:root{--navy:#12354a;--deep:#0a2638;--orange:#ee7b3b;--cream:#f8f5ef;--ink:#172d39;--muted:#60727c;--teal:#2d7b79}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;background:#fff}.shell{width:min(1140px,calc(100% - 40px));margin:auto}.disclosure{background:#eef3f4;color:#59707b;text-align:center;font-size:11px;letter-spacing:.12em;text-transform:uppercase;padding:8px}.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{display:flex;align-items:center;gap:8px;color:var(--navy);font-size:14px;letter-spacing:.09em;text-decoration:none}.brand b{color:var(--orange)}.brand-mark{width:31px;height:31px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-size:18px}.nav-cta{color:var(--navy);text-decoration:none;font-weight:700;font-size:13px}.nav-cta span{color:var(--orange);margin-left:8px}.hero{background:linear-gradient(90deg,#f8f5ef 0%,#f8f5ef 55%,#e2e9e9 55%);overflow:hidden}.hero-grid{min-height:595px;display:grid;grid-template-columns:55% 45%}.hero-copy{padding:76px 68px 68px 0;position:relative;z-index:2}.kicker,.section-label{font-size:11px;font-weight:800;color:var(--teal);letter-spacing:.16em;margin-bottom:20px}.hero h1{font-family:Georgia,serif;font-weight:500;font-size:54px;line-height:1.08;letter-spacing:-.035em;margin:0 0 24px;color:var(--deep)}.hero h1 em{color:var(--orange);font-style:italic}.lead{font-size:18px;line-height:1.7;color:#526872;max-width:600px;margin:0 0 30px}.button{display:inline-flex;align-items:center;justify-content:center;gap:22px;background:var(--orange);color:#fff;text-transform:uppercase;letter-spacing:.06em;font-weight:800;font-size:13px;text-decoration:none;padding:18px 24px;border-radius:4px;box-shadow:0 8px 22px #c75b2526;transition:.2s}.button:hover{background:#d9662c;transform:translateY(-2px)}.micro{display:flex;gap:24px;margin-top:18px;color:#71818a;font-size:12px}.hero-visual{position:relative;background:url(/wp-content/themes/homewise-guide/assets/images/hero-home.jpg) center/cover no-repeat;min-height:595px}.hero-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgb(18 53 74 / .1),transparent 45%)}.hero-card{position:absolute;z-index:2;left:-34px;bottom:42px;background:#fff;padding:18px 22px;box-shadow:0 15px 40px #0b263440;display:flex;gap:13px;align-items:center;width:280px}.hero-card .shield{width:42px;height:42px;border-radius:50%;background:#e7f2ef;color:var(--teal);display:grid;place-items:center;font-weight:800}.hero-card b{font-family:Georgia,serif;color:var(--navy);font-size:15px}.hero-card small{display:block;color:#73828a;margin-top:5px}.section{padding:95px 0}.intro-grid{display:grid;grid-template-columns:42% 58%;gap:95px}.intro h2,.center-heading h2,.qualify h2,.before h2,.final-cta h2{font-family:Georgia,serif;font-size:42px;line-height:1.15;font-weight:500;letter-spacing:-.02em;color:var(--deep);margin:0}.intro-grid p{font-size:16px;line-height:1.8;color:#526872;margin:0 0 18px}.note{border-left:3px solid var(--orange);background:var(--cream);padding:18px 22px;color:#526872;line-height:1.6}.note b{color:var(--navy)}.coverage{background:#f1f5f5}.center-heading{text-align:center;max-width:680px;margin:0 auto 48px}.center-heading .section-label{margin-bottom:13px}.center-heading p{color:var(--muted)}.coverage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.coverage-grid article{background:#fff;border:1px solid #e2e8e9;padding:28px;min-height:215px;transition:.2s}.coverage-grid article:hover{transform:translateY(-4px);box-shadow:0 12px 30px #17364b12;border-color:#c4d6d7}.icon{display:grid;place-items:center;width:45px;height:45px;border-radius:50%;background:#e9f2f0;color:var(--teal);font-size:21px;margin-bottom:22px}.coverage h3,.steps h3{font-family:Georgia,serif;font-size:20px;color:var(--navy);margin:0 0 10px}.coverage article p,.steps article p{color:#687a83;line-height:1.65;font-size:14px;margin:0}.fine{font-size:11px;color:#7b898f;margin-top:25px}.center{text-align:center}.steps-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:38px;position:relative}.steps-grid:before{content:"";position:absolute;height:1px;background:#dfe7e8;left:7%;right:7%;top:28px}.steps article{position:relative;text-align:center}.steps article>span{position:relative;z-index:1;width:56px;height:56px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:700;font-size:13px;margin:0 auto 22px;box-shadow:0 0 0 8px #fff}.qualify{background:var(--navy);color:#fff;padding:90px 0}.qualify-grid{display:grid;grid-template-columns:1fr 440px;gap:100px;align-items:center}.section-label.light{color:#82c4be}.qualify h2{color:#fff;margin-bottom:20px}.qualify>div>div>p{color:#c4d1d5;line-height:1.75}.check-card{background:#fff;color:var(--ink);padding:34px}.check-card h3{font-family:Georgia,serif;color:var(--navy);font-size:21px;margin:0 0 20px}.check-card ul{list-style:none;padding:0;margin:0 0 24px}.check-card li{padding:10px 0 10px 28px;border-bottom:1px solid #edf0f1;position:relative;color:#526872}.check-card li:before{content:"✓";position:absolute;left:0;color:var(--teal);font-weight:700}.button.full{width:100%}.check-card small{display:block;text-align:center;color:#8b979c;margin-top:12px}.before-card{background:var(--cream);padding:55px;display:grid;grid-template-columns:1fr 1fr;gap:80px}.before-card p{color:var(--muted);line-height:1.7}.before-card ul{margin:0;padding:0;list-style:none}.before-card li{padding:16px 0;border-bottom:1px solid #dbddd9;display:flex;flex-direction:column;gap:5px}.before-card li:first-child{padding-top:0}.before-card li b{color:var(--navy)}.before-card li span{color:var(--muted);font-size:13px}.final-cta{text-align:center;padding:90px 0;background:#f1f5f5}.round-shield{display:grid;place-items:center;width:54px;height:54px;border-radius:50%;margin:0 auto 25px;background:var(--navy);color:#fff;font-size:22px}.final-cta p{max-width:650px;margin:18px auto 28px;line-height:1.7;color:var(--muted)}.centered{justify-content:center}footer{background:#092433;color:#a9bac2;padding:46px 0 30px}.footer-top{display:flex;justify-content:space-between;align-items:center;padding-bottom:30px;border-bottom:1px solid #23404f}.footer-top .brand{color:#fff}.footer-top nav{display:flex;gap:25px}.footer-top nav a{color:#b6c3c9;text-decoration:none;font-size:12px}.legal{font-size:11px;line-height:1.65;margin:28px 0;color:#8298a2}.copyright{text-align:center;border-top:1px solid #23404f;padding-top:25px;font-size:11px}.mobile-sticky{display:none}@media(max-width:800px){.shell{width:min(100% - 28px,680px)}.nav{height:64px}.nav-cta{display:none}.hero{background:var(--cream)}.hero-grid{display:flex;flex-direction:column;min-height:auto}.hero-copy{padding:50px 0 36px}.hero h1{font-size:40px}.lead{font-size:16px}.hero-visual{min-height:330px;margin:0 -14px}.hero-card{left:18px;bottom:18px;width:270px}.section{padding:65px 0}.intro-grid,.qualify-grid,.before-card{grid-template-columns:1fr;gap:35px}.intro h2,.center-heading h2,.qualify h2,.before h2,.final-cta h2{font-size:34px}.coverage-grid{grid-template-columns:1fr 1fr}.steps-grid{grid-template-columns:1fr 1fr}.steps-grid:before{display:none}.qualify{padding:65px 0}.before-card{padding:32px 24px}.footer-top{align-items:flex-start;gap:30px}.footer-top nav{display:grid;grid-template-columns:1fr 1fr;gap:12px}.mobile-sticky{display:flex;position:fixed;z-index:20;left:12px;right:12px;bottom:10px;background:var(--orange);color:#fff;text-decoration:none;text-transform:uppercase;font-weight:800;letter-spacing:.06em;justify-content:center;gap:18px;padding:16px;border-radius:5px;box-shadow:0 8px 35px #09243355}footer{padding-bottom:80px}}@media(max-width:520px){.coverage-grid{grid-template-columns:1fr}.steps-grid{grid-template-columns:1fr}.micro{flex-direction:column;gap:6px}.hero h1{font-size:36px}.footer-top{flex-direction:column}.qualify-grid{gap:32px}.check-card{padding:26px 20px}}@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.button,.coverage-grid article{transition:none}}