:root{--esp:#0b1f3a;--brown:#122b4f;--brown2:#1b3d6b;--gold:#c6a052;--gold-d:#1f5592;--gold-l:#d6e2f1;--cream:#f4f6f9;--cream2:#e9edf3;--ink:#16202d;--muted:#4c5869;--line:#dde3eb;--white:#fff;--head:-apple-system,BlinkMacSystemFont,"SF Pro Display","Segoe UI",Inter,Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:76px}
body{margin:0;overflow-x:hidden;font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-d)}
h1,h2,h3{font-family:var(--head);color:var(--esp);line-height:1.2;margin:0}
h2{font-size:1.75rem;margin:0 0 10px}
h3{font-size:1.15rem}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:8px;background:var(--esp);color:#fff;padding:8px 12px;z-index:50}
.skip:focus{left:8px}
a:focus-visible,button:focus-visible,input:focus,textarea:focus{outline:3px solid var(--gold);outline-offset:2px}
.ic{width:1.1em;height:1.1em;flex:none}

/* header */
.top{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
.bar{display:flex;align-items:center;gap:16px;height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--esp);min-width:0;margin-right:auto}
.brand img{width:34px;height:auto}
.brand strong{display:block;font-family:var(--head);font-size:1.06rem;line-height:1.15;white-space:nowrap}
.brand small{display:block;font-size:.74rem;color:var(--muted);letter-spacing:.3px;line-height:1.2}
.nav{display:none;gap:22px}
.nav a{color:var(--ink);text-decoration:none;font-size:.95rem;font-weight:500}
.nav a:hover{color:var(--gold-d)}
.top-call{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--esp);color:var(--gold-l)}
.top-call .ic{width:20px;height:20px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:10px;font:inherit;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;line-height:1.2;text-align:center}
.btn-gold{background:var(--gold);color:var(--esp)}
.btn-gold:hover{background:#d4b067}
.btn-ghost{border-color:rgba(255,255,255,.75);color:#fff;background:rgba(0,0,0,.15)}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
.btn-brown{background:var(--esp);color:#fff;width:100%}
.btn-brown:hover{background:var(--brown2)}
.btn-brown[disabled]{opacity:.6;cursor:progress}
.btn-sm{padding:9px 14px;font-size:.92rem}

/* hero */
.hero{position:relative;color:#fff;background:#0b1f3a url(media/hero-poster.jpg) center/cover no-repeat;}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,22,44,.86),rgba(9,26,52,.78) 55%,rgba(8,22,44,.92))}
.hero-in{position:relative;padding:52px 20px 48px}
.eyebrow{margin:0 0 12px;color:var(--gold-l);font-size:.8rem;font-weight:700;letter-spacing:1.4px;text-transform:uppercase}
.hero h1{color:#fff;font-size:2.05rem;max-width:20ch;margin:0 0 14px}
.lead{font-size:1.08rem;max-width:56ch;margin:0 0 24px;color:#e8eef6}
.ctas{display:flex;flex-direction:column;gap:12px}
.ctas .btn{width:100%}
.hero-note{margin:16px 0 0;font-size:.9rem;color:#c9d5e5}

.facts{background:var(--esp);color:#fff}
.facts-in{display:grid;grid-template-columns:1fr;gap:0}
.facts p{margin:0;padding:14px 0;border-top:1px solid rgba(255,255,255,.1);display:flex;flex-direction:column}
.facts p:first-child{border-top:0}
.facts strong{font-family:var(--head);color:var(--gold);font-size:1.2rem}
.facts span{font-size:.9rem;color:#c9d5e5}

/* sections */
.sec{padding:56px 0}
.sec.alt{background:var(--cream)}
.kicker{margin:0 0 6px;color:var(--gold-d);font-size:.8rem;font-weight:700;letter-spacing:1.3px;text-transform:uppercase}
.sub{color:var(--muted);max-width:62ch;margin:0 0 26px}
.fine{font-size:.86rem;color:var(--muted);margin:18px 0 0}

.types{display:grid;grid-template-columns:minmax(0,1fr);gap:18px}
.type{background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 1px 3px rgba(11,31,58,.06)}
.type img{width:100%;aspect-ratio:3/2;object-fit:cover}
.type-body{padding:16px 18px 18px}
.type h3{margin:0 0 6px}
.type-cta{background:var(--esp);border-color:var(--esp);display:flex;align-items:center}
.type-cta h3{color:#fff;font-size:1.3rem}
.type-cta p{color:#c9d5e5;margin:0 0 16px}
.type-cta .btn{width:100%}
.cta-call{display:block;text-align:center;margin-top:10px;color:var(--gold-l);font-weight:600}
.type p{margin:0;color:var(--muted);font-size:.96rem}

h3.group{font-size:1.2rem;margin:34px 0 14px;padding-bottom:8px;border-bottom:2px solid var(--gold-l)}
h3.group.first{margin-top:0}
.ctypes{display:grid;grid-template-columns:minmax(0,1fr);gap:14px}
.ctype{background:var(--cream);border:1px solid var(--line);border-radius:12px;padding:16px 18px}
.ctype h4{font-family:var(--head);font-size:1.08rem;color:var(--esp);margin:0 0 4px}
.ctype p{margin:0;color:var(--muted);font-size:.95rem}
.ctype-cta{background:var(--esp);border-color:var(--esp)}
.ctype-cta h4{color:#fff}
.ctype-cta p{color:#c9d5e5}
.ctype-links{margin-top:8px!important;font-weight:700}
.ctype-links a{color:var(--gold-l)}
.band p a{color:var(--gold-l)}
.hero-note a{color:var(--gold-l)}
.boros li.us{background:var(--esp);color:var(--gold-l);border-color:var(--esp)}
.form select{width:100%;font:inherit;font-size:16px;padding:12px 13px;border:1px solid #c3ccd8;border-radius:9px;background:#fff;color:var(--ink)}
.covs{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:1fr;gap:14px}
.covs li{background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:16px 18px}
.covs h3{margin:0 0 4px}
.covs p{margin:0;color:var(--muted);font-size:.96rem}

.band{background:linear-gradient(135deg,var(--brown),var(--esp));color:#fff;padding:44px 0}
.band-in{display:flex;flex-direction:column;gap:20px}
.band h2{color:#fff}
.band p{margin:0;color:#d3deec;max-width:60ch}
.band .btn{width:100%}

.two{display:grid;grid-template-columns:minmax(0,1fr);gap:28px}
.two>*{min-width:0}
.info dd,.about-card p,.foot-brand p{overflow-wrap:anywhere}
.checks{list-style:none;margin:0;padding:0;display:grid;gap:14px}
.checks li{position:relative;padding:0 0 0 34px;color:var(--muted)}
.checks li strong{color:var(--esp)}
.checks li::before{content:"";position:absolute;left:0;top:3px;width:22px;height:22px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%230b1f3a' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}

.steps{list-style:none;margin:0;padding:0;display:grid;gap:16px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:20px}
.steps .n{display:inline-grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--esp);color:var(--gold);font-family:var(--head);font-weight:700;font-size:1.1rem;margin-bottom:10px}
.steps h3{margin:0 0 6px}
.steps p{margin:0;color:var(--muted)}

.about h3{margin:20px 0 4px;font-size:1.05rem}
.about p{color:var(--muted)}
.about-card{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:24px;text-align:center;align-self:start}
.about-card img{width:120px;margin:0 auto 14px}
.about-card .who{margin:0 0 10px;color:var(--ink)}
.about-card .who strong{display:block;font-family:var(--head);font-size:1.25rem;color:var(--esp)}
.about-card .who span{font-size:.9rem;color:var(--muted)}
.about-card p{margin:0}

.boros{list-style:none;margin:0 0 18px;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.boros li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 16px;font-weight:600;color:var(--esp)}

/* contact */
.form label{display:block;font-weight:600;font-size:.92rem;margin:14px 0 6px}
.form .opt{font-weight:400;color:var(--muted)}
.form input,.form textarea{width:100%;font:inherit;font-size:16px;padding:12px 13px;border:1px solid #c3ccd8;border-radius:9px;background:#fff;color:var(--ink)}
.form textarea{resize:vertical}
.form select:focus{outline:3px solid var(--gold);outline-offset:2px}
.grid2{display:grid;grid-template-columns:1fr;gap:0 14px}
.form .btn{margin-top:18px}
.status{min-height:1.4em;margin:10px 0 0;font-size:.95rem}
.status.ok{color:#1d6b3a;font-weight:600}
.status.err{color:#a32020}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.info{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:24px;align-self:start}
.info h3{margin:0 0 6px}
.info>p{color:var(--muted);margin:0 0 16px}
.info dl{margin:0;display:grid;grid-template-columns:76px minmax(0,1fr);gap:10px 12px}
.info dt{font-weight:700;color:var(--esp);font-size:.92rem}
.info dd{margin:0}
.maplink{display:inline-flex;align-items:center;gap:4px;font-weight:600;margin-top:4px}
a[href^="tel:"]{white-space:nowrap}

/* footer */
.foot{background:var(--esp);color:#c9d5e5;padding:36px 0 26px;font-size:.92rem}
.foot a{color:var(--gold-l)}
.foot-in{display:flex;flex-direction:column;gap:20px}
.foot-brand{display:flex;gap:14px;align-items:flex-start}
.foot-brand img{width:40px}
.foot-brand p{margin:0}
.foot-brand strong{color:#fff}
.foot-links{display:flex;flex-wrap:wrap;gap:8px 20px}
.foot-legal{margin-top:22px;border-top:1px solid rgba(255,255,255,.12);padding-top:16px;font-size:.82rem;color:#9fb0c6}
.foot-legal p{margin:0 0 8px}
.fill{background:#1b3d6b;color:#e8eef6;padding:1px 6px;border-radius:4px}

/* simple pages */
.page{max-width:760px;margin:0 auto;padding:40px 20px 60px}
.page h1{font-size:1.9rem;margin:0 0 16px}
.page li{margin:0 0 10px}

.top .top-cta{display:none}
@media (min-width:640px){
  .types{grid-template-columns:1fr 1fr}
  .covs{grid-template-columns:1fr 1fr}
  .ctypes{grid-template-columns:1fr 1fr}
  .grid2{grid-template-columns:1fr 1fr}
  .ctas{flex-direction:row;flex-wrap:wrap}
  .ctas .btn{width:auto}
  .facts-in{grid-template-columns:repeat(3,1fr)}
  .facts p{border-top:0;padding:18px 0}
  .band .btn{width:auto;align-self:flex-start}
}
@media (min-width:960px){
  body{font-size:17px}
  .nav{display:flex}
  .top .top-cta{display:inline-flex}
  .top-call{display:none}
  .hero-in{padding:110px 20px 100px}
  .hero h1{font-size:3.1rem}
  .lead{font-size:1.2rem}
  h2{font-size:2.2rem}
  .sec{padding:84px 0}
  .types{grid-template-columns:repeat(3,1fr)}
  .covs{grid-template-columns:repeat(4,1fr)}
  .ctypes{grid-template-columns:repeat(3,1fr)}
  .steps{grid-template-columns:repeat(3,1fr)}
  .two{grid-template-columns:minmax(0,1fr) minmax(0,1fr);gap:56px;align-items:start}
  .about{grid-template-columns:320px minmax(0,1fr)}
  .contact{grid-template-columns:minmax(0,1.25fr) minmax(0,1fr)}
  .band-in{flex-direction:row;align-items:center;justify-content:space-between;gap:40px}
  .band .btn{align-self:center;flex:none}
  .foot-in{flex-direction:row;justify-content:space-between;align-items:flex-start}
}

/* ---- SEO sub-pages (Oct 2026) ---- */
.phero{background:linear-gradient(160deg,var(--esp),var(--brown) 70%);color:#fff;padding:22px 0 34px}
.phero h1{color:#fff;font-size:1.85rem;max-width:26ch;margin:0 0 12px}
.phero .lead{margin-bottom:20px}
.crumbs{font-size:.84rem;color:#b9c8dc;margin:0 0 14px;overflow-wrap:anywhere}
.crumbs a{color:var(--gold-l)}
.btn-line{border-color:var(--esp);color:var(--esp);background:#fff;width:100%}
.btn-line:hover{background:var(--cream)}
.pgrid{display:grid;grid-template-columns:minmax(0,1fr);gap:28px;padding-top:34px;padding-bottom:20px}
.prose{min-width:0;max-width:72ch}
.prose h2{font-size:1.45rem;margin:34px 0 10px}
.prose h2:first-child{margin-top:0}
.prose p{margin:0 0 14px}
.prose .checks{margin:6px 0 18px}
.prose .checks li{color:var(--ink)}
.byline{font-size:.86rem;color:var(--muted)}
.pfig{margin:0 0 22px}
.pfig img{width:100%;border-radius:14px;aspect-ratio:3/2;object-fit:cover}
.side{display:grid;gap:16px;align-self:start}
.side-card{background:var(--cream);border:1px solid var(--line);border-radius:16px;padding:20px;display:grid;gap:12px}
.side-card h2{font-size:1.25rem;margin:0}
.side-card p{margin:0;color:var(--muted);font-size:.95rem}
.side-card .btn{width:100%}
.side-small{font-size:.88rem!important}
.side-plain{background:#fff}
.faq{margin-top:34px}
.faq details{border:1px solid var(--line);border-radius:12px;background:#fff;margin:0 0 10px}
.faq summary{cursor:pointer;padding:14px 16px;font-weight:700;color:var(--esp);list-style-position:outside;margin-left:18px}
.faq details p{padding:0 16px 14px 34px;margin:0;color:var(--muted)}
.faq summary:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.sources{margin-top:30px;border-top:1px solid var(--line);padding-top:8px}
.sources ul{padding-left:20px}
.sources li{margin:0 0 6px;font-size:.95rem;overflow-wrap:anywhere}
.related{padding:10px 0 44px}
.related h2{font-size:1.45rem}
.lgrid{list-style:none;margin:10px 0 22px;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:12px}
.lgrid a{display:block;height:100%;background:#fff;border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:10px;padding:14px 16px;text-decoration:none;color:var(--ink)}
.lgrid a:hover{background:var(--cream)}
.lgrid strong{display:block;font-family:var(--head);color:var(--esp);font-size:1.05rem;margin-bottom:2px}
.lgrid span{display:block;color:var(--muted);font-size:.92rem}
.tbl{overflow-x:auto;margin:6px 0 18px;-webkit-overflow-scrolling:touch}
.tbl table{border-collapse:collapse;width:100%;font-size:.86rem}
.tbl th,.tbl td{overflow-wrap:anywhere}
.tbl th,.tbl td{border:1px solid var(--line);padding:9px 10px;text-align:left;vertical-align:top}
.tbl thead th{background:var(--cream);color:var(--esp)}
.foot-cols{display:grid;grid-template-columns:minmax(0,1fr);gap:18px;padding-bottom:26px;margin-bottom:24px;border-bottom:1px solid rgba(255,255,255,.12)}
.foot-h{font-family:var(--head);color:#fff;font-size:1.02rem;margin:0 0 8px}
.foot-cols ul{list-style:none;margin:0;padding:0;display:grid;gap:6px}
.foot-cols a{text-decoration:none}
.foot-cols a:hover{text-decoration:underline}
.type h3 a{color:inherit;text-decoration:none}
.type h3 a:hover{color:var(--gold-d)}
.covs h3 a{color:var(--esp);text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:3px}
.type-more{display:inline-block;margin-top:8px;font-weight:700;font-size:.92rem}
.ctype h4 a{color:inherit;text-decoration:none}
.boros li a{color:inherit;text-decoration:none}
.boros li:has(a):hover{background:var(--cream)}
@media (min-width:640px){
  .tbl table{font-size:.93rem}
  .ctypes-4{grid-template-columns:1fr 1fr}
  .lgrid{grid-template-columns:1fr 1fr}
  .foot-cols{grid-template-columns:repeat(3,minmax(0,1fr))}
}
@media (min-width:960px){
  .phero{padding:30px 0 54px}
  .phero h1{font-size:2.6rem}
  .pgrid{grid-template-columns:minmax(0,1fr) 320px;gap:56px;padding-top:54px}
  .side{position:sticky;top:84px}
  .lgrid{grid-template-columns:repeat(3,1fr)}
  .related .lgrid{grid-template-columns:repeat(3,1fr)}
  .types.types-2{grid-template-columns:repeat(2,1fr);margin-bottom:18px}
  .ctypes.ctypes-4{grid-template-columns:repeat(4,1fr)}
}
.types-2{margin-bottom:14px}
.top .top-cta{white-space:nowrap}
.nav a{white-space:nowrap}
@media (min-width:960px) and (max-width:1120px){.nav{gap:13px}.nav a{font-size:.86rem}.bar{gap:12px}}

/* ---- v7 corporate redesign (Oct 18 2026) ---- */
body{color:var(--ink);font-size:16.5px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--head);letter-spacing:-.018em;font-weight:700}
h2{font-size:1.75rem;line-height:1.18}
h3{font-size:1.1rem;line-height:1.3}
.anchor{position:relative;top:-80px;display:block}
.util{display:none;background:var(--esp);color:#b9c8dc;font-size:.78rem;letter-spacing:.2px}
.util-in{display:flex;justify-content:space-between;align-items:center;height:34px}
.util a{color:#d6e2f1;text-decoration:none}
.util a:hover{color:#fff}
.util-r{display:flex;gap:22px}
.top{box-shadow:0 1px 0 rgba(11,31,58,.04)}
.bar{height:68px}
.brand strong{font-family:var(--head);letter-spacing:-.01em;font-size:1.08rem}
.brand small{text-transform:uppercase;letter-spacing:1.1px;font-size:.66rem;font-weight:600;margin-top:2px}
.nav a{font-size:.93rem;color:#2a3546}
.nav a:hover{color:var(--gold-d)}
.btn{border-radius:6px;letter-spacing:.1px}
.btn-sm{padding:10px 16px}
.btn-gold{background:var(--gold);color:#0b1f3a}
.btn-line{width:auto}
.btn-auto{width:auto}
.top-call{background:var(--esp);color:#fff}
.eyebrow{letter-spacing:1.6px;font-size:.74rem;color:#c9d5e5}
.hero-in{padding:56px 20px 52px}
.hero h1{font-size:2.15rem;max-width:22ch;letter-spacing:-.025em;line-height:1.1}
.lead{color:#dbe4f0}
.hero-trust{list-style:none;margin:22px 0 0;padding:0;display:flex;flex-direction:column;gap:8px;font-size:.92rem;color:#e8eef6}
.hero-trust li{display:flex;align-items:center;gap:8px}
.hero-trust .ic{color:var(--gold);width:18px;height:18px}
.hero-note{color:#b9c8dc;font-size:.86rem;margin-top:18px}
.facts{background:#081a33;border-top:1px solid rgba(255,255,255,.06)}
.facts-in{grid-template-columns:1fr 1fr;gap:0 18px}
.facts p{padding:18px 0;border-top:1px solid rgba(255,255,255,.08)}
.facts p:nth-child(2){border-top:0}
.facts strong{color:#fff;font-size:1.35rem;letter-spacing:-.01em}
.facts span{color:#a9bad0;font-size:.84rem;line-height:1.4;margin-top:2px}
.sec{padding:64px 0}
.sec-head{max-width:760px;margin-bottom:34px}
.sec-head .sub{margin-bottom:0}
.kicker{color:var(--gold-d);letter-spacing:1.6px;font-size:.74rem;display:flex;align-items:center;gap:10px}
.kicker::before{content:"";width:22px;height:2px;background:var(--gold);display:inline-block}
.sub{font-size:1.04rem}
.type{border-radius:8px;box-shadow:0 1px 2px rgba(11,31,58,.05);transition:box-shadow .2s,transform .2s}
.type:hover{box-shadow:0 10px 30px rgba(11,31,58,.10);transform:translateY(-2px)}
.type-cta{background:linear-gradient(160deg,var(--esp),var(--brown2))}
.type-cta p{color:#c9d5e5}
.ctype{border-radius:8px;background:#fff}
.ctype-cta{background:var(--esp)}
h3.group{font-size:.82rem;text-transform:uppercase;letter-spacing:1.4px;color:var(--muted);border-bottom:1px solid var(--line);font-weight:700}
.tiles{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:8px;overflow:hidden}
.tiles li{background:#fff;padding:24px 22px}
.tiles h3{margin:12px 0 6px;font-size:1.04rem}
.tiles h3 a{color:var(--esp);text-decoration:none}
.tiles h3 a:hover{color:var(--gold-d);text-decoration:underline}
.tiles p{margin:0;color:var(--muted);font-size:.93rem;line-height:1.55}
.tile-ic{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:8px;background:#eaf0f7;color:var(--gold-d)}
.tile-ic .ic{width:24px;height:24px}
.steps{gap:0;border-top:2px solid var(--esp)}
.steps li{background:transparent;border:0;border-bottom:1px solid var(--line);border-radius:0;padding:24px 0}
.step-top{display:flex;align-items:center;justify-content:space-between;margin-bottom:12px}
.steps .n{width:auto;height:auto;border-radius:0;background:none;color:var(--gold);font-family:var(--head);font-size:1.9rem;font-weight:700;letter-spacing:-.02em;margin:0}
.steps h3{font-size:1.12rem}
.checks li::before{background-color:#eaf0f7;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 12.5l4 4 8-9' fill='none' stroke='%231f5592' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E")}
.firm p{color:var(--muted)}
.glance{margin:0;display:grid;gap:0;background:#fff;border:1px solid var(--line);border-top:3px solid var(--esp);border-radius:8px;padding:6px 24px}
.glance div{display:grid;grid-template-columns:minmax(0,1fr);gap:2px;padding:14px 0;border-bottom:1px solid var(--line)}
.glance div:last-child{border-bottom:0}
.glance dt{font-size:.74rem;text-transform:uppercase;letter-spacing:1.2px;color:var(--muted);font-weight:700}
.glance dd{margin:0;color:var(--esp);font-weight:600}
.boros li{border-radius:6px;background:#fff}
.boros li.us{background:var(--esp);color:#fff}
.lgrid a{border-radius:8px;border-left:3px solid var(--gold-d)}
.lgrid-1{grid-template-columns:minmax(0,1fr)!important}
.depts{list-style:none;margin:0 0 40px;padding:0;display:grid;grid-template-columns:minmax(0,1fr);gap:16px}
.dept{background:#fff;border:1px solid var(--line);border-top:3px solid var(--esp);border-radius:8px;padding:22px;display:flex;flex-direction:column}
.dept h3{margin:12px 0 6px;font-size:1.05rem}
.dept p{margin:0;color:var(--muted);font-size:.92rem}
.dept .dept-links{margin-top:14px;color:var(--ink);font-weight:600;line-height:1.9}
.dept-links .ic{width:16px;height:16px;vertical-align:-3px;color:var(--gold-d);margin-right:4px}
.dept-form{margin-top:auto;padding-top:12px;align-self:flex-start;background:none;border:0;font:inherit;font-size:.88rem;font-weight:700;color:var(--gold-d);cursor:pointer;padding-left:0}
.dept-form:hover{text-decoration:underline}
.form-card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:26px}
.form-card h3{margin:0 0 6px;font-size:1.25rem}
.form-card .sub{font-size:.95rem;margin-bottom:6px}
.form input,.form textarea,.form select{border-radius:6px}
.info{background:#fff;border-radius:8px;border-top:3px solid var(--esp)}
.info dl{grid-template-columns:118px minmax(0,1fr)}
.info dt{font-size:.82rem;text-transform:uppercase;letter-spacing:.8px;color:var(--muted);padding-top:2px}
.btn-brown{border-radius:6px}
.band{background:linear-gradient(120deg,#0b1f3a,#16365f)}
.phero{background:linear-gradient(160deg,#0b1f3a,#16365f 75%)}
.phero-firm{padding-bottom:48px}
.side-card{border-radius:8px;background:#fff;border-top:3px solid var(--esp)}
.faq details{border-radius:8px}
.pfig img{border-radius:8px}
.foot{background:#071629;color:#a9bad0}
.foot a{color:#d6e2f1}
.foot-h{font-size:.78rem;text-transform:uppercase;letter-spacing:1.3px;color:#fff}
.foot-contact{margin:0;display:grid;grid-template-columns:110px minmax(0,1fr);gap:6px 14px;font-size:.9rem}
.foot-contact dt{color:#8094ad;font-size:.8rem;text-transform:uppercase;letter-spacing:.8px;padding-top:2px}
.foot-contact dd{margin:0;overflow-wrap:anywhere}
.foot-legal{color:#8094ad}
.foot-legal strong{color:#c9d5e5}
@media (min-width:640px){
  .tiles{grid-template-columns:1fr 1fr}
  .depts{grid-template-columns:1fr 1fr}
  .hero-trust{flex-direction:row;flex-wrap:wrap;gap:10px 26px}
  .facts-in{grid-template-columns:repeat(4,1fr)}
  .facts p{border-top:0;padding:24px 0}
  .glance div{grid-template-columns:150px minmax(0,1fr);gap:16px}
  .foot-cols.foot-cols-4{grid-template-columns:repeat(2,minmax(0,1fr))}
}
@media (min-width:960px){
  .util{display:block}
  .hero-in{padding:120px 20px 108px}
  .hero h1{font-size:3.35rem}
  h2{font-size:2.35rem}
  .sec{padding:96px 0}
  .sec-head{margin-bottom:46px}
  .tiles{grid-template-columns:repeat(5,1fr)}
  .tiles.tiles-4{grid-template-columns:repeat(4,1fr)}
  .steps.steps-4{grid-template-columns:repeat(4,1fr);gap:0 32px;border-top:0}
  .steps.steps-4 li{border-top:2px solid var(--esp);border-bottom:0;padding-top:22px}
  .depts{grid-template-columns:repeat(4,1fr)}
  .firm{grid-template-columns:minmax(0,1.1fr) minmax(0,1fr)}
  .contact{grid-template-columns:minmax(0,1.3fr) minmax(0,1fr);gap:40px}
  .foot-cols.foot-cols-4{grid-template-columns:repeat(4,minmax(0,1fr))}
  .foot-in{gap:40px}
}
.nw{white-space:nowrap}
.faq-home{max-width:860px;margin-top:0}
.faq-home details{background:#fff}
.sec#contact .depts .dept{background:var(--cream)}
.sec#contact .form-card,.sec#contact .info{background:#fff}
.sec#contact .form-card{border-top:3px solid var(--esp)}
@media (max-width:639px){
  .foot-cols{grid-template-columns:1fr 1fr;gap:22px 16px}
  .foot-cols ul{font-size:.86rem}
  .foot-contact{grid-template-columns:96px minmax(0,1fr);font-size:.86rem}
  .foot-contact dd{overflow-wrap:normal;word-break:normal}
  .foot-contact dd a[href^="mailto:"]{font-size:.8rem}
}

/* Ask a Broker nav item (Oct 18 2026): keep the 7-link nav from crowding the brand on small laptops */
@media (min-width:960px) and (max-width:1199px){.nav a[href="/#how"]{display:none}}


/* ===== v11 cleanup (Oct 2026): slimmer header, address-first hero, one main call to action, compact phone layout ===== */
/* header: 4 links + certificate/claim service links + one CTA */
.nav{align-items:center}
.nav-svc{display:flex;gap:18px;margin-left:6px;padding-left:20px;border-left:1px solid var(--line)}
.nav .nav-svc a{font-size:.86rem;color:var(--muted);font-weight:500}
.nav .nav-svc a:hover{color:var(--gold-d)}
@media (min-width:960px) and (max-width:1199px){.nav{gap:16px}.nav-svc{gap:12px;padding-left:14px;margin-left:0}.nav .nav-svc a{font-size:.8rem}.brand small{display:none}}
/* hero: address box first */
.hero .lead{margin-bottom:18px}
.hero-quote{background:rgba(255,255,255,.97);border-radius:14px;padding:16px;max-width:640px;box-shadow:0 12px 34px rgba(0,0,0,.25);color:var(--ink)}
.hero-quote label{display:block;font-weight:700;color:var(--esp);font-size:.95rem;margin:0 0 8px}
.hq-row{display:flex;flex-direction:column;gap:10px}
.hq-row input{flex:1;min-width:0;font:inherit;font-size:16px;padding:13px 14px;border:1px solid #c9d3df;border-radius:10px;color:var(--ink);background:#fff}
.hq-row .btn{width:100%;white-space:nowrap}
.hq-note{margin:10px 0 0;font-size:.82rem;color:var(--muted);line-height:1.45}
.alt-contact{margin:16px 0 0;color:#d3deec;font-size:.98rem}
.alt-contact a{color:#fff;font-weight:600;text-decoration:underline;text-underline-offset:3px;display:inline-block;padding:6px 2px}
.alt-contact a:hover{color:var(--gold-l)}
.band p a{white-space:nowrap}
.type-cta .type-more{display:inline-block;color:var(--gold);font-weight:700;font-size:1.05rem;text-decoration:none;margin-top:4px}
.type-cta .type-more:hover{text-decoration:underline}
.type-cta .cta-call{text-align:left;font-weight:500}
@media (min-width:640px){
  .hq-row{flex-direction:row}
  .hq-row .btn{width:auto}
}
@media (max-width:639px){
  .hero-in{padding:26px 20px 30px}
  .eyebrow{font-size:.72rem;margin-bottom:8px}
  .hero h1{font-size:1.62rem;line-height:1.15;margin-bottom:10px}
  .hero .lead{font-size:.98rem;margin-bottom:16px}
  .hero-quote{padding:14px}
  .sec{padding:44px 0}
  .sec-head{margin-bottom:24px}
  h2{font-size:1.55rem}
  /* proof strip: 2 x 2 */
  .facts-in{grid-template-columns:1fr 1fr;gap:0 16px}
  .facts p{padding:12px 0;border-top:1px solid rgba(255,255,255,.08)}
  .facts p:nth-child(-n+2){border-top:0}
  .facts strong{font-size:1.02rem}
  .facts span{font-size:.8rem;line-height:1.35}
  /* property-type cards: photo thumbnail beside the text */
  .types{gap:12px}
  .type{display:grid;grid-template-columns:108px minmax(0,1fr)}
  .type img{aspect-ratio:auto;width:108px;height:100%;min-height:118px}
  .type-body{padding:12px 14px 14px}
  .type h3{font-size:1.02rem;margin-bottom:4px}
  .type p{font-size:.9rem;line-height:1.45}
  .type-more{font-size:.9rem}
  .type-cta{display:block}
  .type-cta .type-body{padding:18px}
  h3.group{margin:26px 0 12px}
  /* coverage tiles: icon beside the text */
  .tiles li{display:grid;grid-template-columns:36px minmax(0,1fr);column-gap:14px;padding:16px}
  .tiles li>.tile-ic{grid-row:span 2;width:36px;height:36px}
  .tiles li>.tile-ic .ic{width:20px;height:20px}
  .tiles h3{margin:0 0 4px}
  .tiles p{margin:0;font-size:.92rem}
  /* process steps + contact desks: lighter cards */
  .steps li{padding:16px}
  .steps .tile-ic{display:none}
  .dept{padding:16px}
  .dept .tile-ic{display:none}
  .dept h3{margin-top:0}
  .dept .dept-links{margin-top:8px}
  .depts{gap:12px;margin-bottom:28px}
}
@media (min-width:960px){
  .hero-in{padding:84px 20px 80px}
  .sec{padding:80px 0}
  .sec-head{margin-bottom:38px}
}

/* v11 languages: switcher + translated pages */
.lang-sw{display:flex;align-items:center;gap:0;font-size:.78rem;font-weight:700;white-space:nowrap}
.lang-sw a{color:var(--muted);text-decoration:none;padding:8px 5px;line-height:1}
.lang-sw a:hover{color:var(--gold-d)}
.lang-sw a[aria-current]{color:var(--esp);text-decoration:underline;text-decoration-color:var(--gold);text-decoration-thickness:2px;text-underline-offset:4px}
@media (max-width:639px){.lang-sw a{padding:8px 3px;font-size:.74rem}.brand small{display:none}.brand strong{font-size:.95rem;white-space:normal;line-height:1.1;max-width:6.2em}.bar{gap:8px}.top-call{width:40px;height:40px}}
@media (max-width:359px){.lang-sw{display:none}}
.tiles.plain li{display:block}
.tiles.plain h3{margin-top:0}
.sec-head h1.h2{font-size:1.75rem;margin:0 0 10px}
@media (min-width:960px){.sec-head h1.h2{font-size:2.35rem}}
.plain-list{margin:0 0 12px;padding-left:20px;color:var(--muted)}
.plain-list li{margin:0 0 6px}
.info h3+p,.info h3+dl{margin-top:4px}
.info h3{margin-top:18px}
.info h3:first-child{margin-top:0}
@media (min-width:960px) and (max-width:1199px){.nav-svc{display:none}}
@media (min-width:960px) and (max-width:1439px){.brand small{display:none}.nav{gap:18px}.nav a{font-size:.92rem}.nav-svc{gap:14px;padding-left:16px;margin-left:0}}
.brand small{white-space:nowrap}

/* ===== v14 (Oct 20 2026): two-tier header. Thin top line (tagline, service links, phone, language) + clean main bar (brand, nav, one CTA). Replaces the crowded single bar. ===== */
.topline{background:var(--esp);color:#c9d6e6;font-size:.8rem;line-height:1}
.tl-in{display:flex;align-items:center;justify-content:space-between;gap:16px;height:38px}
.tl-tag{margin:0;white-space:nowrap;overflow:hidden;text-overflow:ellipsis;letter-spacing:.2px;color:#b9c8dc;min-width:0}
.tl-r{display:flex;align-items:center;gap:20px;flex:none}
.topline a{color:#e3ebf5;text-decoration:none;white-space:nowrap}
.topline a:hover{color:#fff}
.tl-svc{font-weight:500}
.tl-phone{display:inline-flex;align-items:center;gap:7px;font-weight:700;color:#fff!important}
.tl-phone .ic{width:14px;height:14px;color:var(--gold)}
.tl-call{font-weight:500;color:#c9d6e6}
.topline .lang-sw{padding-left:16px;border-left:1px solid rgba(255,255,255,.18);font-size:.76rem}
.topline .lang-sw a{color:#9fb2ca;padding:6px 5px}
.topline .lang-sw a:hover{color:#fff}
.topline .lang-sw a[aria-current]{color:#fff;text-decoration-color:var(--gold)}
.top .bar{height:72px;gap:28px}
.top .brand{gap:12px}
.top .brand img{width:36px}
.top .brand strong{font-size:1.12rem;white-space:nowrap}
.top .brand small{display:block;white-space:nowrap}
.top .nav{gap:30px;align-items:center}
.top .nav a{font-size:.95rem;font-weight:600;color:#25324a;padding:6px 0;border-bottom:2px solid transparent}
.top .nav a:hover{color:var(--esp);border-bottom-color:var(--gold)}
.top .top-cta{display:inline-flex;padding:11px 20px;font-size:.93rem;border-radius:6px}
html{scroll-padding-top:84px}
@media (min-width:960px) and (max-width:1199px){
  .top .bar{gap:22px}.top .nav{gap:22px}.top .nav a{font-size:.92rem}
  .top .brand small{display:block}
  .tl-tag{font-size:.76rem}
}
@media (max-width:959px){
  .tl-svc{display:none}
  .top .nav{display:none}
}
@media (max-width:759px){
  .tl-tag{display:none}
  .tl-in{justify-content:space-between;height:36px}
  .tl-r{width:100%;justify-content:space-between;gap:10px}
  .top .bar{height:60px;gap:12px}
  .top .brand img{width:30px}
  .top .brand strong{font-size:1rem;max-width:none;white-space:nowrap;line-height:1.15}
  .top .brand small{display:block;font-size:.6rem;letter-spacing:.9px;margin-top:2px}
  .top .top-cta{padding:9px 14px;font-size:.86rem}
  html{scroll-padding-top:70px}
}
@media (max-width:389px){
  .tl-call{display:none}
  .top .brand small{display:none}
  .topline .lang-sw{padding-left:10px}
  .topline .lang-sw a{padding:6px 4px}
}
@media (max-width:359px){.topline .lang-sw{display:flex}.top .top-cta{display:none}}

/* v14 mobile menu + header CTA rules */
.mnav{display:none;position:relative}
.mnav summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:8px;height:40px;padding:0 12px;border:1px solid var(--line);border-radius:6px;font-size:.86rem;font-weight:600;color:var(--esp);background:#fff}
.mnav summary::-webkit-details-marker{display:none}
.mnav-ic{display:inline-grid;gap:3px}
.mnav-ic i{display:block;width:16px;height:2px;background:var(--esp);border-radius:2px}
.mnav[open] summary{border-color:var(--esp)}
.mnav-panel{position:absolute;right:0;top:calc(100% + 10px);min-width:240px;background:#fff;border:1px solid var(--line);border-radius:8px;box-shadow:0 14px 34px rgba(11,31,58,.16);padding:8px;display:flex;flex-direction:column;z-index:40}
.mnav-panel a{padding:12px 12px;color:var(--esp);text-decoration:none;font-weight:600;font-size:.98rem;border-radius:6px}
.mnav-panel a:hover{background:var(--cream)}
.mnav-panel .mnav-call{margin-top:6px;border-top:1px solid var(--line);border-radius:0;color:var(--gold-d)}
@media (max-width:959px){.mnav{display:block}}
@media (max-width:599px){.top .top-cta{display:none}}
@media (max-width:759px){.top .brand small{display:block}}
@media (max-width:759px){.tl-call{display:none}.tl-r{gap:12px}}
@media (max-width:389px){.mnav-t{display:none}.mnav summary{padding:0 11px}}
@media (max-width:359px){.top .brand small{display:none}}
.alt-contact .sep{margin:0 8px;color:var(--muted)}
.alt-contact a{white-space:nowrap}
@media (max-width:420px){.alt-contact .sep{margin:0 5px}}

@media (max-width:599px){
  .alt-contact{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 20px}
  .alt-contact .alt-lbl{flex-basis:100%}
  .alt-contact .sep{display:none}
}
@media (max-width:759px){html[lang="es"] .top .brand small,html[lang="ru"] .top .brand small{display:none}}

/* v14 proof strip: even rhythm, first item no longer wraps to 3 lines */
.facts strong{line-height:1.25}
@media (min-width:960px){.facts-in{grid-template-columns:1.5fr 1fr 1fr 1fr!important;gap:0 28px}.facts strong{font-size:1.1rem}}
@media (max-width:959px){.facts-in>p:first-child{grid-column:1/-1}.facts strong{font-size:1.05rem}}
@media (max-width:419px){.mnav-t{display:none}.mnav summary{padding:0 11px}}

/* Find us online + Google review (Oct 22 2026) */
.foot-social{margin-top:24px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);display:flex;flex-wrap:wrap;align-items:center;gap:14px 22px}
.foot-social .foot-h{margin:0;flex-basis:100%}
.social-row{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:12px}
.social-row a{display:block;width:44px;height:44px;border-radius:10px;overflow:hidden;background:#fff;transition:transform .15s}
.social-row a:hover{transform:translateY(-2px)}
.social-row img{display:block;width:44px;height:44px}
.foot .review-btn{color:var(--esp);padding:11px 18px;font-size:.95rem}
.review-btn img{width:22px;height:22px;border-radius:4px;background:#fff}
@media (max-width:420px){.social-row{gap:10px}.social-row a,.social-row img{width:40px;height:40px}.foot .review-btn{width:100%}}