:root{
  --navy:#163A63;
  --blue:#1E5B9A;
  --teal:#27B7A7;
  --aqua:#EAF9F7;
  --sky:#EEF8FF;
  --orange:#F6A64B;
  --mint:#CFF5EF;
  --ink:#1C2F3E;
  --muted:#5E7284;
  --white:#FFFFFF;
  --soft:#F7FBFD;
  --line:#DCEAF2;
  --shadow:0 18px 45px rgba(22,58,99,.13);
  --radius:28px;
}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family: Inter, Arial, Helvetica, sans-serif;
  color:var(--ink);
  background:var(--white);
  line-height:1.55;
}
a{color:inherit}
img,svg{max-width:100%}
.topbar{
  background:var(--navy);
  color:#fff;
  font-size:14px;
  padding:8px 18px;
  text-align:center;
}
.nav{
  position:sticky;
  top:0;
  z-index:50;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:20px;
  padding:16px 6%;
  background:rgba(255,255,255,.96);
  backdrop-filter: blur(8px);
  border-bottom:1px solid rgba(220,234,242,.75);
}
.logo{
  display:flex;
  align-items:center;
  gap:12px;
  text-decoration:none;
  font-weight:800;
  color:var(--navy);
  letter-spacing:-.02em;
  font-size:21px;
}
.logo-mark{
  width:42px;height:42px;border-radius:15px;
  background:linear-gradient(135deg,var(--blue),var(--teal));
  position:relative;
  box-shadow:0 12px 28px rgba(39,183,167,.25);
}
.logo-mark:before,.logo-mark:after{
  content:"";position:absolute;border-radius:50%;background:#fff;opacity:.92;
}
.logo-mark:before{width:13px;height:13px;left:9px;top:10px}
.logo-mark:after{width:18px;height:18px;right:8px;bottom:8px}
.nav-links{display:flex;align-items:center;gap:22px;font-weight:650;font-size:15px}
.nav-links a{text-decoration:none;color:var(--navy)}
.nav-links a:hover{color:var(--teal)}
.nav-cta{display:flex;gap:10px;align-items:center}
.btn{
  display:inline-flex;align-items:center;justify-content:center;
  gap:8px;
  padding:13px 21px;
  border-radius:999px;
  background:var(--orange);
  color:white;
  text-decoration:none;
  font-weight:800;
  border:0;
  box-shadow:0 13px 26px rgba(246,166,75,.25);
  transition:.2s;
}
.btn:hover{transform:translateY(-2px)}
.btn.secondary{
  background:white;color:var(--blue);border:1px solid var(--line);
  box-shadow:none;
}
.btn.teal{background:var(--teal);box-shadow:0 13px 26px rgba(39,183,167,.25)}
.mobile-toggle{display:none;background:none;border:0;font-size:30px;color:var(--navy)}

.hero{
  position:relative;
  overflow:hidden;
  padding:84px 6% 70px;
  background:
    radial-gradient(circle at 75% 15%, rgba(246,166,75,.25), transparent 25%),
    radial-gradient(circle at 20% 20%, rgba(39,183,167,.23), transparent 28%),
    linear-gradient(135deg,#F5FCFF 0%,#EAF9F7 52%,#FFF8ED 100%);
}
.hero-grid{
  max-width:1200px;margin:auto;
  display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;
}
.eyebrow{
  display:inline-flex;gap:8px;align-items:center;
  padding:7px 13px;border-radius:999px;
  background:#fff;border:1px solid var(--line);
  color:var(--blue);font-weight:800;font-size:14px;
  box-shadow:0 8px 20px rgba(22,58,99,.06);
}
h1,h2,h3{line-height:1.08;margin:0;color:var(--navy);letter-spacing:-.035em}
h1{font-size:clamp(42px,5.5vw,74px);margin-top:18px}
h2{font-size:clamp(31px,4vw,48px)}
h3{font-size:24px}
.lead{font-size:20px;color:var(--muted);max-width:650px;margin:24px 0 28px}
.hero-actions{display:flex;gap:13px;flex-wrap:wrap}
.trust-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.trust-pill{
  background:rgba(255,255,255,.75);border:1px solid var(--line);
  border-radius:16px;padding:10px 13px;color:var(--navy);font-weight:700;font-size:14px;
}
.hero-art{
  background:white;border-radius:38px;padding:20px;box-shadow:var(--shadow);
  border:1px solid rgba(220,234,242,.9);
}
.section{padding:76px 6%}
.section.soft{background:var(--soft)}
.wrap{max-width:1200px;margin:auto}
.center{text-align:center}.center .lead{margin-left:auto;margin-right:auto}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:34px}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px;align-items:center}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:28px;box-shadow:0 12px 35px rgba(22,58,99,.07);
}
.icon{
  width:58px;height:58px;border-radius:20px;
  display:flex;align-items:center;justify-content:center;
  background:linear-gradient(135deg,var(--sky),var(--mint));
  color:var(--blue);font-weight:900;font-size:26px;margin-bottom:18px;
}
.card p{color:var(--muted);margin-bottom:0}
.feature-list{display:grid;gap:14px;margin-top:24px}
.feature{
  display:flex;gap:13px;align-items:flex-start;
  padding:15px;background:#fff;border:1px solid var(--line);border-radius:18px;
}
.check{min-width:28px;height:28px;border-radius:50%;background:var(--teal);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:900}
.split-panel{
  background:linear-gradient(135deg,var(--navy),var(--blue));
  color:white;border-radius:38px;padding:42px;position:relative;overflow:hidden;
}
.split-panel h2,.split-panel h3{color:white}
.split-panel p{color:rgba(255,255,255,.82)}
.split-panel:after{
  content:"";position:absolute;right:-80px;bottom:-90px;width:260px;height:260px;border-radius:50%;
  background:rgba(255,255,255,.11);
}
.location-cards{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:34px}
.location-card{
  min-height:320px;border-radius:34px;padding:32px;text-decoration:none;
  background:
    linear-gradient(135deg,rgba(30,91,154,.9),rgba(39,183,167,.83)),
    var(--sky);
  color:white;position:relative;overflow:hidden;box-shadow:var(--shadow);
}
.location-card h3{color:white;font-size:32px}.location-card p{max-width:430px;color:rgba(255,255,255,.86)}
.location-card:before{
  content:"";position:absolute;right:-42px;top:-45px;width:190px;height:190px;border-radius:45px;background:rgba(255,255,255,.13);transform:rotate(19deg)
}
.location-card.utah{
  background:linear-gradient(135deg,rgba(22,58,99,.92),rgba(246,166,75,.8));
}
.process{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}
.step{background:#fff;border:1px solid var(--line);border-radius:24px;padding:24px;position:relative}
.step:before{
  counter-increment:step;content:counter(step);
  width:42px;height:42px;border-radius:15px;background:var(--orange);color:#fff;font-weight:900;
  display:flex;align-items:center;justify-content:center;margin-bottom:18px;
}
.cta{
  background:
    radial-gradient(circle at 20% 20%,rgba(255,255,255,.16),transparent 24%),
    linear-gradient(135deg,var(--blue),var(--teal));
  color:white;border-radius:42px;padding:54px;text-align:center;box-shadow:var(--shadow);
}
.cta h2{color:white}.cta p{color:rgba(255,255,255,.86);font-size:18px}
.footer{
  background:#102B49;color:#fff;padding:48px 6% 25px;
}
.footer-grid{max-width:1200px;margin:auto;display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}
.footer a{color:rgba(255,255,255,.82);text-decoration:none;display:block;margin:8px 0}
.footer p{color:rgba(255,255,255,.78)}
.copyright{border-top:1px solid rgba(255,255,255,.15);max-width:1200px;margin:30px auto 0;padding-top:18px;color:rgba(255,255,255,.66);font-size:14px}
.page-hero{
  padding:70px 6%;
  background:linear-gradient(135deg,#F3FBFF,#EAF9F7);
  text-align:center;
}
.page-hero h1{font-size:clamp(38px,5vw,62px)}
.form{
  display:grid;gap:16px;background:#fff;border:1px solid var(--line);border-radius:28px;padding:30px;box-shadow:var(--shadow)
}
.form label{font-weight:800;color:var(--navy)}
.form input,.form select,.form textarea{
  width:100%;padding:14px 15px;border-radius:14px;border:1px solid var(--line);font:inherit
}
.form textarea{min-height:120px}
.notice{font-size:13px;color:var(--muted)}
.badge-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0}
.badge{background:#fff;border:1px solid var(--line);border-radius:999px;padding:9px 14px;font-weight:800;color:var(--blue)}
.disclaimer{font-size:12px;color:var(--muted);margin-top:25px}
@media(max-width:900px){
  .mobile-toggle{display:block}
  .nav{align-items:flex-start}
  .nav-links,.nav-cta{display:none}
  .nav.open{flex-direction:column}
  .nav.open .nav-links,.nav.open .nav-cta{display:flex;flex-direction:column;align-items:flex-start;width:100%}
  .hero-grid,.grid-2,.location-cards,.footer-grid{grid-template-columns:1fr}
  .grid-3,.process{grid-template-columns:1fr}
  .hero{padding-top:50px}
  .section{padding:58px 5%}
  .cta{padding:35px 22px;border-radius:30px}
}