:root{
 --navy:#163A5F;--navy2:#0F2A45;--teal:#2E6F73;--gold:#D4A017;
 --cream:#FBFAF6;--mist:#EEF4F5;--white:#fff;--text:#22313F;--muted:#607080;
 --border:#D9E1E7;--green:#236B4E;--red:#963A3A;--shadow:0 12px 30px rgba(19,47,74,.09);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#F5F7F9;color:var(--text);font-family:Arial,Helvetica,sans-serif;line-height:1.7}
img{max-width:100%;display:block}
a{color:var(--teal)}
.container{max-width:1180px;margin:auto;padding:0 24px}
.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:10px;z-index:100}
.topbar{background:var(--navy2);color:#fff;font-size:14px;padding:8px 0}
.topbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none}
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 4px 14px rgba(0,0,0,.14)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:13px 0}
.logo{max-width:260px;max-height:74px;object-fit:contain}
.nav-links{display:flex;align-items:center;gap:17px;flex-wrap:wrap}
.nav-links a{color:#fff;text-decoration:none;font-weight:800;font-size:14px}
.nav-links a:hover,.nav-links a:focus{text-decoration:underline}
.menu-btn{display:none;background:transparent;color:#fff;border:1px solid rgba(255,255,255,.55);padding:9px 13px;border-radius:8px}
.hero,.subhero{background:linear-gradient(135deg,var(--navy),#245580);color:#fff}
.hero{padding:78px 0}.subhero{padding:55px 0}
.hero-grid{display:grid;grid-template-columns:1.08fr .92fr;gap:45px;align-items:center}
.hero h1,.subhero h1{color:#fff;margin:.1em 0 .35em;line-height:1.07}
.hero h1{font-size:57px}.subhero h1{font-size:46px}
.hero p,.subhero p{font-size:20px;color:#EDF3F8;max-width:830px}
.hero-image{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.2);padding:18px;border-radius:22px}
.hero-image img{border-radius:15px;min-height:330px;object-fit:cover}
.eyebrow{display:inline-block;color:var(--gold);font-weight:900;text-transform:uppercase;letter-spacing:.09em;font-size:13px}
section{padding:72px 0;scroll-margin-top:100px}
.white{background:#fff}.mist{background:var(--mist)}.cream{background:var(--cream)}
h1,h2,h3,h4{color:var(--navy);line-height:1.2}
h2{font-size:40px;margin:0 0 14px}h3{font-size:24px}
.lead{font-size:19px;color:var(--muted);max-width:860px}
.grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:24px;margin-top:30px}
.grid2{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:24px;margin-top:30px}
.grid4{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:18px;margin-top:28px}
.card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:26px;box-shadow:var(--shadow)}
.card p{color:var(--muted)}.card ul,.card ol{padding-left:21px}
.card .kicker{color:var(--teal);font-weight:900;text-transform:uppercase;font-size:12px;letter-spacing:.07em}
.btn{display:inline-block;border:0;border-radius:999px;padding:13px 21px;margin:8px 9px 0 0;font-weight:900;text-decoration:none;cursor:pointer;font-size:16px}
.btn-gold{background:var(--gold);color:#111}.btn-white{background:#fff;color:var(--navy)}
.btn-teal{background:var(--teal);color:#fff}.btn-outline{border:2px solid var(--navy);color:var(--navy);background:transparent}
.callout{border-radius:16px;padding:23px 25px;margin:26px 0;background:#fff;border:1px solid var(--border)}
.callout.verify{border-left:6px solid var(--gold);background:#FFF9E9}
.callout.why{border-left:6px solid var(--teal);background:#F1F8F8}
.callout.caution{border-left:6px solid var(--red);background:#FFF5F5}
.callout h3{margin-top:0}
.checklist{list-style:none;padding:0}.checklist li{position:relative;padding-left:29px;margin:10px 0}
.checklist li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
.numbered{counter-reset:item;list-style:none;padding:0}.numbered li{counter-increment:item;position:relative;padding:0 0 18px 50px}
.numbered li:before{content:counter(item);position:absolute;left:0;top:0;width:34px;height:34px;border-radius:50%;background:var(--teal);color:#fff;display:grid;place-items:center;font-weight:900}
.trust-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:22px;margin-top:30px}
.trust-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:26px}
.trust-card .symbol{width:45px;height:45px;border-radius:50%;background:var(--mist);display:grid;place-items:center;color:var(--teal);font-weight:900;font-size:20px}
.compare{overflow:auto;margin:25px 0}
table{width:100%;border-collapse:collapse;background:#fff}
th,td{padding:14px;border:1px solid var(--border);text-align:left;vertical-align:top}
th{background:var(--navy);color:#fff}
.accordion-item{background:#fff;border:1px solid var(--border);border-radius:12px;margin:11px 0;overflow:hidden}
.accordion-button{width:100%;border:0;background:#fff;color:var(--navy);font-weight:900;text-align:left;padding:17px 18px;display:flex;justify-content:space-between;cursor:pointer}
.accordion-panel{display:none;padding:0 18px 18px;color:var(--muted)}
.accordion-item.open .accordion-panel{display:block}
.cta{background:var(--navy);color:#fff;border-radius:20px;padding:30px;margin-top:32px}
.cta h3{color:#fff;margin-top:0}.cta p{color:#E8F0F6}
.resource-list a{display:block;background:#fff;border:1px solid var(--border);border-radius:12px;padding:16px;margin:10px 0;text-decoration:none;font-weight:900;color:var(--navy)}
.resource-list a:hover{border-color:var(--teal)}
.breadcrumbs{font-size:14px;margin-bottom:12px}.breadcrumbs a{color:#fff}
.form-wrap{background:#fff;border:1px solid var(--border);border-radius:20px;padding:32px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:19px}
.form-group{display:flex;flex-direction:column}.form-group.full{grid-column:1/-1}
label,legend{font-weight:900;color:var(--navy);margin-bottom:7px}
input,select,textarea{width:100%;font:inherit;padding:13px 14px;border:1px solid #C4CFD8;border-radius:10px;background:#fff}
textarea{min-height:150px;resize:vertical}fieldset{border:1px solid var(--border);border-radius:12px;padding:16px}
.checks{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.check{font-weight:400;color:var(--text);display:flex;gap:8px;align-items:flex-start}.check input{width:auto;margin-top:5px}
.required{color:var(--red)}.help{font-size:13px;color:var(--muted)}.hp{position:absolute;left:-9999px}
footer{background:var(--navy2);color:#fff;padding:42px 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}footer h3{color:#fff}footer a{color:#fff}
.badge{display:inline-block;background:var(--mist);color:var(--teal);font-weight:900;border-radius:999px;padding:6px 10px;font-size:12px;margin:3px}
@media(max-width:980px){
 .hero-grid,.grid,.grid2,.grid4,.footer-grid,.trust-grid{grid-template-columns:1fr 1fr}
 .hero h1{font-size:45px}.nav-links{display:none;width:100%;flex-direction:column;align-items:flex-start;padding:10px 0}
 .nav-links.open{display:flex}.menu-btn{display:block}.nav-wrap{flex-wrap:wrap}
}
@media(max-width:680px){
 .hero-grid,.grid,.grid2,.grid4,.footer-grid,.trust-grid,.form-grid{grid-template-columns:1fr}
 .form-group.full{grid-column:auto}.checks{grid-template-columns:1fr}
 .hero h1,.subhero h1{font-size:36px}h2{font-size:32px}.hero-image img{min-height:220px}
}

/* V6 navigation and media fixes */
header{background:#fff;color:var(--navy);position:sticky;top:0;z-index:50;border-bottom:1px solid var(--border)}
.nav-wrap{padding:10px 0;min-height:104px}
.logo{width:390px;max-width:42vw;max-height:96px;object-fit:contain}
.nav-links{gap:15px}
.nav-links a{color:var(--navy)!important;font-size:14px}
.nav-links a:hover,.nav-links a:focus{color:var(--teal)!important}
.menu-btn{color:var(--navy);border:2px solid var(--navy);background:#fff;font-weight:900}
.hero-image img,.media-card img{width:100%;height:100%;object-fit:cover}
.media-card{overflow:hidden;padding:0}.media-card img{height:230px}.media-card .media-copy{padding:22px}
.city-card-img{width:100%;height:210px;object-fit:cover;border-radius:14px;margin-bottom:16px;background:var(--mist)}
.download-strip{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}
.kb-search{display:flex;gap:10px;max-width:760px;margin-top:22px}.kb-search input{flex:1}
.resource-category{border-top:4px solid var(--teal)}
.photo-note{font-size:12px;color:var(--muted);margin-top:5px}
@media(max-width:980px){.logo{width:330px;max-width:75vw}.nav-links{background:#fff;padding:18px;border-top:1px solid var(--border)}.nav-links a{width:100%;padding:7px 0}.nav-wrap{min-height:auto}}