:root{--blue:#0060a0;--blue-dark:#07304d;--ink:#1c2733;--muted:#54626e;--bg:#ffffff;--bg-soft:#eef4f8;--gold:#bf8845;--radius:14px;--max:1140px}

*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Source Sans 3",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--bg);font-size:1.05rem}
h1,h2,h3{font-family:"Source Serif 4",Georgia,"Times New Roman",serif;line-height:1.2;color:var(--blue-dark);letter-spacing:-0.015em}
h1{font-size:2.65rem;margin:.2em 0 .5em}h2{font-size:1.95rem;margin:1.2em 0 .5em}h3{font-size:1.25rem;margin:1em 0 .4em}
::selection{background:#0065a4;color:#fff}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.section p{max-width:68ch}
.banner p,.testimonials blockquote{max-width:none}
.eyebrow{font-size:.78rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--gold);margin:0 0 10px}
.topbar{background:var(--blue-dark);color:#cfe2ee;font-size:.9rem}
.topbar-in{display:flex;gap:24px;align-items:center;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar a:hover{text-decoration:underline}
.topbar-loc{margin-left:auto;letter-spacing:.1em;text-transform:uppercase;font-size:.76rem;color:#9fc2d8}
.cred-strip{border-bottom:1px solid #dbe5ec;background:#fff;padding:18px 0;text-align:center;font-size:.8rem;letter-spacing:.15em;text-transform:uppercase;color:var(--muted)}
.cred-strip .sep{color:var(--gold);padding:0 10px}
.closer{background:linear-gradient(135deg,#e8f1f7,#f7fafc);border-top:1px solid #dbe5ec;padding:60px 0;text-align:center;margin-top:48px}
.closer h2{margin-top:0}
.closer p{margin-left:auto;margin-right:auto}
.closer .cta-row{justify-content:center}
.hero .page-img{box-shadow:0 24px 48px rgba(7,48,77,.16);outline:2px solid var(--gold);outline-offset:10px;aspect-ratio:4/3;object-fit:cover;object-position:70% 50%}
.card{transition:transform .25s ease,box-shadow .25s ease}
.card:hover{transform:translateY(-4px);box-shadow:0 16px 34px rgba(7,48,77,.13)}
.card img{transition:transform .5s ease}
.card:hover img{transform:scale(1.02)}
.btn{transition:background .2s ease,color .2s ease,transform .2s ease}
.btn:hover{transform:translateY(-1px)}
.frow-media{overflow:hidden;border-radius:var(--radius);box-shadow:0 18px 40px rgba(7,48,77,.13)}
.frow-media img{aspect-ratio:4/3;object-fit:cover;transition:transform .6s ease}
.frow:hover .frow-media img{transform:scale(1.025)}
.bip-logo{height:58px;width:auto;display:block;margin-top:16px}
.bip-cap{font-size:.85rem;color:#bcd6e8;margin-top:8px;max-width:30ch}
a{color:var(--blue)}p{margin:.6em 0}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.site-header{position:sticky;top:0;background:#fff;border-bottom:1px solid #dbe5ec;z-index:50}
.header-in{display:flex;align-items:center;gap:18px;padding:16px 20px}
.logo img{height:64px;width:auto;display:block}
.main-nav{margin-left:auto}
.nav-list{list-style:none;display:flex;gap:4px;margin:0;padding:0}
.nav-list>li{position:relative}
.nav-list a{display:block;padding:10px 10px;color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;white-space:nowrap}
.nav-list a:hover{color:var(--blue)}
.drop{display:none;position:absolute;left:0;top:100%;background:#fff;border:1px solid #dbe5ec;border-radius:10px;box-shadow:0 12px 32px rgba(7,48,77,.14);list-style:none;margin:0;padding:8px;min-width:270px;z-index:60}
.drop a{font-weight:500;padding:8px 10px;border-radius:6px}
.drop a:hover{background:var(--bg-soft)}
.has-drop:hover .drop,.has-drop:focus-within .drop{display:block}
.header-cta{display:flex;align-items:center;gap:14px;margin-left:8px}
.header-phone{font-weight:700;color:var(--blue-dark);text-decoration:none;white-space:nowrap}
.btn{display:inline-block;padding:12px 22px;border-radius:999px;text-decoration:none;font-weight:700;border:2px solid transparent;cursor:pointer;font-size:1rem}
.btn-primary{background:var(--blue);color:#fff}
.btn-primary:hover{background:var(--blue-dark)}
.btn-secondary{background:#fff;color:var(--blue);border-color:var(--blue)}
.btn-call{background:var(--gold);color:#fff}
.menu-btn{display:none;background:none;border:2px solid var(--blue);color:var(--blue);border-radius:8px;padding:8px 14px;font-weight:700}
main{display:block}
.hero{background:linear-gradient(135deg,#e8f1f7,#f7fafc);padding:76px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.hero p.lede{font-size:1.2rem;color:var(--muted)}
.hero img,.hero .img-placeholder{width:100%;height:auto;border-radius:var(--radius)}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}
.section{padding:64px 0}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center;margin:60px 0}
.frow:first-of-type{margin-top:36px}
.frow-media img{width:100%;height:auto;border-radius:var(--radius);display:block}
.frow.flip .frow-media{order:2}
.frow h3{font-size:1.55rem;margin:0 0 12px}
.frow p{color:var(--muted);font-size:1.05rem;line-height:1.65}
.frow .frow-link{font-weight:700}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:26px;margin:26px 0}
.card{background:#fff;border:1px solid #dbe5ec;border-radius:var(--radius);padding:24px;text-decoration:none;color:var(--ink);display:block}
.card:hover{border-color:var(--blue);box-shadow:0 8px 24px rgba(7,48,77,.10)}
.card img,.card .img-placeholder{width:100%;height:auto;border-radius:10px;margin-bottom:10px}
.card h3{margin-top:0}
.img-placeholder{background:linear-gradient(135deg,#0060a0,#07304d);border-radius:var(--radius);min-height:220px;display:flex;align-items:flex-end;padding:16px;margin:0}
.img-placeholder-caption{color:#fff;font-size:.9rem;background:rgba(7,48,77,.55);padding:6px 10px;border-radius:8px}
.page-img{width:100%;height:auto;border-radius:var(--radius);margin:10px 0 4px}
figure{margin:0}
.quotes-band{position:relative;padding:88px 0 76px;background:url('/images/main-street-wide.webp') center/cover no-repeat}
.quotes-band::before{content:"";position:absolute;inset:0;background:linear-gradient(160deg,rgba(7,48,77,.94),rgba(0,96,160,.86))}
.quotes-band .wrap{position:relative}
.quotes-band h2{color:#fff}
.qcards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:58px}
.qcard{background:#fff;border-radius:var(--radius);padding:60px 26px 28px;position:relative;box-shadow:0 24px 48px rgba(7,48,77,.35);margin:0}
.qavatar{width:88px;height:88px;border-radius:50%;object-fit:cover;position:absolute;top:-44px;left:50%;transform:translateX(-50%);border:4px solid #fff;box-shadow:0 8px 20px rgba(7,48,77,.25)}
.qbadge{position:absolute;top:-19px;right:24px;width:38px;height:38px;border-radius:50%;background:var(--gold);color:#fff;font-family:"Source Serif 4",Georgia,serif;font-size:1.6rem;line-height:40px;text-align:center}
.qcard blockquote{margin:0;font-size:1.02rem;line-height:1.62;color:var(--ink)}
.qcard figcaption{margin-top:18px}
.qcard figcaption strong{display:block;color:var(--blue-dark)}
.qcard .qco{color:var(--muted);font-size:.92rem}
.hero-full{position:relative;padding:118px 0 104px;background:url('/images/main-street-wide.webp') center 40%/cover no-repeat;color:#fff}
.hero-full::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,48,77,.90) 0%,rgba(7,48,77,.66) 48%,rgba(7,48,77,.10) 80%)}
.hero-full .wrap{position:relative}
.hero-copy{max-width:660px}
.hero-full h1{color:#fff;font-size:3.35rem;line-height:1.07;letter-spacing:-.02em}
.hero-full .lede{color:#e9f2f8;font-size:1.17rem}
.hero-full .eyebrow{color:var(--gold)}
.hero-full .btn-primary{background:#fff;color:var(--blue-dark)}
.hero-full .btn-primary:hover{background:#eef4f8;transform:translateY(-1px)}
.hero-full .btn-secondary{border-color:rgba(255,255,255,.75);color:#fff;background:rgba(7,48,77,.25)}
.sec-num{font-family:"Source Serif 4",Georgia,serif;font-style:italic;font-weight:600;text-transform:none;letter-spacing:0;font-size:1.02rem;color:var(--blue);margin-right:.6em}
.eyebrow.numbered{border-top:1px solid #dbe5ec;padding-top:24px}
.quotes-band .sec-num{color:#fff}
.quotes-band .eyebrow.numbered{border-top-color:rgba(255,255,255,.35)}
.process{background:var(--bg-soft)}
.psteps{display:grid;grid-template-columns:repeat(3,1fr);gap:26px;margin-top:28px}
.pstep{background:#fff;border-radius:var(--radius);padding:28px;box-shadow:0 10px 30px rgba(7,48,77,.07)}
.pstep-num{font-family:"Source Serif 4",Georgia,serif;font-size:2.1rem;line-height:1;color:var(--gold)}
.pstep h3{margin:12px 0 6px}
.reveal{opacity:0;transform:translateY(14px);transition:opacity .7s ease,transform .7s ease}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.reveal{opacity:1;transform:none;transition:none}}
.footer-sign{font-family:"Source Serif 4",Georgia,serif;font-size:1.65rem;letter-spacing:-.01em;color:#fff;margin:0 0 34px}
.bip-block{display:flex;gap:28px;align-items:center;background:var(--bg-soft);border-radius:var(--radius);padding:30px 34px}
.bip-block img{height:118px;width:auto}
.bip-block p{margin:0;max-width:62ch}
.banner{background:var(--blue-dark);color:#fff;border-radius:var(--radius);padding:20px 24px;margin:24px 0}
.banner a{color:#ffd9a0;font-weight:700}
.disclaimer{font-size:.9rem;color:var(--muted);border-left:4px solid var(--gold);padding:8px 14px;background:#fdf8f1;margin:18px 0}
.faq details{border:1px solid #dbe5ec;border-radius:10px;padding:12px 16px;margin:10px 0;background:#fff}
.faq summary{font-weight:700;cursor:pointer;color:var(--blue-dark)}
iframe.quote-frame{width:100%;height:900px;border:1px solid #dbe5ec;border-radius:var(--radius);background:#fff}
form.site-form{display:grid;gap:14px;max-width:640px;margin:18px 0}
form.site-form label{font-weight:600;display:grid;gap:6px}
form.site-form input,form.site-form textarea{padding:11px 12px;border:1px solid #b9c9d4;border-radius:8px;font:inherit;width:100%}
.map-frame{width:100%;height:380px;border:0;border-radius:var(--radius)}
.site-footer{background:#0065A4;color:#dbe7f0;margin-top:48px;padding:58px 0 12px;border-top:4px solid var(--gold)}
.site-footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:26px}
.footer-logo{width:205px;height:auto;background:transparent}
.footer-h{color:#fff;font-size:1.05rem;font-family:inherit}
.footer-links{list-style:none;padding:0;margin:0}.footer-links li{margin:7px 0}
.footer-base{border-top:1px solid rgba(255,255,255,.2);margin-top:22px;padding-top:8px;font-size:.9rem}
ul.tick{list-style:none;padding:0}ul.tick li{padding:6px 0 6px 26px;position:relative}
ul.tick li::before{content:"—";position:absolute;left:0;color:var(--gold);font-weight:700}
ol.steps li{margin:8px 0}
@media (max-width:960px){
 .hero-grid{grid-template-columns:1fr}
 .frow{grid-template-columns:1fr;gap:22px;margin:44px 0}
 .frow.flip .frow-media{order:0}
 .menu-btn{display:block}
 .main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid #dbe5ec;padding:10px 20px 16px}
 .main-nav.open{display:block}
 .nav-list{flex-direction:column}
 .drop{position:static;display:block;box-shadow:none;border:0;padding-left:16px}
 .header-phone{display:none}
 .topbar-loc{display:none}
 .hero .page-img{outline-offset:6px}
 h1{font-size:1.9rem}
}
@media(max-width:860px){.qcards{grid-template-columns:1fr;gap:56px}.psteps{grid-template-columns:1fr}.hero-full{padding:84px 0 72px}.hero-full h1{font-size:2.35rem}.hero-full::before{background:linear-gradient(180deg,rgba(7,48,77,.90),rgba(7,48,77,.74))}.bip-block{flex-direction:column;align-items:flex-start}}