:root{--navy:#1b3a6b;--navy-dark:#122d55;--navy-deeper:#0d2240;--green:#6e8c3d;--forest:#1a3a2a;--forest-mid:#245438;--mint-bright:#7ecf9a;--mint-pale:#a8d5ba;--mint-muted:#c5d8cc;--surface:#f4f6fa;--white:#fff;--text:#1a1a2e;--muted:#5a6478;--border:#dde3ee;--radius-sm:4px;--radius-md:8px;--radius-lg:16px;--radius-pill:100px;--shadow-md:0 4px 16px rgba(27,58,107,.1),0 2px 6px rgba(27,58,107,.06)}*,:after,:before{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Inter,-apple-system,BlinkMacSystemFont,Segoe UI,sans-serif;font-size:16px;line-height:1.6;color:var(--text);background:var(--surface);-webkit-font-smoothing:antialiased}a{color:var(--navy);text-decoration:none}a:hover{text-decoration:underline}.container{max-width:1160px;margin:0 auto;padding:0 2rem}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}.nav{position:-webkit-sticky;position:sticky;top:0;z-index:100;background:hsla(0,0%,100%,.97);border-bottom:1px solid var(--border);box-shadow:0 1px 3px rgba(27,58,107,.06)}.nav-inner{display:flex;align-items:center;justify-content:space-between;height:72px;gap:1.5rem}.nav-logo img{height:52px;width:auto;object-fit:contain;display:block}.nav-right{gap:1.25rem}.nav-phone,.nav-right{display:flex;align-items:center}.nav-phone{gap:6px;color:var(--navy);font-size:.9rem;font-weight:600;transition:color .15s}.nav-phone:hover{color:var(--green);text-decoration:none}.nav-cta{padding:.5rem 1.25rem;background:var(--green);color:var(--white);font-size:.875rem;font-weight:600;border-radius:var(--radius-pill);transition:background .15s,transform .15s}.nav-cta:hover{background:#5a7430;transform:translateY(-1px);text-decoration:none}.hero{background:var(--forest);padding:clamp(3.5rem,5vw + 1rem,7rem) 0 clamp(3rem,4vw,6rem)}.hero-inner{text-align:center;display:flex;flex-direction:column;align-items:center;gap:1.5rem;max-width:720px;margin:0 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var(--border)}.trust-inner{display:flex;justify-content:center;gap:3rem;padding:.875rem 0;flex-wrap:wrap}.trust-item{display:flex;align-items:center;gap:6px;font-size:.875rem;font-weight:500;color:var(--muted)}.trust-dot{width:7px;height:7px;border-radius:50%;background:var(--mint-bright);flex-shrink:0}section{padding:clamp(3rem,5vw,6rem) 0}.section-header{text-align:center;max-width:600px;margin:0 auto 2.5rem}.section-h2{font-size:clamp(1.5rem,2vw + .5rem,2.25rem);font-weight:700;color:var(--navy);letter-spacing:-.01em;margin-bottom:.75rem}.section-sub{font-size:1rem;color:var(--muted);line-height:1.75}.options-section{background:var(--white);border-bottom:1px solid var(--border)}.options-list{list-style:none;padding:0;max-width:680px;margin:2rem auto 0;border:1px solid var(--border);border-radius:var(--radius-lg);overflow:hidden}.option-card{display:flex;align-items:flex-start;gap:1rem;padding:1.25rem 1.5rem;border-bottom:1px solid var(--border);transition:background .15s}.option-card:last-child{border-bottom:none}.option-card:hover{background:var(--surface)}.opt-icon{width:38px;height:38px;border-radius:var(--radius-md);display:flex;align-items:center;justify-content:center;flex-shrink:0;margin-top:2px}.grn{background:#e0f2e8;color:#1a6b3a}.blu{background:#e0ecf7;color:#1a4a6b}.amb{background:#f5eddf;color:#6b4a1a}.opt-title{font-size:1rem;font-weight:600;color:var(--navy);margin-bottom:4px}.opt-desc{font-size:.875rem;color:var(--muted);line-height:1.6}.stats-section{background:var(--white);border-bottom:1px solid var(--border)}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:1.5rem;gap:1.5rem;list-style:none;padding:0;max-width:920px;margin:2rem auto 0}.stat-card{background:var(--surface);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.75rem 1.5rem;text-align:center;transition:box-shadow .25s}.stat-card:hover{box-shadow:var(--shadow-md)}.stat-num{font-size:clamp(2rem,3vw + 1rem,2.75rem);font-weight:800;color:var(--green);line-height:1;margin-bottom:.6rem;letter-spacing:-.02em}.stat-label{font-size:.875rem;color:var(--muted);line-height:1.6}.stat-source{max-width:920px;margin:1.25rem auto 0;font-size:.75rem;color:var(--muted);text-align:center}.how-section{background:var(--surface)}.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);grid-gap:1.5rem;gap:1.5rem;list-style:none;padding:0}.step-card{background:var(--white);border:1px solid var(--border);border-radius:var(--radius-lg);padding:1.5rem;text-align:center;display:flex;flex-direction:column;align-items:center;gap:.75rem;transition:box-shadow 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1fr;grid-gap:2.5rem;gap:2.5rem;padding-bottom:2.5rem;border-bottom:1px solid hsla(0,0%,100%,.12)}.footer-brand{display:flex;flex-direction:column;gap:.75rem}.footer-logo{height:64px;width:auto;object-fit:contain;display:block;background:var(--white,#fff);padding:6px 10px;border-radius:10px}.footer-tagline{color:hsla(0,0%,100%,.55);font-size:.875rem;letter-spacing:.04em;text-transform:uppercase;font-weight:500}.footer-links{display:flex;flex-direction:column;gap:.75rem}.footer-links a{color:hsla(0,0%,100%,.7);font-size:.875rem;transition:color .15s}.footer-links a:hover{color:#fff;text-decoration:none}.footer-address{font-style:normal}.footer-address p{color:hsla(0,0%,100%,.6);font-size:.875rem;line-height:1.65}.disclosure{padding:1.25rem 0 0;border-top:1px solid hsla(0,0%,100%,.1)}.disclosure p{color:hsla(0,0%,100%,.35);font-size:.75rem;text-align:center;line-height:1.65;max-width:640px;margin:0 auto}.copyright{padding:.875rem 0 1.5rem}.copyright p{color:hsla(0,0%,100%,.4);font-size:.75rem;text-align:center}.copyright a{color:hsla(0,0%,100%,.55)}.legal-page{background:var(--white)}.legal-wrap{max-width:760px;margin:0 auto;padding:clamp(3rem,5vw,5rem) 2rem}.legal-wrap h1{font-size:clamp(2rem,3vw + 1rem,2.75rem);font-weight:700;color:var(--navy);margin-bottom:.5rem;letter-spacing:-.02em}.legal-wrap .effective{font-size:.875rem;color:var(--muted);margin-bottom:2.5rem}.legal-wrap h2{font-size:1.25rem;font-weight:700;color:var(--navy);margin:2.25rem 0 .75rem}.legal-wrap h3{font-size:1rem;font-weight:600;color:var(--navy);margin:1.5rem 0 .5rem}.legal-wrap li,.legal-wrap p{font-size:.95rem;color:var(--text);line-height:1.75;margin-bottom:.75rem}.legal-wrap ol,.legal-wrap ul{padding-left:1.5rem}.legal-wrap a{color:var(--navy);text-decoration:underline}@media (max-width:768px){.steps-grid{margin:0 auto}.stat-grid,.steps-grid{grid-template-columns:1fr;max-width:400px}.stat-grid{margin:2rem auto 0}.footer-inner{grid-template-columns:1fr;text-align:center}.footer-brand,.footer-links{align-items:center}.footer-address{text-align:center}.trust-inner{gap:1.5rem}}@media (max-width:480px){.hero h1{font-size:clamp(1.75rem,8vw,2.5rem)}.hero-cta{width:100%;justify-content:center}.nav-inner{gap:1rem}.container{padding:0 1.25rem}}