:root{
  --red:#cc362f; --red-d:#a82a25; --red-t:#fdeceb;
  --navy:#212429; --navy-d:#17191c; --navy-2:#2e303c;
  --blue:#0973ba; --blue-d:#235daa; --blue-t:#e8f2f9;
  --ink:#212121; --body:#464646; --mute:#747577;
  --white:#fff; --grey:#f7f7f7; --line:#e6e6e6;
  --f-head:'Montserrat',sans-serif; --f-body:'Hind',sans-serif;
  --pad:clamp(40px,4.5vw,80px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0 auto;max-width:1920px;background:var(--white);color:var(--body);font-family:var(--f-body);font-size:18px;line-height:1.6;font-weight:400}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--blue-d)}
a:hover{color:var(--red)}
h1,h2,h3,h4{font-family:var(--f-head);color:var(--ink);line-height:1.12;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(40px,4.6vw,84px);letter-spacing:-.02em}
h2{font-size:clamp(28px,2.8vw,48px);letter-spacing:-.01em}
h3{font-size:clamp(19px,1.5vw,24px)}
h4{font-size:17px}
p{margin:0 0 1em}
.wrap{width:min(1340px,100% - 48px);margin-inline:auto}
.sec{padding:var(--pad) 0}
.sec.tight{padding:calc(var(--pad)*.6) 0}
.bg-grey{background:var(--grey)}
.bg-navy{background:var(--navy);color:#e9eaec}
.bg-navy h2,.bg-navy h3,.bg-navy h4{color:#fff}
.bg-red{background:var(--red);color:#fff}
.bg-red h2,.bg-red h3{color:#fff}
.bg-blue{background:var(--blue-d);color:#eaf1fa}
.bg-blue h2,.bg-blue h3{color:#fff}
.bg-redt{background:var(--red-t)}
.bg-bluet{background:var(--blue-t)}
.eyebrow{font-family:var(--f-head);font-weight:700;font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--red);margin:0 0 12px}
.bg-navy .eyebrow,.bg-blue .eyebrow{color:#ff8b86}
.bg-red .eyebrow{color:#fff;opacity:.85}
.lede{font-size:clamp(18px,1.4vw,22px);line-height:1.5;max-width:60ch}

/* concept banner + header */
.concept{background:var(--navy-d);color:#cfd1d4;font-size:14px;text-align:center;padding:8px 24px;font-family:var(--f-head);font-weight:500}
.topbar{background:var(--white);padding:18px 0}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.logo img{width:240px;height:46px}
.help{font-family:var(--f-head);font-size:14px;color:#333;text-align:right}
.help a{color:var(--red);font-size:26px;font-weight:700;text-decoration:none;display:block;line-height:1.1}
.promo{background:var(--red);color:#fff;text-align:center;font-family:var(--f-head);font-weight:700;font-size:14px;padding:8px 24px}
.nav{background:var(--navy)}
.nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap}
.nav a{display:block;color:#fff;font-family:var(--f-head);font-weight:700;font-size:15px;padding:15px 20px;text-decoration:none;border-right:1px solid var(--navy-2)}
.nav a:hover{background:var(--red);color:#fff}

/* hero */
.hero{padding:clamp(28px,3.4vw,56px) 0;background:linear-gradient(90deg,var(--grey) 0,var(--grey) 100%)}
.hero .wrap{display:grid;grid-template-columns:1.25fr 1fr;gap:clamp(24px,4vw,64px);align-items:center}
.hero.dark{background:var(--navy);color:#e9eaec}
.hero.dark h1{color:#fff}
.hero.red{background:var(--red);color:#fff}
.hero.red h1{color:#fff}
.hero.blue{background:var(--blue-d);color:#eaf1fa}
.hero.blue h1{color:#fff}
.hero.dark .eyebrow,.hero.blue .eyebrow{color:#ff8b86}
.hero.red .eyebrow{color:#fff}
.hero .art{max-height:340px}
.hero .art svg,.hero .art img{max-height:340px;width:100%;object-fit:cover}
.hero .art img{border-radius:4px}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:20px}
.btn{display:inline-block;font-family:var(--f-head);font-weight:700;font-size:15px;padding:14px 26px;background:var(--red);color:#fff;text-decoration:none;border:2px solid var(--red)}
.btn:hover{background:var(--red-d);border-color:var(--red-d);color:#fff}
.btn.alt{background:transparent;color:var(--ink);border-color:var(--ink)}
.btn.alt:hover{background:var(--ink);color:#fff}
.dark .btn.alt,.blue .btn.alt,.red .btn.alt,.bg-navy .btn.alt{color:#fff;border-color:#fff}
.dark .btn.alt:hover,.blue .btn.alt:hover,.red .btn.alt:hover,.bg-navy .btn.alt:hover{background:#fff;color:var(--ink)}
.red .btn,.bg-red .btn{background:#fff;color:var(--red);border-color:#fff}
.red .btn:hover,.bg-red .btn:hover{background:var(--navy);color:#fff;border-color:var(--navy)}

/* fact strip */
.facts{background:var(--navy);color:#fff}
.facts .wrap{display:grid;grid-template-columns:repeat(5,1fr)}
.fact{padding:22px 20px;border-left:1px solid var(--navy-2)}
.fact:first-child{border-left:0}
.fact b{display:block;font-family:var(--f-head);font-size:clamp(26px,2.4vw,40px);color:#fff;line-height:1}
.fact span{font-size:15px;color:#b7bac0}

/* grids */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.g6{grid-template-columns:repeat(6,1fr)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,4vw,64px);align-items:center}
.split.wide-l{grid-template-columns:1.3fr 1fr}
.split.wide-r{grid-template-columns:1fr 1.3fr}
.card{background:#fff;border:1px solid var(--line);padding:26px}
.card.flat{border:0}
.card.top-red{border-top:5px solid var(--red)}
.card.top-blue{border-top:5px solid var(--blue)}
.card h3{margin-bottom:.4em}
.tile{background:#fff;border:1px solid var(--line);padding:14px;text-align:center;font-family:var(--f-head);font-weight:700;font-size:14px;color:var(--ink)}
.tile img{margin:0 auto 10px;width:100%;max-width:150px;aspect-ratio:1/1;object-fit:contain}
.logo-wall{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.logo-wall img{width:100%;aspect-ratio:3/2;object-fit:contain;background:#fff;border:1px solid var(--line);padding:6px}
.assure{display:grid;grid-template-columns:repeat(3,1fr)}
.assure>div{padding:34px clamp(22px,3vw,48px)}
.assure h3{color:#fff}
.assure .a1{background:var(--red)}
.assure .a2{background:var(--blue-d)}
.assure .a3{background:var(--navy)}
.assure p{color:#fff;margin:0}
.ic{width:46px;height:46px;margin-bottom:12px}

/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(5,1fr);gap:0;counter-reset:s}
.steps li{padding:22px 20px;border-top:5px solid var(--red);background:#fff;border-right:1px solid var(--line)}
.steps li:last-child{border-right:0}
.steps .n{font-family:var(--f-head);font-weight:700;font-size:44px;color:var(--red);line-height:1;display:block;margin-bottom:8px}
.steps h4{margin-bottom:6px}
.steps p{font-size:16px;margin:0}
.vsteps{list-style:none;margin:0;padding:0}
.vsteps li{display:grid;grid-template-columns:64px 1fr;gap:18px;padding:18px 0;border-bottom:1px solid var(--line)}
.vsteps .n{font-family:var(--f-head);font-weight:700;font-size:26px;width:56px;height:56px;background:var(--red);color:#fff;display:flex;align-items:center;justify-content:center}
.vsteps h3{margin-bottom:4px}
.vsteps p{margin:0}

/* tables */
.tbl{width:100%;border-collapse:collapse;font-size:16px;background:#fff}
.tbl th{background:var(--navy);color:#fff;font-family:var(--f-head);font-size:13px;letter-spacing:.06em;text-transform:uppercase;text-align:left;padding:12px 14px}
.tbl td{padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}
.tbl tr:nth-child(even) td{background:var(--grey)}
.tbl .code{font-family:var(--f-head);font-weight:700;color:var(--blue-d)}
.tbl .price{font-family:var(--f-head);font-weight:700;color:var(--ink);white-space:nowrap}
.tblwrap{overflow-x:auto}
.chips{display:flex;flex-wrap:wrap;gap:8px;list-style:none;margin:0;padding:0}
.chips li{background:#fff;border:1px solid var(--line);font-family:var(--f-head);font-size:13px;font-weight:700;padding:7px 12px;color:var(--ink)}
.bg-navy .chips li{background:var(--navy-2);border-color:var(--navy-2);color:#fff}
.checks{list-style:none;margin:0;padding:0}
.checks li{padding:9px 0 9px 0;border-bottom:1px solid var(--line)}
.checks li b{color:var(--ink)}

/* timeline */
.tl{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(7,1fr);border-top:4px solid var(--red)}
.tl li{padding:18px 14px 0 0}
.tl b{display:block;font-family:var(--f-head);font-size:28px;color:var(--red);line-height:1}
.tl span{font-size:15px;display:block;margin-top:6px}

/* quote / big claim */
.claim{font-family:var(--f-head);font-weight:700;font-size:clamp(28px,3.4vw,58px);line-height:1.1;color:#fff;margin:0;letter-spacing:-.02em;max-width:22ch}
.big{font-family:var(--f-head);font-weight:700;font-size:clamp(34px,3.4vw,60px);line-height:1;color:var(--red)}

/* faq */
details{background:#fff;border:1px solid var(--line);margin-bottom:10px}
details summary{cursor:pointer;font-family:var(--f-head);font-weight:700;color:var(--ink);padding:16px 20px;font-size:17px}
details[open] summary{color:var(--red);border-bottom:1px solid var(--line)}
details p,details ul{padding:14px 20px 4px;margin:0 0 10px}

/* footer */
.foot{background:var(--navy);color:#f9f9f9;padding:40px 0 0}
.foot .fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:32px}
.foot h4{color:#fff;font-size:15px;letter-spacing:.08em;text-transform:uppercase}
.foot a{color:#f9f9f9;text-decoration:none}
.foot a:hover{color:var(--red)}
.foot ul{list-style:none;padding:0;margin:0}
.foot li{padding:3px 0;font-size:16px}
.foot p{font-size:16px;font-weight:300;line-height:1.7}
.chip-logo{display:inline-block;background:#fff;padding:10px 14px;margin-bottom:14px}
.chip-logo img{width:134px;height:37px}
.legal{background:var(--navy-d);color:#8b8d90;text-align:center;font-size:14px;padding:14px 24px;font-family:var(--f-head)}

@media (max-width:1000px){
  .hero .wrap,.split,.split.wide-l,.split.wide-r{grid-template-columns:1fr}
  .g4,.g3{grid-template-columns:repeat(2,1fr)}
  .g6,.logo-wall{grid-template-columns:repeat(3,1fr)}
  .facts .wrap{grid-template-columns:repeat(2,1fr)}
  .fact{border-top:1px solid var(--navy-2)}
  .steps{grid-template-columns:1fr}
  .steps li{border-right:0;border-bottom:1px solid var(--line)}
  .assure{grid-template-columns:1fr}
  .tl{grid-template-columns:repeat(2,1fr)}
  .foot .fgrid{grid-template-columns:1fr 1fr}
  .help{text-align:left}
}
@media (max-width:600px){
  body{font-size:17px}
  .g2,.g3,.g4{grid-template-columns:1fr}
  .g6,.logo-wall{grid-template-columns:repeat(2,1fr)}
  .nav a{padding:12px 14px;font-size:14px}
  .foot .fgrid{grid-template-columns:1fr}
  .hero .art{display:none}
}

/* QA pass */
.legal{margin-top:36px}
.hero{padding:clamp(22px,2.2vw,38px) 0}
.hero h1{font-size:clamp(34px,3.4vw,58px);margin-bottom:.4em}
.hero .lede{font-size:clamp(17px,1.2vw,20px)}
.hero .btns{margin-top:14px}
.hero .art,.hero .art svg,.hero .art img{max-height:290px}
.hero .art img{height:290px}
.bg-red .eyebrow,.hero.red .eyebrow{color:#fff;opacity:1}
.hero.blue .eyebrow,.bg-blue .eyebrow{color:#fff}
.bg-bluet .eyebrow,.bg-redt .eyebrow{color:var(--red-d)}
/* hero photos: show whole picture (some carry baked-in lettering) */
.hero .art{display:flex;justify-content:flex-end;align-items:center}
.hero .art img{width:auto;max-width:100%;height:290px;object-fit:contain;border-radius:4px}
.hero .art img[src*="xtra-home-banner"]{width:100%;height:auto;max-height:none}
/* keep assurance band content inside the 1340px container */
.assure>div:first-child{padding-left:max(24px,calc((min(100vw,1920px) - 1340px)/2 + 24px))}
.assure>div:last-child{padding-right:max(24px,calc((min(100vw,1920px) - 1340px)/2 + 24px))}
@media(max-width:1000px){.assure>div:first-child,.assure>div:last-child{padding-inline:24px}}
/* ruled list instead of chip wall */
.chips{display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:0 28px}
.chips li{background:none;border:0;border-top:1px solid var(--line);padding:11px 0 11px 24px;position:relative;font-size:14px;line-height:1.35}
.chips li::before{content:"";position:absolute;left:0;top:calc(11px + .675em - 5px);width:10px;height:10px;background:var(--red)}
.bg-navy .chips li{background:none;border-color:var(--navy-2);color:#fff}
@media(max-width:1000px){
.nav ul{flex-wrap:nowrap;overflow-x:auto;scrollbar-width:none}
.nav ul::-webkit-scrollbar{display:none}
.nav a{white-space:nowrap}
.logo img{width:200px;height:auto}
.hero h1{font-size:clamp(30px,8vw,40px)}
}
.split>*,.hero .wrap>*,.grid>*{min-width:0}
@media(max-width:1000px){table.tbl{display:block;max-width:100%;overflow-x:auto}}

/* hero proportion standard: inner 320-380, home fills first screen above the facts strip */
.hero{min-height:clamp(320px,21vw,350px);display:flex;align-items:center;padding:clamp(32px,2.4vw,44px) 0}
.hero>.wrap{width:min(1340px,100% - 48px)}
.hero h1{font-size:clamp(36px,3.6vw,58px)}
.hero .art,.hero .art svg,.hero .art img{max-height:260px}
.hero .art img{height:260px}
body:has(> main > .hero + .facts){--hero-h:clamp(340px,calc(100svh - 218px - 130px),640px)}
body:has(> main > .hero + .facts) .hero{min-height:var(--hero-h)}
body:has(> main > .hero + .facts) .hero h1{font-size:clamp(38px,3.8vw,62px)}
body:has(> main > .hero + .facts) .hero .art,body:has(> main > .hero + .facts) .hero .art svg,body:has(> main > .hero + .facts) .hero .art img{max-height:calc(var(--hero-h) - 92px)}
body:has(> main > .hero + .facts) .hero .art img{height:calc(var(--hero-h) - 92px)}
body:has(> main > .hero + .facts) .hero .art img[src*="xtra-home-banner"]{height:auto}
.hero + .facts{height:130px;display:flex;align-items:center;overflow:hidden}
.hero + .facts>.wrap{width:min(1340px,100% - 48px)}
.hero + .facts .fact{padding:8px 20px}
.hero + .facts .fact b{font-size:clamp(26px,2.6vw,42px);line-height:1.05;white-space:nowrap}
.hero + .facts .fact span{margin-top:4px;font-size:14px}
@media(max-width:900px){.hero{min-height:0}.hero + .facts{height:auto;padding:16px 0}}