/* ---------- base structure (shared by all three concepts) ---------- */
*,*::before,*::after{box-sizing:border-box}
html{font-size:16px;-webkit-text-size-adjust:100%;text-size-adjust:100%}
body{margin:0;background:var(--ground);color:var(--ink);font-family:var(--body);font-size:1.1875rem;line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased}
.page{background:var(--ground);overflow:hidden;min-height:100vh}
main{display:block;margin:0;padding:0}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
h1,h2,h3{font-family:var(--display);margin:0;color:var(--head)}
p{margin:0}
ul,ol{margin:0;padding:0;list-style:none}
a{color:var(--link)}
.ic,.ck{width:1em;height:1em;display:block;flex:none}
:focus-visible{outline:3px solid var(--focus);outline-offset:3px}
.zone{padding:56px 0;overflow:hidden;margin:0}
.site-header,.site-footer{margin:0;overflow:hidden}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--head);min-height:44px}
.hdr-phone{display:flex;align-items:center;gap:8px;min-height:44px;text-decoration:none;font-weight:800;font-variant-numeric:tabular-nums;white-space:nowrap}
.hdr-phone .ic{font-size:1.125rem}
.hdr-num{font-size:1.0625rem}
.hdr-tag{display:none}
.hero{padding:14px 0 40px}
.hero-grid{display:grid;gap:18px;grid-template-columns:minmax(0,1fr)}
.eyebrow .nw{white-space:nowrap}
.eyebrow{font-size:.875rem;font-weight:800;letter-spacing:.06em;text-transform:uppercase;line-height:1.35;display:flex;align-items:center;flex-wrap:wrap;row-gap:4px}
.hero-photo{margin:14px 0 0;position:relative;aspect-ratio:16/9;display:grid}
.hero-photo img{grid-area:1/1;width:100%;height:100%;object-fit:cover;display:block;position:relative;z-index:1}
.hero-photo figcaption{grid-area:1/1;align-self:end;font-size:.8125rem;font-weight:700;padding:8px 12px;z-index:0}
h1{font-size:2.25rem;line-height:1.06;letter-spacing:-.02em;margin-top:8px}
.sub{font-size:1.1875rem;line-height:1.45;margin-top:10px;color:var(--sub)}
.call-btn{display:flex;align-items:center;gap:14px;width:100%;min-height:72px;padding:10px 16px;margin-top:16px;text-decoration:none;font-variant-numeric:tabular-nums}
.call-ic{display:flex;align-items:center;justify-content:center;width:42px;height:42px;border-radius:50%;flex:none;font-size:1.5rem}
.call-txt{display:flex;flex-direction:column;line-height:1.05;min-width:0}
.call-txt .cl{font-size:.875rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.call-txt .cn{font-size:1.75rem;font-weight:900;white-space:nowrap;letter-spacing:-.01em;margin-top:3px}
.chips{display:grid;grid-template-columns:1fr 1fr;gap:6px 12px;margin-top:14px}
.chips li{display:flex;align-items:center;gap:7px;font-size:.9375rem;font-weight:700;line-height:1.25}
.chips .ck,.chips .ic{font-size:1.125rem}
.label{font-size:.8125rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px;line-height:1.3}
h2{font-size:1.875rem;line-height:1.15;letter-spacing:-.015em}
h3{font-size:1.25rem;line-height:1.3}
.steps{margin-top:28px;display:grid;gap:16px}
.step{display:grid;grid-template-columns:52px minmax(0,1fr);gap:16px;align-items:start}
.step-n{display:flex;align-items:center;justify-content:center;width:52px;height:52px;font-family:var(--display);font-weight:900;font-size:1.5rem}
.step p{margin-top:6px}
.handle-list{margin-top:24px;display:grid;grid-template-columns:minmax(0,1fr)}
.handle-list li{display:flex;align-items:center;gap:12px;padding:14px 0;font-weight:600;line-height:1.35}
.handle-list .ck,.handle-list .ic{font-size:1.25rem}
.handle-clock{margin-top:22px;max-width:60ch;font-weight:600;color:var(--sub)}
.ins-sub{margin-top:14px;max-width:60ch}
.ins-grid{margin-top:24px;display:grid;gap:12px}
.ins-card{padding:18px;border-radius:14px}
.ins-card p{margin-top:6px}
.ins-steps{margin-top:24px;display:grid;gap:14px}
.ins-steps li{display:grid;grid-template-columns:44px minmax(0,1fr);gap:14px;align-items:start}
.ins-steps .step-n{width:44px;height:44px;font-size:1.25rem}
.ins-steps p{margin-top:4px}
.ins-calm{margin-top:24px;max-width:60ch;font-weight:700}
.why-list{margin-top:28px;display:grid;gap:24px}
.why-list p{margin-top:6px}
.towns{display:flex;flex-wrap:wrap;gap:8px 10px;margin-top:22px}
.towns li{font-family:var(--display);font-weight:800;font-size:1.125rem;line-height:1.3}
.zips-lead{margin-top:22px;font-size:.8125rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}
.zips-wrap{margin-top:22px}
.zips-wrap summary{list-style:none;cursor:pointer;display:inline-flex;align-items:center;gap:8px;min-height:44px;font-size:1rem;font-weight:800;color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.zips-wrap summary::-webkit-details-marker{display:none}
.zips-wrap summary::after{content:"";width:9px;height:9px;border-right:2.5px solid currentColor;border-bottom:2.5px solid currentColor;transform:rotate(45deg);margin-top:-5px}
.zips-wrap[open] summary::after{transform:rotate(-135deg);margin-top:5px}
.zips-close{display:none}
.zips-wrap[open] .zips-open{display:none}
.zips-wrap[open] .zips-close{display:inline}
.zips{display:flex;flex-wrap:wrap;gap:6px;margin-top:12px}
.zip{font-size:.9375rem;font-variant-numeric:tabular-nums;font-weight:600;padding:3px 8px;line-height:1.4}
.area-note{margin-top:20px;font-weight:700}
.faq-list{margin-top:24px;max-width:780px}
.qa{padding:20px 0}
.qa p{margin-top:8px}
.form-card{padding:16px 16px 18px;position:relative}
.form-lead{font-weight:700;font-size:1.1875rem;line-height:1.45;color:var(--head)}
.form-error{margin-top:12px;padding:10px 12px;font-size:1rem;font-weight:700;line-height:1.4;color:#8A1414;background:#FDECEC;border-left:4px solid #B42318}
.form-error[hidden]{display:none}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.field{margin-top:14px;min-width:0}
.field label{display:block;font-weight:700;font-size:1.0625rem;line-height:1.3;margin-bottom:6px;color:var(--head)}
.row2{display:grid;grid-template-columns:minmax(0,1.55fr) minmax(0,1fr);gap:12px}
.lead-form input[type=text],.lead-form input[type=tel],.lead-form textarea{width:100%;display:block;font:inherit;font-size:1.1875rem;line-height:1.4;min-height:56px;padding:12px 14px;background:#fff;color:var(--ink);border:2px solid var(--field);border-radius:var(--r);margin:0}
.lead-form textarea{min-height:84px;resize:vertical}
.lead-form input:focus,.lead-form textarea:focus{outline:3px solid var(--focus);outline-offset:1px;border-color:var(--focus)}
.is-invalid input,.is-invalid textarea{border-color:#B42318!important;background:#FFF6F5}
.consent.is-invalid{outline:2px solid #B42318;outline-offset:4px}
.consent{display:flex;gap:12px;align-items:flex-start;margin-top:16px;font-size:.9375rem;line-height:1.5;color:var(--sub);cursor:pointer;min-height:44px}
.consent input{width:26px;height:26px;flex:none;margin:1px 0 0;accent-color:var(--focus)}
.consent a{color:var(--link);font-weight:700}
.submit{display:block;width:100%;min-height:60px;margin-top:16px;padding:12px 16px;font:inherit;font-family:var(--display);font-size:1.25rem;font-weight:800;cursor:pointer;border:0}
.form-note{margin-top:10px;font-size:.9375rem;line-height:1.45;color:var(--sub);text-align:center}
.site-footer{padding:40px 0}
.site-footer p{font-size:1rem;line-height:1.6;margin-top:8px}
.site-footer p:first-child{margin-top:0}
.site-footer a{display:inline-block;min-height:44px;line-height:44px;font-weight:700}
.site-footer .f-brand{font-weight:700}
.site-footer .disclosure{font-size:.875rem;margin-top:16px;max-width:720px}
.site-footer .copy{font-size:.875rem}
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:50;padding:8px 12px calc(8px + env(safe-area-inset-bottom));transition:transform .25s ease,visibility .25s}
.callbar.is-parked{transform:translateY(110%);visibility:hidden}
.callbar-btn{display:flex;align-items:center;justify-content:center;gap:14px;min-height:64px;padding:6px 16px;text-decoration:none;font-variant-numeric:tabular-nums}
.callbar-btn .ic{font-size:1.75rem}
.cb-txt{display:flex;flex-direction:column;line-height:1.05}
.cb-top{font-size:.8125rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;display:flex;align-items:center;gap:8px}
.cb-tag{font-size:.6875rem;letter-spacing:.1em;padding:2px 6px;line-height:1.3}
.cb-num{font-size:1.875rem;font-weight:900;white-space:nowrap;margin-top:2px;letter-spacing:-.01em}
@media (max-width:430px){
  .hdr-phone .ic{display:none}
  .eyebrow .dot{display:none}
  .brand{gap:8px}
}
@media (max-width:899px){
  .zone,.site-header,.site-footer{width:100vw;margin-left:calc(50% - 50vw);margin-right:calc(50% - 50vw)}
  .site-footer{padding-bottom:128px}
}
@media (min-width:640px){
  .handle-list{grid-template-columns:repeat(2,minmax(0,1fr));column-gap:32px}
  .why-list{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px}
}
@media (min-width:900px){
  .callbar{display:none}
  .hdr{min-height:80px}
  .hdr-num{font-size:1.5rem}
  .hdr-phone .ic{font-size:1.375rem}
  .hdr-tag{display:inline-block}
  .zone{padding:88px 0}
  .hero{padding:56px 0 80px}
  .hero-grid{grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:56px;align-items:start}
  h1{font-size:3.75rem}
  .hero-copy{display:flex;flex-direction:column}
  .hero-photo{order:10;aspect-ratio:3/2;margin-top:24px;max-width:600px}
  .sub{font-size:1.375rem}
  .call-btn{max-width:480px;min-height:88px;margin-top:22px}
  .call-ic{width:48px;height:48px}
  .sub{margin-top:14px;line-height:1.5}
  .call-txt .cn{font-size:2.5rem}
  .chips{max-width:520px}
  .form-card{padding:28px 28px 24px}
  h2{font-size:2.625rem;max-width:22ch}
  .steps{grid-template-columns:repeat(3,minmax(0,1fr));gap:24px}
  .step{grid-template-columns:minmax(0,1fr)}
  .handle-list{grid-template-columns:repeat(3,minmax(0,1fr))}
  .area-panel{padding:40px 44px}
  .ins-grid{grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
  .ins-steps{grid-template-columns:repeat(2,minmax(0,1fr));gap:24px 40px}
  .repeat-form{max-width:640px;margin:0 auto}
  .site-footer{padding:56px 0}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}

/* ---------- concept skin ---------- */

:root{
  --ground:#FFFFFF; --ink:#111A24; --head:#111A24; --sub:#2E3A48;
  --blue:#0A4FC2; --blue-deep:#083A8F; --orange:#FF6B1A; --orange-deep:#D9530B;
  --wash:#EEF3FA; --line:#D3DCE8; --field:#6B7A8C; --link:#0A4FC2; --focus:#0A4FC2; --r:10px;
  --display:'Public Sans',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
  --body:'Figtree',system-ui,-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;
}
.site-header{background:#fff;border-bottom:1px solid var(--line)}
.brand .mark{display:flex;align-items:center;justify-content:center;width:34px;height:34px;background:var(--blue);color:#fff;border-radius:10px;font-size:1.25rem}
.brand .word{font-family:var(--display);font-size:1.1875rem;line-height:1;letter-spacing:-.02em;white-space:nowrap}
.brand .word b{font-weight:900}
.brand .word span{font-weight:700;color:var(--blue)}
.hdr-phone{color:var(--ink)}
.hdr-phone .ic{color:var(--blue)}
.hdr-tag{font-size:.75rem;letter-spacing:.12em;text-transform:uppercase;background:var(--ink);color:#fff;padding:4px 8px;border-radius:14px;margin-left:4px}
.hero{background:var(--wash)}
.chip24{display:inline-flex;align-items:center;gap:4px;background:var(--ink);color:#fff;border-radius:8px;padding:3px 8px;margin-right:10px;vertical-align:middle;font-size:.75rem;letter-spacing:.12em;line-height:1.3}
.chip24 b{color:var(--orange);font-weight:900;font-size:.875rem;letter-spacing:0}
.eyebrow .dot{margin:0 8px}
.hero-photo{border-radius:14px;overflow:hidden;background:#C9D6E6}
.hero-photo figcaption{color:#3A4A5E}
.eyebrow{color:var(--blue);font-family:var(--display)}
h1{font-weight:900;margin-top:12px;letter-spacing:-.03em}
.call-btn{background:var(--orange);color:var(--ink);border:2px solid var(--ink);border-radius:14px;box-shadow:4px 4px 0 var(--ink);transition:transform .12s ease,box-shadow .12s ease}
.call-btn:hover{transform:translate(-1px,-1px);box-shadow:5px 5px 0 var(--ink)}
.call-btn:active{transform:translate(3px,3px);box-shadow:1px 1px 0 var(--ink)}
.call-ic{background:var(--ink);color:var(--orange)}
.call-txt .cn{font-family:var(--display)}
.chips li{color:var(--ink)}
.chips .ck{color:var(--blue)}
.form-card{background:#fff;border:1px solid var(--line);border-top:6px solid var(--blue);border-radius:14px}
.submit{background:var(--blue);color:#fff;border-radius:10px}
.submit:hover{background:var(--blue-deep)}
.label{color:var(--blue);font-family:var(--display)}
h2{font-weight:900}
.how{background:#fff}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:18px}
.step-n{background:var(--blue);color:#fff;border-radius:10px}
.handle{background:#fff}
.handle-list li{border-bottom:1px solid var(--line);color:var(--ink)}
.handle-list .ck{color:var(--orange-deep)}
.why{background:var(--wash)}
.ins{background:var(--wash)}
.ins-card{background:#fff;border:1px solid var(--line)}
.ins-yes{border-top:5px solid var(--blue)}
.ins-no{border-top:5px solid var(--orange)}
.ins-steps h3{font-weight:800}
.ins-calm{color:var(--ink)}
.why-list li{border-left:4px solid var(--blue);padding-left:16px}
.why-list h3{font-weight:800}
.area{background:var(--wash)}
.area-panel{background:#fff;border:1px solid var(--line);border-radius:14px;padding:24px 20px}
.area .label{color:var(--blue)}
.towns li{background:var(--wash);border:1px solid var(--line);border-radius:999px;padding:8px 16px;color:var(--ink)}
.zips-lead{color:var(--sub)}
.zip{background:var(--wash);border:1px solid var(--line);color:var(--sub);border-radius:8px}
.area-note{color:var(--ink)}
.faq{background:#fff}
.qa{border-top:1px solid var(--line)}
.qa:last-child{border-bottom:1px solid var(--line)}
.qa h3{font-weight:800}
.repeat{background:#fff}
.repeat .form-card{background:var(--wash);border:1px solid var(--line);border-top:6px solid var(--blue)}
.site-footer{background:var(--ink);color:#D5DCE5}
.site-footer a{color:#fff}
.callbar{background:#fff;border-top:1px solid var(--line);padding-top:10px}
.callbar-btn{background:var(--orange);color:var(--ink);border:2px solid var(--ink);border-radius:14px}
.cb-num{font-family:var(--display)}
.cb-tag{background:var(--ink);color:#fff;border-radius:14px}
@media (min-width:900px){
  h1{font-size:4rem}
  .hero-form{margin-top:8px}
}


/* ---------- shared additions: section backgrounds, legal pages, thank-you ---------- */
.zone.bg-wash{background:var(--wash)}
.zone.bg-white{background:#fff}

/* legal pages (privacy, terms): plain header, readable body, same footer, no sticky bar */
body:not(.c1) .site-header{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px;padding:0 max(20px,calc((100% - 1140px)/2))}
.site-header>.brand{font-family:var(--display);font-weight:900;font-size:1.1875rem;letter-spacing:-.02em;color:var(--head)}
.header-phone{display:flex;align-items:center;min-height:44px;font-weight:800;font-variant-numeric:tabular-nums;white-space:nowrap;text-decoration:none;color:var(--ink)}
.legal{display:block;max-width:calc(72ch + 40px);margin:0 auto;padding:36px 20px 64px;font-size:1.1875rem;line-height:1.65}
.legal h1{font-size:2.25rem;line-height:1.1;font-weight:900;letter-spacing:-.02em}
.legal h2{font-size:1.5rem;line-height:1.25;font-weight:800;margin-top:2.25rem;max-width:none}
.legal p,.legal ul{margin-top:1rem}
.legal ul{list-style:disc;padding-left:1.4em}
.legal li{margin-top:.5rem}
.legal a{color:var(--link);font-weight:700}
.legal .eff-date{color:var(--sub);font-size:1rem;margin-top:.5rem}
.legal .note{margin-top:1.25rem;padding:16px 18px;background:var(--wash);border:1px solid var(--line);border-left:5px solid var(--blue);border-radius:14px}
.legal .note p{margin:0}
body:not(.c1) .site-footer{padding:40px max(20px,calc((100% - 1140px)/2))}
.site-footer nav a{margin-right:18px}
.site-footer .copyright{font-size:.875rem}
@media (max-width:899px){body:not(.c1) .site-footer{padding-bottom:40px}}
@media (min-width:900px){.legal h1{font-size:3rem}}

/* thank-you page: no sticky bar, so the footer needs no bar clearance */
body.ty .site-footer{padding-bottom:40px}
body.ty .hero{padding:36px 0 56px}
.ty-wrap{max-width:760px}
.ty-wrap h1{margin-top:0}
.ty-wrap .ty-body{margin-top:14px;color:var(--sub);max-width:60ch}
.ty-wrap .call-btn{max-width:520px;margin-top:24px}
@media (min-width:900px){.ty-wrap h1{font-size:3.5rem}}