:root{--ink:#172033;--muted:#5b6473;--line:#e4e8ef;--soft:#f6f8fb;--brand:#1358d0;--brand2:#0b3f9c;--accent:#f3a712;--success:#18794e;--max:1180px;--radius:18px;--shadow:0 14px 40px rgba(25,40,70,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);line-height:1.6;background:#fff}a{color:var(--brand);text-decoration:none}a:hover{text-decoration:underline}img{max-width:100%}.container{width:min(100% - 32px,var(--max));margin:auto}.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:24px}.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.25rem;color:var(--ink)}.brand-mark{width:38px;height:38px;border-radius:11px;background:linear-gradient(135deg,var(--brand),var(--brand2));display:grid;place-items:center;color:#fff;font-weight:900}.nav-links{display:flex;align-items:center;gap:22px;flex-wrap:wrap}.nav-links a{color:var(--ink);font-weight:650;font-size:.95rem}.nav-cta{padding:10px 16px;background:var(--brand);color:#fff!important;border-radius:10px}.hero{padding:78px 0 50px;background:linear-gradient(180deg,#f8fbff 0,#fff 100%)}.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}.eyebrow{display:inline-flex;align-items:center;gap:8px;font-size:.8rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase;color:var(--brand2);background:#eaf2ff;border-radius:999px;padding:7px 11px}.hero h1{font-size:clamp(2.4rem,5vw,4.8rem);line-height:1.02;letter-spacing:-.04em;margin:18px 0}.hero p{font-size:1.14rem;color:var(--muted);max-width:720px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 18px;border-radius:11px;font-weight:750;border:1px solid transparent;cursor:pointer}.btn-primary{background:var(--brand);color:#fff}.btn-primary:hover{background:var(--brand2);text-decoration:none}.btn-secondary{background:#fff;border-color:#cbd5e1;color:var(--ink)}.hero-card,.card,.quote-card,.policy-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.hero-card{padding:26px}.hero-card h2{margin-top:0}.trust-list{display:grid;gap:13px;margin:20px 0}.trust-item{display:flex;gap:11px;align-items:flex-start}.trust-dot{flex:none;width:26px;height:26px;border-radius:50%;background:#e9f8f1;color:var(--success);display:grid;place-items:center;font-weight:900}.section{padding:68px 0}.section.soft{background:var(--soft)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;margin-bottom:30px}.section-head h2{margin:0;font-size:clamp(1.9rem,3vw,2.7rem);letter-spacing:-.03em}.section-head p{margin:0;color:var(--muted);max-width:680px}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{padding:24px}.card h3{margin:5px 0 8px;font-size:1.18rem}.card p{color:var(--muted);margin:0 0 10px}.icon{width:46px;height:46px;border-radius:13px;background:#eef4ff;display:grid;place-items:center;font-size:1.2rem}.steps{counter-reset:step}.step{display:flex;gap:16px}.step:before{counter-increment:step;content:counter(step);width:34px;height:34px;border-radius:50%;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:800;flex:none}.quote-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:32px;align-items:start}.quote-card{padding:28px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:15px}.field{display:grid;gap:6px}.field.full{grid-column:1/-1}label{font-weight:700;font-size:.9rem}input,select,textarea{width:100%;padding:12px 13px;border:1px solid #cfd6df;border-radius:10px;font:inherit;background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid #dbe8ff;border-color:var(--brand)}.fineprint{font-size:.78rem;color:var(--muted)}.notice{padding:14px 16px;border-radius:12px;background:#fff8e7;border:1px solid #f0d59d;color:#694c07}.disclosure{padding:15px 17px;border-left:4px solid var(--brand);background:#f4f8ff;border-radius:8px}.ad-slot{min-height:110px;border:1px dashed #aeb8c7;background:#fafbfd;border-radius:12px;display:grid;place-items:center;text-align:center;color:#778195;padding:16px;margin:30px 0}.article{padding:52px 0}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 280px;gap:46px;align-items:start}.article h1{font-size:clamp(2.3rem,4vw,3.6rem);line-height:1.08;letter-spacing:-.035em}.article h2{margin-top:36px;font-size:1.7rem}.article h3{margin-top:26px}.article p,.article li{color:#344054}.breadcrumb{font-size:.84rem;color:var(--muted)}.meta{display:flex;gap:14px;flex-wrap:wrap;font-size:.85rem;color:var(--muted);margin:14px 0 24px}.sidebar{position:sticky;top:94px}.sidebar .card{box-shadow:none}.toc a{display:block;padding:6px 0;font-size:.92rem}.state-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.state-link{padding:13px 14px;border:1px solid var(--line);border-radius:10px;background:#fff;font-weight:700}.site-footer{background:#111827;color:#d6dbe4;padding:54px 0 28px;margin-top:50px}.site-footer a{color:#e5ebf5}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:32px}.footer-grid h3{color:#fff;font-size:.95rem}.footer-grid a{display:block;margin:7px 0;font-size:.9rem}.footer-bottom{border-top:1px solid #2a3445;margin-top:32px;padding-top:20px;font-size:.82rem;color:#9aa5b5}.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:100;max-width:980px;margin:auto;background:#111827;color:#fff;border-radius:16px;padding:18px;box-shadow:0 18px 50px rgba(0,0,0,.25);display:none}.cookie-banner.show{display:block}.cookie-grid{display:flex;justify-content:space-between;align-items:center;gap:18px}.cookie-actions{display:flex;gap:9px;flex-wrap:wrap}.cookie-banner .btn-secondary{background:transparent;border-color:#687386;color:#fff}.tag{display:inline-block;border-radius:999px;background:#eef4ff;color:var(--brand2);font-size:.76rem;font-weight:800;padding:5px 9px}.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:28px;margin:10px 0}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--success);font-weight:900}.mobile-toggle{display:none}.legal h1{font-size:2.7rem}.legal h2{margin-top:34px}.contact-box{padding:22px;background:var(--soft);border-radius:14px}.muted{color:var(--muted)}
@media(max-width:900px){.hero-grid,.quote-wrap,.article-layout{grid-template-columns:1fr}.grid-3{grid-template-columns:1fr 1fr}.footer-grid{grid-template-columns:1fr 1fr}.state-grid{grid-template-columns:repeat(3,1fr)}.sidebar{position:static}.nav-links{display:none}.nav-links.open{display:flex;position:absolute;left:16px;right:16px;top:70px;background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px;box-shadow:var(--shadow);flex-direction:column;align-items:stretch}.mobile-toggle{display:inline-flex;border:1px solid var(--line);background:#fff;border-radius:9px;padding:9px 12px}}
@media(max-width:640px){.hero{padding-top:50px}.grid-3,.grid-2,.form-grid,.footer-grid{grid-template-columns:1fr}.state-grid{grid-template-columns:1fr 1fr}.section{padding:50px 0}.cookie-grid{align-items:flex-start;flex-direction:column}.field.full{grid-column:auto}.section-head{align-items:flex-start;flex-direction:column}}

.hero-kicker{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}.stat{padding:14px;border:1px solid var(--line);border-radius:12px;background:#fff}.stat strong{display:block;font-size:1.2rem}.cta-band{padding:30px;border-radius:20px;background:#0f2f66;color:#fff}.cta-band h2{margin-top:0}.cta-band p{color:#dbe6f8}.ad-label{font-size:.72rem;text-transform:uppercase;letter-spacing:.08em;color:#7b8494;margin-bottom:6px}.ad-container{margin:32px 0;text-align:center}.policy-links{display:flex;gap:14px;flex-wrap:wrap}.reviewed{padding:14px 16px;background:#eef7f2;border:1px solid #cce6d6;border-radius:12px;font-size:.9rem}.warning{padding:16px;border:1px solid #f0c67c;background:#fff9ec;border-radius:12px}.quote-disclosure{font-size:.8rem;color:#566070;background:#f8fafc;border:1px solid var(--line);padding:12px;border-radius:10px}.logo-word{letter-spacing:-.02em}.footer-address{font-style:normal;color:#c4ccd8}.article-list{display:grid;gap:12px}.article-list a{display:block;padding:14px;border:1px solid var(--line);border-radius:10px;background:#fff;font-weight:700}.hero-panel{padding:26px;background:#0f2f66;color:#fff;border-radius:22px;box-shadow:var(--shadow)}.hero-panel p{color:#dce8fa}.hero-panel .btn-secondary{border-color:#87a4d1}.pill{display:inline-block;padding:5px 9px;border-radius:999px;border:1px solid var(--line);font-size:.78rem;font-weight:700}.legal-note{font-size:.88rem;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:24px}