:root{--navy:#0b1f3a;--navy2:#13294f;--royal:#1d4ed8;--royal2:#2563eb;--ink:#0f172a;--mute:#475569;--line:#e2e8f0;--soft:#f6f8fc;--gold:#f4b740}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;-webkit-font-smoothing:antialiased}
a{color:var(--royal);text-decoration:none}a:hover{text-decoration:underline}
img{max-width:100%;display:block}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.7rem,4vw,2.6rem);letter-spacing:-.02em}
h2{font-size:clamp(1.4rem,3vw,2rem);letter-spacing:-.01em}
h3{font-size:1.15rem}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;background:var(--royal);color:#fff;font-weight:700;padding:14px 26px;border-radius:8px;border:0;cursor:pointer;font-size:1rem;transition:background .15s}
.btn:hover{background:var(--navy);text-decoration:none}
.btn-lg{padding:16px 32px;font-size:1.08rem}
.btn-ghost{background:transparent;border:2px solid #fff;color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:#ffce6b;color:var(--navy)}
/* header */
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 8px rgba(8,20,40,.05)}
.hdr{display:flex;align-items:center;justify-content:space-between;padding:12px 0;gap:16px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--navy);font-size:1.18rem;letter-spacing:-.02em}
.logo svg{flex:0 0 auto}
.hdr-actions{display:flex;align-items:center;gap:14px}
.hdr-tel{font-weight:800;color:var(--navy);white-space:nowrap}.hdr-tel span{color:var(--mute);font-weight:600;font-size:.78rem;display:block;line-height:1}
nav.main a{color:var(--navy);font-weight:600;margin-left:18px;font-size:.95rem}
@media(max-width:860px){nav.main{display:none}.hdr-tel span{display:none}}
/* hero */
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.28}
.hero-in{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;padding:54px 0;align-items:center}
.hero h1{color:#fff}
.hero p.lede{font-size:1.15rem;color:#dbe6fb;margin:0 0 18px;max-width:46ch}
.hero .pts{list-style:none;padding:0;margin:0 0 22px;display:flex;flex-wrap:wrap;gap:8px 18px}
.hero .pts li{color:#cfe0ff;font-weight:600;font-size:.95rem}
.hero .pts li:before{content:"\2713";color:var(--gold);font-weight:900;margin-right:7px}
.risk{font-size:.85rem;color:#aac4f5;margin-top:10px}
/* form card */
.card{background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:0 12px 40px rgba(8,20,40,.18);padding:22px;color:var(--ink)}
.card h3{margin-top:0}
.f-row{margin-bottom:11px}
.f-row label{display:block;font-size:.8rem;font-weight:700;color:var(--navy);margin-bottom:4px}
.f-row input,.f-row select,.f-row textarea{width:100%;padding:11px 12px;border:1px solid #cbd5e1;border-radius:8px;font-size:.95rem;font-family:inherit;background:#fff}
.f-row textarea{min-height:74px;resize:vertical}
.f-2{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.consent{display:flex;gap:8px;align-items:flex-start;font-size:.78rem;color:var(--mute);margin:8px 0 12px}
.consent input{margin-top:3px}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.f-note{font-size:.74rem;color:var(--mute);text-align:center;margin-top:8px}
.f-msg{display:none;padding:12px;border-radius:8px;font-weight:600;margin-bottom:10px}
.f-msg.ok{display:block;background:#e7f6ec;color:#1a7f3c;border:1px solid #b6e3c4}
.f-msg.err{display:block;background:#fdecec;color:#b42323;border:1px solid #f3c0c0}
@media(max-width:860px){.hero-in{grid-template-columns:1fr;padding:36px 0}}
/* trust strip */
.trust{background:var(--navy2);color:#fff}
.trust .wrap{display:grid;grid-template-columns:repeat(5,1fr);gap:14px;padding:18px 20px}
.trust .t b{display:block;font-size:.92rem;color:#fff}
.trust .t span{font-size:.78rem;color:#b9cdef}
.trust .t:before{content:"\2713";color:var(--gold);font-weight:900;margin-right:7px}
@media(max-width:860px){.trust .wrap{grid-template-columns:1fr 1fr}.trust .t:nth-child(5){display:none}}
/* sections */
section{padding:46px 0}
section.alt{background:var(--soft)}
.lead{font-size:1.08rem;color:var(--mute);max-width:70ch}
.grid{display:grid;gap:18px}
.g2{grid-template-columns:1fr 1fr}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:860px){.g2,.g3,.g4{grid-template-columns:1fr}}
.tile{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}
.tile h3{margin-top:0}
.spec{list-style:none;padding:0;margin:0}
.spec li{padding:8px 0 8px 28px;border-bottom:1px solid var(--line);position:relative}
.spec li:last-child{border-bottom:0}
.spec li:before{content:"\2713";position:absolute;left:0;color:var(--royal);font-weight:900}
.pill{display:inline-block;background:#eaf0fe;color:var(--royal);border-radius:999px;padding:6px 13px;font-size:.85rem;font-weight:600;margin:0 6px 8px 0}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}
.steps .step{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px;position:relative}
.steps .step:before{counter-increment:s;content:counter(s);display:flex;align-items:center;justify-content:center;width:34px;height:34px;background:var(--royal);color:#fff;border-radius:50%;font-weight:800;margin-bottom:10px}
@media(max-width:860px){.steps{grid-template-columns:1fr 1fr}}
/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;overflow:hidden}
.faq summary{cursor:pointer;padding:15px 18px;font-weight:700;color:var(--navy);list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:18px;color:var(--royal);font-weight:800;font-size:1.3rem;line-height:1}
.faq details[open] summary:after{content:"\2212"}
.faq .ans{padding:0 18px 16px;color:var(--mute)}
/* cta band */
.band{background:linear-gradient(120deg,var(--navy),var(--royal));color:#fff;text-align:center;border-radius:0}
.band h2{color:#fff}.band p{color:#dbe6fb;max-width:60ch;margin:0 auto 22px}
.band .wrap{padding:50px 20px}
/* links mesh */
.linkcols{columns:4;column-gap:24px}.linkcols a{display:block;padding:5px 0;font-size:.92rem}
@media(max-width:860px){.linkcols{columns:2}}
.chiplinks a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px 13px;margin:0 8px 8px 0;font-size:.9rem;font-weight:600;color:var(--navy)}
.chiplinks a:hover{border-color:var(--royal);color:var(--royal);text-decoration:none}
.bc{font-size:.82rem;color:var(--mute);padding:14px 0}
.bc a{color:var(--mute)}.bc b{color:var(--navy)}
/* footer */
footer.site{background:var(--navy);color:#cdd9ef;padding:40px 0 90px}
footer.site .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
footer.site h4{color:#fff;font-size:1rem;margin:0 0 12px}
footer.site a{color:#cdd9ef;font-size:.9rem;display:block;padding:3px 0}
footer.site a:hover{color:#fff}
.foot-tel{color:#fff;font-weight:800;font-size:1.2rem}
.foot-legal{border-top:1px solid #24375e;margin-top:26px;padding-top:18px;font-size:.8rem;color:#9fb2d6;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
@media(max-width:860px){footer.site .cols{grid-template-columns:1fr}}
/* sticky mobile bar */
.mbar{display:none}
@media(max-width:860px){.mbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:60;box-shadow:0 -2px 12px rgba(0,0,0,.18)}
.mbar a{padding:15px;text-align:center;font-weight:800;color:#fff}
.mbar a.call{background:var(--navy)}.mbar a.quote{background:var(--royal)}}