:root{
  --navy:#0b2746;
  --navy2:#143f67;
  --navy3:#071a30;
  --orange:#d86d1d;
  --orange2:#ef8d3f;
  --cream:#f7f3eb;
  --cream2:#efe8dd;
  --paper:#ffffff;
  --ink:#1f2933;
  --muted:#66727f;
  --line:#d9dee5;
  --soft:#edf3f7;
  --sage:#6e7c63;
  --shadow:0 24px 65px rgba(7,26,48,.13);
  --shadow-sm:0 10px 30px rgba(7,26,48,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;line-height:1.68}
a{color:var(--navy2);text-underline-offset:3px}
a:hover{color:var(--orange)}
img{max-width:100%;height:auto}
.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;background:#fff;padding:10px 14px;z-index:100;border-radius:4px;box-shadow:var(--shadow-sm)}
.container{width:min(1200px,calc(100% - 48px));margin:auto}.narrow{width:min(890px,calc(100% - 48px));margin:auto}

/* Header */
.site-header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.94);backdrop-filter:blur(14px);border-top:4px solid var(--orange);border-bottom:1px solid rgba(11,39,70,.10);box-shadow:0 3px 18px rgba(7,26,48,.035)}
.head{display:flex;align-items:center;justify-content:space-between;gap:28px;min-height:96px}.brand{display:flex;align-items:center}.brand img{display:block;width:330px;max-width:45vw}.nav{display:flex;gap:22px;align-items:center;font-size:13px;font-weight:750}.nav a{text-decoration:none;color:var(--navy);position:relative;padding:10px 0}.nav a:not(.cta):after{content:"";position:absolute;left:0;right:100%;bottom:4px;height:2px;background:var(--orange);transition:.2s ease}.nav a:not(.cta):hover:after{right:0}.nav .cta{background:var(--navy);color:#fff;padding:12px 18px;border-radius:999px;box-shadow:0 8px 22px rgba(11,39,70,.16)}.nav .cta:hover{background:var(--orange);color:#fff}

/* Typography */
.eyebrow{font-size:11px;letter-spacing:.19em;text-transform:uppercase;font-weight:850;color:var(--orange)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.08;letter-spacing:-.018em}h1{font-size:clamp(45px,5.4vw,76px);margin:.18em 0 .30em}h2{font-size:clamp(32px,3.7vw,50px);margin:0 0 16px}h3{font-size:24px;margin:0 0 10px}.lead{font-size:20px;max-width:780px;color:#3d4b58}.hero-note{font-size:15px;color:#6e7a87;max-width:720px}.mini{font-size:13px;color:var(--muted)}

/* Buttons */
.buttons{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;gap:8px;text-decoration:none;font-weight:800;border-radius:999px;padding:13px 20px;border:1px solid var(--navy);transition:.2s ease}.btn.primary{background:var(--navy);color:#fff;box-shadow:0 10px 24px rgba(11,39,70,.14)}.btn.primary:hover{background:var(--orange);border-color:var(--orange);transform:translateY(-1px)}.btn.secondary{background:#fff;color:var(--navy)}.btn.secondary:hover{border-color:var(--orange);color:var(--orange);transform:translateY(-1px)}

/* Homepage hero */
.hero{position:relative;overflow:hidden;background:
 radial-gradient(circle at 82% 20%,rgba(216,109,29,.20),transparent 25%),
 linear-gradient(118deg,var(--navy3),var(--navy) 58%,#164c76);padding:86px 0 78px}
.hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px);background-size:42px 42px;mask-image:linear-gradient(to right,transparent 0,#000 65%,#000 100%);opacity:.5}.hero:after{content:"";position:absolute;width:480px;height:480px;border:1px solid rgba(255,255,255,.10);border-radius:50%;right:-170px;top:-150px}.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.08fr .92fr;gap:56px;align-items:center}.hero h1{color:#fff;max-width:790px}.hero .lead{color:#e8eef4}.hero .hero-note{color:#b8c8d7}.hero .eyebrow{color:#f3a15c}.hero .btn.primary{background:var(--orange);border-color:var(--orange);box-shadow:0 12px 30px rgba(0,0,0,.22)}.hero .btn.primary:hover{background:#f1832f}.hero .btn.secondary{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.48);color:#fff}.hero .btn.secondary:hover{background:#fff;color:var(--navy)}
.hero-proof{display:flex;gap:18px;flex-wrap:wrap;margin-top:26px}.hero-proof span{font-size:12px;color:#d6e1eb;border-left:2px solid var(--orange);padding-left:10px}

/* Evidence visual */
.evidence-stage{position:relative;min-height:455px;padding:30px 8px 18px}.evidence-stage:before{content:"";position:absolute;top:0;bottom:0;left:50%;width:5px;background:linear-gradient(var(--orange2),var(--orange));box-shadow:0 0 0 7px rgba(216,109,29,.09);transform:translateX(-50%);border-radius:5px}.evidence-frame{position:absolute;inset:30px 22px 24px;border:1px solid rgba(255,255,255,.18);border-radius:28px;background:rgba(255,255,255,.055);backdrop-filter:blur(10px);box-shadow:0 30px 80px rgba(0,0,0,.18)}.evidence-title{position:absolute;top:52px;left:48px;color:#fff;font-family:Georgia,serif;font-size:25px;z-index:3}.evidence-sub{position:absolute;top:90px;left:48px;color:#b9cad8;font-size:13px;z-index:3}.evidence-card{position:absolute;z-index:3;width:220px;background:#fff;border:1px solid rgba(255,255,255,.55);border-radius:14px;padding:18px 18px 17px;box-shadow:0 18px 42px rgba(0,0,0,.18)}.evidence-card strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:18px;margin-bottom:5px}.evidence-card span{display:block;color:#66727f;font-size:12px;line-height:1.5}.evidence-card:before{content:"";display:block;width:38px;height:4px;border-radius:4px;background:var(--orange);margin-bottom:13px}.evidence-card.one{top:150px;left:34px;transform:rotate(-2deg)}.evidence-card.two{top:228px;right:28px;transform:rotate(2deg)}.evidence-card.three{bottom:44px;left:72px;transform:rotate(-1deg)}.evidence-chip{position:absolute;z-index:4;right:40px;top:58px;background:rgba(255,255,255,.95);color:var(--navy);font-weight:850;font-size:11px;letter-spacing:.11em;text-transform:uppercase;padding:9px 12px;border-radius:999px}

/* Value strip */
.strip{background:#081e35;color:#fff;border-top:1px solid rgba(255,255,255,.08)}.strip-grid{display:grid;grid-template-columns:repeat(4,1fr)}.strip-item{padding:25px 26px;border-right:1px solid rgba(255,255,255,.14);position:relative}.strip-item:last-child{border-right:0}.strip-item:before{content:"";position:absolute;left:26px;top:0;width:38px;height:3px;background:var(--orange)}.strip-item strong{display:block;font-family:Georgia,serif;font-size:21px;margin-bottom:4px}.strip-item span{font-size:12px;color:#c3d2df;line-height:1.45}

/* Sections and cards */
.section{padding:82px 0}.section.alt{background:linear-gradient(180deg,var(--cream),#fbfaf7)}.section-head{max-width:820px;margin-bottom:38px}.section-head p{font-size:18px;color:var(--muted)}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.card{position:relative;overflow:hidden;background:#fff;border:1px solid #e2e6ea;border-radius:16px;padding:31px;box-shadow:var(--shadow-sm);transition:.22s ease}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card:after{content:"";position:absolute;width:110px;height:110px;border-radius:50%;right:-55px;bottom:-55px;background:rgba(216,109,29,.07)}.card.orange{border-top:4px solid var(--orange)}.card.navy{border-top:4px solid var(--navy)}.card p{color:#52606d}.card-link{font-weight:850;text-decoration:none}.card-number{font-size:12px;letter-spacing:.15em;color:#9aa5af;font-weight:850;margin-bottom:28px}
.feature{display:grid;grid-template-columns:.9fr 1.1fr;gap:64px;align-items:start}.quote{border-left:5px solid var(--orange);padding:24px 28px;background:#fff;font-family:Georgia,serif;font-size:27px;color:var(--navy);box-shadow:var(--shadow-sm);border-radius:0 14px 14px 0}.ticks{padding:0;list-style:none}.ticks li{margin:13px 0;padding-left:31px;position:relative}.ticks li:before{content:'✓';position:absolute;left:0;color:var(--orange);font-weight:900}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{position:relative;background:#fff;border:1px solid var(--line);padding:28px 24px 25px;border-radius:14px;box-shadow:0 8px 24px rgba(7,26,48,.04)}.step:before{counter-increment:step;content:'0' counter(step);display:block;color:var(--orange);font-weight:900;letter-spacing:.13em;margin-bottom:18px}.step:not(:last-child):after{content:"";position:absolute;width:18px;height:1px;background:var(--orange);right:-18px;top:48px}.step h3{font-size:20px}
.callout{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy3),var(--navy2));color:#fff;padding:48px 50px;border-radius:20px;display:flex;justify-content:space-between;gap:30px;align-items:center;box-shadow:var(--shadow)}.callout:after{content:"";position:absolute;width:230px;height:230px;border:1px solid rgba(255,255,255,.12);border-radius:50%;right:-80px;top:-80px}.callout h2{color:#fff;margin-bottom:8px}.callout p{margin:0;color:#d5e1ec;max-width:720px}.callout .btn{position:relative;z-index:2;border-color:#fff}.callout .btn.primary{background:#fff;color:var(--navy)}

/* Page heroes */
.page-hero{position:relative;overflow:hidden;background:linear-gradient(118deg,var(--navy3),var(--navy) 60%,#164b74);padding:68px 0 58px;border-bottom:4px solid var(--orange)}.page-hero:before{content:"";position:absolute;inset:0;background-image:linear-gradient(rgba(255,255,255,.04) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.04) 1px,transparent 1px);background-size:42px 42px;opacity:.45}.page-hero:after{content:"";position:absolute;width:300px;height:300px;border:1px solid rgba(255,255,255,.13);border-radius:50%;right:-80px;top:-115px}.page-hero .container{position:relative;z-index:2}.page-hero h1{font-size:clamp(40px,4.8vw,64px);max-width:980px;color:#fff}.page-hero .lead{color:#d8e4ee;max-width:850px}.page-hero .eyebrow{color:#f3a15c}.breadcrumbs{font-size:12px;color:#aebfd0;margin-bottom:16px}.breadcrumbs a{color:#d6e2ec;text-decoration:none}.breadcrumbs a:hover{color:#fff}

/* Articles */
.article{padding:64px 0 76px;background:linear-gradient(#fff,#fdfdfc)}.article .narrow{position:relative}.article p,.article li{font-size:17px}.article h2{font-size:35px;margin-top:48px}.article h3{font-size:24px;margin-top:32px}.article .summary{position:relative;background:linear-gradient(120deg,#eef5f9,#f8fbfc);border:1px solid #d9e4eb;border-left:5px solid var(--orange);padding:25px 26px;font-size:18px;border-radius:0 14px 14px 0;box-shadow:0 10px 30px rgba(7,26,48,.05)}.article .summary:before{content:"IN BRIEF";display:block;font-size:10px;letter-spacing:.16em;font-weight:900;color:var(--orange);margin-bottom:9px}.article .legal{background:var(--cream);border:1px solid #e4ddd2;border-radius:14px;padding:24px 26px;margin:30px 0;box-shadow:0 8px 20px rgba(7,26,48,.035)}.article .legal strong{color:var(--navy)}.article ul,.article ol{padding-left:24px}.article li::marker{color:var(--orange)}.article .cta-box{position:relative;overflow:hidden;background:linear-gradient(120deg,var(--navy3),var(--navy2));color:#fff;padding:32px;margin:42px 0;border-radius:16px;box-shadow:var(--shadow)}.article .cta-box:after{content:"";position:absolute;width:180px;height:180px;border:1px solid rgba(255,255,255,.14);border-radius:50%;right:-70px;top:-70px}.article .cta-box h3{color:#fff;margin-top:0}.article .cta-box a{color:#fff;font-weight:850;position:relative;z-index:2}.article .source-links{font-size:14px;background:#faf9f6;border:1px solid #e7e2d8;border-radius:12px;padding:20px;margin-top:36px}.disclaimer{font-size:13px;color:var(--muted);border-top:1px solid var(--line);padding-top:24px;margin-top:46px}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:12px;box-shadow:0 8px 24px rgba(7,26,48,.04)}table{width:100%;border-collapse:collapse;background:#fff}th,td{text-align:left;padding:15px 17px;border-bottom:1px solid var(--line);vertical-align:top}th{background:var(--soft);color:var(--navy)}

/* Guides */
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.guide-card{position:relative;overflow:hidden;border:1px solid #e0e5e9;border-radius:14px;padding:25px;background:#fff;box-shadow:0 9px 25px rgba(7,26,48,.045);transition:.2s ease}.guide-card:hover{transform:translateY(-3px);box-shadow:var(--shadow-sm)}.guide-card:after{content:"↗";position:absolute;right:18px;top:18px;color:#b9c1c8;font-size:18px}.guide-card .tag{font-size:10px;text-transform:uppercase;letter-spacing:.14em;color:var(--orange);font-weight:900}.guide-card h3{font-size:21px;margin-top:10px;padding-right:22px}.guide-card a{text-decoration:none}.guide-card p{color:#5e6974;font-size:15px}

/* Forms */
.form{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form .full{grid-column:1/-1}.form label{display:block;font-size:12px;font-weight:800;color:var(--navy);margin-bottom:6px}.form input,.form textarea,.form select{width:100%;padding:14px 15px;border:1px solid #c5ccd3;border-radius:9px;font:inherit;background:#fff}.form input:focus,.form textarea:focus,.form select:focus{outline:2px solid rgba(216,109,29,.22);border-color:var(--orange)}.form textarea{min-height:160px}.smallprint{font-size:12px;color:var(--muted)}

/* Footer */
.site-footer{background:#06192c;color:#d3dfeb;padding:56px 0 24px;border-top:4px solid var(--orange)}.site-footer a{color:#fff;text-decoration:none}.site-footer a:hover{color:#f3a15c}.foot-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:44px}.foot-logo{width:330px;max-width:100%;background:#fff;border-radius:10px;padding:9px}.site-footer h3{color:#fff;font-size:18px}.site-footer p{font-size:14px}.footer-bottom{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.13);display:flex;justify-content:space-between;gap:20px;font-size:12px;color:#98acc0}

@media(max-width:980px){.nav{gap:13px}.nav a:not(.cta){display:none}.hero-grid,.feature{grid-template-columns:1fr}.evidence-stage{min-height:410px}.grid3,.guide-grid{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.step:after{display:none}.strip-grid{grid-template-columns:1fr 1fr}.strip-item:nth-child(2){border-right:0}.foot-grid{grid-template-columns:1fr 1fr}.foot-grid>div:first-child{grid-column:1/-1}}
@media(max-width:650px){.container,.narrow{width:min(100% - 30px,1200px)}.head{min-height:82px}.brand img{width:245px;max-width:66vw}.hero{padding:58px 0 54px}.hero-grid{gap:30px}.hero h1{font-size:43px}.lead{font-size:18px}.evidence-stage{min-height:360px}.evidence-frame{inset:15px 0}.evidence-title{left:24px;top:36px}.evidence-sub{left:24px;top:72px}.evidence-chip{right:18px;top:28px}.evidence-card{width:190px;padding:14px}.evidence-card.one{left:8px;top:125px}.evidence-card.two{right:6px;top:205px}.evidence-card.three{left:38px;bottom:26px}.strip-grid,.grid3,.grid2,.guide-grid,.steps,.form,.foot-grid{grid-template-columns:1fr}.strip-item{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}.strip-item:last-child{border-bottom:0}.section{padding:58px 0}.callout{display:block;padding:34px 28px}.callout .btn{margin-top:18px}.page-hero{padding:54px 0 46px}.page-hero h1{font-size:40px}.article{padding:46px 0 58px}.article h2{font-size:30px}.form .full{grid-column:auto}.footer-bottom{display:block}.footer-bottom span{display:block;margin-top:7px}}
.service-ribbon{background:#fff;border-bottom:1px solid var(--line)}
.service-ribbon .container{display:grid;grid-template-columns:repeat(3,1fr)}
.ribbon-item{padding:22px 24px;border-right:1px solid var(--line)}.ribbon-item:last-child{border-right:0}
.ribbon-item b{display:block;color:var(--navy);font-family:Georgia,serif;font-size:19px;margin-bottom:3px}.ribbon-item span{display:block;color:var(--muted);font-size:13px}
@media(max-width:650px){.service-ribbon .container{grid-template-columns:1fr}.ribbon-item{border-right:0;border-bottom:1px solid var(--line)}.ribbon-item:last-child{border-bottom:0}}

/* Pricing */
.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.pricing-page .pricing-heading{margin-top:0}.pricing-intro{margin-bottom:24px}
.pricing-table th:first-child{width:39%}.pricing-table tbody th{background:var(--cream);font-family:Georgia,serif;font-size:22px;line-height:1.35;font-weight:400}
.pricing-table th,.pricing-table td{padding:28px}.pricing-table tbody tr:last-child>*{border-bottom:0}
.pricing-table strong{display:block;font-size:23px;color:var(--navy);line-height:1.4}
.price-option span,.price-detail{display:block;color:var(--muted);font-size:15px;margin-top:5px}.price-option+.price-option{margin-top:20px}
.pricing-note{color:var(--muted);margin-top:22px}.nav a[aria-current="page"]:after{right:0}
@media(max-width:1100px){.head{flex-wrap:wrap;justify-content:center;gap:8px;padding-top:16px;padding-bottom:16px}.nav{width:100%;flex-wrap:wrap;justify-content:center;gap:8px 18px}.nav a:not(.cta){display:block}.brand img{max-width:80vw}}
@media(max-width:650px){.pricing-table th,.pricing-table td{padding:18px 12px}.pricing-table tbody th{font-size:18px}.pricing-table strong{font-size:19px}.price-option span,.price-detail{font-size:14px}.pricing-table th:first-child{width:40%}.nav{font-size:12px;gap:6px 14px}}

/* Review fixes: contrast, keyboard focus and explicit fee presentation. */
:root{--orange-text:#a64d0b}
a:hover{color:var(--orange-text)}
.eyebrow,.guide-card .tag,.article .summary:before{color:var(--orange-text)}
.hero .eyebrow,.page-hero .eyebrow{color:#f3a15c}
.btn.primary:hover,.nav .cta:hover{background:var(--orange-text);border-color:var(--orange-text);color:#fff}
.hero .btn.primary{background:var(--orange-text);border-color:var(--orange-text)}
.hero .btn.primary:hover{background:#8b3f08;border-color:#8b3f08}
.btn.secondary:hover{color:var(--orange-text);border-color:var(--orange-text)}
a:focus-visible,button:focus-visible{outline:3px solid #a64d0b;outline-offset:4px}
.hero a:focus-visible,.page-hero a:focus-visible,.site-footer a:focus-visible,.cta-box a:focus-visible{outline-color:#f3a15c}
.price-base{display:block;font-size:16px;color:var(--ink);margin-top:5px}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*,*:before,*:after{transition:none!important}}

/* Guide library */
[hidden]{display:none!important}
.guide-topic{scroll-margin-top:170px;padding-top:40px;padding-bottom:48px}
.guide-topic:nth-of-type(even){background:var(--cream)}
.guide-search-section{padding:36px 0 16px}
.guide-search label{display:block;font-weight:800;color:var(--navy);margin-bottom:10px}
.guide-search-controls{display:flex;gap:12px;align-items:stretch;max-width:850px}
.guide-search input{flex:1;min-width:0;border:1px solid #697785;border-radius:8px;padding:14px 16px;font:inherit;background:#fff;color:var(--navy)}
.guide-search button{border:1px solid var(--navy);border-radius:8px;background:var(--navy);color:#fff;font:inherit;font-weight:750;padding:12px 18px;cursor:pointer}
.guide-search-section [role=status]{font-size:14px;color:var(--muted);margin:14px 0 0}
.related-guides{border-top:1px solid var(--line);margin-top:40px;padding-top:8px}
.source-links ul{margin-bottom:0}.source-links p{font-size:14px;margin-bottom:0}
@media(max-width:650px){.guide-search-controls{flex-direction:column}.guide-search button{align-self:flex-start}.guide-topic{scroll-margin-top:100px}}
/* Local coverage */
.area-pills{display:flex;flex-wrap:wrap;gap:10px 12px;margin-top:24px}
.area-pill{display:inline-flex;align-items:center;text-decoration:none;font-size:14px;font-weight:750;line-height:1.4;padding:12px 16px;background:var(--cream);border:1px solid #d9d2c6;border-radius:999px;color:var(--navy)}
.area-pill:hover{background:#fff;color:var(--orange-text);border-color:var(--orange-text)}
.area-section{scroll-margin-top:180px;padding-top:48px;padding-bottom:48px}.area-section:nth-of-type(even){background:var(--cream)}
.coverage-intro{padding-bottom:32px}.local-records a{overflow-wrap:anywhere}.local-service-list{border-left:3px solid var(--orange);padding-left:24px;margin:28px 0}.local-service-list h3:first-child{margin-top:0}
@media(max-width:650px){.area-pill{font-size:13px;padding:10px 13px}.local-service-list{padding-left:16px}.area-section{scroll-margin-top:220px}}