:root{--navy:#122b40;--red:#df352f;--ink:#193145;--muted:#607080;--cream:#f7f6f2;--green:#138a4b;--line:#e0e5e7}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;background:#fff;-webkit-font-smoothing:antialiased}a{color:inherit;text-decoration:none}button,input,select,textarea{font:inherit}button,a,input,select,textarea{-webkit-tap-highlight-color:transparent}button{cursor:pointer}img{display:block;max-width:100%;height:auto}p{font-size:16px;line-height:1.8;color:var(--muted)}h1,h2,h3{margin:0;font-weight:500}h1{font-size:clamp(36px,4.5vw,64px);line-height:1.08;letter-spacing:-2px}h2{font-size:clamp(30px,3.4vw,46px);line-height:1.16;letter-spacing:-1.5px;max-width:800px;margin-bottom:28px}h3{font-size:23px;line-height:1.3;letter-spacing:-.5px}.container{width:88%;max-width:1240px;margin:auto}.topbar{background:var(--navy);color:#d1dae0;font-size:11px;letter-spacing:.35px}.topbar>.container{display:flex;justify-content:space-between;padding:11px 0}.topbar a{color:white}header{position:sticky;top:0;background:#fff;z-index:20;border-bottom:1px solid var(--line)}.navigation{display:flex;align-items:center;gap:25px;height:98px;justify-content:space-between}.logo{width:300px;flex-shrink:0}.navigation nav{display:flex;gap:28px;font-size:13px}.navigation nav a:hover{color:var(--red)}.header-phone{font-size:15px;font-weight:700;white-space:nowrap;border-left:1px solid var(--line);padding-left:22px}.header-phone span{color:var(--red);margin-left:15px}.menu-toggle{display:none}.hero{position:relative;background:var(--navy);overflow:hidden;min-height:650px;color:white}.hero-image{position:absolute;inset:0}.hero-image img{width:100%;height:100%;object-fit:cover;object-position:center 45%}.hero-image:after{content:'';position:absolute;inset:0;background:linear-gradient(90deg,#071d31f2 0%,#10273ddd 30%,#10273d82 55%,#10273d05 100%)}.hero-copy{position:relative;padding:75px 0 42px;max-width:650px}.eyebrow{font-size:10px;font-weight:700;letter-spacing:2px;text-transform:uppercase;display:block;margin-bottom:22px;line-height:1.7}.hero .eyebrow:before{content:'';display:inline-block;width:25px;height:2px;background:var(--red);vertical-align:middle;margin-right:12px}.hero h1{font-size:clamp(44px,5.2vw,76px);letter-spacing:-2.8px}.hero h1 em{font-style:normal;color:#f9d6c3}.hero p{max-width:440px;color:#c8d3dc;margin:25px 0 32px;line-height:1.8}.actions{display:flex;align-items:center;gap:26px;flex-wrap:wrap}.button{display:inline-flex;align-items:center;justify-content:center;gap:18px;padding:18px 24px;background:var(--red);color:#fff;font-size:13px;font-weight:700;border:1px solid transparent;line-height:1.3;border-radius:2px;min-height:52px;transition:background .2s,transform .2s}.button:hover{transform:translateY(-2px);background:#bd2924}.button.navy{background:var(--navy)}.button.navy:hover{background:#234a66}.button.green{background:var(--green)}.button.green:hover{background:#08753b}.hero-phone{font-size:19px;font-weight:600}.hero-phone small{display:block;font-size:9px;letter-spacing:1.5px;color:#b4c3cf;margin-bottom:8px}.hero-bottom{display:flex;gap:30px;padding-top:35px;margin-top:40px;border-top:1px solid #ffffff30;font-size:10px;color:#c5d1d8}.hero-bottom span:before{content:'↗';margin-right:10px;color:#ee6d65}.image-credit{position:absolute;right:20px;bottom:15px;font-size:9px;color:white;background:#10273d8c;padding:6px 8px}.trust-strip{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;padding:28px 0;border-bottom:1px solid var(--line);font-size:12px}.trust-strip b{font-weight:400;color:var(--red);margin-right:13px}.section{padding:85px 0}.section-lead{display:flex;align-items:center;justify-content:space-between;gap:50px;margin-bottom:35px}.section-lead p{max-width:650px;margin:0}.inline-link{white-space:nowrap;font-size:13px;border-bottom:1px solid var(--red);padding-bottom:8px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{padding:32px 30px;background:var(--cream);border-top:2px solid #d9dfdf;display:flex;flex-direction:column;min-height:270px;transition:border .2s,box-shadow .2s}.card:hover{border-color:var(--red);box-shadow:0 10px 30px #122b400c}.card .eyebrow{font-size:9px;color:#7a8790}.card h3{margin-bottom:15px}.card p{font-size:13px;line-height:1.8;margin:0 0 18px}.arrow{margin-top:auto;color:var(--red);font-size:22px}.soft{background:var(--cream)}.soft .card{background:white}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split h2{margin-top:0}.split>div>p{margin-bottom:25px}.split figure{margin:0}.split figure img{width:100%;height:430px;object-fit:cover;border-radius:2px}.split figcaption{font-size:9px;line-height:1.6;color:#74808b;margin-top:8px}.line-list{list-style:none;padding:0;border-top:1px solid #d9dedf;margin:25px 0}.line-list li{padding:15px 0;border-bottom:1px solid #d9dedf;font-size:13px}.line-list li:before{content:'↗';color:var(--red);margin-right:15px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:35px;margin-top:45px}.steps>div{border-top:1px solid #d5dcdf;padding-top:20px}.steps span{font-size:13px;color:var(--red)}.steps h3{font-size:21px;margin-top:24px}.steps p{font-size:13px}.region-list{display:grid;grid-template-columns:repeat(3,1fr);column-gap:35px}.region-list a{padding:17px 5px;border-bottom:1px solid var(--line);font-size:14px;display:flex;justify-content:space-between;gap:15px}.region-list a:after{content:'↗';color:var(--red)}.region-list a:hover{color:var(--red)}.region-list a[hidden]{display:none}.faq{max-width:900px}.faq details{border-top:1px solid #ccd5da;padding:22px 0}.faq details:last-child{border-bottom:1px solid #ccd5da}.faq summary{cursor:pointer;font-size:16px;line-height:1.5;position:relative;padding-right:35px;list-style:none}.faq summary:after{content:'+';position:absolute;right:5px;color:var(--red);font-size:23px;top:-3px}.faq details[open] summary:after{content:'−'}.faq summary::-webkit-details-marker{display:none}.faq details p{font-size:14px;max-width:780px;margin-bottom:0}.callout{padding:65px 0;background:var(--navy);color:white}.callout-inner{display:flex;align-items:center;justify-content:space-between;gap:50px}.callout h2{font-size:38px;margin-bottom:15px}.callout p{color:#b7c5d0;font-size:14px;margin-bottom:0}.callout .eyebrow{color:#f3a698}.big-phone{display:block;font-size:34px;white-space:nowrap;letter-spacing:-1px;margin:18px 0 23px}.callout small{display:block;font-size:11px;color:#bac8d1;margin-top:14px}footer{padding:50px 0 25px;background:#f6f7f8}.footer-grid{display:grid;grid-template-columns:1.7fr 1fr 1fr;gap:70px}.footer-logo{width:300px}.footer-grid p{font-size:13px}.footer-grid h3{font-size:14px;font-weight:700;margin:15px 0 22px}.footer-grid>div>a{display:block;font-size:12px;color:var(--muted);margin:15px 0}.footer-bottom{display:flex;justify-content:space-between;gap:25px;border-top:1px solid #d9e0e4;margin-top:35px;padding-top:25px;font-size:10px;color:#6d7b86;padding-bottom:65px}.whatsapp{position:fixed;z-index:30;bottom:22px;right:22px;display:flex;align-items:center;gap:10px;background:#25d366;color:#073b21;box-shadow:0 4px 25px #0003;padding:14px 19px;border-radius:40px;font-size:13px;font-weight:700;min-height:54px}.whatsapp svg{width:28px;height:28px}.whatsapp:hover{background:#1ac35b}.breadcrumb{font-size:10px;color:#77848d;padding:22px 0;line-height:1.6;display:flex;gap:9px;flex-wrap:wrap}.breadcrumb a:hover{color:var(--red)}.inner-hero{padding:35px 0 65px;background:white}.inner-hero h1{font-size:clamp(34px,3.4vw,51px);letter-spacing:-1.8px}.inner-hero .eyebrow{color:var(--red)}.inner-hero p{font-size:15px;margin:25px 0 30px}.inner-hero .split{gap:55px}.inner-hero .split figure img{height:360px}.text-phone{font-size:15px;font-weight:700}.prose{max-width:850px}.prose h3{margin:30px 0 15px}.prose p{font-size:15px}.check-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:45px;margin-top:40px}.check-grid>div{border-top:2px solid var(--red);padding-top:24px}.check-grid h3{font-size:23px}.check-grid p{font-size:14px}.local-note{background:var(--cream);border-left:3px solid var(--red);padding:25px 30px;margin-bottom:25px;max-width:850px}.local-note .eyebrow{margin:0}.local-note p{font-size:15px;margin:12px 0 0}.related{display:flex;gap:20px;flex-wrap:wrap;margin-bottom:30px}.related a{border:1px solid var(--line);padding:15px 20px;font-size:13px}.related a:hover{border-color:var(--red)}.search-label{display:block;font-size:14px;font-weight:700;margin-bottom:14px}#region-search{width:100%;max-width:600px;padding:18px 20px;border:1px solid #bcc8d0;background:#fff;border-radius:2px}#search-status{font-size:12px}.article{max-width:800px}.article-meta{font-size:11px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:25px;margin-bottom:35px}.article h2{font-size:30px;margin-top:40px}.article p{line-height:1.9;font-size:16px}.article a:not(.button){color:#2a5b7f;text-decoration:underline}.editorial-note{background:var(--cream);border-left:3px solid var(--red);padding:28px 32px;margin-top:40px}.editorial-note h3{font-size:20px}.editorial-note p{font-size:14px}.contact-options{display:grid;grid-template-columns:1fr 1fr;gap:45px}.contact-options>div{padding:35px;background:var(--cream)}.contact-options p{font-size:14px}.quote-form{max-width:850px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}.quote-form label{display:block;font-size:13px;font-weight:700;margin-bottom:20px}.quote-form input,.quote-form select,.quote-form textarea{display:block;margin-top:10px;width:100%;padding:15px;background:#fff;border:1px solid #bcc8d0;color:var(--ink);border-radius:2px}.quote-form textarea{resize:vertical}.quote-form .fine{font-size:11px;max-width:650px}.fine a{text-decoration:underline}.muted{color:var(--muted)}.skip{position:fixed;top:-100px;left:20px;z-index:99;background:var(--navy);color:#fff;padding:15px}.skip:focus{top:10px}a:focus-visible,button:focus-visible,summary:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid #3a8fc0;outline-offset:4px}@media(max-width:1100px){.logo{width:250px}.navigation{gap:20px}.navigation nav{gap:18px;font-size:12px}.header-phone{font-size:13px;padding-left:14px}.split{gap:40px}.big-phone{font-size:29px}.hero-copy{max-width:580px}.hero h1{font-size:64px}}@media(max-width:850px){.topbar>.container>span{font-size:9px}.topbar>.container>a{font-size:10px}.navigation{height:82px;gap:15px}.logo{width:250px;max-width:70%}.menu-toggle{display:block;border:1px solid var(--line);background:#fff;color:var(--navy);font-size:24px;padding:5px 11px}.navigation nav{display:none;position:absolute;left:0;right:0;top:82px;background:#fff;box-shadow:0 10px 20px #0001;padding:20px 6%}.navigation nav.open{display:flex;flex-direction:column;gap:0}.navigation nav a{padding:14px 0;border-bottom:1px solid var(--line);font-size:15px}.header-phone{display:none}.hero{min-height:630px}.hero-copy{padding-top:60px;max-width:580px}.hero h1{font-size:60px}.hero-image:after{background:linear-gradient(90deg,#071d31ef,#10273dbb 60%,#10273d55)}.hero p{max-width:440px}.cards{grid-template-columns:repeat(2,1fr)}.split{grid-template-columns:1fr;gap:35px}.section{padding:60px 0}.section-lead{display:block}.section-lead .button,.section-lead .inline-link{margin-top:20px}.split figure img{height:370px}.steps{grid-template-columns:repeat(2,1fr)}.region-list{grid-template-columns:repeat(2,1fr)}.callout-inner{display:block}.callout-inner>div+div{margin-top:35px}.check-grid{grid-template-columns:1fr;gap:25px}.check-grid>div{padding-top:20px}.check-grid p{margin-bottom:0}.footer-grid{gap:30px;grid-template-columns:1.3fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}.footer-grid>div:first-child p{margin-bottom:0}.footer-bottom{flex-wrap:wrap;font-size:9px}.inner-hero{padding-top:15px}.inner-hero h1{font-size:43px}.inner-hero .split figure img{height:330px}.trust-strip{gap:16px;font-size:10px}.trust-strip b{display:block;margin-bottom:8px}.contact-options{gap:20px}.contact-options>div{padding:25px}.contact-options .big-phone{font-size:26px}}@media(max-width:540px){.container{width:88%}.topbar>.container{padding:10px 0}.topbar>.container>span{max-width:55%;line-height:1.5}.topbar>.container>a{align-self:center}.hero{min-height:660px}.hero-copy{padding-top:48px}.hero h1{font-size:49px;letter-spacing:-1.8px}.hero p{font-size:14px;max-width:330px}.hero .eyebrow{font-size:8px;letter-spacing:1.5px}.hero .actions{align-items:flex-start;flex-direction:column;gap:22px}.hero-phone{font-size:19px}.hero-bottom{gap:20px;font-size:9px;line-height:1.7;margin-top:28px;padding-top:22px}.hero-image img{object-position:58% center}.hero-image:after{background:linear-gradient(90deg,#071d31f5,#10273dd1 55%,#10273d85)}.image-credit{font-size:8px;right:12px;bottom:10px}.trust-strip{font-size:9px;line-height:1.7;gap:18px;padding:20px 0}.cards{grid-template-columns:1fr}.card{min-height:225px}.card h3{font-size:24px}.split figure img{height:280px}.steps{gap:25px}.steps h3{font-size:19px}.steps p{font-size:12px}.region-list{grid-template-columns:1fr}.region-list a{font-size:14px}.callout h2{font-size:32px}.callout{padding:50px 0}.big-phone{font-size:30px}.footer-grid{gap:20px}.footer-logo{width:275px}.footer-bottom{display:block;line-height:1.8}.footer-bottom>*{display:block;margin-bottom:13px}.whatsapp{right:16px;bottom:16px;padding:14px;border-radius:50%;width:58px;height:58px}.whatsapp span{display:none}.whatsapp svg{width:30px;height:30px}.inner-hero h1{font-size:35px;letter-spacing:-1.2px;overflow-wrap:break-word}.inner-hero .split figure img{height:260px}.inner-hero .actions{gap:20px}.breadcrumb{font-size:9px}.contact-options,.form-grid{grid-template-columns:1fr}.article h2{font-size:27px}.article p{font-size:15px}.article{width:88%}.editorial-note{padding:22px}.local-note{padding:23px}.contact-options .big-phone{font-size:30px}.section h2{margin-bottom:25px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button{transition:none}.button:hover{transform:none}}