*{box-sizing:border-box}
html{overflow-x:hidden}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:#22303f;background:#faf6ec;line-height:1.6;font-size:16px}
h1,h2,h3,h4{font-family:Georgia,"Times New Roman",serif;color:#0f2a4a;line-height:1.25}
h1{font-size:38px}h2{font-size:29px}h3{font-size:20px}
a{color:#0f2a4a}
a:focus-visible,button:focus-visible{outline:3px solid #c9a227;outline-offset:2px}
img{max-width:100%;height:auto}
.wrap{max-width:1080px;margin:0 auto;padding:0 18px}
main section{padding:44px 0}
main section:last-of-type{padding-bottom:44px}
/* utility bar + header */
.util{background:#0f2a4a;color:#d9e2ec;font-size:13px;padding:8px 16px;text-align:center}
.util span{display:inline-block;margin:2px 10px;white-space:nowrap}
.util a{color:#e3c766;text-decoration:none}
header.site{background:#fffdf7;border-bottom:3px solid #c9a227;text-align:center;padding:20px 16px 14px}
.logo-mark{width:58px;height:58px;margin:0 auto 6px;background:#0f2a4a;border-radius:50%;display:flex;align-items:center;justify-content:center;border:3px solid #c9a227}
.logo-mark svg{width:34px;height:34px;display:block}
.logo{font-family:Georgia,serif;font-size:32px;font-weight:700;color:#0f2a4a;letter-spacing:1px;margin:0}
.logo a{text-decoration:none;color:#0f2a4a}
.tagline{color:#7a6a2f;font-size:14px;letter-spacing:2px;text-transform:uppercase;margin:2px 0 12px}
.nav{display:flex;flex-wrap:wrap;gap:6px 22px;justify-content:center;font-weight:600;font-size:15px;list-style:none;margin:0;padding:0}
.nav a{text-decoration:none;padding:10px 2px;display:inline-block;min-height:44px;line-height:24px}
.nav li{position:relative}
.dropdown>a::after{content:" ▾";color:#c9a227}
.dropdown-panel{display:none;position:absolute;left:50%;transform:translateX(-50%);top:100%;background:#fffdf7;border:1px solid #e5dcc3;border-top:3px solid #c9a227;border-radius:8px;box-shadow:0 8px 24px rgba(15,42,74,.18);min-width:320px;text-align:left;z-index:50;padding:6px 0;list-style:none;margin:0}
.dropdown-panel a{display:block;padding:10px 18px;min-height:44px;font-weight:500;white-space:nowrap}
.dropdown-panel a:hover,.dropdown-panel a:focus{background:#eef2f7}
.dropdown.open>.dropdown-panel,.dropdown:hover>.dropdown-panel,.dropdown:focus-within>.dropdown-panel{display:block}
.dropdown::after{content:"";position:absolute;left:0;right:0;top:100%;height:14px}
.menu-btn{display:none;background:#0f2a4a;color:#e3c766;border:2px solid #0f2a4a;border-radius:6px;font-weight:800;font-size:16px;padding:10px 20px;min-height:44px;cursor:pointer;margin:12px auto 0}
.callbtn{display:inline-block;margin-top:14px;background:#c9a227;color:#0f2a4a;font-weight:800;text-decoration:none;padding:11px 26px;border-radius:6px;border:2px solid #0f2a4a;min-height:44px;line-height:20px}
/* hero */
.hero{background-size:cover;background-position:center;color:#fff;text-align:center;padding:64px 20px;position:relative}
.hero::before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(15,42,74,.82),rgba(15,42,74,.58))}
.hero-inner{position:relative;max-width:760px;margin:0 auto}
.hero h1{color:#fff;font-size:40px;margin:0 0 12px}
.hero p{font-size:18px;margin:0 0 22px}
.hero .eyebrow{color:#e3c766}
.eyebrow{display:block;font-size:14px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:#7a6a2f;margin:0 0 8px}
.btn{display:inline-block;text-decoration:none;font-weight:800;padding:12px 24px;border-radius:6px;margin:4px;min-height:44px;line-height:20px}
.btn-gold{background:#c9a227;color:#0f2a4a;border:2px solid #c9a227}
.btn-outline{background:transparent;color:#fff;border:2px solid #fff}
.btn-navy{background:#0f2a4a;color:#e3c766;border:2px solid #0f2a4a}
/* ticker */
.ticker{background:#0f2a4a;color:#e3c766;overflow:hidden;padding:10px 0;font-weight:700;letter-spacing:.5px}
.ticker-track{display:inline-flex;white-space:nowrap;animation:tick 36s linear infinite;will-change:transform}
.ticker-track span{padding-right:14px}
@keyframes tick{from{transform:translateX(0)}to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.ticker-track{animation:none}}
/* sections, cards, grids */
.sec-head{text-align:center;max-width:720px;margin:0 auto 28px}
.sec-head h2{margin:0 0 8px}
.sec-head p{margin:0;color:#4a5a6d}
.gold-rule{width:72px;height:4px;background:#c9a227;margin:0 auto 16px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.card{background:#fffdf7;border:1px solid #e5dcc3;border-top:4px solid #c9a227;border-radius:8px;padding:20px;box-shadow:0 2px 8px rgba(15,42,74,.06)}
.card h3{margin:0 0 8px;font-size:19px}
.card p{margin:0;color:#4a5a6d;font-size:15px}
.card img{width:100%;height:150px;object-fit:cover;border-radius:6px;margin-bottom:12px;border:1px solid #e5dcc3;box-shadow:0 2px 8px rgba(15,42,74,.10)}
.card.dark{background:#22303f;border-color:#22303f;color:#d9e2ec}
.card.dark h3,.card.dark h2{color:#e3c766}
.card.dark p{color:#d9e2ec}
.card a{font-weight:700}
.prose-card{background:#fffdf7;border:1px solid #e5dcc3;border-radius:8px;padding:24px;box-shadow:0 2px 8px rgba(15,42,74,.06)}
.prose-card h2,.prose-card h3{margin-top:28px}
.prose-card h2:first-child,.prose-card h3:first-child{margin-top:0}
.side-row{display:grid;grid-template-columns:1fr 1fr;gap:22px;align-items:start}
.side-row img{width:100%;height:280px;object-fit:cover;border-radius:10px;border:3px solid #c9a227;box-shadow:0 4px 14px rgba(15,42,74,.14)}
.side-row.flip>img{order:2}
.side-row.flip>div{order:1}
.pill{display:inline-block;background:#0f2a4a;color:#e3c766;padding:8px 16px;border-radius:999px;font-weight:700;font-size:14px;margin:3px;min-height:36px;line-height:20px}
.pill.light{background:#eef2f7;color:#0f2a4a;border:1px solid #d9e2ec}
.pill.gold{background:#c9a227;color:#0f2a4a}
.pill a{color:inherit;text-decoration:none}
/* steps, timeline, table */
.steps{display:flex;gap:10px;align-items:stretch}
.step{flex:1;background:#fffdf7;border:1px solid #e5dcc3;border-radius:8px;padding:18px;text-align:center;box-shadow:0 2px 8px rgba(15,42,74,.06)}
.step .num{width:44px;height:44px;margin:0 auto 10px;background:#c9a227;color:#0f2a4a;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;font-size:19px}
.step h3{margin:0 0 6px;font-size:17px}
.step p{margin:0;font-size:14px;color:#4a5a6d}
.arrow{align-self:center;font-size:26px;color:#c9a227;font-weight:800}
.timeline{display:grid;grid-template-columns:repeat(5,1fr);gap:12px}
.month{background:#0f2a4a;color:#fff;border-radius:8px;padding:16px;text-align:center}
.month b{display:block;color:#e3c766;font-family:Georgia,serif;font-size:19px}
.month span{font-size:13px;color:#d9e2ec}
.month h3{color:#e3c766;margin:0 0 4px;font-size:19px}
.table-wrap{overflow-x:auto;background:#fffdf7;border:1px solid #e5dcc3;border-radius:8px;box-shadow:0 2px 8px rgba(15,42,74,.06)}
table{border-collapse:collapse;width:100%;min-width:560px}
th{background:#0f2a4a;color:#e3c766;text-align:left;padding:12px 14px;font-family:Georgia,serif}
td{padding:11px 14px;border-top:1px solid #e5dcc3;font-size:15px}
tr:nth-child(even) td{background:#faf6ec}
/* cta, endcard, faq */
.cta{background:#0f2a4a;color:#fff;text-align:center;padding:26px 18px}
.cta h2{color:#e3c766;margin:0 0 6px;font-size:24px}
.cta p{margin:0 0 14px;color:#d9e2ec}
.cta a.btn-gold{color:#0f2a4a}
.endcard{background:#fffdf7;border:2px solid #c9a227;border-radius:10px;text-align:center;padding:32px 22px;box-shadow:0 2px 10px rgba(15,42,74,.08)}
.endcard h2{margin:0 0 8px;font-size:28px}
.endcard p{margin:0 0 18px;color:#4a5a6d}
.faq{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.faq-item{background:#fffdf7;border:1px solid #e5dcc3;border-top:4px solid #c9a227;border-radius:8px;padding:0;box-shadow:0 2px 8px rgba(15,42,74,.06);overflow:hidden}
.faq-q{width:100%;text-align:left;background:none;border:0;cursor:pointer;font-family:Georgia,serif;font-size:18px;font-weight:700;color:#0f2a4a;padding:18px 20px;min-height:44px;display:flex;justify-content:space-between;gap:12px;align-items:center}
.faq-q::after{content:"+";color:#c9a227;font-size:26px;line-height:1;flex-shrink:0}
.faq-item.open .faq-q::after{content:"–"}
.faq-a{display:none;padding:0 20px 18px;color:#4a5a6d;font-size:15px}
.faq-a p{margin:0}
.faq-item.open .faq-a{display:block}
/* areas, map, breadcrumb */
.areas{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.area{background:#fffdf7;border:1px solid #e5dcc3;border-left:5px solid #c9a227;border-radius:6px;padding:15px 16px;box-shadow:0 2px 8px rgba(15,42,74,.06)}
.area h3{margin:0 0 4px;font-size:18px}
.area .zip{color:#7a6a2f;font-weight:700;font-size:14px}
.area p{margin:4px 0 0;font-size:14px;color:#4a5a6d}
.area.hq{border-left-color:#0f2a4a;background:#eef2f7}
.area a{text-decoration:none}
.mapbox{border:3px solid #c9a227;border-radius:10px;overflow:hidden;background:#fff;line-height:0}
.mapbox iframe{width:100%;height:340px;border:0;display:block}
.breadcrumb{font-size:14px;color:#4a5a6d;padding-top:16px}
.breadcrumb a{text-decoration:none}
.breadcrumb ol{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:6px}
.breadcrumb li+li::before{content:"/";margin-right:6px;color:#7a6a2f}
.last-updated{font-size:14px;color:#4a5a6d;text-align:center;padding:0 0 8px}
.related{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.show-more{display:none}
.show-more-btn{background:#0f2a4a;color:#e3c766;border:2px solid #0f2a4a;border-radius:6px;font-weight:800;font-size:16px;padding:12px 28px;min-height:44px;cursor:pointer}
.note{font-size:14px;color:#4a5a6d}
/* footer */
footer{background:#0f2a4a;color:#d9e2ec;padding:24px 0 12px;margin-top:0}
.foot{display:grid;grid-template-columns:1.35fr 1.5fr 0.85fr 0.8fr;gap:20px;max-width:1080px;margin:0 auto;padding:0 18px}
.foot>div{background:#16365e;border:1px solid #24466b;border-radius:10px;padding:16px 18px}
.foot h3{color:#e3c766;font-size:17px;margin:0 0 8px}
.foot a{color:#d9e2ec;text-decoration:none;display:block;margin:3px 0;font-size:14px;min-height:20px;white-space:nowrap}
.foot p{font-size:14px;margin:0 0 6px}
.copy{text-align:center;font-size:13px;color:#9fb0c2;border-top:1px solid #24466b;margin-top:16px;padding-top:10px}
.disclaimer{font-size:13px;color:#9fb0c2;max-width:1080px;margin:20px auto 0;padding:16px 18px 0;line-height:1.6;border-top:1px solid #24466b}

/* SPACING FIX 2026-10-31: top-aligned side-rows, uniform section gaps, balanced text-only cards */
section:not(.cta) .wrap>:first-child{margin-top:0}
section:not(.cta) .wrap>:last-child{margin-bottom:0}
section.cta{margin:18px 0}
section.cta .wrap>:last-child:is(a,button){margin-bottom:0}
.card:not(:has(img)){display:flex;flex-direction:column;justify-content:center}

/* intra-section block spacing: stacked blocks inside one section share one standard gap */
.wrap>.side-row:not(:first-child),.wrap>.steps:not(:first-child),.wrap>.related:not(:first-child),.wrap>.grid3:not(:first-child),.wrap>.grid4:not(:first-child),.wrap>.grid2:not(:first-child),.wrap>.areas:not(:first-child),.wrap>.faq:not(:first-child),.wrap>.table-wrap:not(:first-child),.wrap>.timeline:not(:first-child),.wrap>.mapbox:not(:first-child),.wrap>.endcard:not(:first-child),.wrap>.prose-card:not(:first-child){margin-top:44px}

/* same intra-section gap for blog sections, whose blocks sit directly under <section> (no .wrap) */
section>.side-row:not(:first-child),section>.steps:not(:first-child),section>.related:not(:first-child),section>.grid3:not(:first-child),section>.grid4:not(:first-child),section>.grid2:not(:first-child),section>.areas:not(:first-child),section>.faq:not(:first-child),section>.table-wrap:not(:first-child),section>.timeline:not(:first-child),section>.mapbox:not(:first-child),section>.endcard:not(:first-child),section>.prose-card:not(:first-child){margin-top:44px}
@media(max-width:900px){.grid4{grid-template-columns:repeat(2,1fr)}.timeline{grid-template-columns:repeat(3,1fr)}}
@media(max-width:700px){
  .grid4,.grid3,.grid2,.areas,.faq,.foot,.related{grid-template-columns:1fr}
  .foot{gap:16px}
  .foot>div{padding:14px 16px}
  .timeline{grid-template-columns:1fr}
  .side-row{grid-template-columns:1fr}
  .side-row.flip>img,.side-row.flip>div{order:0}
  .side-row img{height:220px}
  .steps{flex-direction:column}
  .arrow{transform:rotate(90deg)}
  .hero h1{font-size:30px}
  .hero{padding:44px 16px}
  .logo{font-size:26px}
  .mapbox iframe{height:260px}
  .menu-btn{display:block}
  .nav{display:none;flex-direction:column;gap:0;text-align:left;background:#fffdf7;border:1px solid #e5dcc3;border-radius:8px;margin-top:10px;padding:6px 12px}
  .nav.open{display:flex}
  .nav li{border-bottom:1px solid #e5dcc3}
  .nav li:last-child{border-bottom:0}
  .nav a{min-height:44px}
  .dropdown-panel{position:static;transform:none;box-shadow:none;border:0;border-top:1px solid #e5dcc3;border-radius:0;min-width:0;padding-left:14px}
  .dropdown:hover>.dropdown-panel{display:none}
  .dropdown.open>.dropdown-panel{display:block}
  .dropdown::after{display:none}
  h1{font-size:30px}h2{font-size:24px}
  main section{padding:32px 0}
  section.cta{margin:6px 0}
  .table-wrap{overflow-x:visible}
  .table-wrap table{min-width:0}
  .table-wrap thead,.table-wrap th{display:none}
  .table-wrap tr{display:block;border-bottom:1px solid #e5dcc3;padding:6px 0}
  .table-wrap td{display:flex;justify-content:space-between;gap:12px;text-align:right}
  .table-wrap td::before{content:attr(data-label);font-weight:700;text-align:left;color:#0f2a4a}
  .wrap>.side-row:not(:first-child),.wrap>.steps:not(:first-child),.wrap>.related:not(:first-child),.wrap>.grid3:not(:first-child),.wrap>.grid4:not(:first-child),.wrap>.grid2:not(:first-child),.wrap>.areas:not(:first-child),.wrap>.faq:not(:first-child),.wrap>.table-wrap:not(:first-child),.wrap>.timeline:not(:first-child),.wrap>.mapbox:not(:first-child),.wrap>.endcard:not(:first-child),.wrap>.prose-card:not(:first-child){margin-top:32px}
  section>.side-row:not(:first-child),section>.steps:not(:first-child),section>.related:not(:first-child),section>.grid3:not(:first-child),section>.grid4:not(:first-child),section>.grid2:not(:first-child),section>.areas:not(:first-child),section>.faq:not(:first-child),section>.table-wrap:not(:first-child),section>.timeline:not(:first-child),section>.mapbox:not(:first-child),section>.endcard:not(:first-child),section>.prose-card:not(:first-child){margin-top:32px}
}

/* narrow phones: allow nav/footer links to wrap rather than overflow */
@media(max-width:375px){.dropdown-panel a,.foot a{white-space:normal}}