*{box-sizing:border-box}html{scroll-behavior:smooth}@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:Poppins,Arial,sans-serif;font-size:1.125rem;line-height:1.65}img,video{max-width:100%;display:block}
.wrap{max-width:1180px;margin:0 auto;padding:0 1.25rem}.narrow{max-width:800px}.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.skip-link{position:absolute;left:1rem;top:-100px;background:#ffd166;color:#000;padding:.75rem 1rem;font-weight:700;z-index:10}.skip-link:focus{top:1rem}
:focus-visible{outline:3px solid #ffbf00;outline-offset:3px}main:focus,section:focus{outline:none}
.topbar{font-size:.95rem;text-align:center;padding:.5rem 0}.topbar a{color:inherit;font-weight:700}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:80px}.brand{margin:0;font-weight:700;font-size:1.3rem;line-height:1.2}.brand span{display:block;font-weight:400;font-size:.9rem}
.nav{display:flex;gap:1.5rem;list-style:none;margin:0;padding:0}.nav a{color:inherit;text-decoration:none;font-weight:600;padding:.75rem .25rem;display:inline-block}.nav a:hover{text-decoration:underline}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:.8rem 1.6rem;font-weight:700;text-decoration:none;border-radius:999px;border:2px solid transparent}.btn-large{font-size:1.2rem;min-height:60px;margin-top:1.5rem;padding:1rem 2.2rem}.btn-small{white-space:nowrap;font-size:1rem}
.sec{padding:5rem 0}h1,h2,h3{line-height:1.15;margin:0 0 .75rem}h2{font-size:clamp(2rem,4vw,2.8rem)}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:700;font-size:.9rem;margin:0 0 .5rem}
.ic{width:44px;height:44px}.trust-list{list-style:none;margin:0;padding:1.5rem 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.trust-list li{display:flex;gap:.75rem;align-items:center}.trust-list .ic{width:36px;height:36px;flex:none}
.steps,.cards,.tgrid{list-style:none;padding:0;margin:2rem 0 0;display:grid;gap:1.5rem}.steps{grid-template-columns:repeat(3,1fr)}.cards{grid-template-columns:repeat(5,1fr)}.tgrid{grid-template-columns:repeat(3,1fr)}
.step,.card,.tcard{padding:1.75rem;position:relative}.num{font-weight:800;font-size:1rem}
.story-grid{display:grid;grid-template-columns:5fr 7fr;gap:3.5rem;align-items:center}.photo{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover}.pull{font-size:1.5rem;font-weight:600;margin-top:1.5rem}
blockquote{margin:0}.who{font-weight:700;margin:1rem 0 0}.note{font-style:italic}
.quote-grid{display:grid;grid-template-columns:4fr 7fr;gap:3rem;align-items:start}.checks{padding-left:1.25rem}.formbox{padding:1rem;border-radius:16px;background:#fff;color:#1a1a1a}.formbox a{color:#0b3d91}
details{border-bottom:2px solid currentColor;padding:.25rem 0}summary{cursor:pointer;font-weight:700;font-size:1.2rem;padding:1rem 0;min-height:48px}
.site-footer{padding:3.5rem 0}.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}.ft{font-size:1.5rem}.contact{list-style:none;padding:0;margin:0}.contact address{display:inline;font-style:normal}.site-footer a{color:inherit}.disclaimer,.small{grid-column:1/-1;font-size:.95rem}
.vid{margin:0;position:relative}.vid video{width:100%;height:auto}.vctl{display:flex;gap:.75rem;margin-top:.75rem}.vbtn{min-height:48px;min-width:48px;padding:.6rem 1.2rem;font:inherit;font-weight:700;border-radius:999px;cursor:pointer}
@media (max-width:900px){.nav{display:none}.trust-list,.steps,.tgrid{grid-template-columns:1fr 1fr}.cards{grid-template-columns:1fr 1fr}.story-grid,.quote-grid,.fgrid{grid-template-columns:1fr}.sec{padding:3.5rem 0}}
@media (max-width:560px){.trust-list,.steps,.tgrid,.cards{grid-template-columns:1fr}.brand span{display:none}.header-inner .btn-small{padding:.6rem 1rem}}
body{color:#fff;background:#000;font-size:1.2rem}.topbar{background:#ffd60a;color:#000;font-weight:600}.site-header{background:#000;border-bottom:3px solid #ffd60a}.brand span{color:#ffd60a}
.btn{background:#ffd60a;color:#000;border-radius:8px;text-transform:uppercase;letter-spacing:.05em}.btn:hover{background:#fff}:focus-visible{outline-color:#fff}
.hero{padding:4rem 0;background:#000}.hero-grid{display:grid;grid-template-columns:3fr 2fr;gap:3rem;align-items:center}.hero h1{font-size:clamp(3rem,7vw,5.6rem);font-weight:800;letter-spacing:-.02em;text-transform:uppercase;line-height:.95}.hero h1 span{color:#ffd60a;display:block}
.hero .lead{font-size:1.5rem;font-weight:600}.vid video{border:4px solid #ffd60a;border-radius:8px;aspect-ratio:9/16;object-fit:cover;max-height:600px;width:auto;margin-left:auto}.vctl{justify-content:flex-end}.vbtn{background:#000;color:#fff;border:3px solid #fff;border-radius:8px}.vbtn:hover{background:#fff;color:#000}
.eyebrow{color:#ffd60a}.trust{background:#ffd60a;color:#000}.trust-list{font-size:1.1rem}
.how{background:#111}.step{border:3px solid #fff;border-radius:8px}.step .ic{color:#ffd60a;margin-bottom:1rem}.num{position:absolute;top:-1px;right:-1px;background:#ffd60a;color:#000;padding:.4rem .9rem;font-size:1.3rem;border-radius:0 6px 0 8px}
.coverage{background:#fff;color:#000}.coverage .eyebrow{color:#000;background:#ffd60a;display:inline-block;padding:.2rem .6rem}.card{background:#000;color:#fff;border-radius:8px}.card .ic{color:#ffd60a;margin-bottom:1rem}.coverage .btn{background:#000;color:#ffd60a}.coverage .btn:hover{background:#333}
.photo{border:4px solid #ffd60a;border-radius:8px;filter:grayscale(.15)}.story h2{font-size:clamp(2.2rem,4.5vw,3.4rem);text-transform:uppercase}.pull{color:#ffd60a;font-size:1.7rem}
.testimonials{background:#111}.tcard{border:3px solid #ffd60a;border-radius:8px}.quote{background:#ffd60a;color:#000}.quote .eyebrow{color:#000}.formbox{border:4px solid #000}
.faq{background:#000}details{border-color:#ffd60a}summary{font-size:1.3rem}.site-footer{background:#111;border-top:3px solid #ffd60a}
@media (max-width:900px){.hero-grid{grid-template-columns:1fr}.vid video{margin:0 auto;max-height:460px}.vctl{justify-content:center}}.topbar :focus-visible,.trust :focus-visible,.quote :focus-visible,.btn:focus-visible,.coverage :focus-visible{outline-color:#000;box-shadow:0 0 0 6px #fff}

.hero-form{margin-top:1.5rem;max-width:620px;padding:.25rem;overflow:hidden}.hero-form .form-t{margin:0 0 .5rem;font-weight:800;font-size:1.4rem;text-transform:uppercase}.hero-form iframe{display:block;width:100%;border:none}.hero-form .small{font-size:.95rem;margin:.5rem 0 0}.hero{padding:2.5rem 0 4rem}.hero-grid{align-items:start}.hero h1{font-size:clamp(2.6rem,6vw,4.6rem)}
.mbar{display:none}
@media (max-width:900px){.mbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:50;background:#ffd60a;border-top:3px solid #000}.mbar a{flex:1;text-align:center;padding:1rem .5rem;font-weight:800;color:#000;text-decoration:none;text-transform:uppercase}.mbar a+a{border-left:2px solid #000}body{padding-bottom:64px}.hero-form{max-width:none}}
@media (max-width:600px){.header-inner .btn-small{font-size:.8rem}}
.hero-cta{margin-top:1.75rem}.quote-page{padding:2rem 0 3rem}.quote-page .qh{font-size:clamp(2.2rem,5vw,3.6rem);margin:.5rem 0}.quote-page .hero-form{max-width:none}.back{color:#ffd60a;font-weight:700;text-decoration:none}
.step-link{display:block;color:inherit;text-decoration:none;height:100%;margin:-.01px}.step:has(.step-link){cursor:pointer}.step-link:hover h3,.step-link:focus-visible h3{text-decoration:underline}.step{transition:transform .15s}.step:hover{transform:translateY(-2px)}
.step{position:relative}.step-link::after{content:"";position:absolute;inset:0;z-index:1}

/* v8: compact topbar, centered hero CTA, compact coverage strip, 3-box mobile contact bar */
.topbar .wrap{white-space:nowrap;overflow:hidden;text-overflow:ellipsis}.topbar a{white-space:nowrap}
@media (max-width:560px){.topbar{font-size:clamp(.74rem,3.55vw,.9rem);padding:.45rem 0;letter-spacing:-.005em}.topbar .wrap{padding:0 .5rem}}
@media (max-width:900px){.hero-cta{display:flex;width:fit-content;margin-left:auto;margin-right:auto}}
.strip{display:flex;align-items:center;justify-content:center;gap:.6rem 1.75rem;flex-wrap:wrap;padding-top:.85rem;padding-bottom:.85rem}
.strip-t{margin:0;font-weight:700;font-size:1.05rem;line-height:1.3;text-align:center}
.strip-list{list-style:none;margin:0;padding:0;display:flex;gap:.6rem;flex-wrap:nowrap}
.strip-list li{display:inline-flex;align-items:center;gap:.4rem;background:#000;color:#ffd60a;border-radius:999px;padding:.3rem .85rem .3rem .6rem;font-weight:700;font-size:.95rem;line-height:1.2}
.strip-list .ic{width:20px;height:20px;flex:none}.strip-list span{color:#fff}
@media (max-width:560px){.strip{flex-direction:column;gap:.45rem;padding-top:.6rem;padding-bottom:.65rem}.strip-t{font-size:.92rem}
.strip-list{width:100%;justify-content:space-between;gap:.3rem}.strip-list li{flex:1;justify-content:center;font-size:.78rem;padding:.3rem .35rem;gap:.25rem}.strip-list .ic{width:16px;height:16px}}
.mbar-t,.mbar-row{display:none}
@media (max-width:900px){.mbar{display:block;padding:.2rem .5rem calc(.4rem + env(safe-area-inset-bottom));border-top:3px solid #000}
.mbar-t{display:block;margin:0 0 .2rem;text-align:center;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;line-height:1.3;color:#000}
.mbar-row{display:grid;grid-template-columns:repeat(3,1fr);gap:.4rem}
.mbar .mbar-row a{display:flex;align-items:center;justify-content:center;gap:.35rem;min-height:44px;padding:.35rem .25rem;background:#000;color:#ffd60a;border-radius:8px;font-size:.95rem;font-weight:800;letter-spacing:.04em;text-transform:uppercase;text-decoration:none;border:0}
.mbar .mbar-row a+a{border-left:0}.mbar .mbar-row a span{color:#fff}.mbar .mic{width:18px;height:18px;flex:none}
.mbar a:focus-visible{outline:3px solid #fff;outline-offset:2px}
body{padding-bottom:calc(84px + env(safe-area-inset-bottom))}}
.fgrid>*{min-width:0}.contact a{overflow-wrap:anywhere}