*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:'Rubik',system-ui,-apple-system,'Segoe UI',sans-serif;
color:#18241E;background:#FFFFFF;line-height:1.65;font-size:16px;
-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Alegreya',Georgia,serif;line-height:1.2;
margin:0 0 .6em;font-weight:600;color:#18241E;letter-spacing:-.01em}
h1{font-size:clamp(1.85rem,4.4vw,3rem)}
h2{font-size:clamp(1.4rem,3vw,2.1rem)}
h3{font-size:1.15rem}
p{margin:0 0 1.05em}
a{color:#18241E}
img,svg{max-width:100%}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}

/* header */
.hdr{position:sticky;top:0;z-index:60;background:#FFFFFF;
border-bottom:1px solid #E8E9E8}
.hdr-in{display:flex;align-items:center;gap:16px;padding:11px 0}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;flex:0 0 auto}
.brand-name{font-family:'Alegreya',Georgia,serif;font-size:1.16rem;
font-weight:600;letter-spacing:-.02em;line-height:1.1}
.brand-name em{font-style:normal;color:#9C541E}
.brand-tag{display:block;font-size:.6rem;letter-spacing:.15em;
text-transform:uppercase;color:#808783;font-family:'Rubik',sans-serif;font-weight:500}
.nav{display:none;gap:20px;margin-left:auto;align-items:center}
.nav a{text-decoration:none;font-size:.87rem;font-weight:500;color:#18241E}
.nav a:hover{color:#9C541E}
.hdr-cta{display:none;gap:9px;align-items:center}
.tel{font-weight:700;text-decoration:none;font-size:.92rem;white-space:nowrap}
.btn{display:inline-block;background:#9C541E;color:#FFFFFF;
text-decoration:none;padding:11px 20px;border-radius:4px;font-weight:600;
font-size:.88rem;border:0;cursor:pointer;text-align:center;line-height:1.3}
.btn:hover{filter:brightness(.93)}
.btn-o{background:transparent;color:#18241E;border:1.5px solid #C3C6C4}
@media(min-width:980px){.nav{display:flex}.hdr-cta{display:flex}}

/* category strip */
.strip{background:#18241E;overflow-x:auto;-webkit-overflow-scrolling:touch;
scrollbar-width:none}
.strip::-webkit-scrollbar{display:none}
.strip-in{display:flex;gap:0;white-space:nowrap;padding:0}
.strip a{color:#F5F3EE;text-decoration:none;font-size:.78rem;padding:10px 15px;
opacity:.82;font-weight:500}
.strip a:hover{opacity:1;background:rgba(255,255,255,.08)}

/* hero */
.hero{background:#F7F7F7;padding:44px 0 48px;border-bottom:1px solid #E8E9E8}
.hero-g{display:grid;gap:30px;align-items:start}
@media(min-width:940px){.hero-g{grid-template-columns:1.08fr .92fr;gap:48px}
.hero{padding:60px 0 64px}}
.eyebrow{display:inline-block;font-size:.68rem;letter-spacing:.16em;
text-transform:uppercase;color:#9C541E;font-weight:700;margin-bottom:12px}
.lede{font-size:1.06rem;color:#808783;max-width:56ch}
.risk{font-size:.83rem;color:#808783;margin-top:14px}
.tick{list-style:none;padding:0;margin:20px 0 0;display:grid;gap:9px}
.tick li{padding-left:26px;position:relative;font-size:.9rem}
.tick li::before{content:"";position:absolute;left:0;top:.42em;width:13px;height:8px;
border-left:2.5px solid #9C541E;border-bottom:2.5px solid #9C541E;
transform:rotate(-45deg)}

/* form card */
.card{background:#FFFFFF;border:1px solid #E8E9E8;border-radius:8px;padding:22px;
box-shadow:0 12px 34px rgba(0,0,0,.09)}
.card h2{font-size:1.22rem;margin-bottom:4px}
.card .sub{font-size:.83rem;color:#808783;margin-bottom:16px}
.f{display:grid;gap:11px}
.f label{font-size:.76rem;font-weight:600;display:block;margin-bottom:4px;
letter-spacing:.02em}
.f input,.f select,.f textarea{width:100%;padding:10px 12px;border:1px solid #C3C6C4;
border-radius:4px;font:inherit;font-size:.92rem;background:#FFFFFF;color:#18241E}
.f input:focus,.f select:focus,.f textarea:focus{outline:2px solid #9C541E;
outline-offset:-1px;border-color:#9C541E}
.f textarea{min-height:74px;resize:vertical}
.f2{display:grid;gap:11px}
@media(min-width:520px){.f2{grid-template-columns:1fr 1fr}}
.consent{display:flex;gap:9px;align-items:flex-start;font-size:.76rem;color:#808783}
.consent input{width:auto;margin-top:3px;flex:0 0 auto}
.hp{position:absolute!important;left:-9999px}

/* trust strip */
.trust{background:#18241E;color:#F5F3EE;padding:15px 0}
.trust-in{display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:center;
font-size:.79rem;font-weight:500}
.trust-in span{display:flex;align-items:center;gap:7px;opacity:.9}
.trust-in svg{flex:0 0 auto}

/* sections */
.sec{padding:48px 0}
.sec-alt{background:#F7F7F7}
.sec-h{max-width:66ch;margin-bottom:28px}
.sec-h p{color:#808783;margin-bottom:0}
.grid{display:grid;gap:16px}
.g2{grid-template-columns:1fr}
.g3{grid-template-columns:1fr}
.g4{grid-template-columns:1fr 1fr}
@media(min-width:640px){.g2{grid-template-columns:1fr 1fr}
.g3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}}

.usp{background:#FFFFFF;border:1px solid #E8E9E8;border-radius:7px;padding:20px}
.usp h3{font-size:1rem;margin-bottom:6px}
.usp p{font-size:.86rem;color:#808783;margin:0}
.usp svg{margin-bottom:11px}

.tile{background:#FFFFFF;border:1px solid #E8E9E8;border-radius:7px;
overflow:hidden;display:flex;flex-direction:column;text-decoration:none}
.tile:hover{border-color:#9C541E;box-shadow:0 6px 20px rgba(0,0,0,.07)}
.tile-art{background:#EFF0EF;padding:16px;text-align:center;
border-bottom:1px solid #E8E9E8}
.tile-b{padding:15px 16px 17px}
.tile h3{font-size:.98rem;margin-bottom:5px}
.tile p{font-size:.83rem;color:#808783;margin:0 0 9px}
.more{font-size:.79rem;font-weight:700;color:#9C541E}

/* reviews */
.stars{color:#9C541E;font-size:1.25rem;letter-spacing:3px}
.quote{background:#FFFFFF;border:1px solid #E8E9E8;border-left:3px solid #9C541E;
border-radius:6px;padding:18px}
.quote p{font-size:.89rem;margin-bottom:9px}
.quote cite{font-style:normal;font-size:.76rem;color:#808783;font-weight:600}

/* steps */
.steps{counter-reset:s;display:grid;gap:16px;padding:0;list-style:none}
@media(min-width:860px){.steps{grid-template-columns:repeat(4,1fr)}}
.steps li{counter-increment:s;padding-top:42px;position:relative}
.steps li::before{content:counter(s);position:absolute;top:0;left:0;width:32px;
height:32px;border-radius:50%;background:#9C541E;color:#FFFFFF;
display:flex;align-items:center;justify-content:center;font-weight:700;font-size:.87rem}
.steps h3{font-size:.97rem;margin-bottom:5px}
.steps p{font-size:.85rem;color:#808783;margin:0}

/* faq */
.faq details{border-bottom:1px solid #E8E9E8;padding:15px 0}
.faq summary{cursor:pointer;font-weight:600;font-size:.96rem;list-style:none;
display:flex;justify-content:space-between;gap:14px;align-items:flex-start}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:#9C541E;font-size:1.4rem;line-height:1;
flex:0 0 auto}
.faq details[open] summary::after{content:"\2212"}
.faq p{margin:11px 0 0;font-size:.9rem;color:#808783}

/* chips */
.chips{display:flex;flex-wrap:wrap;gap:7px}
.chips a{background:#FFFFFF;border:1px solid #E8E9E8;border-radius:100px;
padding:6px 13px;font-size:.79rem;text-decoration:none;color:#808783}
.chips a:hover{border-color:#9C541E;color:#18241E}

/* cta band */
.band{background:#18241E;color:#F5F3EE;padding:44px 0;text-align:center}
.band h2{color:#F5F3EE}
.band p{color:rgba(255,255,255,.75);max-width:56ch;margin:0 auto 20px}
.band .btn-o{color:#F5F3EE;border-color:rgba(255,255,255,.4)}

/* prose */
.prose{max-width:70ch}
.prose h2{margin-top:1.7em}
.prose h3{margin-top:1.5em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.45em}
.note{background:#EFF0EF;border-left:3px solid #9C541E;padding:14px 17px;
border-radius:0 5px 5px 0;font-size:.9rem;margin:1.4em 0}
.note p:last-child{margin-bottom:0}

/* footer */
.ft{background:#18241E;color:rgba(255,255,255,.72);padding:44px 0 26px;font-size:.85rem}
.ft a{color:rgba(255,255,255,.72);text-decoration:none}
.ft a:hover{color:#F5F3EE}
.ft h4{color:#F5F3EE;font-size:.83rem;letter-spacing:.09em;text-transform:uppercase;
margin-bottom:13px;font-family:'Rubik',sans-serif;font-weight:700}
.ft-g{display:grid;gap:28px;margin-bottom:30px}
@media(min-width:760px){.ft-g{grid-template-columns:1.5fr 1fr 1fr 1fr}}
.ft ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.ft-b{border-top:1px solid rgba(255,255,255,.15);padding-top:18px;
display:flex;flex-wrap:wrap;gap:10px 20px;justify-content:space-between;
font-size:.76rem;color:rgba(255,255,255,.55)}

/* sticky mobile bar */
.sticky{position:fixed;left:0;right:0;bottom:0;z-index:70;display:grid;
grid-template-columns:1fr 1fr;background:#FFFFFF;
border-top:1px solid #E8E9E8;box-shadow:0 -3px 16px rgba(0,0,0,.12)}
.sticky a{padding:13px 8px;text-align:center;font-weight:700;font-size:.88rem;
text-decoration:none}
.sticky .s-call{color:#18241E}
.sticky .s-quote{background:#9C541E;color:#FFFFFF}
body{padding-bottom:52px}
@media(min-width:980px){.sticky{display:none}body{padding-bottom:0}}

/* quote wizard */
.wiz{border:1px solid #E8E9E8;border-radius:9px;overflow:hidden;background:#FFFFFF}
.wiz-bar{display:flex;background:#EFF0EF;border-bottom:1px solid #E8E9E8}
.wiz-bar div{flex:1;padding:10px 6px;text-align:center;font-size:.72rem;
font-weight:600;color:#808783;border-right:1px solid #E8E9E8}
.wiz-bar div:last-child{border-right:0}
.wiz-bar div.on{background:#9C541E;color:#FFFFFF}
.wiz-body{padding:22px}
.wiz-step{display:none}.wiz-step.on{display:block}
.opts{display:grid;gap:9px;margin-bottom:16px}
@media(min-width:560px){.opts{grid-template-columns:1fr 1fr}}
.opt{border:1.5px solid #C3C6C4;border-radius:5px;padding:12px 14px;cursor:pointer;
background:#FFFFFF;font:inherit;font-size:.9rem;text-align:left;color:#18241E}
.opt:hover{border-color:#9C541E}
.opt.sel{border-color:#9C541E;background:#EFF0EF;font-weight:600}
.wiz-nav{display:flex;gap:10px;justify-content:space-between;margin-top:6px}
.est{background:#EFF0EF;border-radius:7px;padding:20px;text-align:center;
margin-bottom:16px}
.est .n{font-family:'Alegreya',Georgia,serif;font-size:2rem;font-weight:600;
color:#18241E;display:block}
.est .l{font-size:.75rem;color:#808783;text-transform:uppercase;letter-spacing:.1em}
.prev{text-align:center;padding:14px;background:#EFF0EF;border-radius:7px;
margin-bottom:16px}