:root{
  --navy:#0a3d62;
  --navy-2:#12324f;
  --sky:#4a9fd4;
  --sun:#ffb020;
  --ink:#16232e;
  --muted:#54636e;
  --line:#e3e9ee;
  --bg:#ffffff;
  --bg-alt:#f4f8fb;
  --ok:#1f8a55;
  --err:#c0392b;
  --radius:14px;
  --wrap:1120px;
  --font:'Segoe UI',system-ui,-apple-system,Roboto,Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;font-family:var(--font);color:var(--ink);
  background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased;
}
h1,h2,h3{line-height:1.15;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.2rem);letter-spacing:-.5px}
h2{font-size:clamp(1.6rem,3.5vw,2.3rem);letter-spacing:-.3px}
h3{font-size:1.2rem}
p{margin:0 0 1rem}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
img,svg{max-width:100%;height:auto;display:block}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip-link:focus{left:8px;top:8px}

/* Buttons */
.btn{
  display:inline-flex;align-items:center;gap:.5rem;justify-content:center;
  font-weight:600;padding:.8rem 1.4rem;border-radius:999px;border:2px solid transparent;
  cursor:pointer;transition:.15s ease;text-decoration:none;font-size:1rem;
}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--sun);color:#3a2600;border-color:var(--sun)}
.btn-primary:hover{background:#ffbf42}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-block{width:100%}
.btn-phone{background:#fff;color:var(--navy);border-color:var(--line);padding:.55rem 1rem;font-size:.95rem}
.btn-phone:hover{border-color:var(--navy)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(6px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:1.5rem;height:66px}
.brand{display:flex;align-items:center;gap:.5rem;font-weight:800;font-size:1.25rem;color:var(--navy)}
.brand:hover{text-decoration:none}
.brand-mark{color:var(--sun);display:flex}
.brand-fl{color:var(--sky)}
.site-nav{display:flex;gap:1.25rem;margin-left:auto;font-weight:500;font-size:.98rem}
.site-nav a{color:var(--muted)}
.site-nav a:hover{color:var(--navy);text-decoration:none}
.btn-phone{margin-left:1rem}

/* Hero */
.hero{background:linear-gradient(180deg,#eaf5fd 0%,#ffffff 100%);padding:3.5rem 0 3rem}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:2.5rem;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:1.5px;font-size:.78rem;font-weight:700;color:var(--sky);margin:0 0 .8rem}
.hero-copy h1 strong{color:var(--sun)}
.lede{font-size:1.2rem;color:var(--muted);max-width:34ch}
.hero-cta{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.5rem 0}
.hero-badges{list-style:none;display:flex;flex-wrap:wrap;gap:.6rem;padding:0;margin:1rem 0 0}
.hero-badges li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.35rem .9rem;font-size:.85rem;font-weight:600;color:var(--navy)}
.hero-art svg{border-radius:var(--radius);box-shadow:0 20px 45px -20px rgba(10,61,98,.5)}

/* Trust strip */
.trust{background:var(--navy);color:#fff}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem;padding:1.5rem 20px;text-align:center}
.trust-grid div{display:flex;flex-direction:column}
.trust-grid strong{font-size:1.4rem;color:var(--sun)}
.trust-grid span{font-size:.85rem;opacity:.85}

/* Sections */
.section{padding:3.5rem 0}
.section-alt{background:var(--bg-alt)}
.section-lede{color:var(--muted);font-size:1.1rem;max-width:60ch;margin-bottom:2rem}

/* Steps */
.steps{list-style:none;counter-reset:s;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;position:relative}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:38px;height:38px;border-radius:50%;background:var(--sun);color:#3a2600;font-weight:800;margin-bottom:.8rem}
.steps h3{margin-bottom:.4rem}
.steps p{margin:0;color:var(--muted)}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:1.2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem}
.card h3{margin-bottom:.5rem}
.card p{margin:0;color:var(--muted);font-size:.96rem}
.card.highlight{border-color:var(--sun);box-shadow:0 8px 24px -12px rgba(255,176,32,.6)}

/* Calculator */
.calc{display:grid;grid-template-columns:1.2fr .8fr;gap:1.5rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:0 12px 30px -20px rgba(10,61,98,.4)}
.calc-form{display:grid;grid-template-columns:1fr 1fr;gap:1rem;margin:0}
.calc-result{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.6rem;display:flex;flex-direction:column;justify-content:center}
.calc-label{text-transform:uppercase;letter-spacing:1px;font-size:.75rem;opacity:.8;margin:0}
.calc-amount{font-size:2rem;font-weight:800;color:var(--sun);margin:.2rem 0 .6rem}
.calc-note{font-size:.8rem;opacity:.85;margin-bottom:1rem}
.calc-result .btn{margin-top:auto}

/* Fields */
.field{display:flex;flex-direction:column;gap:.35rem;margin-bottom:0}
.field label{font-weight:600;font-size:.92rem;color:var(--ink)}
.field input,.field select,.field textarea{
  font:inherit;padding:.7rem .8rem;border:1px solid var(--line);border-radius:10px;background:#fff;color:var(--ink);width:100%;
}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--sky);outline-offset:1px;border-color:var(--sky)}
.req{color:var(--err)}

/* Area list */
.area-list{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:.6rem}
.area-list li{background:#fff;border:1px solid var(--line);border-radius:8px;padding:.6rem .8rem;font-weight:600;color:var(--navy);font-size:.92rem;text-align:center}

/* FAQ */
.faq{max-width:780px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:.7rem;padding:0 1.1rem}
.faq summary{cursor:pointer;font-weight:600;color:var(--navy);padding:1rem 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:.9rem;font-size:1.3rem;color:var(--sky)}
.faq details[open] summary::after{content:"\2013"}
.faq details p{margin:0 0 1rem;color:var(--muted)}

/* Quote */
.section-quote{background:linear-gradient(180deg,#f4f8fb,#eaf5fd)}
.quote-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:2.5rem;align-items:start}
.quote-contact{list-style:none;padding:0;margin:1.5rem 0 0}
.quote-contact li{display:flex;flex-direction:column;padding:.6rem 0;border-top:1px solid var(--line)}
.quote-contact strong{font-size:.78rem;text-transform:uppercase;letter-spacing:1px;color:var(--sky)}
.quote-contact a{font-size:1.2rem;font-weight:700}
.quote-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.8rem;box-shadow:0 12px 30px -20px rgba(10,61,98,.4)}
.quote-form .field{margin-bottom:1rem}
.row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.consent{background:var(--bg-alt);border:1px solid var(--line);border-radius:10px;padding:.9rem;margin:.5rem 0 1rem}
.check{display:flex;gap:.6rem;align-items:flex-start;font-size:.82rem;color:var(--muted);cursor:pointer}
.check input{margin-top:.2rem;width:18px;height:18px;flex:0 0 auto}
.form-disclaimer{font-size:.78rem;color:var(--muted);margin:.3rem 0 1rem}
.form-status{margin:.8rem 0 0;font-weight:600;font-size:.95rem;min-height:1.2em}
.form-status.ok{color:var(--ok)}
.form-status.err{color:var(--err)}

/* Footer */
.site-footer{background:var(--navy-2);color:#cfe0ec;padding:2.5rem 0 1.5rem;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:2rem}
.site-footer a{color:#cfe0ec}
.footer-brand{font-size:1.2rem;font-weight:800;color:#fff;margin-bottom:.4rem}
.footer-head{font-weight:700;color:#fff;margin-bottom:.5rem}
.footer-legal{border-top:1px solid rgba(255,255,255,.15);margin-top:1.5rem;padding-top:1rem;font-size:.82rem;opacity:.8}

/* Responsive */
@media (max-width:900px){
  .hero-grid,.calc,.quote-grid{grid-template-columns:1fr}
  .hero-art{order:-1;max-width:420px;margin:0 auto}
  .steps,.cards{grid-template-columns:1fr 1fr}
  .area-list{grid-template-columns:repeat(3,1fr)}
  .site-nav{display:none}
}
@media (max-width:560px){
  .trust-grid{grid-template-columns:1fr 1fr}
  .steps,.cards,.row,.calc-form,.area-list{grid-template-columns:1fr}
  .header-inner{gap:.5rem}
  .btn-phone span{display:none}
  .btn-phone{margin-left:auto}
}