:root{--pine:#1f3d2b;--pine2:#2f5a3f;--sky:#e8f0ea;--gold:#e0a93b;--ink:#1c2420;--muted:#5d6b63;--line:#d9e2dc;--bg:#f6f8f6}
*{box-sizing:border-box}body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--bg);line-height:1.5}
a{color:var(--pine2)}.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
header.top{background:var(--pine);color:#fff}header.top .wrap{display:flex;align-items:center;justify-content:space-between;padding:14px 20px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:#fff;text-decoration:none}.brand svg{width:38px;height:24px}
.btn{display:inline-block;background:var(--gold);color:#1c1c1c;border:0;border-radius:10px;padding:12px 20px;font-weight:700;font-size:1rem;cursor:pointer;text-decoration:none}
.btn:hover{filter:brightness(.95)}.btn.ghost{background:transparent;color:#fff;border:1px solid #ffffff66}.btn.sm{padding:6px 12px;font-size:.85rem;border-radius:8px}
.btn.dark{background:var(--pine);color:#fff}.btn.red{background:#b23b3b;color:#fff}
.hero{background:linear-gradient(180deg,var(--pine) 0%,var(--pine2) 100%);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;padding:56px 20px 120px;position:relative;z-index:2}
.hero h1{font-size:2.5rem;line-height:1.15;margin:0 0 14px}.hero p.lead{font-size:1.15rem;opacity:.92}
.ridges{position:absolute;bottom:0;left:0;width:100%;height:140px;z-index:1}
.checks{list-style:none;padding:0;margin:22px 0}.checks li{padding-left:30px;position:relative;margin:8px 0}.checks li:before{content:"✓";position:absolute;left:0;background:var(--gold);color:#1c1c1c;width:21px;height:21px;border-radius:50%;text-align:center;font-weight:800;font-size:.8rem;line-height:21px}
.card{background:#fff;color:var(--ink);border-radius:16px;box-shadow:0 12px 40px #0003;padding:26px}
.card h2{margin:0 0 4px;font-size:1.35rem}.sub{color:var(--muted);margin:0 0 16px;font-size:.92rem}
label{display:block;font-weight:600;font-size:.88rem;margin:10px 0 4px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--pine2);border-color:transparent}
.row{display:grid;grid-template-columns:1fr 1fr;gap:12px}.radios{display:flex;gap:16px}.radios label{font-weight:500;display:flex;gap:6px;align-items:center;margin:4px 0}.radios input{width:auto}
.consent{display:flex;gap:10px;align-items:flex-start;background:var(--sky);border-radius:10px;padding:12px;margin-top:14px;font-size:.78rem;color:#33443a;font-weight:400}.consent input{width:auto;margin-top:3px}
.errors{background:#fdecec;color:#8a1f1f;border-radius:10px;padding:10px 14px;font-size:.88rem;display:none}
.success{text-align:center;padding:30px 10px;display:none}.success .big{font-size:3rem}
section.how{padding:60px 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.tile{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px}.tile .n{background:var(--pine);color:#fff;width:34px;height:34px;border-radius:50%;display:grid;place-items:center;font-weight:800;margin-bottom:10px}
.services{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:16px}.chip{background:#fff;border:1px solid var(--line);border-radius:30px;padding:8px 16px;font-weight:600}
footer{background:var(--ink);color:#c9d3cc;font-size:.85rem;padding:28px 0}footer a{color:#fff}
@media(max-width:820px){.hero .wrap{grid-template-columns:1fr;padding:32px 16px 110px}.hero h1{font-size:1.9rem}.grid3{grid-template-columns:1fr}.row{grid-template-columns:1fr}}
/* homeowner site v3: nav, trade picker, sections */
.nav{display:flex;align-items:center;gap:14px;white-space:nowrap}.nav a{color:#fff;text-decoration:none;font-weight:600;font-size:.92rem}.nav a.btn{color:#1c1c1c}
.kicker{text-transform:uppercase;letter-spacing:.08em;font-size:.78rem;font-weight:700;color:var(--gold);margin:0 0 8px}.kicker a{color:var(--gold)}
.hero .hgrid{align-items:start}.hero.sm .wrap{padding-top:40px}
.pk-h{font-weight:700;margin:22px 0 10px}
.tgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px}
.trade{display:flex;flex-direction:column;align-items:center;justify-content:center;gap:4px;text-align:center;min-height:78px;padding:10px 6px;border-radius:12px;background:#ffffff14;border:1px solid #ffffff38;color:#fff;text-decoration:none;font-weight:600;font-size:.84rem;line-height:1.2}
.trade:hover,.trade.on{background:var(--gold);color:#1c1c1c;border-color:var(--gold)}.trade .ti{font-size:1.45rem}
.sec{padding:52px 0}.sec.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}.c{text-align:center}.narrow{max-width:780px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.wi{font-size:1.6rem;display:block;margin-bottom:6px}
.services.left{justify-content:flex-start}.chip{text-decoration:none;color:var(--ink)}a.chip:hover{border-color:var(--pine2);color:var(--pine2)}
.hero .chip{background:#ffffff14;border-color:#ffffff38;color:#fff}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px}.scard{display:flex;flex-direction:column;gap:4px;background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 16px;text-decoration:none;color:var(--ink)}.scard:hover{border-color:var(--pine2)}.scard .sub{margin:0}
.faq{background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin:10px 0}.faq summary{font-weight:700;cursor:pointer}.faq p{margin:10px 0 0;color:#33443a}
.band{background:var(--pine);color:#fff;padding:44px 0}.band h2{margin:0 0 6px}.band p{opacity:.9;margin:0 0 18px}.band .btn{margin:4px}
.fgrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:24px}.fb{color:#fff;display:block;margin-bottom:8px}.flinks{list-style:none;padding:0;margin:0;columns:2;column-gap:14px}.flinks li{margin:3px 0}.flinks a{color:#c9d3cc;text-decoration:none}.flinks a:hover{color:#fff}
.legal{margin-top:22px;padding-top:16px;border-top:1px solid #ffffff22;font-size:.78rem;opacity:.85}
@media(max-width:820px){.nav{gap:10px}.nav .hide-sm{display:none}.nav a{font-size:.85rem}.grid4{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr}.sec{padding:40px 0}.hero.sm .wrap{padding-top:24px}.brand{font-size:1rem}}
@media(max-width:400px){.trade{font-size:.78rem;min-height:72px}.grid4{grid-template-columns:1fr}.nav a:not(.btn){font-size:.8rem}}
.legal-links{font-size:.8rem;color:var(--muted);margin:8px 0 0}.doc h2{font-size:1.15rem;margin:26px 0 6px}.doc ul{padding-left:20px}.doc li{margin:6px 0}
/* v4 conversion tweaks */
.opt{font-weight:400;color:var(--muted);font-size:.8rem}
details.more{margin-top:10px;border:1px dashed var(--line);border-radius:10px;padding:6px 12px}details.more summary{cursor:pointer;font-weight:600;font-size:.88rem;color:var(--pine2)}
.show-sm{display:none}
.sticky-cta{display:none}
@media(max-width:820px){.show-sm{display:block;margin:6px 0 4px}
 .sticky-cta{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:50;background:var(--gold);color:#1c1c1c;text-align:center;font-weight:800;font-size:1.05rem;padding:14px;border-radius:12px;box-shadow:0 6px 24px #0005;text-decoration:none;transition:opacity .2s,transform .2s}
 .sticky-cta.hide{opacity:0;transform:translateY(120%);pointer-events:none}
 body{padding-bottom:76px}}