:root{
  --ink:#151d18; --muted:#4d5b52; --pine:#1e3d30; --pine-dk:#132a20;
  --clay:#b05128; --clay-dk:#8e3f1d; --sand:#f7f3ec; --card:#ffffff;
  --line:#e0d8c9; --ok:#2f6b4f;
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --serif:Georgia,"Iowan Old Style","Times New Roman",serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--sand);
  font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--clay-dk)}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 18px}

/* ---- top call bar ---- */
.callbar{background:var(--clay);color:#fff;text-align:center;font-size:14px;padding:7px 12px;line-height:1.4}
.callbar a{color:#fff;font-weight:700;text-decoration:none;border-bottom:1px solid rgba(255,255,255,.5)}

/* ---- header ---- */
header{background:var(--pine);position:sticky;top:0;z-index:60;box-shadow:0 1px 0 rgba(0,0,0,.15)}
.hbar{display:flex;align-items:center;justify-content:space-between;gap:12px;padding:11px 0}
.logo{display:flex;align-items:center;gap:9px;text-decoration:none;color:#fff;min-width:0}
.logo .mark{width:34px;height:34px;flex:0 0 34px;border-radius:7px;background:var(--clay);
  display:grid;place-items:center;font-weight:800;font-size:14px;letter-spacing:-.5px;color:#fff}
.logo b{font-size:15.5px;line-height:1.15;display:block;font-weight:700}
.logo span{display:block;font-size:11px;letter-spacing:.09em;text-transform:uppercase;color:#b9cfc2}
.callbtn{background:var(--clay);color:#fff;text-decoration:none;font-weight:700;font-size:14.5px;
  padding:9px 14px;border-radius:7px;white-space:nowrap;flex:0 0 auto}
.callbtn:hover{background:var(--clay-dk)}
.navtoggle{display:none}
nav{border-top:1px solid rgba(255,255,255,.13)}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:2px}
nav a{display:block;color:#d8e5dd;text-decoration:none;font-size:14.5px;padding:10px 12px;border-radius:6px}
nav a:hover,nav a.on{background:rgba(255,255,255,.11);color:#fff}

/* ---- hero ---- */
.hero{background:linear-gradient(175deg,var(--pine-dk),#20452f 60%,#28513a);color:#fff;padding:38px 0 34px}
.hero h1{font-family:var(--serif);font-size:31px;line-height:1.2;margin:0 0 12px;font-weight:700}
.hero p.lead{font-size:17.5px;color:#cfe0d6;margin:0 0 20px;max-width:640px}
.herocta{display:flex;flex-wrap:wrap;gap:10px;margin-bottom:18px}
.btn{display:inline-block;text-decoration:none;font-weight:700;padding:14px 22px;border-radius:8px;
  font-size:16.5px;border:0;cursor:pointer;text-align:center}
.btn-primary{background:var(--clay);color:#fff}
.btn-primary:hover{background:var(--clay-dk)}
.btn-ghost{background:rgba(255,255,255,.1);color:#fff;border:1.5px solid rgba(255,255,255,.42)}
.btn-ghost:hover{background:rgba(255,255,255,.18)}
.herofacts{display:flex;flex-wrap:wrap;gap:8px;margin-top:6px}
.herofacts span{font-size:13px;background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);
  padding:5px 11px;border-radius:20px;color:#dcebe2}

/* ---- disclosure ---- */
.disclose{background:#fff5e8;border-top:2px solid var(--clay);border-bottom:1px solid var(--line);
  font-size:14.5px;color:#5c4429;padding:12px 0}
.disclose strong{color:#7a3d13}

/* ---- sections ---- */
main{padding:34px 0 10px}
section{margin:0 0 34px}
h2{font-family:var(--serif);font-size:25px;line-height:1.25;margin:0 0 12px;color:var(--pine-dk)}
h3{font-size:18.5px;margin:26px 0 8px;color:var(--pine-dk)}
h4{font-size:16.5px;margin:18px 0 6px;color:var(--pine-dk)}
p{margin:0 0 15px}
.muted{color:var(--muted)}
ul.ticks{list-style:none;padding:0;margin:0 0 16px}
ul.ticks li{padding:6px 0 6px 27px;position:relative}
ul.ticks li:before{content:"";position:absolute;left:2px;top:14px;width:9px;height:9px;
  border-radius:2px;background:var(--clay)}
.plain{padding-left:22px;margin:0 0 15px}
.plain li{margin-bottom:7px}

/* ---- cards ---- */
.grid{display:grid;gap:14px;grid-template-columns:1fr}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px 18px 16px}
.card h3{margin:0 0 7px;font-size:17.5px}
.card p{font-size:15.5px;margin:0 0 11px;color:var(--muted)}
.card a.more{font-weight:700;text-decoration:none;font-size:15px;color:var(--clay-dk)}
.card a.more:hover{text-decoration:underline}
a.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:9px;
  padding:13px 15px;text-decoration:none;color:var(--pine-dk)}
a.tile:hover{border-color:var(--clay);background:#fff}
a.tile b{display:block;font-size:16px}
a.tile span{display:block;font-size:13px;color:var(--muted);margin-top:2px}

/* ---- panels ---- */
.panel{background:#fff;border:1px solid var(--line);border-left:4px solid var(--pine);
  border-radius:9px;padding:17px 18px;margin:0 0 20px}
.panel.warm{border-left-color:var(--clay);background:#fffaf4}
.panel h3{margin-top:0}
.panel p:last-child{margin-bottom:0}

/* ---- form ---- */
.formwrap{background:#fff;border:1px solid var(--line);border-radius:11px;padding:20px 18px;
  box-shadow:0 2px 14px rgba(20,40,30,.06)}
.formwrap h2{margin-top:0;font-size:22px}
label{display:block;font-weight:700;font-size:14.5px;margin:0 0 5px;color:var(--pine-dk)}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:11px 12px;border:1.5px solid #cfc6b6;
  border-radius:7px;background:#fff;color:var(--ink);margin-bottom:14px;-webkit-appearance:none}
input:focus,select:focus,textarea:focus{outline:0;border-color:var(--pine);box-shadow:0 0 0 3px rgba(30,61,48,.13)}
textarea{min-height:110px;resize:vertical}
.hp{position:absolute;left:-9999px}
.fineprint{font-size:13px;color:var(--muted);margin:10px 0 0;line-height:1.55}

/* ---- faq ---- */
details{background:#fff;border:1px solid var(--line);border-radius:9px;padding:14px 16px;margin-bottom:10px}
details[open]{border-color:var(--pine)}
summary{font-weight:700;cursor:pointer;font-size:16.5px;color:var(--pine-dk);list-style:none}
summary::-webkit-details-marker{display:none}
summary:before{content:"+ ";color:var(--clay);font-weight:800}
details[open] summary:before{content:"\2212 "}
details p{margin:11px 0 0;font-size:15.5px;color:var(--muted)}

/* ---- cta strip ---- */
.ctastrip{background:var(--pine);color:#fff;border-radius:11px;padding:24px 20px;text-align:center;margin:32px 0}
.ctastrip h2{color:#fff;margin-bottom:8px}
.ctastrip p{color:#cbdfd3;max-width:560px;margin:0 auto 18px;font-size:16px}

/* ---- table ---- */
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);
  border-radius:9px;overflow:hidden;font-size:15px;margin:0 0 18px}
th,td{padding:11px 13px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:#f1ece1;font-size:13.5px;text-transform:uppercase;letter-spacing:.05em;color:var(--pine-dk)}
tr:last-child td{border-bottom:0}

/* ---- breadcrumb ---- */
.crumb{font-size:13.5px;color:var(--muted);margin:0 0 14px}
.crumb a{color:var(--muted)}

/* ---- footer ---- */
footer{background:var(--pine-dk);color:#b9cfc2;margin-top:36px;padding:30px 0 22px;font-size:14.5px}
footer h4{color:#fff;font-size:14px;text-transform:uppercase;letter-spacing:.08em;margin:0 0 10px}
footer a{color:#d5e6dc;text-decoration:none}
footer a:hover{text-decoration:underline}
.fcols{display:grid;gap:24px;grid-template-columns:1fr}
.fcols ul{list-style:none;padding:0;margin:0}
.fcols li{margin-bottom:7px}
.fphone{display:inline-block;background:var(--clay);color:#fff;font-weight:700;padding:11px 18px;
  border-radius:7px;text-decoration:none;margin:6px 0 12px;font-size:16px}
.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:26px;padding-top:18px;font-size:13px;color:#8fa89a}
.legal p{margin:0 0 8px}

/* ---- sticky mobile call ---- */
.stickycall{position:fixed;left:0;right:0;bottom:0;z-index:80;background:var(--clay);color:#fff;
  text-align:center;padding:13px 10px;font-weight:700;text-decoration:none;font-size:16.5px;
  box-shadow:0 -2px 12px rgba(0,0,0,.2)}
body{padding-bottom:56px}

@media(min-width:700px){
  body{font-size:17.5px;padding-bottom:0}
  .stickycall{display:none}
  .hero{padding:56px 0 50px}
  .hero h1{font-size:41px}
  .grid.g2{grid-template-columns:1fr 1fr}
  .grid.g3{grid-template-columns:1fr 1fr 1fr}
  .grid.g4{grid-template-columns:1fr 1fr}
  h2{font-size:29px}
  .fcols{grid-template-columns:1.4fr 1fr 1fr}
  .formwrap{padding:26px 26px 22px}
  .row2{display:grid;grid-template-columns:1fr 1fr;gap:0 16px}
}
@media(min-width:960px){
  .grid.g4{grid-template-columns:repeat(4,1fr)}
}