:root{--navy:#0f1f3e;--navy2:#162a52;--blue:#234076;--blue2:#2e5fa3;--red:#e42c38;--red2:#c81f2b;--ink:#101828;--muted:#566175;--bg:#fff;--soft:#f3f6fb;--line:#e1e7f0;--gold:#ffd166;--r:14px;--sh:0 6px 24px rgba(15,31,62,.10);--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:17px}
img{max-width:100%;height:auto;display:block}a{color:var(--blue2)}a:hover{color:var(--red2)}
h1,h2,h3,h4{line-height:1.15;color:var(--navy);letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(2rem,5.2vw,3.3rem);font-weight:850}h2{font-size:clamp(1.55rem,3.2vw,2.15rem);font-weight:800;margin-top:1.6em}h3{font-size:1.2rem;font-weight:750}
p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}.narrow{max-width:800px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
/* top bar + header */
.topbar{background:var(--navy);color:#dbe5f7;font-size:.86rem}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700;text-decoration:none}.topbar .areas{opacity:.85}
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;gap:18px;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.1}.brand img{width:46px;height:auto}
.brand small{display:block;font-weight:600;color:var(--muted);font-size:.72rem;letter-spacing:.02em}
nav.main{margin-left:auto}nav.main>ul{display:flex;gap:2px;list-style:none;margin:0;padding:0;align-items:center}
nav.main a,nav.main button.nb{font:inherit;font-weight:650;font-size:.95rem;color:var(--navy);text-decoration:none;padding:10px 12px;border-radius:8px;background:none;border:0;cursor:pointer}
nav.main a:hover,nav.main button.nb:hover{background:var(--soft)}
.has-dd{position:relative}.dd{display:none;position:absolute;left:0;top:100%;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--sh);padding:8px;z-index:60}
.has-dd:hover .dd,.has-dd:focus-within .dd,.has-dd.open .dd{display:block}.dd a{display:block;padding:8px 12px;font-weight:600}
.dd .dd-h{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:var(--muted);padding:8px 12px 2px;font-weight:700}
.hdr-cta{display:flex;gap:8px;align-items:center}.hdr-cta .btn{white-space:nowrap}.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-weight:700;color:var(--navy)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;font-weight:750;text-decoration:none;border-radius:999px;padding:13px 22px;border:2px solid transparent;cursor:pointer;font-size:1rem;line-height:1.1;transition:transform .08s,background .15s}
.btn:active{transform:scale(.98)}.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:var(--red2);color:#fff}
.btn-navy{background:var(--navy);color:#fff}.btn-navy:hover{background:var(--blue);color:#fff}
.btn-ghost{background:#fff;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--soft);color:var(--navy)}
.btn-block{width:100%}.btn-sm{padding:9px 16px;font-size:.92rem}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:1.2em 0}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--blue) 100%);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:36px;align-items:center;padding-top:48px;padding-bottom:48px}
.hero h1{color:#fff}.hero p.lead{font-size:1.18rem;color:#dbe5f7;max-width:34em}.hero .kicker{color:var(--gold)}
.hero .btn-ghost{background:transparent;color:#fff;border-color:#fff}.hero .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.hero .photo{border-radius:20px;overflow:hidden;box-shadow:0 18px 50px rgba(0,0,0,.35);border:4px solid rgba(255,255,255,.9)}
.hero .photo img{width:100%;height:100%;object-fit:cover;aspect-ratio:4/3}
.kicker{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:var(--red);margin-bottom:.6em}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:1.2em 0 0}.chip{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);color:#fff;padding:7px 13px;border-radius:999px;font-size:.88rem;font-weight:650}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff}.page-hero .wrap{padding-top:34px;padding-bottom:34px;display:grid;grid-template-columns:1.2fr .8fr;gap:30px;align-items:center}
.page-hero.noimg .wrap{grid-template-columns:1fr}.page-hero h1{color:#fff;margin-bottom:.35em}.page-hero p.lead{color:#dbe5f7;font-size:1.1rem;margin:0;max-width:40em}
.page-hero .photo{border-radius:16px;overflow:hidden;border:3px solid rgba(255,255,255,.9)}.page-hero .photo img{width:100%;aspect-ratio:4/3;object-fit:cover}
.page-hero .kicker{color:var(--gold)}
.crumbs{font-size:.86rem;color:#c7d5f0;margin-bottom:.8em}.crumbs a{color:#c7d5f0}.crumbs span{opacity:.6;margin:0 6px}
/* layout */
main{display:block}section.band{padding:56px 0}section.band.soft{background:var(--soft)}section.band.navy{background:var(--navy);color:#e8eefc}section.band.navy h2,section.band.navy h3{color:#fff}
.content{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:44px;align-items:start;padding:44px 0}
.content article>h2:first-child{margin-top:0}.content article h2{border-top:1px solid var(--line);padding-top:1.1em}.content article h2:first-of-type{border-top:0;padding-top:0}
aside.side{position:sticky;top:96px;display:grid;gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.grid2{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.tile{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .12s,box-shadow .12s}
.tile:hover{transform:translateY(-3px);box-shadow:var(--sh);color:var(--ink)}.tile img{width:100%;aspect-ratio:4/3;object-fit:cover}
.tile .tb{padding:14px 16px}.tile h3{margin:0 0 .25em;font-size:1.08rem}.tile p{margin:0;color:var(--muted);font-size:.92rem}
.pill{display:inline-block;background:var(--soft);border:1px solid var(--line);color:var(--navy);padding:7px 13px;border-radius:999px;font-weight:650;font-size:.9rem;text-decoration:none;margin:0 6px 8px 0}.pill:hover{background:var(--navy);color:#fff}
.fig{margin:1.4em 0}.fig img{border-radius:12px;width:100%}.fig figcaption{font-size:.84rem;color:var(--muted);margin-top:6px}
.photo-row{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin:1.4em 0}.photo-row .fig{margin:0}.photo-row img{aspect-ratio:4/3;object-fit:cover}
.callout{border-left:5px solid var(--blue2);background:var(--soft);padding:16px 18px;border-radius:0 12px 12px 0;margin:1.4em 0}.callout strong{display:block;color:var(--navy);margin-bottom:4px}
.callout.verify{border-color:var(--gold);background:#fff9e8}.callout.warn{border-color:var(--red);background:#fff2f3}
.callout div p:last-child{margin-bottom:0}
.tablewrap{overflow-x:auto;margin:1.2em 0;border:1px solid var(--line);border-radius:12px}table{border-collapse:collapse;width:100%;font-size:.94rem;min-width:520px}th,td{padding:11px 14px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft);color:var(--navy);font-size:.82rem;text-transform:uppercase;letter-spacing:.05em}tr:last-child td{border-bottom:0}
.steps{list-style:none;padding:0;margin:1.2em 0;display:grid;gap:14px}.steps li{display:flex;gap:14px;align-items:flex-start}.steps p{margin:.2em 0 0;color:var(--muted)}
.stepn{flex:0 0 34px;height:34px;border-radius:50%;background:var(--red);color:#fff;font-weight:800;display:grid;place-items:center}
.checks{list-style:none;padding:0;margin:1em 0}.checks li{padding:6px 0 6px 30px;position:relative}.checks li:before{content:"";position:absolute;left:0;top:.75em;width:16px;height:9px;border-left:3px solid var(--red);border-bottom:3px solid var(--red);transform:rotate(-45deg)}
.sources{background:var(--soft);border-radius:12px;padding:16px 20px;margin:2em 0;font-size:.92rem}.sources h3{font-size:1rem;margin-bottom:.4em}.sources ul{margin:0;padding-left:1.1em}
mark.tbd{background:#fff0a8;color:#5a4700;padding:1px 5px;border-radius:5px;font-weight:650;font-size:.92em;border:1px dashed #d1a300}
/* reviews, hgtv */
.review{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}.review .stars{color:#f5a623;letter-spacing:2px;margin-bottom:6px}.review p{font-size:.98rem}.review footer{font-weight:700;color:var(--navy)}.review footer span{display:block;font-weight:500;color:var(--muted);font-size:.84rem}
.hgtv{background:linear-gradient(120deg,#0b1730,#1b3568);color:#fff;border-radius:22px;padding:30px;display:grid;grid-template-columns:auto 1fr auto;gap:26px;align-items:center}
.hgtv-badge{background:#fff;color:var(--navy);border-radius:14px;padding:14px 18px;text-align:center;font-weight:900;line-height:1;min-width:150px}.hgtv-badge small{display:block;font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin-bottom:5px}.hgtv-badge b{font-size:1.9rem;letter-spacing:.02em}
.hgtv h2,.hgtv h3{color:#fff;margin:0 0 .3em}.hgtv p{margin:0;color:#dbe5f7}
.trustbar{background:#fff;border-bottom:1px solid var(--line)}.trustbar .wrap{display:flex;gap:26px;justify-content:center;flex-wrap:wrap;padding-top:14px;padding-bottom:14px;font-weight:700;color:var(--navy);font-size:.92rem}.trustbar span{white-space:nowrap}
/* forms */
.lead-form{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;box-shadow:var(--sh)}.lead-form h3{margin-bottom:.15em}.lead-form .sub{color:var(--muted);font-size:.95rem}
.lead-form label{display:block;font-weight:650;font-size:.9rem;margin:0 0 12px;color:var(--navy)}.lead-form .opt{font-weight:500;color:var(--muted)}
input,select,textarea{width:100%;font:inherit;padding:12px 12px;border:1.5px solid #c9d3e3;border-radius:10px;background:#fff;color:var(--ink);margin-top:5px}input:focus,select:focus,textarea:focus{outline:3px solid rgba(46,95,163,.35);border-color:var(--blue2)}
.pref{border:0;padding:0;margin:0 0 12px}.pref legend{font-weight:650;font-size:.9rem;color:var(--navy);margin-bottom:6px;padding:0}.lead-form label.inline{display:inline-flex;align-items:center;gap:6px;margin:0 12px 0 0;font-weight:600}.lead-form label.inline input{width:auto;margin:0}
.hp{position:absolute!important;left:-5000px!important}.fine{font-size:.76rem;color:var(--muted);margin:.8em 0 0}.form-status{margin:.6em 0 0;font-weight:700}.form-status.err{color:var(--red2)}.form-status.ok{color:#0a7a3d}
.lead-form.compact .sub{display:none}
/* faq */
.faq{border:1px solid var(--line);border-radius:12px;margin:10px 0;background:#fff}.faq summary{padding:15px 18px;font-weight:700;cursor:pointer;color:var(--navy);list-style:none}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";float:right;font-size:1.3rem;line-height:1;color:var(--red)}.faq[open] summary:after{content:"–"}.faq>div{padding:0 18px 14px}
/* footer */
.cta-band{background:linear-gradient(120deg,var(--red2),var(--red));color:#fff;text-align:center;padding:44px 0}.cta-band h2{color:#fff;margin:0 0 .3em}.cta-band .btn-navy{background:var(--navy)}
footer.site-footer{background:var(--navy);color:#c7d5f0;padding:44px 0 90px;font-size:.93rem}footer a{color:#fff;text-decoration:none}footer a:hover{text-decoration:underline;color:#fff}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}.site-footer h4{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.08em;margin-bottom:.7em}.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin:5px 0}
.disclaimer{border-top:1px solid rgba(255,255,255,.16);margin-top:28px;padding-top:18px;font-size:.84rem;color:#a9bbe0}
/* mobile bar + chat */
.mbar{display:none}
.chat-launch{position:fixed;right:16px;bottom:16px;z-index:70;background:var(--blue2);color:#fff;border:0;border-radius:999px;padding:13px 20px;font-weight:800;box-shadow:0 8px 24px rgba(0,0,0,.28);cursor:pointer;font-size:.98rem}
.chat-launch:hover{background:var(--blue)}
.chat{position:fixed;right:16px;bottom:16px;width:min(380px,calc(100vw - 24px));max-height:min(620px,calc(100vh - 32px));z-index:80;background:#fff;border-radius:18px;box-shadow:0 18px 60px rgba(0,0,0,.35);display:none;flex-direction:column;overflow:hidden}
.chat.open{display:flex}.chat-h{background:var(--navy);color:#fff;padding:14px 16px;display:flex;justify-content:space-between;align-items:center}.chat-h strong{display:block}.chat-h small{opacity:.8}.chat-x{background:none;border:0;color:#fff;font-size:1.5rem;cursor:pointer}
.chat-b{padding:14px;overflow:auto;flex:1;background:var(--soft);display:flex;flex-direction:column;gap:10px}
.msg{max-width:86%;padding:10px 13px;border-radius:14px;font-size:.95rem}.msg.bot{background:#fff;border:1px solid var(--line);align-self:flex-start}.msg.me{background:var(--blue2);color:#fff;align-self:flex-end}
.qr{display:flex;flex-wrap:wrap;gap:8px}.qr button{border:1.5px solid var(--blue2);background:#fff;color:var(--blue2);font-weight:700;border-radius:999px;padding:8px 13px;cursor:pointer;font-size:.9rem}.qr button:hover{background:var(--blue2);color:#fff}
.chat-f{display:flex;gap:8px;padding:10px;border-top:1px solid var(--line);background:#fff}.chat-f input{margin:0}.chat-f button{border:0;background:var(--red);color:#fff;font-weight:800;border-radius:10px;padding:0 16px;cursor:pointer}
.chat-alt{font-size:.82rem;padding:8px 14px 12px;background:#fff;color:var(--muted)}
.staging-banner{background:#fff0a8;color:#5a4700;text-align:center;font-weight:700;font-size:.85rem;padding:6px 10px;border-bottom:1px solid #d1a300}

.calc{margin:1.6em 0}.calc h3{margin:0 0 .1em}.calc .sub{color:var(--muted);font-size:.92rem;margin:0 0 14px}
.calc-addons{border:0;padding:0;margin:6px 0 14px;display:grid;gap:8px}.calc-addons legend{font-weight:650;font-size:.9rem;color:var(--navy);margin-bottom:4px;padding:0}
.calc-addon{display:flex!important;align-items:center;gap:8px;font-weight:600;font-size:.94rem}.calc-addon input{width:auto;margin:0}
.calc-result{background:var(--soft);border-radius:12px;padding:16px 18px;font-size:1.1rem;font-weight:700;color:var(--navy);text-align:center}
.calc-result strong{font-size:1.5rem;color:var(--red2)}
@media (max-width:1040px){
 .hero .wrap,.page-hero .wrap{grid-template-columns:1fr}.hero .photo{order:-1}.content{grid-template-columns:1fr}aside.side{position:static}
 .grid3{grid-template-columns:1fr 1fr}.grid4{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr 1fr}
 .hgtv{grid-template-columns:1fr;text-align:center}.hgtv-badge{margin:0 auto}
 nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 16px 16px;box-shadow:var(--sh);max-height:75vh;overflow:auto}
 nav.main.open{display:block}nav.main>ul{flex-direction:column;align-items:stretch}.has-dd .dd{position:static;display:none;box-shadow:none;border:0;padding:0 0 0 12px}.has-dd.open .dd{display:block}.has-dd:hover .dd{display:none}.has-dd.open:hover .dd{display:block}
 .menu-btn{display:block;margin-left:auto}.hdr-cta .btn-red{display:none}.hdr-cta{margin-left:0}
}
@media (max-width:640px){
 body{font-size:16.5px}.grid3,.grid4,.grid2,.photo-row{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr}.topbar .areas{display:none}.hero .wrap{padding-top:28px;padding-bottom:30px}
 .mbar{display:grid;grid-template-columns:1fr 1fr 1.25fr;gap:8px;position:fixed;left:0;right:0;bottom:0;z-index:90;background:#fff;border-top:1px solid var(--line);padding:8px 10px calc(8px + env(safe-area-inset-bottom));box-shadow:0 -6px 20px rgba(0,0,0,.12)}
 .mbar a{display:flex;align-items:center;justify-content:center;font-weight:800;text-decoration:none;border-radius:12px;padding:13px 6px;font-size:.98rem}
 .mbar .m-call{background:var(--navy);color:#fff}.mbar .m-text{background:#fff;color:var(--navy);border:2px solid var(--navy)}.mbar .m-est{background:var(--red);color:#fff}
 .chat-launch{bottom:78px;right:12px;padding:11px 16px}.chat{right:8px;left:8px;width:auto;bottom:8px;max-height:calc(100vh - 16px)}
 .brand small{display:none}.hdr{gap:10px}.hgtv{padding:22px}
}
@media print{.topbar,.mbar,.chat-launch,.site-header{display:none}}

/* nav polish */
.site-header nav a, .site-header nav button { white-space: nowrap; }
@media (min-width: 1041px) and (max-width: 1650px) {
  .site-header nav a, .site-header nav button { padding-left: 6px; padding-right: 6px; font-size: .88rem; }
  .site-header .btn { padding-left: 14px; padding-right: 14px; font-size: .9rem; white-space: nowrap; }
  .site-header .brand small { display: none; }
}
@media (min-width: 1041px) and (max-width: 1180px) { .site-header .hdr .btn-navy { display: none; } .site-header nav a, .site-header nav button { font-size: .84rem; padding-left: 5px; padding-right: 5px; } }
@media (min-width: 1041px) { .site-header .brand { flex-shrink: 0; white-space: nowrap; margin-right: 8px; } .site-header .hdr { max-width: 1500px; } }
@media (min-width: 1041px) and (max-width: 1180px) { .site-header .brand { font-size: 0; } }
@media (min-width: 1181px) and (max-width: 1650px) { .site-header .hdr .btn-navy { display: none; } }
@media (min-width: 1181px) and (max-width: 1300px) { .site-header .brand span { font-size: .82rem; } }
.hgtv-badge.has-logo{padding:14px 20px 16px;min-width:190px}.hgtv-badge.has-logo small{color:#5b6b85;margin-bottom:8px}.hgtv-badge.has-logo img{display:block;width:170px;height:auto;margin:0 auto}

/* HGTV prominence */
.hgtv-top{background:#fff;border-bottom:4px solid #22abc1}.hgtv-top .wrap{display:flex;justify-content:center}
.hgtv-top a{display:flex;align-items:center;gap:22px;padding:12px 0;text-decoration:none;color:var(--navy);flex-wrap:wrap;justify-content:center}
.hgtv-top .ht-lbl{font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.85rem;color:#5b6b85}
.hgtv-top img{height:76px;width:auto}.hgtv-top .ht-txt{font-size:1.05rem}.hgtv-top .ht-txt u{color:var(--red);font-weight:700}
.hero .photo{position:relative}
.photo-hgtv{position:absolute;left:-14px;bottom:-16px;background:#fff;border-radius:14px;padding:10px 16px 12px;box-shadow:0 10px 30px rgba(0,0,0,.35);text-align:center;text-decoration:none}
.photo-hgtv small{display:block;font-size:.66rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase;color:#5b6b85;margin-bottom:5px}
.photo-hgtv img{display:block;width:120px;height:auto}
@media (max-width:640px){.hgtv-top img{height:56px}.hgtv-top a{gap:8px}.hgtv-top .ht-txt{font-size:.9rem;text-align:center}.photo-hgtv{left:8px;bottom:8px}.photo-hgtv img{width:90px}}
.hero .photo .photo-hgtv{position:absolute;width:auto;height:auto}
.hero .photo .photo-hgtv img{width:120px;height:auto;max-width:none;border:0;border-radius:0;box-shadow:none;aspect-ratio:auto;object-fit:contain}
@media (max-width:640px){.hero .photo .photo-hgtv img{width:84px}}
.hero .photo .photo-hgtv{left:16px;bottom:16px;padding:10px 16px 12px}