:root{--ink:#14232e;--mut:#5b6b77;--line:#dde6ec;--bg:#f6f9fb;--pri:#0f5f86;--pri2:#0b4767;--acc:#1f9d6b;--warm:#f4b43a}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}body{margin:0;font:16px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:var(--pri)}h1{font-size:clamp(1.6rem,4.5vw,2.3rem);line-height:1.2;margin:.4em 0}h2{font-size:1.3rem;margin:1.4em 0 .5em}h3{margin:0 0 .2em;font-size:1.05rem}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}.muted{color:var(--mut)}.small{font-size:.88rem}.lead{font-size:1.1rem;color:var(--mut);margin-top:0}
.top{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.top .wrap{display:flex;align-items:center;gap:14px;min-height:58px;flex-wrap:wrap}
.logo{font-weight:800;font-size:1.15rem;color:var(--ink);text-decoration:none;margin-right:auto}.logo b{color:var(--pri)}
.top nav{display:flex;gap:4px;overflow-x:auto;order:3;width:100%;padding-bottom:6px}.top nav a{text-decoration:none;color:var(--ink);padding:6px 10px;border-radius:8px;white-space:nowrap;font-size:.93rem}.top nav a:hover{background:var(--bg)}
.cta-sm{background:var(--acc);color:#fff;text-decoration:none;font-weight:700;padding:8px 14px;border-radius:999px;font-size:.92rem}
@media(min-width:860px){.top nav{order:0;width:auto;padding:0}}
.crumbs{font-size:.85rem;color:var(--mut);margin:14px 0 0}.crumbs a{color:var(--mut)}
.hero{background:linear-gradient(135deg,#0b4767,#1279a8);color:#fff;border-radius:18px;padding:36px 22px;margin:18px 0}.hero p{max-width:640px;opacity:.95}.trust{font-size:.9rem}
.btn{display:inline-block;background:var(--acc);color:#fff;font-weight:700;padding:12px 18px;border-radius:10px;text-decoration:none;border:0}.btn.big{font-size:1.1rem;padding:14px 24px}.btn.alt{background:#fff;color:var(--pri2);border:1.5px solid var(--pri)}
.actions{display:flex;gap:10px;flex-wrap:wrap;margin:10px 0 18px}
.grid{display:grid;gap:12px;grid-template-columns:repeat(auto-fill,minmax(220px,1fr))}.tile{display:block;border:1px solid var(--line);border-radius:14px;padding:16px;text-decoration:none;color:var(--ink);background:#fff;font-weight:700;transition:.15s}.tile:hover{border-color:var(--pri);box-shadow:0 4px 14px rgba(15,95,134,.1)}.tile small{display:block;font-weight:400;color:var(--mut);margin-top:4px}.tile span{font-size:1.5rem;display:block}
.cols{display:grid;gap:28px}@media(min-width:900px){.cols{grid-template-columns:1fr 360px}.cols aside{position:sticky;top:76px;align-self:start}}
.cols3{columns:2;padding-left:18px}@media(min-width:700px){.cols3{columns:3}}.cols3 li{break-inside:avoid;margin-bottom:3px}
.list{display:grid;gap:10px}.co{border:1px solid var(--line);border-radius:12px;padding:14px;background:#fff}.co p{margin:0 0 6px;font-size:.9rem}.co .tel{display:inline-block;margin-top:8px;font-weight:700;text-decoration:none}
.chip{display:inline-block;background:var(--bg);border:1px solid var(--line);border-radius:999px;padding:1px 9px;font-size:.78rem;margin:0 4px 4px 0}
.lic{color:var(--acc);font-weight:600}.box{border:1px solid var(--line);border-radius:12px;padding:4px 16px;margin:12px 0}.box h2{font-size:1.05rem;margin:.8em 0 .3em}
.filter{display:flex;gap:6px;flex-wrap:wrap;margin:8px 0 14px}.filter button{border:1px solid var(--line);background:#fff;border-radius:999px;padding:6px 12px;font:inherit;font-size:.88rem;cursor:pointer}.filter button.on{background:var(--pri);color:#fff;border-color:var(--pri)}
.quote{background:var(--bg);border:1px solid var(--line);border-radius:16px;padding:18px;margin:18px 0}.quote h2{margin-top:0}
form{display:grid;gap:10px}label{display:grid;gap:4px;font-size:.9rem;font-weight:600}.row{display:grid;gap:10px;grid-template-columns:1fr 1fr}
input,select,textarea{font:inherit;font-weight:400;padding:11px;border:1px solid #b8c8d3;border-radius:9px;width:100%;background:#fff}
.consent{display:flex;gap:8px;font-weight:400;font-size:.8rem;color:var(--mut)}.consent input{width:auto}
button[type=submit]{font:inherit;font-weight:800;background:var(--acc);color:#fff;border:0;padding:14px;border-radius:10px;cursor:pointer;font-size:1.02rem}
.hp{position:absolute;left:-9999px}.note{background:#fff8e6;border-left:4px solid var(--warm);padding:10px 14px;border-radius:6px;margin:12px 0}
.claim{background:#eef7f2;border-radius:10px;padding:12px 14px;margin:14px 0}.badge{display:inline-block;background:var(--warm);font-weight:800;padding:3px 10px;border-radius:999px}
.ad-slot{min-height:0;margin:18px 0}.ad-slot:empty{display:block}
.prose{max-width:720px}.prose table{border-collapse:collapse;width:100%}.prose td,.prose th{border:1px solid var(--line);padding:8px;text-align:left}
.guides li{margin-bottom:6px}
footer{background:#0f1d27;color:#c2d0da;margin-top:48px;padding:30px 0;font-size:.9rem}footer a{color:#9fd3f5}.fgrid{display:grid;gap:18px}@media(min-width:800px){.fgrid{grid-template-columns:2fr 2fr 1.5fr}}.fine{border-top:1px solid #243845;padding-top:14px;font-size:.8rem;color:#93a6b3}
.locbox{display:flex;flex-wrap:wrap;align-items:center;gap:10px;margin:14px 0}.locbox .locbtn{font-size:1.15rem;padding:15px 22px;background:var(--warm);color:var(--ink);box-shadow:0 3px 10px rgba(0,0,0,.15);cursor:pointer}.locbox .locbtn:disabled{opacity:.7}
.locbox .or{opacity:.85}.zipgo{display:flex;gap:6px}.zipgo input{width:8.5em;padding:12px}.zipgo .btn{padding:12px 16px;cursor:pointer}
.locmsg{flex-basis:100%;margin:2px 0 0;background:rgba(255,255,255,.95);color:var(--ink);padding:10px 12px;border-radius:9px;font-size:.95rem}
.locbox.compact{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:12px}.locbox.compact .locbtn{font-size:1.02rem;padding:12px 18px}
.locq{margin:18px 0 0;font-weight:700}.cta-link{color:#fff;font-weight:600}.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
@media(max-width:480px){.locbox .locbtn{width:100%}.locbox .or{display:none}.zipgo{flex:1}.zipgo input{flex:1;width:auto}}