@font-face{font-family:"Montserrat";src:url("fonts/montserrat-latin.woff2") format("woff2");font-weight:100 900;font-display:swap}
:root{--navy:#03284d;--navy2:#0a3a68;--green:#25b30e;--green-h:#2fc816;--green-ink:#187a0a;--ink:#16202b;--muted:#46535f;--line:#dfe5ec;--bg2:#f4f7f9;--r:16px;--ph:#fff7e0;--ph-b:#c99400}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"SF Pro Text","Segoe UI",Roboto,Helvetica,Arial,sans-serif;font-size:18px;line-height:1.6;color:var(--ink);background:#fff;overflow-x:hidden;padding-bottom:84px}
img{max-width:100%;height:auto;display:block}
h1,h2,h3,legend,.btn,.eyebrow,summary,.num{font-family:"Montserrat",-apple-system,"Segoe UI",sans-serif;font-weight:700}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy)}
a{color:var(--navy);text-underline-offset:3px}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible{outline:3px solid var(--green);outline-offset:2px}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:8px 12px;border-radius:8px}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}.center{text-align:center}
.preview-bar{background:#16202b;color:#fff;text-align:center;font-size:16px;padding:8px 16px;line-height:1.4}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr{display:flex;align-items:center;gap:16px;min-height:72px}
.brand img{width:200px;height:auto}
.nav{display:none;gap:28px;margin-left:auto}
.nav a{text-decoration:none;font-family:"Montserrat",sans-serif;font-weight:700;font-size:18px;color:var(--navy)}
.nav a:hover,.nav a[aria-current]{color:var(--green-ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border-radius:999px;text-decoration:none;font-size:18px;min-height:48px;padding:10px 22px;border:2px solid transparent;cursor:pointer;line-height:1.2;text-align:center}
.btn-lg{min-height:56px;padding:14px 28px;font-size:19px}
.btn-block{width:100%}
.btn-primary{background:var(--green);color:var(--navy)}
.btn-primary:hover{background:var(--green-h)}
.btn-call{margin-left:auto;background:var(--navy);color:#fff;padding:10px 16px}
.btn-call:hover{background:var(--navy2)}
.btn-outline-light{border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.1)}
.btn-ghost{border-color:var(--navy);color:var(--navy);background:#fff}
.btn[disabled]{background:#c9d1d9;color:#3d4853;cursor:not-allowed}
.hero{background:var(--navy);color:#fff;padding:36px 0 44px}
.hero-grid{display:grid;gap:28px}
.eyebrow{color:var(--green);text-transform:uppercase;letter-spacing:.06em;font-size:16px;margin:0 0 12px}
.hero h1{color:#fff;font-size:38px;letter-spacing:-.01em}
.lead{font-size:20px;margin:0 0 18px;color:#e6edf4}
.lead.dark{color:var(--muted)}
.ticks{list-style:none;padding:0;margin:0 0 24px}
.ticks li{position:relative;padding-left:34px;margin:8px 0;font-size:19px}
.ticks li::before{content:"";position:absolute;left:0;top:5px;width:22px;height:22px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5' fill='none' stroke='%2303284d' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/16px no-repeat}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 1px 2px rgba(3,40,77,.05),0 8px 24px rgba(3,40,77,.06)}
.form-card{color:var(--ink);scroll-margin-top:90px}
.form-card h2{font-size:26px;margin-bottom:4px}
.form-sub{margin:0 0 12px;color:var(--muted)}
fieldset{border:0;padding:0;margin:0 0 8px;min-width:0}
legend{font-size:18px;color:var(--green-ink);text-transform:uppercase;letter-spacing:.05em;padding:12px 0 2px}
label{display:block;font-weight:600;margin:12px 0 6px;font-size:18px}
.opt{font-weight:400;color:var(--muted)}
input[type=text],input[type=tel],input[type=email],input[type=number],select{width:100%;font:inherit;font-size:18px;min-height:52px;padding:10px 14px;border:1.5px solid #b9c4cf;border-radius:12px;background:#fff;color:var(--ink)}
select{appearance:none;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath d='M6 9l6 6 6-6' fill='none' stroke='%2303284d' stroke-width='2.5'/%3E%3C/svg%3E") right 12px center/20px no-repeat;padding-right:40px}
.row3{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:10px}
.consent{display:flex;gap:12px;align-items:flex-start;font-weight:400;font-size:16px;line-height:1.5;color:var(--muted);margin:16px 0 18px}
.consent input{width:24px;height:24px;flex:0 0 24px;margin-top:2px;accent-color:var(--green-ink)}
.preview-note{margin:12px 0 0;padding:12px 14px;background:var(--ph);border:1.5px dashed var(--ph-b);border-radius:12px;font-size:17px;color:#5c4300}
.section{padding:56px 0}
.section.alt{background:var(--bg2)}
.h-sec{font-size:30px;text-align:center;margin-bottom:28px}
.h-sec.left{text-align:left;margin-bottom:16px}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:16px}
.step{position:relative}
.step h3,.why h3{font-size:22px}
.step p,.why p{margin:0}
.num{display:inline-grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--navy);color:#fff;font-size:20px;margin-bottom:12px}
.why-grid{display:grid;gap:16px}
.why{border-top:5px solid var(--green)}
.joe{display:grid;gap:24px;align-items:center}
.joe-photo{width:100%;max-width:340px;border-radius:24px;margin:0 auto}
details{background:#fff;border:1px solid var(--line);border-radius:14px;margin:0 0 12px;padding:0 20px}
summary{cursor:pointer;list-style:none;padding:18px 32px 18px 0;font-size:19px;color:var(--navy);position:relative}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:0;top:12px;font-size:28px;color:var(--green-ink)}
details[open] summary::after{content:"–"}
details p{margin:0 0 18px}
.contact p{font-size:20px}
.big-phone{margin:8px 0 22px}
.phone-link{display:inline-block;font-size:32px;font-weight:700;color:var(--navy);text-decoration:none;padding:4px 0}
.phone-link:hover{text-decoration:underline}
.ftr-phone{color:#fff;font-weight:700;font-size:20px;text-decoration:none}
.ftr-phone:hover{text-decoration:underline}
.ph{display:inline-block;background:var(--ph);border:1.5px dashed var(--ph-b);color:#5c4300;border-radius:8px;padding:2px 8px;font-size:18px;line-height:1.45}
.ph-dark{background:transparent;color:#ffd970;border-color:#ffd970}
.site-footer{background:var(--navy);color:#dbe4ee;padding:44px 0 28px}
.ftr-logo{width:220px;margin-bottom:16px}
.ftr-line{margin:0 0 14px;font-size:18px}
.ftr-links{list-style:none;padding:0;margin:18px 0}
.ftr-links li{margin:10px 0}
.site-footer a{color:#fff}
.legal{font-size:16px;color:#b9c7d6;margin:10px 0}
.mbar{position:fixed;left:0;right:0;bottom:0;z-index:30;display:grid;grid-template-columns:1fr 2fr;gap:10px;padding:10px 14px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line)}
.page-top{padding-top:40px}
.h-page{font-size:36px}
.deals-grid{display:grid;gap:16px;margin-top:24px}
.empty{text-align:center;max-width:620px;margin:28px auto 0;padding:40px 24px;color:var(--navy)}
.empty h2{font-size:24px}
.empty p{color:var(--muted);margin:0 0 22px}
.deal img{border-radius:12px;margin-bottom:14px;aspect-ratio:4/3;object-fit:cover;width:100%}
.deal .status{display:inline-block;font-family:"Montserrat",sans-serif;font-weight:700;font-size:16px;color:var(--navy);background:#e8f7e4;border-radius:999px;padding:2px 12px;margin-bottom:8px}
.deal .facts{color:var(--muted);margin:0}
.analysis img{border-radius:16px;border:1px solid var(--line);margin:20px auto;max-width:430px;width:100%}
.flow{counter-reset:f;list-style:none;padding:0;margin:0}
.flow li{counter-increment:f;position:relative;padding:0 0 18px 52px}
.flow li::before{content:counter(f);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-family:"Montserrat",sans-serif;font-weight:700}
@media (min-width:700px){
 .steps{grid-template-columns:repeat(3,1fr)}
 .why-grid{grid-template-columns:repeat(2,1fr)}
 .deals-grid{grid-template-columns:repeat(2,1fr)}
 .joe{grid-template-columns:340px 1fr;gap:48px}
}
@media (min-width:980px){
 body{padding-bottom:0}
 .mbar{display:none}
 .nav{display:flex}
 .btn-call{margin-left:12px}
 .brand img{width:240px}
 .hero{padding:64px 0 72px}
 .hero-grid{grid-template-columns:1.1fr .9fr;gap:56px;align-items:start}
 .hero h1{font-size:54px}
 .why-grid{grid-template-columns:repeat(4,1fr)}
 .deals-grid{grid-template-columns:repeat(3,1fr)}
 .h-sec{font-size:36px}
}
@media (max-width:380px){.brand img{width:160px}.btn-call span{display:none}.btn-call{padding:10px 14px}}
.preview-bar a{color:#9fe58f}
.team-intro{margin:-12px auto 24px;max-width:640px}
.team-grid{display:grid;gap:20px;max-width:960px;margin:0 auto}
.person img{width:100%;aspect-ratio:1/1;object-fit:cover;border-radius:14px;margin-bottom:16px}
.person h3{font-size:24px;margin-bottom:2px}
.person .role{color:var(--green-ink);font-weight:600;margin:0 0 10px}
.person p:last-child{margin:0}
@media (min-width:700px){.team-grid{grid-template-columns:1fr 1fr;align-items:stretch}}

/* live form */
.hp{position:absolute !important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-msg{margin:12px 0 0;padding:12px 14px;border-radius:12px;font-size:17px;line-height:1.4}
.form-msg.ok{background:#e8f8e3;border:1.5px solid #25b30e;color:#0f3d06}
.form-msg.err{background:#fff1f0;border:1.5px solid #d9534f;color:#7a1c18}
/* nav fit (Oct 11 2026) */
.nav a{white-space:nowrap}
@media (min-width:980px) and (max-width:1199px){.nav{gap:18px}.nav a{font-size:16px}.brand img{width:200px}}