:root{--aqua:#10b6c9;--aqua-d:#0a8ea1;--sky:#34c4ef;--coral:#ff6f59;--coral-d:#ef5a44;--sun:#ffc233;--ink:#0f3b43;--mute:#5e8088;--cream:#fffdf5;--tint:#e9fbfd}
*{box-sizing:border-box}
body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--cream);line-height:1.7}
a{color:var(--aqua-d);text-decoration:none}a:hover{text-decoration:underline}
.pg-nav{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:10px;background:linear-gradient(180deg,rgba(6,40,50,.55),rgba(6,40,50,0));padding:16px 5%;position:absolute;top:0;left:0;right:0;z-index:30;transition:background .25s}
.pg-nav.scrolled{position:fixed;background:linear-gradient(90deg,#10b6c9,#34c4ef);box-shadow:0 2px 12px rgba(0,0,0,.15)}
.pg-logo{display:flex;flex-direction:column;line-height:1.05}
.pg-logo-main{color:#fff;font-size:1.25rem;font-weight:700;letter-spacing:.5px}
.pg-logo-sub{color:#073b43;font-size:.66rem;font-family:Arial,sans-serif;letter-spacing:1.5px;text-transform:uppercase;margin-top:3px;font-weight:700}
.pg-nav-right{display:flex;align-items:center;gap:16px;flex-wrap:wrap}
.pg-phone{color:#0f3b43;background:var(--sun);font-family:Arial,sans-serif;font-size:.82rem;font-weight:700;border-radius:20px;padding:7px 15px;white-space:nowrap}
.pg-phone:hover{background:#fff;text-decoration:none}
.pg-nav nav a{color:#f1ffff;margin-left:18px;font-family:Arial,sans-serif;font-size:.82rem;text-transform:uppercase;letter-spacing:.6px}
.pg-nav nav a.active,.pg-nav nav a:hover{color:#073b43;text-decoration:none}
.faa-hero{min-height:66vh;background-size:cover;background-position:center;display:flex;align-items:center}
.faa-hero-inner{width:100%;max-width:1180px;margin:0 auto;padding:0 5%}
.faa-hero-box{max-width:680px;background:rgba(6,60,72,.30);backdrop-filter:blur(1px);border-left:6px solid var(--sun);padding:30px 34px;border-radius:10px}
.faa-kicker{margin:0 0 10px;color:var(--sun);font-family:Arial,sans-serif;font-size:.78rem;text-transform:uppercase;letter-spacing:2px;font-weight:700}
.faa-hero-box h1{margin:0;color:#fff;font-size:3rem;font-weight:800;line-height:1.1;text-shadow:0 3px 18px rgba(0,0,0,.4)}
.faa-article{max-width:760px;margin:0 auto;padding:46px 22px 30px}
.faa-article h2{font-size:1.75rem;margin:1.7em 0 .5em;color:var(--aqua-d)}
.faa-article h3{font-size:1.28rem;margin:1.3em 0 .4em;color:var(--coral-d)}
.faa-article p{margin:0 0 1.1em;font-size:1.08rem}
.faa-article img{max-width:100%;height:auto;border-radius:10px;margin:1.6em 0;box-shadow:0 6px 22px rgba(0,0,0,.1)}
.faa-article ul,.faa-article ol{margin:0 0 1.2em;padding-left:1.3em}.faa-article li{margin:.3em 0}
.faa-breadcrumb{font-family:Arial,sans-serif;font-size:.8rem;color:var(--mute);margin:0 0 1.3em}
.faa-bc-sep{color:#bcd;margin:0 .3em}.faa-bc-current{color:#8aa}
.faa-byline{margin:0 0 1.2em;color:#557}
.faa-firsthand{background:#e3fbfd;border-left:5px solid var(--aqua);border-radius:8px;padding:14px 18px;font-size:1.06em;color:#0d4750;margin:0 0 1.5em}
.faa-cta{background:#fff4dd;border:2px dashed var(--sun);border-radius:12px;padding:16px 20px;margin:2em 0 1.4em;font-size:1.05rem;color:#6a4f1c}
.faa-author-bio{background:var(--tint);border:1px solid #bfe9ef;border-radius:14px;padding:18px 22px;margin-top:2em;font-size:.97rem}
.idx-hero{min-height:46vh;display:flex;align-items:center;color:#fff}
.idx-hero .faa-hero-inner h1{font-size:2.7rem;margin:0 0 8px;color:#fff;text-shadow:0 2px 14px rgba(0,0,0,.3)}
.idx-hero p{max-width:640px;color:#eafaff;font-size:1.12rem}
.art-search{margin-top:16px;width:100%;max-width:540px;padding:14px 18px;border:0;border-radius:30px;font-size:1rem;box-shadow:0 6px 22px rgba(0,0,0,.22)}
.idx-layout{display:flex;max-width:1240px;margin:0 auto;gap:28px;padding:30px 5% 60px;align-items:flex-start}
.idx-side{flex:0 0 220px;position:sticky;top:78px}
.idx-side h4{margin:0 0 10px;color:var(--aqua-d);font-size:1rem;text-transform:uppercase;letter-spacing:1px;font-family:Arial,sans-serif}
.cat-link{display:flex;justify-content:space-between;padding:8px 12px;border-radius:10px;color:#2b5b62;font-family:Arial,sans-serif;font-size:.9rem;margin-bottom:3px}
.cat-link span{color:#9bc}
.cat-link:hover{background:#defbff;text-decoration:none}
.cat-link.active{background:var(--aqua);color:#fff}.cat-link.active span{color:#dffaff}
.idx-wrap{flex:1}
.idx-count{font-family:Arial,sans-serif;color:#789;font-size:.85rem;margin:0 0 14px}
.idx-noresult{font-size:1.1rem;color:#789;padding:30px 0}
.idx-cat{font-size:1.5rem;color:var(--aqua-d);border-bottom:3px solid var(--sun);padding-bottom:6px;margin:40px 0 20px}
.idx-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(290px,1fr));gap:26px}
.card{background:#fff;border:1px solid #e3f3f5;border-radius:14px;overflow:hidden;box-shadow:0 5px 18px rgba(16,182,201,.12);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-5px);box-shadow:0 14px 30px rgba(16,182,201,.28)}
.card a{display:block;color:inherit;text-decoration:none}
.card .thumb{height:182px;background:var(--aqua) center/cover}
.card .cardbody{padding:16px 18px 20px}
.card .ckick{font-family:Arial,sans-serif;font-size:.7rem;letter-spacing:1.5px;text-transform:uppercase;color:var(--coral);font-weight:700}
.card h3{margin:.4em 0 .4em;font-size:1.18rem;color:var(--aqua-d);line-height:1.25}
.card p{margin:0;font-size:.95rem;color:#566}
.idx-catnav{margin-top:14px}
.idx-catnav a{display:inline-block;color:#fff;background:rgba(255,255,255,.18);border:1px solid rgba(255,255,255,.45);border-radius:20px;padding:4px 13px;margin:4px 6px 0 0;font-family:Arial,sans-serif;font-size:.78rem}
.idx-catnav a:hover{background:var(--sun);color:#0f3b43;text-decoration:none}
.pg-foot{background:linear-gradient(90deg,#0a8ea1,#10b6c9);color:#eafdff;text-align:center;padding:26px;font-family:Arial,sans-serif;font-size:.85rem}
.pg-foot a{color:var(--sun)}
@media(max-width:820px){.idx-layout{flex-direction:column}.idx-side{position:static;flex:auto;display:flex;flex-wrap:wrap;gap:4px}.idx-side h4{width:100%}}
@media(max-width:600px){.faa-hero-box h1{font-size:1.9rem}.idx-hero .faa-hero-inner h1{font-size:2rem}}
/* ===== non-article PAGE styles ===== */
.page-hero{min-height:60vh;background-size:cover;background-position:center;display:flex;align-items:flex-end}
.page-hero .ph-inner{width:100%;max-width:1180px;margin:0 auto;padding:0 5% 46px}
.page-hero .ph-box{max-width:760px;background:rgba(6,60,72,.30);backdrop-filter:blur(1px);border-left:6px solid var(--sun);padding:26px 34px;border-radius:10px}
.page-hero h1{margin:0;color:#fff;font-size:3.4rem;font-weight:800;line-height:1.08;text-shadow:0 3px 18px rgba(0,0,0,.4)}
.page-hero .ph-kick{color:var(--sun);font-family:Arial,sans-serif;text-transform:uppercase;letter-spacing:3px;font-size:.9rem;font-weight:800;margin:0 0 10px;text-shadow:0 2px 8px rgba(0,0,0,.4)}
.page-wrap{max-width:900px;margin:0 auto;padding:46px 22px}
.page-wrap h2{color:var(--aqua-d);font-size:1.8rem;margin:1.6em 0 .5em}
.page-wrap p{font-size:1.1rem;margin:0 0 1.1em}
.feature-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin:24px 0}
.feature{background:#fff;border:1px solid #e3f3f5;border-radius:14px;padding:22px;box-shadow:0 5px 18px rgba(16,182,201,.1)}
.feature h3{color:var(--coral-d);margin:.1em 0 .4em;font-size:1.2rem}
.feature p{font-size:.98rem;margin:0}
.page-cta-band{background:var(--sun);text-align:center;padding:30px 20px;font-size:1.2rem;color:#5a4410}
.page-cta-band a{color:#0a8ea1;font-weight:700}
/* ===== RICH FOOTER ===== */
.site-footer{background:linear-gradient(160deg,#0a8ea1,#0f3b43);color:#dff6f9;font-family:Arial,Helvetica,sans-serif}
.ft-cols{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:30px;padding:48px 5% 30px}
.ft-logo{font-family:Georgia,serif;font-size:1.3rem;color:#fff;font-weight:700}
.ft-sub{color:var(--sun);font-size:.72rem;text-transform:uppercase;letter-spacing:1.5px;margin:3px 0 12px}
.ft-col p{font-size:.9rem;line-height:1.6;color:#bfe6ec;margin:0}
.ft-col h5{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:1px;margin:0 0 12px}
.ft-col a{display:block;color:#dff6f9;font-size:.92rem;padding:4px 0}
.ft-col a:hover{color:var(--sun);text-decoration:none}
.ft-small{color:#9cc;font-size:.8rem!important;margin-top:10px!important}
.ft-bar{border-top:1px solid rgba(255,255,255,.15);text-align:center;padding:16px;font-size:.82rem;color:#bfe6ec}
.ft-bar a{color:var(--sun)}
@media(max-width:760px){.ft-cols{grid-template-columns:1fr 1fr}}
/* header dropdowns + quote button */
.pg-nav nav{display:flex;align-items:center;flex-wrap:wrap}
.has-drop{position:relative}
.has-drop>.drop{display:none;position:absolute;top:140%;left:0;background:#fff;min-width:220px;border-radius:8px;box-shadow:0 10px 26px rgba(0,0,0,.2);padding:6px 0;z-index:30}
.has-drop:hover>.drop{display:block}
.has-drop>.drop a{display:block;color:#0f3b43;padding:9px 16px;text-transform:none;letter-spacing:0;margin:0;font-size:.9rem}
.has-drop>.drop a:hover{background:#eafbfd;color:#0a8ea1}
.nav-quote{background:var(--sun)!important;color:#0f3b43!important;padding:8px 16px!important;border-radius:20px;font-weight:700;margin-left:18px!important}
.nav-quote:hover{background:#fff!important;color:#0a8ea1!important}
/* home sections */
.home-wrap{max-width:880px;margin:0 auto;padding:42px 22px}
.home-wrap p{font-size:1.1rem}
.home-wrap h2{color:var(--aqua-d);font-size:1.8rem;margin:1.7em 0 .5em}
.home-wrap ul{font-size:1.08rem}
.disclaimer-band{background:#eafbfd;border-top:1px solid #cdeef2;border-bottom:1px solid #cdeef2;font-size:.92rem;color:#39606a;padding:16px 5%;text-align:center}
.canada-note{background:#fff5f3;border:1px solid #ffd9d3;border-radius:12px;padding:18px 22px;margin:22px 0}
.guide-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:20px;margin:22px 0}
.guide-card{background:#fff;border:1px solid #e3f3f5;border-radius:12px;padding:20px;box-shadow:0 4px 14px rgba(16,182,201,.1)}
.guide-card h3{margin:.1em 0 .4em;color:var(--aqua-d);font-size:1.18rem}.guide-card a{font-weight:700}
.home-cta{background:var(--sun);text-align:center;padding:34px 20px}
.home-cta h2{margin:0 0 8px;color:#5a4410}.home-cta a{color:#0a8ea1;font-weight:700}
figure.body-img{margin:26px 0;}
figure.body-img img{width:100%;height:auto;border-radius:12px;display:block;box-shadow:0 8px 24px rgba(8,40,52,.12);}
figure.body-img figcaption{font-size:.82rem;color:var(--mute);margin-top:7px;font-style:italic;}