:root{
  --ink:#17212b;
  --muted:#5d6975;
  --line:#dde5e3;
  --bg:#fbfcf7;
  --card:#fff;
  --blue:#123c5a;
  --green:#168262;
  --orange:#f05a28;
  --soft:#edf6f0;
  --shadow:0 22px 55px -36px rgba(18,60,90,.45);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5}
a{text-decoration:none;color:inherit}
img{display:block;max-width:100%;height:auto}
.topbar{position:sticky;top:0;z-index:10;display:flex;align-items:center;justify-content:space-between;gap:18px;padding:14px max(18px,calc((100vw - 1180px)/2));background:rgba(255,255,255,.9);border-bottom:1px solid var(--line);backdrop-filter:blur(14px)}
.brand{display:flex;align-items:center;gap:10px;font-size:22px;color:var(--blue)}
.brand span{display:grid;place-items:center;width:44px;height:44px;border-radius:8px;background:linear-gradient(135deg,var(--blue),var(--green));color:#fff;font-weight:900;font-size:16px}
.topbar nav{display:flex;gap:8px}
.topbar nav a{padding:9px 12px;border-radius:8px;color:#344453;font-weight:700;font-size:14px}
.topbar nav a:hover{background:var(--soft)}
.phone{padding:11px 16px;border-radius:8px;background:var(--orange);color:#fff;font-weight:800}
.hero{display:grid;grid-template-columns:minmax(0,1.1fr) 420px;gap:34px;align-items:center;padding:72px max(18px,calc((100vw - 1180px)/2));background:radial-gradient(circle at 78% 12%,rgba(240,90,40,.22),transparent 32%),linear-gradient(135deg,#0f2d45,#12606e 58%,#168262);color:#fff}
.tag{margin:0 0 10px;text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:900;color:var(--orange)}
.hero .tag{color:#ffb099}
h1,h2,h3,p{overflow-wrap:anywhere}
h1{margin:0;font-size:clamp(38px,6vw,72px);line-height:1.02;letter-spacing:0;max-width:780px}
.lead{font-size:20px;max-width:690px;color:rgba(255,255,255,.9)}
.actions,.proof{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:13px 19px;border-radius:8px;font-weight:900}
.btn.primary{background:var(--orange);color:#fff}
.btn.light{background:#fff;color:var(--blue)}
.proof span{border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:8px 12px;background:rgba(255,255,255,.1);font-size:14px}
.callbox{background:#fff;color:var(--ink);border-radius:8px;padding:14px;box-shadow:var(--shadow)}
.callbox img{width:100%;height:160px;object-fit:cover;border-radius:8px;margin-bottom:14px}
.callrow{display:flex;align-items:center;gap:12px;padding:14px;border:1px solid var(--line);border-radius:8px;background:#f8fbf9}
.callrow span{display:grid;place-items:center;width:48px;height:48px;border-radius:8px;background:var(--orange);color:#fff;font-weight:900}
.callrow small{display:block;color:var(--muted);font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.callrow strong{display:block;font-size:27px;color:var(--blue);line-height:1}
.callbox ul{list-style:none;margin:16px 0;padding:0;display:grid;gap:9px}
.callbox li{display:flex;gap:10px;color:#32404d}
.callbox li:before{content:"+";color:var(--green);font-weight:900}
.wide{width:100%}
.steps,.plans,.split,.notice,.faq,.final,.provider-section,.state-strip{padding:64px max(18px,calc((100vw - 1180px)/2))}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;background:#fff}
.steps article,.grid article,.list,.notice{border:1px solid var(--line);border-radius:8px;background:#fff;padding:24px;box-shadow:0 16px 32px -28px rgba(23,33,43,.35)}
.steps b{display:grid;place-items:center;width:38px;height:38px;border-radius:50%;background:var(--blue);color:#fff}
.section-head{text-align:center;max-width:760px;margin:0 auto 32px}
.section-head h2,.split h2,.notice h2,.faq h2,.final h2{font-size:clamp(30px,4vw,46px);line-height:1.08;margin:0 0 10px;color:var(--blue)}
.section-head p,.split p,.notice p,.faq p{color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.coverage-grid{grid-template-columns:repeat(4,1fr)}
.grid article{display:flex;flex-direction:column}
.grid h3{font-size:22px;color:var(--blue);margin:0 0 8px}
.grid a{margin-top:auto;color:var(--orange);font-weight:900}
.grid .featured{border:2px solid var(--orange)}
.provider-section{background:#fff}
.provider-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;max-width:1000px;margin:0 auto}
.provider-grid span{display:flex;align-items:center;justify-content:center;min-height:66px;border:1px solid var(--line);border-radius:8px;background:#f8fbf9;color:var(--blue);font-weight:900;text-align:center;padding:12px}
.provider-note{max-width:820px;margin:18px auto 0;text-align:center;color:var(--muted);font-size:14px}
.state-strip{background:#102f48;color:#fff;text-align:center}
.state-strip h2{font-size:clamp(28px,4vw,42px);line-height:1.1;margin:0 0 10px}
.state-strip p{max-width:900px;margin:0 auto;color:rgba(255,255,255,.82)}
.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:28px;align-items:start;background:var(--soft)}
.list{display:grid;gap:12px}
.list p{margin:0}
.notice{max-width:1180px;margin:0 auto}
.faq{max-width:900px;margin:0 auto}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{cursor:pointer;font-weight:900;color:var(--blue)}
.final{text-align:center;background:linear-gradient(135deg,#102f48,#168262);color:#fff}
.final h2{color:#fff}
footer{padding:32px 18px;text-align:center;background:#fff;border-top:1px solid var(--line);color:var(--muted)}
footer a{font-weight:800;color:var(--blue);margin:0 8px}
.legal{max-width:880px;margin:0 auto;padding:64px 18px}
.legal h1{font-size:46px;color:var(--blue)}
.legal h2{margin-top:28px;color:var(--blue)}
.legal p{color:var(--muted)}
@media(max-width:900px){
  .hero,.split{grid-template-columns:1fr}
  .grid,.steps,.coverage-grid,.provider-grid{grid-template-columns:1fr 1fr}
  .topbar nav{display:none}
}
@media(max-width:560px){
  .topbar{align-items:flex-start;flex-direction:column}
  .phone{width:100%;text-align:center}
  .grid,.steps,.coverage-grid,.provider-grid{grid-template-columns:1fr}
  h1{font-size:38px}
}