:root{
  --blue:#188bf6; --navy:#507bad; --teal:#53bac0; --ink:#1b2430; --muted:#4a5565;
  --bg:#f5f7fa; --line:#d5dbe3; --white:#fff;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.5;font-size:16px}
a{color:var(--blue)}
.wrap{max-width:960px;margin:0 auto;padding:0 16px}

/* top bar */
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar .wrap{display:flex;flex-wrap:wrap;gap:6px 18px;justify-content:center;align-items:center;padding:8px 16px;text-align:center}
.topbar a{color:#fff;font-weight:700;text-decoration:none}
.topbar .hrs{opacity:.95}

/* header */
header.brand{text-align:center;padding:18px 16px 6px;background:linear-gradient(180deg,#e8f3fd 0,#fff 100%)}
header.brand img.mark{width:64px;height:64px}
header.brand img.word{display:block;margin:6px auto 0;max-width:320px;width:80%;height:auto}
.tag{margin:6px 0 0;font-size:14px;color:var(--muted);font-weight:600}

/* hero */
.hero{background:var(--white) url(sky.jpg) center top/cover no-repeat;padding:22px 0 8px}
.hero h1{font-size:clamp(24px,5vw,34px);line-height:1.2;margin:0 0 10px;text-align:center}
.hero p.lead{font-size:18px;text-align:center;max-width:720px;margin:0 auto 12px}

/* prominent required disclosure (placed above the fold, near the form/CTA) */
.disc-top{border:2px solid var(--navy);background:#fff;border-radius:8px;padding:12px 14px;margin:14px auto;max-width:760px;font-size:16px;line-height:1.5;color:var(--ink)}
.disc-top strong{display:block;margin-bottom:4px;font-size:16px}

.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px;max-width:760px;margin:16px auto;box-shadow:0 2px 8px rgba(0,0,0,.05)}
.benefits{list-style:none;padding:0;margin:8px 0 0}
.benefits li{display:flex;gap:10px;padding:8px 0;border-bottom:1px solid #eef1f5;font-size:16px}
.benefits li:last-child{border-bottom:0}
.benefits .ck{color:var(--teal);font-weight:800}
.small{font-size:13px;color:var(--muted)}

/* form */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
form label{display:block;font-weight:600;font-size:14px;margin:10px 0 4px}
form input[type=text],form input[type=tel],form input[type=email]{width:100%;padding:12px;border:1px solid #b8c1cc;border-radius:6px;font-size:16px}
form input:focus{outline:2px solid var(--blue);outline-offset:1px}
.consent{margin-top:14px;border:1px solid var(--line);border-radius:8px;padding:12px;background:#fafbfc;font-size:13px;line-height:1.45}
.consent .who{display:flex;gap:8px;align-items:flex-start;margin:8px 0;font-size:14px}
.consent .who input{margin-top:3px;width:18px;height:18px;flex:none}
.btn{display:block;width:100%;margin-top:14px;padding:14px 18px;background:var(--blue);color:#fff;border:0;border-radius:8px;font-size:18px;font-weight:700;cursor:pointer;text-align:center;text-decoration:none}
.btn:hover{filter:brightness(.95)}
.btn[disabled]{opacity:.6;cursor:wait}
.err{color:#b42318;font-size:14px;margin-top:8px;min-height:1em}
.ok{background:#ecfdf3;border:1px solid #a6e4c1;color:#05603a;padding:12px;border-radius:8px;margin-top:12px}

.callbox{text-align:center;padding:18px}
.callbox .num{font-size:30px;font-weight:800;display:block;margin:4px 0;text-decoration:none}
.callbox .meta{font-size:14px;color:var(--muted)}

.carriers{text-align:center;margin:18px auto}
.carriers h2{font-size:16px;margin:0 0 6px;color:var(--muted);font-weight:600}
.carriers img{width:100%;max-width:760px;height:auto}

/* fine print is 16px (= 12pt) because CMS general standards call for 12-point type */
footer{background:var(--bg);border-top:1px solid var(--line);margin-top:24px;padding:20px 0 32px}
footer .fine{font-size:16px;line-height:1.55;color:#2f3a49}
footer .fine p{margin:0 0 10px}
footer .links{margin-top:12px;font-size:14px}
footer .links a{margin-right:12px}

/* quiz (call-now) */
.step{display:none}
.step.on{display:block}
.choices{display:flex;gap:10px;flex-wrap:wrap;margin-top:8px}
.choices button{flex:1 1 120px;padding:14px;border:2px solid var(--blue);background:#fff;color:var(--blue);border-radius:8px;font-size:17px;font-weight:700;cursor:pointer}
.choices button:hover{background:var(--blue);color:#fff}
.q{font-size:18px;font-weight:700;margin:0 0 6px}

@media(max-width:560px){form .row{grid-template-columns:1fr}.callbox .num{font-size:26px}}

/* legal pages */
.legal{max-width:760px;margin:0 auto;padding:24px 16px 8px}
.legal h1{font-size:28px;margin:0 0 4px}
.legal h2{font-size:20px;margin:26px 0 6px}
.legal p,.legal li{font-size:16px}
.legal ul{padding-left:22px}
.legal .upd{color:var(--muted);font-size:14px;margin:0 0 16px}
.legal .fill{background:#fff3bf;padding:0 3px;border-radius:3px}