:root{
  --navy:#0b1f4d; --blue:#1570ef; --blue-dark:#0b5ad1; --sky:#eaf4fe; --sky-2:#f4f9ff;
  --ink:#1d2939; --muted:#475467; --line:#d6e4f5; --green:#16a34a; --gold:#f5b301; --white:#fff;
  --radius:16px; --shadow:0 10px 30px rgba(11,31,77,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Nunito Sans",system-ui,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px}
img{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3,.brand{font-family:"Lexend",system-ui,sans-serif;color:var(--navy);line-height:1.12;margin:0}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.eyebrow{font-family:"Lexend",sans-serif;font-weight:600;font-size:.82rem;letter-spacing:.16em;text-transform:uppercase;color:var(--blue);margin:0 0 10px}
.btn{display:inline-flex;align-items:center;gap:10px;background:var(--blue);color:#fff;text-decoration:none;font-family:"Lexend",sans-serif;font-weight:500;font-size:1.02rem;padding:15px 28px;border-radius:999px;border:0;cursor:pointer;transition:background .2s,transform .2s;box-shadow:0 8px 20px rgba(21,112,239,.28)}
.btn:hover{background:var(--blue-dark);transform:translateY(-1px)}
.btn svg{width:20px;height:20px}
.btn.light{background:#fff;color:var(--navy);box-shadow:none}
.btn.light:hover{background:var(--sky)}

/* Header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid #edf2f7}
.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 20px;max-width:1180px;margin:0 auto}
.brand{text-decoration:none;display:flex;align-items:center;gap:10px}
.logo-mark{width:42px;height:48px;flex:0 0 42px}
.brand b{display:block;font-size:1.55rem;font-weight:800;letter-spacing:-.01em;line-height:1}
.brand b span{color:var(--blue)}
.brand small{display:block;font-family:"Nunito Sans",sans-serif;font-weight:700;font-size:.72rem;color:var(--navy);margin-top:4px}
.menu{display:flex;gap:22px;list-style:none;margin:0;padding:0}
.menu a{text-decoration:none;color:var(--navy);font-weight:600;font-size:.95rem;padding:6px 0;border-bottom:2px solid transparent}
.menu a:hover,.menu a.active{color:var(--blue);border-color:var(--blue)}
.nav .btn{padding:12px 22px;font-size:.95rem}
.toggle{display:none;background:none;border:0;padding:8px;cursor:pointer}
.toggle svg{width:28px;height:28px;stroke:var(--navy)}

/* Hero */
.hero{position:relative;background:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0 0 0 30%;background:url(/images/hero-tulsa.jpg) center/cover no-repeat,linear-gradient(170deg,#9cc6f2 0%,#f7cf98 70%,#e9a86a 100%)}
.hero::before{content:"";position:absolute;inset:0;z-index:1;background:linear-gradient(90deg,#fff 0%,#fff 30%,rgba(255,255,255,.88) 42%,rgba(255,255,255,0) 62%)}
.hero .wrap{position:relative;z-index:2;padding-top:72px;padding-bottom:84px}
.hero-copy{max-width:540px}
.hero h1{font-size:clamp(2.6rem,5.6vw,4.4rem);font-weight:800;letter-spacing:-.02em}
.hero h1 span{color:var(--blue)}
.hero .tag{font-family:"Lexend",sans-serif;font-weight:600;font-size:1.3rem;color:var(--navy);margin:14px 0 14px}
.hero p.lede{color:var(--ink);margin:0 0 28px;font-size:1.08rem}

/* Feature strip */
.features{background:#fff;border-bottom:1px solid #eef2f7}
.features ul{list-style:none;margin:0 auto;padding:26px 20px;max-width:1180px;display:grid;grid-template-columns:repeat(4,1fr)}
.features li{display:flex;gap:16px;align-items:flex-start;padding:4px 22px;border-left:1px solid var(--line)}
.features li:first-child{border-left:0;padding-left:0}
.features svg{flex:0 0 46px;width:46px;height:46px}
.features h3{font-size:1rem;font-weight:600;margin:0 0 4px}
.features p{margin:0;font-size:.88rem;color:var(--muted);line-height:1.45}

/* Sections */
section{scroll-margin-top:90px}
.section{padding:84px 0}
.center{text-align:center}
.section h2{font-size:clamp(1.9rem,3.4vw,2.6rem);font-weight:700;letter-spacing:-.01em}
.sub{max-width:640px;margin:14px auto 0;color:var(--muted)}

/* Steps */
.how{background:linear-gradient(180deg,var(--sky) 0%,var(--sky-2) 100%)}
.steps{display:grid;grid-template-columns:repeat(4,1fr);margin-top:48px;list-style:none;padding:0;counter-reset:s}
.steps li{position:relative;text-align:center;padding:0 22px;border-left:1px solid var(--line)}
.steps li:first-child{border-left:0}
.steps .ico{position:relative;width:76px;height:76px;margin:0 auto 14px}
.steps .ico svg{width:76px;height:76px}
.steps .num{position:absolute;left:-30px;bottom:-4px;width:32px;height:32px;border-radius:50%;background:var(--blue);color:#fff;font-family:"Lexend";font-weight:600;font-size:.95rem;display:grid;place-items:center}
.steps h3{font-size:1.2rem;font-weight:600;margin-bottom:8px}
.steps p{margin:0;color:var(--muted);font-size:.96rem}

/* Benefits split */
.split{display:grid;grid-template-columns:1.15fr 1fr;background:var(--sky-2)}
.split-img{background:url(/images/tulsa-riverfront.jpg) center/cover no-repeat,linear-gradient(170deg,#bcd9f7,#f3d3a4);min-height:440px}
.split-copy{padding:60px 48px;align-self:center;max-width:560px}
.split-copy h2{font-size:clamp(1.9rem,3.2vw,2.5rem);font-weight:700;margin-bottom:16px}
.checks{list-style:none;padding:0;margin:20px 0 0}
.checks li{display:flex;align-items:center;gap:12px;font-size:1.08rem;margin:10px 0}
.checks svg{flex:0 0 24px;width:24px;height:24px}

/* Testimonials */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.quote{margin:0;min-width:0;overflow-wrap:anywhere;background:#fff;border:1px solid #e6edf6;border-radius:var(--radius);padding:26px 26px 22px;box-shadow:var(--shadow);display:flex;flex-direction:column;justify-content:space-between;text-align:left}
.quote blockquote{margin:0 0 18px;font-size:1rem;color:var(--ink)}
.quote footer{display:flex;justify-content:space-between;align-items:flex-end;gap:10px;font-size:.88rem}
.stars{white-space:nowrap;color:var(--gold);letter-spacing:2px;font-size:1.05rem}
.quote cite{font-style:normal;font-weight:700;color:var(--navy);text-align:right}
.quote cite span{display:block;font-weight:400;color:var(--muted)}

/* About */
.about{background:var(--sky-2)}
.about-grid{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.about-img{background:url(/images/tulsa-about.jpg) center/cover no-repeat,linear-gradient(170deg,#bcd9f7,#f3d3a4);aspect-ratio:3/2;border-radius:var(--radius);box-shadow:var(--shadow);margin-bottom:24px}
.about-card{background:#fff;border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.about-card h3{font-size:1.3rem;margin-bottom:10px}
.about-card ul{margin:12px 0 0;padding-left:20px;color:var(--muted)}
.about p{color:var(--muted)}

/* FAQ */
.faq{max-width:820px;margin:40px auto 0;text-align:left}
.faq details{background:#fff;border:1px solid #e3ebf5;border-radius:12px;margin-bottom:12px;padding:0 22px}
.faq summary{cursor:pointer;list-style:none;font-family:"Lexend";font-weight:500;color:var(--navy);padding:18px 30px 18px 0;position:relative;font-size:1.05rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:14px;font-size:1.5rem;color:var(--blue);transition:transform .2s}
.faq details[open] summary::after{transform:rotate(45deg)}
.faq details p{margin:0 0 18px;color:var(--muted)}

/* CTA */
.cta{position:relative;color:#fff;text-align:center;padding:72px 0;background:linear-gradient(rgba(11,31,77,.82),rgba(11,40,100,.86)),url(/images/hero-tulsa.jpg) center 70%/cover no-repeat,#0b1f4d}
.cta .eyebrow{color:#cfe2ff}
.cta h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.6rem);margin-bottom:12px}
.cta p{margin:0 auto 26px;max-width:640px;color:#e3edff}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.2fr;gap:48px;align-items:start;margin-top:40px;text-align:left}
.contact-info p{color:var(--muted)}
.phone-big{display:inline-flex;align-items:center;gap:10px;font-family:"Lexend";font-weight:700;font-size:1.6rem;color:var(--navy);text-decoration:none;margin:8px 0 14px}
.phone-big svg{width:26px;height:26px}
form{background:var(--sky-2);border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-weight:700;font-size:.9rem;color:var(--navy);margin-bottom:6px}
input,textarea,select{width:100%;font:inherit;font-size:1rem;padding:12px 14px;border:1px solid #c9d8ea;border-radius:10px;background:#fff;color:var(--ink);margin-bottom:16px}
input:focus,textarea:focus,select:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
textarea{min-height:110px;resize:vertical}
.hp{position:absolute;left:-9999px}
.form-status{display:none;font-weight:700;margin:12px 0 0}
.form-note{font-size:.82rem;color:var(--muted);margin:12px 0 0}

/* Footer */
.site-footer{background:#0a1a3d;color:#c6d3ea;padding:28px 0;font-size:.9rem}
.foot{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:16px}
.foot ul{list-style:none;display:flex;flex-wrap:wrap;gap:24px;margin:0;padding:0}
.foot a{color:#fff;text-decoration:none}
.foot a:hover{text-decoration:underline}
.foot .phone{display:inline-flex;align-items:center;gap:8px;font-size:1.1rem;font-weight:700}
.foot .phone svg{width:20px;height:20px}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1);font-size:.82rem}
.disclaimer{font-size:.78rem;color:#93a4c4;margin-top:12px}

/* Mobile call bar */
.callbar{display:none}

@media (max-width:1100px){
  .menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:8px 20px 16px;box-shadow:0 12px 24px rgba(0,0,0,.08)}
  .menu.open{display:flex}
  .menu a{display:block;padding:12px 0;border-bottom:1px solid #eef2f7}
  .toggle{display:block}
  .nav .btn{display:none}
}
@media (max-width:980px){
  .menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;gap:0;padding:8px 20px 16px;box-shadow:0 12px 24px rgba(0,0,0,.08)}
  .menu.open{display:flex}
  .menu a{display:block;padding:12px 0;border-bottom:1px solid #eef2f7}
  .toggle{display:block}
  .nav .btn{display:none}
  .features ul{grid-template-columns:1fr 1fr;gap:22px 0}
  .features li:nth-child(3){border-left:0;padding-left:0}
  .steps{grid-template-columns:1fr 1fr;gap:40px 0}
  .steps li:nth-child(3){border-left:0}
  .split{grid-template-columns:1fr}
  .split-img{min-height:300px}
  .quotes{grid-template-columns:1fr}
  .about-grid,.contact-grid{grid-template-columns:1fr;gap:32px}
}
@media (max-width:640px){
  body{font-size:16px;padding-bottom:64px}
  .hero-bg{inset:auto 0 0 0;height:240px}
  .hero::before{background:linear-gradient(180deg,#fff 0%,#fff 62%,rgba(255,255,255,0) 78%)}
  .hero .wrap{padding-top:40px;padding-bottom:250px}
  .features ul{grid-template-columns:1fr}
  .features li{border-left:0;padding:0}
  .steps{grid-template-columns:1fr}
  .steps li{border-left:0}
  .split-copy{padding:44px 20px}
  .row{grid-template-columns:1fr;gap:0}
  .section{padding:60px 0}
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--blue);color:#fff;justify-content:center;align-items:center;gap:10px;padding:16px;font-family:"Lexend";font-weight:600;text-decoration:none;box-shadow:0 -6px 16px rgba(0,0,0,.15)}
  .callbar svg{width:20px;height:20px}
}

/* ---- Inner pages ---- */
.page-hero{background:linear-gradient(180deg,var(--sky) 0%,var(--sky-2) 100%);border-bottom:1px solid #e6eef8}
.page-hero .wrap{padding-top:64px;padding-bottom:64px;max-width:860px}
.page-hero h1{font-size:clamp(2.1rem,4.6vw,3.3rem);font-weight:800;letter-spacing:-.02em}
.page-hero .lede{font-size:1.12rem;margin:16px 0 28px;max-width:680px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
.btn.outline{background:#fff;color:var(--navy);border:1px solid #c9d8ea;box-shadow:none}
.btn.outline:hover{background:var(--sky)}
.prose{max-width:780px;margin:0 auto;padding:64px 20px 72px}
.prose h2{font-size:clamp(1.45rem,2.6vw,1.85rem);font-weight:700;margin:40px 0 12px}
.prose h2:first-child{margin-top:0}
.prose p,.prose li{color:var(--ink)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.45em 0}
.prose li::marker{color:var(--blue);font-weight:700}
.note{font-size:.9rem;color:var(--muted)}
.tbl{width:100%;border-collapse:collapse;margin:16px 0;font-size:.98rem;background:#fff;border:1px solid #e3ebf5;border-radius:12px;overflow:hidden}
.tbl th,.tbl td{padding:12px 14px;border-bottom:1px solid #e9f0f8;text-align:left}
.tbl th{background:var(--sky-2);font-family:"Lexend",sans-serif;font-weight:600;color:var(--navy)}
.tbl td:not(:first-child),.tbl th:not(:first-child){text-align:right;font-variant-numeric:tabular-nums}
.tbl tr:last-child td{border-bottom:0}
.more-links{margin-top:28px;display:flex;flex-wrap:wrap;gap:10px}
.more-links a{display:inline-block;background:var(--sky-2);border:1px solid var(--line);border-radius:999px;padding:8px 16px;text-decoration:none;font-weight:700;font-size:.92rem;color:var(--navy)}
.more-links a:hover{border-color:var(--blue);color:var(--blue)}
.textlink{display:inline-block;margin-top:32px;font-weight:700;text-decoration:none}
.textlink:hover{text-decoration:underline}
.section.alt{background:var(--sky-2)}

/* Freedom Gauge */
.gauge-section{background:linear-gradient(rgba(11,31,77,.94),rgba(11,40,100,.94)),#0b1f4d;color:#e3edff;padding:72px 0}
.gauge-section .eyebrow{color:#cfe2ff}
.gauge-section h2{color:#fff;font-size:clamp(1.7rem,3.2vw,2.3rem);margin-bottom:12px}
.gauge-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.slider-label{display:block;margin-top:20px;font-family:"Lexend",sans-serif;font-weight:500;color:#fff}
.slider-label input{width:100%;accent-color:#5aa2f7;margin:10px 0 0;padding:0;border:0;background:none}
.dial{text-align:center}
.dial svg{width:100%;max-width:340px}
.dial-track,.dial-fill{fill:none;stroke-width:14;stroke-linecap:round}
.dial-track{stroke:rgba(255,255,255,.14)}
.dial-fill{stroke:#5aa2f7;stroke-dasharray:100;stroke-dashoffset:67;transition:stroke-dashoffset .5s ease}
.dial-num{margin:-50px 0 0;font-family:"Lexend",sans-serif;font-weight:800;font-size:2.4rem;color:#fff}
.dial-num small{display:block;font-size:.8rem;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:#cfe2ff}
.dial-sub{margin:.5em 0 0}
.dial-sub strong{color:#fff}

/* Footer additions */
.foot-areas{display:flex;flex-wrap:wrap;gap:8px 20px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1);font-size:.85rem}
.foot-areas b{color:#fff;font-weight:700}
.helpline{font-size:.8rem;color:#c6d3ea;margin:12px 0 0}
.helpline a{color:#fff}
@media (max-width:980px){.gauge-grid{grid-template-columns:1fr}}
@media (max-width:640px){.page-hero .wrap{padding-top:40px;padding-bottom:44px}.prose{padding:44px 20px 52px}.gauge-section{padding:52px 0}}