:root {
  --navy: #071b33;
  --blue: #0b4da2;
  --blue-2: #176fc1;
  --sky: #eaf4ff;
  --red: #c62f2f;
  --gold: #e8b44f;
  --ink: #172536;
  --muted: #5d6d7e;
  --line: #d9e2ec;
  --paper: #ffffff;
  --mist: #f5f8fb;
  --success: #176b45;
  --radius: 18px;
  --shadow: 0 20px 55px rgba(7, 27, 51, .12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
}
img { display: block; max-width: 100%; }
a { color: var(--blue); }
button, input, select, textarea { font: inherit; }
:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.skip-link { position: absolute; left: -9999px; z-index: 999; }
.skip-link:focus { left: 1rem; top: 1rem; background: #fff; padding: .75rem 1rem; }
.container { width: min(1160px, calc(100% - 2.25rem)); margin-inline: auto; }
.narrow { width: min(790px, calc(100% - 2.25rem)); margin-inline: auto; }
.eyebrow { color: var(--red); font-weight: 800; letter-spacing: .1em; text-transform: uppercase; font-size: .78rem; }
h1, h2, h3 { color: var(--navy); line-height: 1.12; margin: 0 0 1rem; }
h1 { font-size: clamp(2.45rem, 6vw, 4.85rem); letter-spacing: -.05em; }
h2 { font-size: clamp(1.9rem, 3.6vw, 3rem); letter-spacing: -.035em; }
h3 { font-size: 1.25rem; }
p { margin: 0 0 1rem; }
.lead { font-size: clamp(1.08rem, 2vw, 1.28rem); color: #415267; }
.muted { color: var(--muted); }
.section { padding: clamp(4rem, 7vw, 7rem) 0; }
.section-sm { padding: 3rem 0; }
.section-tint { background: var(--mist); }
.section-dark { color: #e8f1fa; background: var(--navy); }
.section-dark h2, .section-dark h3 { color: #fff; }
.center { text-align: center; }
.stack > * + * { margin-top: 1rem; }
.grid-2, .grid-3, .grid-4 { display: grid; gap: 1.3rem; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }

.topbar { background: var(--navy); color: #e9f3ff; font-size: .9rem; }
.topbar .container { display: flex; justify-content: space-between; gap: 1rem; padding: .58rem 0; }
.topbar a { color: #fff; font-weight: 700; text-decoration: none; }
.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(217,226,236,.9); backdrop-filter: blur(12px); }
.nav-wrap { min-height: 76px; display: flex; align-items: center; justify-content: space-between; gap: 1.5rem; }
.brand { text-decoration: none; display: inline-flex; flex-direction: column; color: var(--navy); line-height: 1; }
.brand strong { font-size: 1.25rem; letter-spacing: -.025em; }
.brand span { margin-top: .36rem; font-size: .66rem; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.nav-links { display: flex; align-items: center; gap: 1.3rem; }
.nav-links a { color: var(--ink); text-decoration: none; font-size: .92rem; font-weight: 700; }
.nav-links a:hover, .nav-links a[aria-current="page"] { color: var(--blue); }
.menu-button { display: none; border: 1px solid var(--line); background: #fff; border-radius: 10px; padding: .55rem .7rem; color: var(--navy); font-weight: 800; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 48px; padding: .78rem 1.18rem; border: 2px solid transparent; border-radius: 999px; text-decoration: none; font-weight: 800; line-height: 1.1; cursor: pointer; transition: transform .18s ease, box-shadow .18s ease, background .18s ease; }
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--red); color: #fff; box-shadow: 0 10px 24px rgba(198,47,47,.25); }
.button-primary:hover { background: #a92121; }
.button-secondary { background: #fff; color: var(--navy); border-color: var(--line); }
.button-blue { background: var(--blue); color: #fff; }
.button-small { min-height: 41px; padding: .62rem 1rem; font-size: .88rem; }
.button-row { display: flex; flex-wrap: wrap; gap: .75rem; margin-top: 1.5rem; }

.hero { position: relative; overflow: hidden; background: linear-gradient(135deg, #f6faff 0%, #fff 54%, #fff6ec 100%); }
.hero::before { content: ""; position: absolute; width: 480px; height: 480px; border-radius: 50%; right: -180px; top: -190px; background: rgba(23,111,193,.09); }
.hero-grid { min-height: 650px; display: grid; grid-template-columns: 1.08fr .92fr; gap: clamp(2rem, 6vw, 5rem); align-items: center; padding: 4.8rem 0; }
.hero-copy { position: relative; z-index: 1; }
.hero-copy .lead { max-width: 660px; }
.hero-points { display: flex; flex-wrap: wrap; gap: .6rem 1.1rem; margin-top: 1.5rem; color: #415267; font-size: .94rem; font-weight: 700; }
.hero-points span::before { content: "✓"; color: var(--success); margin-right: .38rem; }
.hero-visual { position: relative; min-height: 500px; }
.hero-visual img { width: 100%; height: 500px; object-fit: cover; border-radius: 28px 28px 110px 28px; box-shadow: var(--shadow); }
.hero-card { position: absolute; left: -1.5rem; bottom: 2rem; max-width: 280px; padding: 1.2rem; border-radius: 16px; background: rgba(255,255,255,.95); box-shadow: var(--shadow); }
.hero-card strong { display: block; color: var(--navy); }
.hero-card span { font-size: .9rem; color: var(--muted); }

.trust-strip { border-block: 1px solid var(--line); background: #fff; }
.trust-grid { display: grid; grid-template-columns: repeat(4, 1fr); }
.trust-item { padding: 1.3rem; border-right: 1px solid var(--line); }
.trust-item:last-child { border-right: 0; }
.trust-item strong { display: block; color: var(--navy); }
.trust-item span { color: var(--muted); font-size: .9rem; }

.card { height: 100%; padding: 1.45rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 10px 35px rgba(7,27,51,.055); }
.card .icon { display: grid; place-items: center; width: 42px; height: 42px; margin-bottom: 1rem; border-radius: 12px; background: var(--sky); color: var(--blue); font-weight: 900; }
.card p:last-child { margin-bottom: 0; }
.text-link { display: inline-flex; margin-top: .55rem; font-weight: 800; text-decoration: none; }
.text-link::after { content: "→"; margin-left: .35rem; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: clamp(2.5rem, 6vw, 5rem); align-items: center; }
.split-image { width: 100%; min-height: 460px; object-fit: cover; border-radius: 28px; box-shadow: var(--shadow); }
.check-list { list-style: none; padding: 0; margin: 1.5rem 0 0; }
.check-list li { position: relative; padding-left: 1.75rem; margin: .78rem 0; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--success); font-weight: 900; }

.steps { counter-reset: step; }
.step { position: relative; padding: 1.5rem 1.2rem 1.3rem 4rem; border-top: 1px solid var(--line); }
.step::before { counter-increment: step; content: counter(step); position: absolute; left: .5rem; top: 1.25rem; display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 900; }

.quote-shell { display: grid; grid-template-columns: .78fr 1.22fr; gap: 2.5rem; padding: clamp(1.4rem, 4vw, 3rem); border-radius: 26px; background: #fff; box-shadow: var(--shadow); border: 1px solid var(--line); }
.quote-side { padding: .5rem; }
.quote-side .response { margin: 1.25rem 0; padding: 1rem; border-left: 4px solid var(--gold); background: #fff8e9; border-radius: 0 12px 12px 0; }
.quote-side address { font-style: normal; color: var(--muted); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0,1fr)); gap: 1rem; }
.field-full { grid-column: 1 / -1; }
label { display: block; margin-bottom: .36rem; color: var(--navy); font-size: .88rem; font-weight: 800; }
input, select, textarea { width: 100%; border: 1px solid #b9c7d5; border-radius: 10px; padding: .78rem .85rem; color: var(--ink); background: #fff; }
textarea { min-height: 105px; resize: vertical; }
.choice-row { display: flex; flex-wrap: wrap; gap: .75rem; }
.choice { display: inline-flex; align-items: center; gap: .45rem; margin: 0; padding: .7rem .8rem; border: 1px solid var(--line); border-radius: 10px; font-weight: 650; }
.choice input { width: auto; }
.consent { display: grid; grid-template-columns: auto 1fr; gap: .65rem; align-items: start; color: #435367; font-size: .8rem; }
.consent input { width: auto; margin-top: .2rem; }
.optional-consent { padding: .8rem; border-radius: 10px; background: var(--mist); }
.form-note { color: var(--muted); font-size: .8rem; }
.form-status { display: none; padding: 1rem; border-radius: 10px; }
.form-status.success { color: #0d5033; background: #e6f6ed; border: 1px solid #a8ddbf; }
.form-status.error { color: #8d1d1d; background: #fff0f0; border: 1px solid #efb5b5; }

.page-hero { padding: 5.5rem 0 4rem; background: linear-gradient(135deg, #eef6ff, #fff 65%); }
.page-hero p { max-width: 760px; }
.content h2 { margin-top: 2.4rem; font-size: 1.65rem; }
.content h3 { margin-top: 1.8rem; }
.content ul { padding-left: 1.25rem; }
.callout { padding: 1.3rem; border-left: 4px solid var(--blue); border-radius: 0 14px 14px 0; background: var(--sky); }
.area-card { position: relative; min-height: 370px; overflow: hidden; border-radius: 22px; color: #fff; }
.area-card img { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.area-card::after { content: ""; position: absolute; inset: 0; background: linear-gradient(to top, rgba(7,27,51,.92), rgba(7,27,51,.08)); }
.area-copy { position: absolute; z-index: 2; left: 1.5rem; right: 1.5rem; bottom: 1.2rem; }
.area-copy h3 { color: #fff; }
.area-copy a { color: #fff; font-weight: 800; }
details { border-top: 1px solid var(--line); }
details:last-child { border-bottom: 1px solid var(--line); }
summary { cursor: pointer; padding: 1.15rem .2rem; color: var(--navy); font-weight: 800; }
details p { padding: 0 .2rem 1.1rem; color: var(--muted); }

.cta-band { padding: 3.2rem 0; background: var(--blue); color: #fff; }
.cta-band .container { display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.cta-band h2 { color: #fff; margin-bottom: .45rem; }
.cta-band p { margin: 0; color: #dcecff; }
.site-footer { background: #061527; color: #bdcadd; padding: 4rem 0 1.4rem; }
.footer-grid { display: grid; grid-template-columns: 1.35fr .8fr .8fr 1fr; gap: 2rem; }
.site-footer h2, .site-footer h3 { color: #fff; }
.site-footer h3 { font-size: 1rem; }
.site-footer a { color: #dce9f5; text-decoration: none; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin: .42rem 0; }
.footer-legal { margin-top: 2.6rem; padding-top: 1.25rem; border-top: 1px solid #263a50; font-size: .78rem; color: #96a9bb; }
.sticky-cta { display: none; }

@media (max-width: 900px) {
  .grid-4 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .grid-3 { grid-template-columns: repeat(2, minmax(0,1fr)); }
  .hero-grid, .split, .quote-shell { grid-template-columns: 1fr; }
  .hero-grid { padding: 3.5rem 0 4rem; }
  .hero-visual { min-height: auto; }
  .hero-visual img { height: 430px; }
  .hero-card { left: .8rem; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .nav-links { display: none; position: absolute; left: 0; right: 0; top: 76px; padding: 1rem 1.2rem 1.4rem; flex-direction: column; align-items: stretch; background: #fff; border-bottom: 1px solid var(--line); box-shadow: var(--shadow); }
  .nav-links.open { display: flex; }
  .menu-button { display: inline-flex; }
}

@media (max-width: 640px) {
  body { padding-bottom: 68px; }
  .topbar .container { justify-content: center; text-align: center; }
  .topbar .top-phone { display: none; }
  .grid-2, .grid-3, .grid-4, .form-grid, .trust-grid, .footer-grid { grid-template-columns: 1fr; }
  .trust-item { border-right: 0; border-bottom: 1px solid var(--line); }
  .hero-grid { min-height: auto; }
  .hero-visual img { height: 360px; }
  .hero-card { position: relative; left: auto; bottom: auto; margin: -2rem 1rem 0; }
  .button-row .button { width: 100%; }
  .cta-band .container { align-items: stretch; flex-direction: column; }
  .sticky-cta { display: block; position: fixed; left: 0; right: 0; bottom: 0; z-index: 80; padding: .65rem 1rem; background: rgba(255,255,255,.97); border-top: 1px solid var(--line); }
  .sticky-cta .button { width: 100%; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition: none !important; }
}