*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

  :root {
    --navy: #1B2A4A;
    --red: #C12030;
    --white: #FFFFFF;
    --off-white: #F7F8FA;
    --border: #E5E7EB;
    --mid-gray: #6B7280;
  }

  body {
    font-family: 'Inter', -apple-system, BlinkMacSystemFont, sans-serif;
    background: var(--white);
    color: var(--navy);
    line-height: 1.5;
    overflow-x: hidden;
  }

  /* NAV */
  nav {
    position: sticky; top: 0; z-index: 100;
    background: var(--white);
    border-bottom: 1.5px solid var(--border);
    display: flex; align-items: center; justify-content: space-between;
    padding: 0 48px; height: 64px;
  }
  .nav-logo { display: flex; align-items: center; gap: 10px; text-decoration: none; }
  .nav-brand { font-size: 18px; font-weight: 800; letter-spacing: -0.3px; }
  .nav-brand .b1 { color: var(--navy); }
  .nav-brand .b2 { color: var(--red); }
  .nav-right { display: flex; align-items: center; gap: 24px; }
  .nav-link { text-decoration: none; color: var(--navy); font-size: 14px; font-weight: 500; transition: color 0.15s; }
  .nav-link:hover { color: var(--red); }
  .nav-cta { background: var(--red); color: var(--white); padding: 9px 20px; border-radius: 6px; font-size: 14px; font-weight: 600; text-decoration: none; transition: background 0.15s; }
  .nav-cta:hover { background: #a31b28; }

  /* HERO */
  .hero { background: var(--white); padding: 80px 48px 88px; text-align: center; position: relative; overflow: hidden; }
  .hero::before { content: ''; position: absolute; top: -80px; right: -100px; width: 360px; height: 360px; background: rgba(193,32,48,0.05); border-radius: 50%; pointer-events: none; }
  .hero::after { content: ''; position: absolute; bottom: -80px; left: -80px; width: 300px; height: 300px; background: rgba(27,42,74,0.04); border-radius: 50%; pointer-events: none; }

  .hero-eyebrow { display: inline-flex; align-items: center; gap: 8px; background: #FEF2F3; border: 1px solid rgba(193,32,48,0.15); color: var(--red); font-size: 12px; font-weight: 600; letter-spacing: 0.6px; text-transform: uppercase; padding: 5px 14px; border-radius: 20px; margin-bottom: 24px; }
  .hero-eyebrow::before { content: ''; width: 6px; height: 6px; background: var(--red); border-radius: 50%; animation: pulse 1.8s infinite; }
  @keyframes pulse { 0%,100%{opacity:1}50%{opacity:0.4} }

  .hero h1 { font-size: clamp(38px, 5.5vw, 64px); font-weight: 900; line-height: 1.07; letter-spacing: -2px; color: var(--navy); margin-bottom: 22px; max-width: 820px; margin-left: auto; margin-right: auto; }
  .hero h1 em { font-style: normal; color: var(--red); }
  .hero-sub { font-size: 18px; color: var(--mid-gray); font-weight: 400; max-width: 520px; margin: 0 auto 44px; line-height: 1.65; }

  /* Address bar */
  .address-bar { max-width: 580px; margin: 0 auto; display: flex; align-items: center; background: var(--white); border: 2px solid var(--navy); border-radius: 8px; overflow: hidden; box-shadow: 0 4px 20px rgba(27,42,74,0.12); transition: box-shadow 0.2s, border-color 0.2s; }
  .address-bar:focus-within { border-color: var(--red); box-shadow: 0 4px 28px rgba(193,32,48,0.18); }
  .address-bar input { flex: 1; border: none; outline: none; font-size: 15px; font-family: inherit; color: var(--navy); padding: 16px 20px; background: transparent; font-weight: 500; }
  .address-bar input::placeholder { color: #9CA3AF; font-weight: 400; }
  .address-bar button { background: var(--red); color: var(--white); border: none; padding: 0 28px; height: 56px; font-size: 14px; font-weight: 700; font-family: inherit; cursor: pointer; letter-spacing: 0.3px; transition: background 0.15s; white-space: nowrap; }
  .address-bar button:hover { background: #a31b28; }
  .hero-disclaimer { margin-top: 14px; font-size: 12.5px; color: #9CA3AF; }

  /* TRUST BAR */
  .trust-bar { background: var(--navy); padding: 20px 48px; display: flex; align-items: center; justify-content: center; gap: 48px; flex-wrap: wrap; }
  .trust-item { display: flex; align-items: center; gap: 10px; color: var(--white); }
  .trust-item svg { width: 20px; height: 20px; fill: var(--red); flex-shrink: 0; }
  .trust-item span { font-size: 13.5px; font-weight: 500; opacity: 0.92; }

  /* COMMON SECTION */
  .section { padding: 80px 48px; }
  .section-alt { background: var(--off-white); }
  .section-label { display: block; font-size: 12px; font-weight: 700; letter-spacing: 1.2px; text-transform: uppercase; color: var(--red); margin-bottom: 12px; }
  .section-title { font-size: clamp(28px, 3.5vw, 42px); font-weight: 800; color: var(--navy); line-height: 1.15; letter-spacing: -0.8px; max-width: 600px; }
  .section-title em { font-style: normal; color: var(--red); }
  .section-body { font-size: 16px; color: var(--mid-gray); margin-top: 16px; max-width: 520px; line-height: 1.7; }
  .container { max-width: 1100px; margin: 0 auto; }
  .text-center { text-align: center; }
  .centered-title { margin-left: auto; margin-right: auto; text-align: center; }
  .centered-copy { margin: 16px auto 0; text-align: center; }
  .stats-section { padding-bottom: 0; }

  /* STATS */
  .stats-row { display: flex; background: var(--white); border: 1.5px solid var(--border); border-radius: 12px; overflow: hidden; margin-top: 52px; max-width: 860px; margin-left: auto; margin-right: auto; }
  .stat-cell { flex: 1; padding: 36px 32px; text-align: center; border-right: 1.5px solid var(--border); }
  .stat-cell:last-child { border-right: none; }
  .stat-number { font-size: 42px; font-weight: 900; color: var(--navy); letter-spacing: -1px; line-height: 1; }
  .stat-number span { color: var(--red); }
  .stat-label { font-size: 14px; color: var(--mid-gray); margin-top: 6px; font-weight: 500; }

  /* STEPS */
  .steps-container { max-width: 1000px; margin: 52px auto 0; display: grid; grid-template-columns: repeat(3,1fr); gap: 32px; }
  .step-card { background: var(--white); border: 1.5px solid var(--border); border-radius: 12px; padding: 36px 32px; position: relative; transition: box-shadow 0.2s, border-color 0.2s; }
  .step-card:hover { box-shadow: 0 8px 32px rgba(27,42,74,0.1); border-color: var(--navy); }
  .step-num { width: 40px; height: 40px; background: var(--red); color: var(--white); border-radius: 8px; font-size: 16px; font-weight: 800; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
  .step-title { font-size: 18px; font-weight: 700; color: var(--navy); margin-bottom: 10px; }
  .step-desc { font-size: 14.5px; color: var(--mid-gray); line-height: 1.65; }
  .step-card:not(:last-child)::after { content: '\2192'; position: absolute; right: -20px; top: 50%; transform: translateY(-50%); font-size: 22px; color: var(--red); z-index: 1; }

  /* OFFER PREVIEW */
  .offer-section { padding: 80px 48px; display: flex; align-items: center; justify-content: center; gap: 80px; max-width: 1140px; margin: 0 auto; flex-wrap: wrap; }
  .offer-text { flex: 1; max-width: 480px; }
  .offer-card { flex-shrink: 0; width: 300px; background: var(--white); border: 1.5px solid var(--border); border-radius: 16px; overflow: hidden; box-shadow: 0 12px 48px rgba(27,42,74,0.12); }
  .offer-card-header { background: var(--navy); padding: 18px 24px; display: flex; align-items: center; justify-content: space-between; }
  .offer-card-header span { color: rgba(255,255,255,0.7); font-size: 13px; font-weight: 500; }
  .offer-card-header strong { color: var(--white); font-size: 14px; font-weight: 600; }
  .offer-card-body { padding: 24px; }
  .offer-address { font-size: 13px; color: var(--mid-gray); margin-bottom: 20px; font-weight: 500; }
  .offer-label { font-size: 11px; font-weight: 700; text-transform: uppercase; letter-spacing: 0.8px; color: var(--mid-gray); margin-bottom: 6px; }
  .offer-amount { font-size: 36px; font-weight: 900; color: var(--navy); letter-spacing: -1px; margin-bottom: 4px; }
  .offer-tag { display: inline-flex; align-items: center; gap: 5px; background: #FEF2F3; color: var(--red); font-size: 12px; font-weight: 600; padding: 4px 10px; border-radius: 20px; margin-bottom: 20px; }
  .offer-divider { height: 1px; background: var(--border); margin: 16px 0; }
  .offer-row { display: flex; justify-content: space-between; font-size: 13.5px; margin-bottom: 8px; }
  .offer-row span { color: var(--mid-gray); }
  .offer-row strong { color: var(--navy); font-weight: 600; }
  .offer-btn { width: 100%; background: var(--red); color: var(--white); border: none; border-radius: 8px; padding: 14px; font-size: 14px; font-weight: 700; font-family: inherit; cursor: pointer; margin-top: 20px; transition: background 0.15s; }
  .offer-btn:hover { background: #a31b28; }
  .offer-wrapper { padding: 80px 48px; }
  .offer-benefits-list { display: flex; flex-direction: column; gap: 14px; list-style: none; margin-top: 28px; }
  .offer-benefit-item { align-items: flex-start; display: flex; gap: 12px; }
  .offer-check { align-items: center; background: #FEF2F3; border-radius: 50%; display: flex; flex-shrink: 0; height: 22px; justify-content: center; width: 22px; }
  .offer-benefit-copy { color: #374151; font-size: 14.5px; line-height: 1.6; }
  .offer-benefit-copy strong { color: #1B2A4A; }
  .offer-cta { background: #2357E6; border-radius: 8px; color: #fff; display: inline-block; font-size: 14px; font-weight: 700; margin-top: 32px; padding: 14px 28px; text-decoration: none; transition: background .15s; }
  .offer-total-label { color: #1B2A4A; font-weight: 700; }
  .offer-total-value { color: #C12030; font-size: 16px; }

  /* BENEFITS */
  .benefits-header { text-align: center; max-width: 560px; margin: 0 auto 52px; }
  .benefits-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; max-width: 1000px; margin: 0 auto; }
  .benefit-card { background: var(--white); border-radius: 12px; padding: 32px 28px; border: 1.5px solid var(--border); transition: box-shadow 0.2s; }
  .benefit-card:hover { box-shadow: 0 6px 24px rgba(27,42,74,0.09); }
  .benefit-icon { width: 48px; height: 48px; background: #FEF2F3; border-radius: 10px; display: flex; align-items: center; justify-content: center; margin-bottom: 20px; }
  .benefit-icon svg { width: 24px; height: 24px; }
  .benefit-title { font-size: 16px; font-weight: 700; color: var(--navy); margin-bottom: 8px; }
  .benefit-desc { font-size: 14px; color: var(--mid-gray); line-height: 1.65; }

  /* TESTIMONIALS */
  .testimonials { max-width: 1000px; margin: 52px auto 0; display: grid; grid-template-columns: repeat(3,1fr); gap: 24px; }
  .testimonial-card { background: var(--white); border: 1.5px solid var(--border); border-radius: 12px; padding: 28px 24px; }
  .stars { color: var(--red); font-size: 15px; letter-spacing: 1px; margin-bottom: 12px; }
  .testimonial-quote { font-size: 14.5px; color: #374151; line-height: 1.7; margin-bottom: 18px; font-style: italic; }
  .testimonial-author { display: flex; align-items: center; gap: 10px; }
  .author-avatar { width: 36px; height: 36px; border-radius: 50%; background: var(--navy); display: flex; align-items: center; justify-content: center; font-size: 13px; font-weight: 700; color: var(--white); flex-shrink: 0; }
  .author-name { font-size: 13.5px; font-weight: 600; color: var(--navy); }
  .author-location { font-size: 12px; color: var(--mid-gray); }

  /* CTA BANNER */
  .cta-banner { background: var(--navy); padding: 72px 48px; text-align: center; }
  .cta-banner h2 { font-size: clamp(28px, 4vw, 44px); font-weight: 900; color: var(--white); letter-spacing: -1px; margin-bottom: 14px; }
  .cta-banner h2 em { font-style: normal; color: var(--red); }
  .cta-banner p { color: rgba(255,255,255,0.7); font-size: 16px; margin-bottom: 36px; }
  .cta-address-bar { max-width: 520px; margin: 0 auto; display: flex; align-items: center; background: var(--white); border-radius: 8px; overflow: hidden; box-shadow: 0 8px 32px rgba(0,0,0,0.25); }
  .cta-address-bar input { flex: 1; border: none; outline: none; font-size: 15px; font-family: inherit; color: var(--navy); padding: 16px 20px; font-weight: 500; }
  .cta-address-bar input::placeholder { color: #9CA3AF; }
  .cta-address-bar button { background: var(--red); color: var(--white); border: none; padding: 0 28px; height: 54px; font-size: 14px; font-weight: 700; font-family: inherit; cursor: pointer; transition: background 0.15s; white-space: nowrap; }
  .cta-address-bar button:hover { background: #a31b28; }

  /* FOOTER */
  footer { background: #F7F8FA; border-top: 1.5px solid var(--border); padding: 56px 48px 32px; }
  .footer-top { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 48px; padding-bottom: 40px; border-bottom: 1.5px solid var(--border); margin-bottom: 28px; }
  .footer-brand { display: flex; align-items: center; gap: 8px; margin-bottom: 14px; text-decoration: none; }
  .footer-brand-name { font-size: 16px; font-weight: 800; }
  .footer-brand-name .b1 { color: var(--navy); }
  .footer-brand-name .b2 { color: var(--red); }
  .footer-tagline { font-size: 13.5px; color: var(--mid-gray); line-height: 1.6; max-width: 240px; }
  .footer-col h4 { font-size: 12px; font-weight: 700; text-transform: uppercase; letter-spacing: 1px; color: var(--navy); margin-bottom: 16px; }
  .footer-col ul { list-style: none; }
  .footer-col li { margin-bottom: 10px; }
  .footer-col a { text-decoration: none; font-size: 14px; color: var(--mid-gray); transition: color 0.15s; }
  .footer-col a:hover { color: var(--red); }
  .footer-bottom { display: flex; align-items: center; justify-content: space-between; flex-wrap: wrap; gap: 12px; }
  .footer-copy { font-size: 12.5px; color: var(--mid-gray); }
  .footer-links { display: flex; gap: 20px; }
  .footer-links a { font-size: 12.5px; color: var(--mid-gray); text-decoration: none; transition: color 0.15s; }
  .footer-links a:hover { color: var(--red); }

  /* FAQ details */
  .faq-container { max-width: 720px; }
  .faq-list { margin-top: 36px; }
  .faq-item { border-top: 1.5px solid var(--border); padding: 20px 0; }
  .faq-item-last { border-bottom: 1.5px solid var(--border); }
  .faq-summary { align-items: center; color: var(--navy); cursor: pointer; display: flex; font-size: 15px; font-weight: 600; justify-content: space-between; list-style: none; }
  .faq-summary::-webkit-details-marker { display: none; }
  .faq-plus { color: #C12030; font-size: 22px; font-weight: 300; line-height: 1; }
  .faq-item[open] .faq-plus { display: inline-block; transform: rotate(45deg); }
  .faq-answer { color: var(--mid-gray); font-size: 14.5px; line-height: 1.7; margin-top: 12px; }
  .testimonial-intro { margin: 12px auto 0; text-align: center; }
  .cta-fine-print { color: rgba(255,255,255,.45) !important; font-size: 12px !important; margin: 12px 0 0 !important; }

  /* RESPONSIVE */
  @media (max-width: 900px) {
    nav { padding: 0 24px; }
    .hero { padding: 56px 24px 64px; }
    .section { padding: 56px 24px; }
    .steps-container { grid-template-columns: 1fr; }
    .step-card::after { display: none; }
    .benefits-grid { grid-template-columns: 1fr 1fr; }
    .testimonials { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr 1fr; gap: 32px; }
    .trust-bar { gap: 24px; padding: 20px 24px; }
    .stats-row { flex-direction: column; }
    .stat-cell { border-right: none; border-bottom: 1.5px solid var(--border); }
    .stat-cell:last-child { border-bottom: none; }
    .offer-section { flex-direction: column; gap: 40px; padding: 56px 24px; }
    .offer-card { width: 100%; max-width: 340px; }
    .cta-banner { padding: 56px 24px; }
    footer { padding: 48px 24px 28px; }
  }
  @media (max-width: 600px) {
    .benefits-grid { grid-template-columns: 1fr; }
    .footer-top { grid-template-columns: 1fr; }
    .nav-right .nav-link { display: none; }
    .address-bar { flex-direction: column; }
    .address-bar button { width: 100%; height: 50px; }
    .cta-address-bar { flex-direction: column; }
    .cta-address-bar button { width: 100%; height: 50px; }
  }

  /* Modern visual refresh */
  :root {
    --navy: #16233f;
    --red: #d83a4b;
    --off-white: #f5f5f2;
    --border: #e7e5df;
    --mid-gray: #62666f;
    --ink: #16181d;
    --blue: #2357e6;
  }

  html { scroll-behavior: smooth; }
  html, body { width: 100%; max-width: 100%; overflow-x: clip; }
  body { color: var(--ink); background: #fff; }
  img, svg { max-width: 100%; }
  input, button { min-width: 0; }
  .container, .offer-section, .offer-text, .offer-card, .address-bar, .cta-address-bar,
  .steps-container, .benefits-grid, .testimonials, .footer-top, .footer-bottom { min-width: 0; }
  nav {
    position: absolute;
    inset: 0 0 auto 0;
    height: 82px;
    max-width: 1280px;
    margin: 0 auto;
    padding: 0 44px;
    background: transparent;
    border: 0;
  }
  .nav-brand .b1, .nav-brand .b2, .nav-link { color: #fff; }
  .nav-link { font-size: 13px; font-weight: 600; text-shadow: 0 1px 10px rgba(0,0,0,.25); }
  .nav-link:hover { color: #fff; opacity: .72; }
  .nav-cta {
    background: rgba(255,255,255,.12);
    border: 1px solid rgba(255,255,255,.75);
    backdrop-filter: blur(10px);
    border-radius: 999px;
    padding: 10px 18px;
  }
  .nav-cta:hover { background: #fff; color: var(--ink); }

  .hero {
    min-height: 650px;
    max-width: 1440px;
    margin: 0 auto;
    padding: 165px max(48px, calc((100% - 1180px)/2)) 80px;
    text-align: left;
    display: flex;
    flex-direction: column;
    justify-content: center;
    align-items: flex-start;
    background-image: linear-gradient(90deg, rgba(7,13,24,.86) 0%, rgba(7,13,24,.62) 35%, rgba(7,13,24,.08) 70%), url('assets/hero-family.png');
    background-position: center;
    background-size: cover;
    border-radius: 0 0 24px 24px;
  }
  .hero::before, .hero::after { display: none; }
  .hero-eyebrow {
    color: #fff;
    background: rgba(255,255,255,.14);
    border: 1px solid rgba(255,255,255,.28);
    backdrop-filter: blur(10px);
    letter-spacing: .08em;
    margin-bottom: 20px;
  }
  .hero-eyebrow::before { background: #22c55e; }
  .hero h1 {
    color: #fff;
    max-width: 610px;
    margin: 0 0 18px;
    font-size: clamp(44px, 5.2vw, 72px);
    line-height: .98;
    letter-spacing: -.055em;
  }
  .hero h1 em { color: #fff; }
  .hero-sub { color: rgba(255,255,255,.86); margin: 0 0 28px; max-width: 540px; font-size: 17px; }
  .address-bar, .cta-address-bar {
    width: 100%;
    max-width: 600px;
    margin: 0;
    border: 0;
    border-radius: 12px;
    padding: 6px;
    box-shadow: 0 18px 50px rgba(0,0,0,.2);
  }
  .address-bar:focus-within { border-color: transparent; box-shadow: 0 18px 55px rgba(0,0,0,.27); }
  .address-bar input { padding: 15px 16px; }
  .address-bar button, .cta-address-bar button, .offer-btn {
    height: 48px;
    padding: 0 24px;
    background: var(--blue);
    border-radius: 8px;
  }
  .address-bar button:hover, .cta-address-bar button:hover, .offer-btn:hover { background: #1745c4; }
  .hero-disclaimer { color: rgba(255,255,255,.68); margin-top: 13px; }

  .trust-bar {
    max-width: 1120px;
    margin: 30px auto 0;
    padding: 18px 28px;
    background: #fff;
    border: 1px solid var(--border);
    border-radius: 16px;
    justify-content: space-between;
    gap: 20px;
  }
  .trust-item { color: var(--ink); }
  .trust-item svg { fill: var(--blue); }
  .trust-item span { font-size: 12.5px; font-weight: 650; }

  .section { padding: 110px 48px; }
  .section-alt { background: var(--off-white); }
  .container { max-width: 1120px; }
  .section-label { color: var(--blue); letter-spacing: .06em; }
  .section-title { color: var(--ink); font-size: clamp(32px, 4vw, 52px); letter-spacing: -.045em; line-height: 1.05; }
  .section-title em { color: var(--ink); }
  .section-body { color: var(--mid-gray); }

  .stats-row {
    max-width: 1120px;
    border: 0;
    border-radius: 20px;
    background: var(--off-white);
    margin-top: 42px;
  }
  .stat-cell { border-color: #deddd8; padding: 40px 24px; }
  .stat-number { color: var(--ink); font-size: 44px; }
  .stat-number span { color: var(--blue); }

  .steps-container { max-width: 1120px; gap: 16px; }
  .step-card {
    min-height: 280px;
    padding: 34px;
    border: 0;
    border-radius: 20px;
    box-shadow: none;
  }
  .step-card:hover { border-color: transparent; box-shadow: 0 18px 50px rgba(22,24,29,.08); transform: translateY(-3px); }
  .step-card::after { display: none; }
  .step-num { width: 44px; height: 44px; border-radius: 50%; background: var(--blue); }
  .step-title { color: var(--ink); font-size: 20px; margin-top: 40px; }

  .offer-wrapper { padding: 110px 48px; }
  .offer-section {
    padding: 56px;
    max-width: 1120px;
    background: var(--off-white);
    border-radius: 24px;
    gap: 90px;
  }
  .offer-card {
    width: 350px;
    border: 0;
    border-radius: 22px;
    box-shadow: 0 30px 70px rgba(22,24,29,.14);
    transform: rotate(1.2deg);
  }
  .offer-card-header { background: var(--ink); }
  .offer-amount { color: var(--ink); }
  .offer-tag { background: #eaf0ff; color: var(--blue); }
  .offer-btn { width: 100%; margin-top: 20px; }
  .offer-cta { background: var(--blue); border-radius: 8px; }
  .offer-cta:hover { background: #1745c4; }

  .benefits-header { max-width: 680px; }
  .benefits-grid { max-width: 1120px; grid-template-columns: repeat(2,1fr); gap: 16px; }
  .benefit-card { padding: 38px; border: 0; border-radius: 20px; min-height: 220px; }
  .benefit-card:hover { box-shadow: 0 18px 45px rgba(22,24,29,.07); }
  .benefit-icon { width: 52px; height: 52px; background: #eaf0ff; border-radius: 50%; }
  .benefit-icon svg { stroke: var(--blue); }
  .benefit-title { color: var(--ink); font-size: 20px; margin-top: 24px; }

  .testimonials { max-width: 1120px; gap: 16px; }
  .testimonial-card {
    background: var(--off-white);
    border: 0;
    border-radius: 20px;
    padding: 34px;
    text-align: left;
  }
  .stars { color: var(--blue); }
  .testimonial-quote { color: var(--ink); font-style: normal; font-size: 15px; }
  .author-avatar { background: var(--ink); }

  .faq-item { background: #fff; border: 0; border-radius: 12px; margin-bottom: 10px; padding: 20px 22px; }
  .faq-summary { color: var(--ink); }
  .faq-plus { color: var(--blue); }

  .cta-banner {
    padding: 120px 48px;
    background-color: #17191e;
    background-image: radial-gradient(circle at 25% 15%, rgba(35,87,230,.2), transparent 28%), linear-gradient(120deg, transparent 48%, rgba(255,255,255,.035) 49%, transparent 50%);
    background-size: auto, 42px 42px;
  }
  .cta-banner h2 { color: #fff; font-size: clamp(36px, 5vw, 58px); letter-spacing: -.05em; }
  .cta-banner h2 em { color: #fff; }
  .cta-address-bar { margin: 0 auto; }

  footer { background: #111216; border: 0; color: #fff; padding: 72px 48px 34px; }
  .footer-top { max-width: 1120px; margin: 0 auto 28px; border-color: rgba(255,255,255,.12); }
  .footer-brand-name .b1, .footer-brand-name .b2, .footer-col h4 { color: #fff; }
  .footer-tagline, .footer-col a, .footer-copy, .footer-links a { color: rgba(255,255,255,.62); }
  .footer-col a:hover, .footer-links a:hover { color: #fff; }
  .footer-bottom { max-width: 1120px; margin: 0 auto; }

  .location-directory {
    background: #fff;
    padding: 88px 48px 72px;
  }
  .directory-container { max-width: 1120px; margin: 0 auto; }
  .directory-group + .directory-group { margin-top: 58px; }
  .directory-title {
    color: var(--ink);
    font-size: clamp(28px, 3vw, 38px);
    line-height: 1.15;
    letter-spacing: -.035em;
    margin-bottom: 30px;
  }
  .directory-links {
    display: grid;
    grid-template-columns: repeat(4, minmax(0, 1fr));
    column-gap: 34px;
    row-gap: 12px;
  }
  .directory-links a {
    color: var(--blue);
    font-size: 13px;
    line-height: 1.45;
    text-decoration: none;
  }
  .directory-links a:hover { color: #1745c4; text-decoration: underline; }
  .directory-toggle {
    display: none;
    align-items: center;
    gap: 8px;
    margin-top: 20px;
    padding: 0;
    border: 0;
    background: transparent;
    color: #666a72;
    font: inherit;
    font-size: 14px;
    cursor: pointer;
  }
  .directory-toggle:hover { color: var(--ink); }
  .directory-toggle-icon {
    width: 0;
    height: 0;
    border-left: 6px solid transparent;
    border-right: 6px solid transparent;
    border-top: 7px solid currentColor;
    transition: transform .2s ease;
  }
  .directory-toggle[aria-expanded="true"] .directory-toggle-icon { transform: rotate(180deg); }

  footer.legal-footer {
    background: #f7f7f5;
    border-top: 1px solid var(--border);
    color: #737780;
    padding: 52px 48px 38px;
    text-align: center;
  }
  .legal-footer-inner { max-width: 1120px; margin: 0 auto; }
  .legal-brand {
    color: var(--ink);
    display: inline-flex;
    align-items: center;
    gap: 9px;
    font-size: 17px;
    font-weight: 800;
    margin-bottom: 26px;
    text-decoration: none;
  }
  .legal-copy { font-size: 11px; line-height: 1.65; }
  .legal-copy p + p { margin-top: 10px; }
  .legal-links { margin: 24px 0 18px; font-size: 12px; line-height: 1.7; }
  .legal-links a { color: #565b65; text-decoration: none; }
  .legal-links a:hover { color: var(--blue); text-decoration: underline; }
  .legal-copyright { color: #858992; font-size: 11px; }

  @media (max-width: 900px) {
    nav { padding: 0 24px; }
    .hero { min-height: 620px; padding: 145px 32px 70px; background-position: 58% center; }
    .trust-bar { margin: 20px 20px 0; justify-content: flex-start; }
    .section, .offer-wrapper { padding: 80px 24px; }
    .offer-section { width: 100%; padding: 42px 28px; gap: 46px; }
    .offer-text { width: 100%; max-width: 620px; }
    .offer-card { width: min(100%, 350px); }
    .benefits-grid { grid-template-columns: 1fr; }
    .location-directory { padding: 76px 24px 64px; }
    .directory-links { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  }
  @media (max-width: 760px) {
    nav { height: 72px; padding: 0 20px; }
    .nav-right .nav-link { display: none; }
    .hero {
      min-height: 640px;
      padding: 126px 24px 58px;
      background-image: linear-gradient(90deg, rgba(7,13,24,.92) 0%, rgba(7,13,24,.76) 52%, rgba(7,13,24,.34) 100%), url('assets/hero-family.png');
      background-position: 64% center;
    }
    .hero h1 { font-size: clamp(40px, 10vw, 54px); max-width: 560px; }
    .hero-sub { max-width: 500px; }
    .address-bar, .cta-address-bar { max-width: 100%; }
    .trust-bar { grid-template-columns: repeat(2, minmax(0, 1fr)); display: grid; }
    .trust-item { min-width: 0; align-items: flex-start; }
    .section-title, .section-body { max-width: 100%; }
    .footer-bottom { align-items: flex-start; flex-direction: column; }
    .footer-links { flex-wrap: wrap; row-gap: 8px; }
  }
  @media (max-width: 600px) {
    nav { height: 68px; padding: 0 16px; }
    .nav-logo { gap: 7px; min-width: 0; }
    .nav-brand { font-size: 14px; white-space: nowrap; }
    .nav-right { gap: 0; }
    .nav-cta { padding: 8px 11px; font-size: 11.5px; white-space: nowrap; }
    .hero {
      min-height: 0;
      padding: 118px 18px 48px;
      background-image: linear-gradient(90deg, rgba(7,13,24,.94) 0%, rgba(7,13,24,.82) 60%, rgba(7,13,24,.5) 100%), url('assets/hero-family.png');
      background-position: 68% center;
      border-radius: 0 0 18px 18px;
    }
    .hero-eyebrow { font-size: 10px; padding: 5px 10px; margin-bottom: 16px; }
    .hero h1 { font-size: clamp(36px, 11vw, 46px); line-height: 1.02; letter-spacing: -.045em; }
    .hero h1 br { display: none; }
    .hero-sub { font-size: 15px; }
    .address-bar, .cta-address-bar { width: 100%; padding: 5px; gap: 5px; background: #fff; }
    .address-bar input, .cta-address-bar input { width: 100%; flex: none; padding: 13px 14px; font-size: 14px; }
    .address-bar button, .cta-address-bar button { width: 100%; min-height: 48px; height: auto; border-radius: 7px; padding: 12px 16px; }
    .hero-disclaimer { line-height: 1.55; }
    .trust-bar { grid-template-columns: 1fr; margin: 16px 14px 0; padding: 18px; gap: 14px; }
    .section { padding: 72px 20px; }
    .section-title { font-size: clamp(30px, 9vw, 38px); }
    .stats-row { margin-top: 30px; }
    .stat-cell { padding: 28px 20px; }
    .stat-number { font-size: 38px; }
    .steps-container { margin-top: 34px; }
    .step-card { min-height: 0; padding: 28px; }
    .step-title { margin-top: 26px; }
    .offer-wrapper { padding: 72px 20px; }
    .offer-section { width: 100%; padding: 30px 18px; gap: 38px; border-radius: 18px; overflow: hidden; }
    .offer-card { width: 100%; max-width: 100%; transform: none; }
    .offer-card-header, .offer-card-body { padding-left: 20px; padding-right: 20px; }
    .offer-amount { font-size: clamp(30px, 10vw, 36px); overflow-wrap: anywhere; }
    .offer-row { gap: 12px; align-items: flex-start; }
    .offer-row span, .offer-row strong { min-width: 0; overflow-wrap: anywhere; }
    .offer-row strong { text-align: right; }
    .offer-cta { padding-left: 18px; padding-right: 18px; text-align: center; width: 100%; }
    .benefit-card, .testimonial-card { padding: 28px; }
    .faq-item { padding-left: 18px; padding-right: 18px; }
    .faq-summary { align-items: flex-start; gap: 16px; }
    .faq-plus { flex: 0 0 auto; }
    .cta-banner { padding: 78px 18px; }
    .cta-banner h2 { font-size: clamp(34px, 10vw, 44px); }
    footer { padding: 54px 20px 28px; }
    .footer-top { gap: 28px; }
    .footer-links { column-gap: 14px; }
    .location-directory { padding: 64px 20px 54px; }
    .directory-group + .directory-group { margin-top: 48px; }
    .directory-title { font-size: 28px; margin-bottom: 24px; }
    .directory-links { grid-template-columns: repeat(2, minmax(0, 1fr)); column-gap: 24px; row-gap: 14px; }
    .directory-links a { min-width: 0; font-size: 13px; line-height: 1.55; overflow-wrap: break-word; }
    .directory-group.is-collapsed .directory-links a:nth-child(n+17) { display: none; }
    .directory-toggle { display: inline-flex; }
    footer.legal-footer { padding: 44px 20px 32px; }
    .legal-copy { font-size: 10.5px; line-height: 1.6; text-align: left; }
    .legal-links { font-size: 11px; }
  }
  @media (max-width: 360px) {
    nav { padding: 0 12px; }
    .nav-brand { font-size: 12.5px; }
    .nav-cta { padding: 7px 9px; font-size: 10.5px; }
    .hero { padding-left: 16px; padding-right: 16px; }
    .hero h1 { font-size: 35px; }
    .section, .offer-wrapper { padding-left: 16px; padding-right: 16px; }
    .benefit-card, .testimonial-card, .step-card { padding: 24px; }
    .location-directory { padding-left: 16px; padding-right: 16px; }
    .directory-links { column-gap: 18px; }
    .directory-title { font-size: 26px; }
  }
.visually-hidden {
  position: absolute;
  width: 1px;
  height: 1px;
  padding: 0;
  margin: -1px;
  overflow: hidden;
  clip: rect(0, 0, 0, 0);
  clip-path: inset(50%);
  white-space: nowrap;
  border: 0;
}