--green);color:#fff}.btn.green:hover{background:#19833c}
.ctaband h2{color:#fff;margin-top:0}
.ctaband .btn{background:#fff;color:var(--accent)}.ctaband .btn:hover{background:#f1f1f1}
.crumbs{font-size:.85rem;color:var(--muted);padding:14px 0}
.crumbs a{color:var(--muted)}
/* photos */
figure{margin:0}
.gal{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.gal figure{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);background:#fff;box-shadow:0 4px 16px rgba(15,39,65,.06)}
.gal img{width:100%;aspect-ratio:1/1;object-fit:cover}
.gal figcaption{padding:11px 14px;font-size:.9rem;color:var(--navy);font-weight:700}
.gal figcaption span{display:block;font-weight:500;color:var(--muted);font-size:.82rem}
@media(max-width:820px){.gal{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.gal{grid-template-columns:1fr}}
.photo-frame{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);margin:8px 0 18px}
.photo-frame img{width:100%;max-height:430px;object-fit:cover}
.trustbar{display:flex;flex-wrap:wrap;gap:10px 26px;align-items:center;color:var(--muted);font-weight:700;font-size:.95rem}
.trustbar b{color:var(--navy)}
.brandrow{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.brandrow span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-weight:700;color:var(--navy);font-size:.9rem}
footer{background:var(--navy);color:#cdd9e8;margin-top:40px;padding:40px 0 26px;font-size:.93rem}
footer h4{color:#fff;font-size:.95rem;margin:0 0 10px;text-transform:uppercase;letter-spacing:.08em}
footer a{color:#cdd9e8}footer a:hover{color:#fff}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1.3fr;gap:26px}
.fbrand{font-weight:900;color:#fff;font-size:1.2rem}.fbrand span{color:var(--accent2)}
.fnote{border-top:1px solid #ffffff22;margin-top:26px;padding-top:16px;color:#8ea3bd;font-size:.84rem}
@media(max-width:820px){.grid.c3,.grid.c2,.fgrid{grid-template-columns:1fr}h1{font-size:2rem}nav.menu{display:none}}
@media(max-width:820px){nav.menu.open{display:block;position:absolute;top:66px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:10px 22px}nav.menu.open a{display:block;margin:0;padding:10px 0;border-bottom:1px solid var(--line)}.navtoggle{display:block;background:none;border:0;font-size:1.5rem;color:var(--navy)}}
/* registration form */
#register{scroll-margin-top:80px}
.frm{display:flex;flex-direction:column;gap:14px;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;box-shadow:0 6px 22px rgba(15,39,65,.06)}
.frm>label{font-weight:700;color:var(--navy);font-size:.92rem;display:flex;flex-direction:column;gap:6px}
.frm input[type=text],.frm input[type=email],.frm input[type=tel],.frm textarea{font:inherit;font-weight:400;padding:11px 13px;border:1px solid var(--line);border-radius:10px;background:var(--bg2);color:var(--ink);width:100%}
.frm input:focus,.frm textarea:focus{outline:none;border-color:var(--navy);background:#fff;box-shadow:0 0 0 3px rgba(15,39,65,.12)}
.fgrid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.fgrid2 label{font-weight:700;color:var(--navy);font-size:.92rem;display:flex;flex-direction:column;gap:6px}
@media(max-width:560px){.fgrid2{grid-template-columns:1fr}}
.frow{display:flex;flex-wrap:wrap;gap:10px 18px;align-items:center;padding:4px 0}
.flbl{font-weight:800;color:var(--navy);font-size:.92rem;width:100%}
.ckwrap{display:flex;flex-wrap:wrap;gap:8px 18px}
.ck{display:inline-flex;flex-direction:row;align-items:center;gap:8px;font-weight:600;color:var(--ink);font-size:.95rem}
.ck input{width:17px;height:17px}
.frm button[type=submit]{align-self:flex-start;cursor:pointer;border:0;margin-top:4px}
.fnote2{font-weight:400;color:var(--muted);font-size:.88rem;margin:2px 0 0}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;opacity:0}
/* overview (replaces the old quick-answer box) */
.overview{background:var(--bg2);border-left:5px solid var(--blue);border-radius:0 var(--radius) var(--radius) 0;padding:18px 22px;margin:14px 0;font-size:1.08rem}
.overview p{margin:0}
/* brokerage logo wall */
.brokers{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;align-items:stretch}
.brokerage{background:#fff;border:1px solid var(--line);border-radius:12px;min-height:104px;display:flex;align-items:center;justify-content:center;padding:16px}
.brokerage img{max-height:64px;max-width:100%;width:auto;object-fit:contain;transition:.18s}
.brokerage:hover{box-shadow:0 6px 18px rgba(15,39,65,.10)}
.brokerage:hover img{transform:scale(1.04)}
.brokerage.more{font-weight:800;color:var(--navy);font-size:1.02rem;background:var(--bg2);border-style:dashed}
@media(max-width:820px){.brokers{grid-template-columns:repeat(3,1fr)}}
@media(max-width:480px){.brokers{grid-template-columns:repeat(2,1fr)}}
.fbrand{display:inline-block}
.flogo{background:#fff;border-radius:10px;padding:9px 13px;height:46px;width:auto;display:block}