*,*::before,*::after{box-sizing:border-box}
html{background:var(--navy-d);scroll-behavior:smooth;scroll-padding-top:84px;-webkit-text-size-adjust:100%}
body{margin:0;background:var(--cream);color:var(--ink);font-family:var(--ff);font-size:1.0625rem;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
h1,h2,h3{font-family:var(--ff);color:var(--navy);margin:0;line-height:1.12;letter-spacing:-.02em}
h1{font-size:clamp(2.6rem,6.4vw,4.6rem);font-weight:800}
h2{font-size:clamp(1.9rem,3.8vw,2.85rem);font-weight:800}
h3{font-size:1.18rem;font-weight:700;letter-spacing:-.01em}
p{margin:0}
.eyebrow{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:.82rem;letter-spacing:.14em;text-transform:uppercase;color:var(--teal);margin-bottom:16px}
.eyebrow-light{color:#9FE0DB}
.eyebrow-navy{color:var(--navy);font-size:.95rem;letter-spacing:.06em}
.cc-mark{width:38px;height:20px;color:var(--navy);flex:none}
.eyebrow-light .cc-mark,.states .cc-mark{color:#fff}

/* hero */
.hero{position:relative;background:radial-gradient(1200px 600px at 85% 10%,#0F5E66 0%,rgba(15,94,102,0) 60%),linear-gradient(160deg,var(--navy) 0%,#0D3550 55%,var(--deep) 100%);color:#fff;overflow:hidden;padding:72px 0 120px}
.hero-arcs{position:absolute;left:-170px;bottom:-230px;width:640px;opacity:.16;pointer-events:none}
.hero-arcs .arc{stroke-dasharray:820;stroke-dashoffset:820;animation:draw 2.2s cubic-bezier(.6,.1,.2,1) .2s forwards}
.hero-arcs .a2{animation-delay:.55s}
.hero-arcs .sun{transform-origin:364px 300px;animation:pop 1s cubic-bezier(.3,1.6,.5,1) 1.4s both}
@keyframes draw{to{stroke-dashoffset:0}}
@keyframes pop{from{transform:scale(0)}to{transform:scale(1)}}
.hero-grid{position:relative;display:grid;grid-template-columns:1.05fr 1fr;gap:56px;align-items:center}
.hero h1{color:#fff;animation:rise .9s cubic-bezier(.2,.7,.2,1) both}
.hero .hl{color:var(--sun);position:relative;white-space:nowrap}
.hero .lead{font-size:clamp(1.15rem,1.9vw,1.4rem);color:#D7E6EE;margin:20px 0 32px;max-width:30ch;animation:rise .9s cubic-bezier(.2,.7,.2,1) .12s both}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;animation:rise .9s cubic-bezier(.2,.7,.2,1) .22s both}
.ticks{list-style:none;padding:0;margin:30px 0 0;display:flex;flex-wrap:wrap;gap:10px 22px;font-weight:600;font-size:.98rem;color:#E4EEF4;animation:rise .9s cubic-bezier(.2,.7,.2,1) .32s both}
.ticks li{display:flex;align-items:center;gap:8px}
.ticks svg{width:20px;height:20px;color:var(--sun)}
.hero .eyebrow{animation:rise .9s cubic-bezier(.2,.7,.2,1) both}
@keyframes rise{from{opacity:0;transform:translateY(22px)}to{opacity:1;transform:none}}
.hero-media{position:relative;animation:fadeIn 1.1s ease .15s both}
@keyframes fadeIn{from{opacity:0;transform:scale(.97)}to{opacity:1;transform:none}}
.arch{border-radius:999px 999px 28px 28px;overflow:hidden;aspect-ratio:4/4.2;background:#0D3550;box-shadow:var(--shadow);position:relative}
.arch img{width:100%;height:100%;object-fit:cover}
.hero .arch{aspect-ratio:1/1.02;border:6px solid rgba(255,255,255,.08)}
.hero .arch img{object-position:50% 35%;transform-origin:50% 40%;animation:kb 18s ease-in-out infinite alternate}
@keyframes kb{from{transform:scale(1.02)}to{transform:scale(1.09)}}
.hero-sun{position:absolute;width:118px;height:118px;border-radius:50%;background:var(--sun);right:-18px;top:14%;box-shadow:0 0 0 14px rgba(255,197,58,.18),0 0 60px 10px rgba(255,197,58,.35);animation:float 6s ease-in-out infinite}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-14px)}}
.hero-media::before{content:"";position:absolute;inset:-22px -22px auto auto;width:82%;aspect-ratio:1;border-radius:50%;border:4px solid var(--teal);border-left-color:transparent;border-bottom-color:transparent;transform:rotate(10deg);opacity:.75;z-index:0}
.hero-media .arch{z-index:1}.hero-sun{z-index:2}
.hero-curve{position:absolute;left:0;right:0;bottom:-1px;width:100%;height:70px}

/* sections */
.sec{padding:96px 0}
.sec-head{text-align:center;max-width:720px;margin:0 auto 52px}
.sec-head.left{text-align:left;margin:0 0 34px}
.sec-head .eyebrow{justify-content:center}
.sec-head.left .eyebrow{justify-content:flex-start}

/* plan cards */
.plans{padding-top:56px}
.cards{display:grid;grid-template-columns:repeat(5,1fr);gap:18px}
.card{background:#fff;border-radius:var(--r);padding:28px 22px 26px;border:1px solid var(--line);position:relative;overflow:hidden;transition:transform .35s cubic-bezier(.2,.7,.2,1),box-shadow .35s,border-color .35s}
.card::after{content:"";position:absolute;left:22px;right:22px;bottom:0;height:4px;border-radius:4px 4px 0 0;background:linear-gradient(90deg,var(--teal),var(--sun));transform:scaleX(0);transform-origin:left;transition:transform .45s cubic-bezier(.2,.7,.2,1)}
.card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.card:hover::after{transform:scaleX(1)}
.ico-wrap{display:grid;place-items:center;width:64px;height:64px;border-radius:50% 50% 50% 14px;background:#E6F3F2;color:var(--navy);margin-bottom:20px;transition:background .35s,transform .35s}
.card:hover .ico-wrap{background:var(--navy);color:#fff;transform:rotate(-6deg)}
.cc-ico{width:36px;height:36px}
.cc-ico .dot{fill:var(--sun);stroke:none}
.card h3{margin-bottom:8px}
.card p{color:var(--muted);font-size:.98rem;line-height:1.5}

/* how */
.how{background:#fff;position:relative}
.how-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:72px;align-items:center}
.how-media .arch{aspect-ratio:1/1.05}
.how-media .arch img{object-position:50% 40%}
.steps{list-style:none;margin:0;padding:0;position:relative}
.steps::before{content:"";position:absolute;left:27px;top:30px;bottom:30px;width:3px;background:var(--teal);opacity:.35;border-radius:3px}
.step{display:flex;gap:22px;align-items:flex-start;padding:16px 0}
.num{flex:none;width:57px;height:57px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.3rem;position:relative;z-index:1;box-shadow:0 0 0 6px #fff;transition:background .3s,color .3s,transform .3s}
.step:hover .num{background:var(--sun);color:var(--navy);transform:scale(1.06)}
.step h3{font-size:1.3rem;margin:6px 0 4px}
.step p{color:var(--muted)}

/* turning 65 band */
.t65band{background:var(--sun);position:relative;overflow:hidden;padding:84px 0}
.t65band::before{content:"";position:absolute;right:-180px;top:-180px;width:520px;height:520px;border-radius:50%;border:60px solid rgba(255,255,255,.28)}
.t65band::after{content:"";position:absolute;left:-90px;bottom:-130px;width:300px;height:300px;border-radius:50%;border:44px solid rgba(14,42,71,.07)}
.t65-grid{position:relative;z-index:1;display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:center}
.t65-copy h2{margin-bottom:14px}
.t65-copy p{font-size:1.15rem;color:#3A3420;margin-bottom:28px;max-width:34ch;color:var(--navy)}
.t65-media .arch{aspect-ratio:1.25/1;border-radius:28px 999px 999px 28px}
.arch-ring{box-shadow:0 0 0 10px rgba(255,255,255,.5),var(--shadow)}

/* states */
.states{background:linear-gradient(170deg,var(--navy),var(--deep));color:#fff;position:relative;overflow:hidden}
.states h2{color:#fff}
.states::before{content:"";position:absolute;left:50%;top:-520px;width:900px;height:900px;margin-left:-450px;border-radius:50%;border:2px solid rgba(92,201,195,.18)}
.state-grid{list-style:none;margin:0 auto;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:14px;max-width:980px;position:relative}
.state-grid li{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:18px;padding:16px 16px 14px;display:flex;flex-direction:column;gap:2px;transition:background .3s,transform .3s,border-color .3s}
.state-grid li:hover{background:rgba(255,197,58,.14);border-color:var(--sun);transform:translateY(-3px)}
.state-grid b{font-size:1.5rem;font-weight:800;color:var(--sun);letter-spacing:.02em}
.state-grid span{font-size:.9rem;color:#C9D8E3;font-weight:500}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}
.contact .sub{font-size:1.15rem;color:var(--muted);margin:14px 0 26px}
.form{background:#fff;border-radius:28px;padding:36px 32px;box-shadow:var(--shadow);border-top:6px solid var(--sun)}
.form h3{font-size:1.5rem;margin-bottom:18px}
.form label{display:block;font-weight:600;font-size:.95rem;margin:14px 0 6px;color:var(--navy)}
.form input,.form select{width:100%;font:500 1.05rem var(--ff);padding:14px 16px;border:1.5px solid #D5DCE3;border-radius:14px;background:#FCFCFA;color:var(--ink);transition:border-color .2s,box-shadow .2s;min-height:52px}
.form input:focus,.form select:focus{outline:none;border-color:var(--teal);box-shadow:0 0 0 4px rgba(11,133,133,.15)}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.consent{font-size:.85rem;color:var(--muted);margin:18px 0}
.cc-btn-block{width:100%}
.form-status{margin-top:12px;font-size:.92rem;color:var(--deep);font-weight:600;min-height:1.2em}

@media (max-width:1100px){.cards{grid-template-columns:repeat(3,1fr)}}
@media (max-width:900px){
  .hero{padding:44px 0 96px}
  .hero-grid,.how-grid,.t65-grid,.contact-grid{grid-template-columns:1fr;gap:40px}
  .hero-media{max-width:420px;width:88%;margin:0 auto}
  .hero-sun{width:70px;height:70px;right:-8px;top:2%}
  .how-media{order:2}
  .how-media .arch,.t65-media .arch{aspect-ratio:1.4/1}
  .how-media .arch{border-radius:999px 999px 28px 28px}
  .state-grid{grid-template-columns:repeat(3,1fr)}
  .sec{padding:72px 0}
}
@media (max-width:640px){
  body{font-size:1.02rem}
  .cards{grid-template-columns:1fr 1fr;gap:12px}
  .card{padding:20px 16px}
  .card p{font-size:.92rem}
  .ico-wrap{width:54px;height:54px;margin-bottom:14px}
  .cc-ico{width:30px;height:30px}
  .card:last-child{grid-column:1/-1}
  .cta-row .cc-btn{flex:1 1 100%}
  .sec-head{margin-bottom:34px}
  .state-grid{grid-template-columns:repeat(3,1fr);gap:10px}
  .state-grid li{padding:12px 10px}
  .state-grid b{font-size:1.25rem}
  .state-grid span{font-size:.78rem;line-height:1.3}
  .form{padding:26px 20px}
  .t65band{padding:64px 0}
  .hero-arcs{display:none}
  .eyebrow{letter-spacing:.1em;font-size:.76rem}
}

.mini-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:14px;animation:rise .9s cubic-bezier(.2,.7,.2,1) .28s both}
.mini{display:inline-flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-weight:600;font-size:.98rem;padding:9px 16px 9px 12px;border-radius:999px;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);transition:background .2s,border-color .2s}
.mini svg{width:19px;height:19px;color:var(--sun)}
.mini:hover{background:rgba(255,255,255,.16);border-color:rgba(255,255,255,.4)}
.mini:focus-visible{outline:3px solid var(--sun);outline-offset:3px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:6px}
.opt{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:18px;text-decoration:none;color:var(--navy);transition:transform .3s cubic-bezier(.2,.7,.2,1),box-shadow .3s,border-color .3s}
.opt:hover{transform:translateY(-4px);box-shadow:var(--shadow);border-color:transparent}
.opt:focus-visible{outline:3px solid var(--sun);outline-offset:3px}
.opt-ico{flex:none;width:52px;height:52px;border-radius:50% 50% 50% 12px;display:grid;place-items:center;background:#E6F3F2;color:var(--navy);transition:background .3s,color .3s}
.opt-ico svg{width:26px;height:26px}
.opt:hover .opt-ico{background:var(--navy);color:#fff}
.opt-call .opt-ico{background:var(--sun)}
.opt-txt{display:flex;flex-direction:column;min-width:0}
.opt-txt b{font-size:1.08rem;font-weight:700}
.opt-txt small{font-size:.9rem;color:var(--muted);font-weight:500}
.contact .note{margin-top:20px;font-weight:600;color:var(--navy);font-size:.98rem}
.contact-grid{align-items:center}
.contact-photo{margin-top:0;max-width:none;aspect-ratio:1/1.05;border-radius:999px 999px 28px 28px}
@media (max-width:900px){.contact-media{display:none}}
@media (max-width:640px){
  .cta-row .cc-btn{flex:1 1 100%}
  .mini-row{gap:8px}.mini{flex:1 1 0;justify-content:center}
  .opts{grid-template-columns:1fr 1fr;gap:10px}
  .opt{flex-direction:column;align-items:flex-start;gap:10px;padding:16px}
  .opt-txt b{font-size:1rem}
}

/* ---- Visual refresh (varied styles) ---- */
.spot{display:block;margin:-6px -4px 18px;border-radius:16px;overflow:hidden;transition:transform .35s cubic-bezier(.2,.7,.2,1)}
.spot svg{display:block;width:100%;height:auto}
.spot-sun{transform-origin:118px 64px;transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.card:hover .spot{transform:translateY(-2px)}
.card:hover .spot-sun{transform:translateY(-6px) scale(1.08)}
.states::after{content:"";position:absolute;inset:0;background:url("img/pattern-arcs.svg") 0 0/96px 96px repeat;opacity:.55;-webkit-mask-image:linear-gradient(180deg,transparent,#000 35%,#000 70%,transparent);mask-image:linear-gradient(180deg,transparent,#000 35%,#000 70%,transparent);pointer-events:none}
.states .cc-wrap{position:relative;z-index:1}
@media (max-width:640px){
  .card:last-child{display:grid;grid-template-columns:44% 1fr;gap:0 16px;align-items:center}
  .card:last-child .spot{grid-row:1/3;margin:0}
  .card:last-child h3{align-self:end}
  .card:last-child p{align-self:start}
  .spot{margin:-4px -2px 14px;border-radius:12px}
}

/* how it works: flat line illustration, no photo frame */
.illo{margin:0;position:relative;border-radius:36px;overflow:hidden;background:#FBF6EC;box-shadow:inset 0 0 0 1px rgba(14,42,71,.06)}
.illo img{display:block;width:100%;height:auto}
/* turning 65: two-ink print, pinned like a poster */
.riso{margin:0;position:relative;background:#FFFDF6;padding:14px 14px 40px;border-radius:6px;box-shadow:0 18px 40px -18px rgba(14,42,71,.45);transform:rotate(-2.2deg);transition:transform .5s cubic-bezier(.2,.7,.2,1)}
.riso::before{content:"";position:absolute;top:-12px;left:50%;width:96px;height:26px;margin-left:-48px;background:rgba(11,133,133,.55);transform:rotate(3deg);border-radius:2px}
.riso img{display:block;width:100%;height:auto;border-radius:2px}
.t65band:hover .riso{transform:rotate(0)}
/* contact: candid documentary photo, plain print with offset block */
.candid{margin:0;position:relative;max-width:460px;margin-left:auto}
.candid::before{content:"";position:absolute;inset:22px -18px -18px 22px;background:repeating-linear-gradient(135deg,rgba(11,133,133,.18) 0 2px,transparent 2px 10px);border-radius:12px}
.candid img{position:relative;display:block;width:100%;height:auto;border-radius:12px;box-shadow:var(--shadow)}
@media (max-width:900px){.riso{max-width:520px;margin:0 auto;transform:rotate(-1.5deg)}.illo{max-width:560px;margin:0 auto}}

/* contact options: Call (largest) → Text → Email → Schedule */
.opt-call{grid-column:1/-1;background:var(--navy);color:#fff;border-color:var(--navy);padding:22px}
.opt-call .opt-txt b{font-size:1.3rem}
.opt-call .opt-txt small{color:rgba(255,255,255,.82)}
.opt-call .opt-ico{width:60px;height:60px}
.opt-call:hover .opt-ico{background:var(--sun);color:var(--navy)}
.opts{grid-template-columns:1fr;gap:12px}
.opts .opt{padding-top:16px;padding-bottom:16px}
.opts .opt-call{padding:22px}
.opt-addr{overflow-wrap:anywhere}
.opts-note{margin:14px 2px 0;font-size:.92rem;color:var(--muted);line-height:1.5}
.opts-note a{color:var(--navy);font-weight:700;overflow-wrap:anywhere}
@media (max-width:640px){
  .opts .opt{grid-column:1/-1;flex-direction:row;align-items:center;gap:14px}
  .opts .opt-call .opt-txt b{font-size:1.22rem}
}

/* other-state line (Nov 1 2026) */
.st-other{position:relative;max-width:980px;margin:26px auto 0;padding:16px 22px;border-radius:18px;background:rgba(255,197,58,.12);border:1px solid rgba(255,197,58,.45);color:#fff;font:500 1.06rem/1.55 var(--ff);text-align:center}
.st-other b{color:var(--sun,#FFC53A);font-weight:800}
.st-other a{color:#FFC53A;font-weight:700;text-decoration:underline;text-underline-offset:3px}