:root{
  --navy:#13294B; --navy-dark:#0D1E3A; --navy-light:#1E3A66;
  --accent:#F26B3A; --accent-dark:#D9542A;
  --bg:#FFFFFF; --bg-soft:#F4F7FA; --line:#E2E8F0;
  --text:#1A2433; --muted:#5A6B80; --green:#1E9E6A;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--text);line-height:1.6;background:var(--bg)}
img{max-width:100%}
a{color:var(--navy);text-decoration:none}
.container{max-width:1120px;margin:0 auto;padding:0 20px}
/* top bar */
.topbar{background:var(--navy-dark);color:#fff;font-size:14px;padding:7px 0}
.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:12px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600}
/* header */
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:16px;flex-wrap:wrap}
.logo{font-size:24px;font-weight:800;color:var(--navy);letter-spacing:-.5px}
.logo span{color:var(--accent)}
.logo img{height:74px;display:block}
nav ul{display:flex;list-style:none;gap:22px;align-items:center;flex-wrap:wrap}
nav a{font-weight:600;font-size:15px;color:var(--navy)}
nav a:hover{color:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:#fff !important;font-weight:700;padding:12px 24px;border-radius:8px;border:none;cursor:pointer;font-size:16px;transition:background .15s}
.btn:hover{background:var(--accent-dark)}
.btn-lg{padding:16px 34px;font-size:18px}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:64px 0}
.hero .container{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:start}
.hero h1{font-size:42px;line-height:1.15;font-weight:800;letter-spacing:-1px;margin-bottom:18px}
.hero p.lead{font-size:19px;color:#D7E1F0;margin-bottom:24px}
.hero .checks{list-style:none;margin-bottom:28px}
.hero .checks li{padding:6px 0;font-size:17px;font-weight:600}
.hero .checks li::before{content:"\2713  ";color:#5BE3A6;font-weight:800}
/* form card */
.form-card{background:#fff;color:var(--text);border-radius:14px;padding:28px;box-shadow:0 18px 50px rgba(0,0,0,.28)}
.form-card h3{color:var(--navy);font-size:22px;margin-bottom:4px}
.form-card p.sub{font-size:14px;color:var(--muted);margin-bottom:16px}
.form-card label{font-size:13px;font-weight:700;color:var(--navy);display:block;margin:10px 0 4px}
.form-card input,.form-card select,.form-card textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font-size:15px;font-family:inherit}
.form-card input:focus,.form-card select:focus,.form-card textarea:focus{outline:2px solid var(--accent);border-color:transparent}
.form-card .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.form-card .consent{font-size:11.5px;color:var(--muted);margin:12px 0;display:flex;gap:8px;align-items:flex-start}
.form-card .consent input{width:auto;margin-top:3px}
.form-card .btn{width:100%;margin-top:4px}
/* sections */
section{padding:64px 0}
section.soft{background:var(--bg-soft)}
.kicker{color:var(--accent);font-weight:800;text-transform:uppercase;font-size:13px;letter-spacing:1.5px;margin-bottom:8px}
h2.title{font-size:32px;color:var(--navy);font-weight:800;letter-spacing:-.5px;margin-bottom:14px}
p.section-sub{color:var(--muted);font-size:17px;max-width:720px;margin-bottom:36px}
.center{text-align:center}
.center p.section-sub{margin-left:auto;margin-right:auto}
/* trust bar */
.trustbar{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:18px 0}
.trustbar .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.trustbar .item{font-weight:700;color:var(--navy);font-size:15px}
.trustbar .item::before{content:"\2713 ";color:var(--green);font-weight:800}
/* steps */
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:28px}
.step{background:#fff;border:1px solid var(--line);border-radius:14px;padding:30px;text-align:center}
.step .num{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;font-size:22px;font-weight:800;display:flex;align-items:center;justify-content:center;margin:0 auto 16px}
.step h3{color:var(--navy);font-size:20px;margin-bottom:10px}
.step p{color:var(--muted);font-size:15px}
/* comparison table */
.compare{width:100%;border-collapse:collapse;background:#fff;border-radius:14px;overflow:hidden;box-shadow:0 6px 24px rgba(19,41,75,.08)}
.compare th,.compare td{padding:15px 18px;text-align:left;border-bottom:1px solid var(--line);font-size:15px}
.compare th{background:var(--navy);color:#fff;font-size:16px}
.compare th:nth-child(2){background:var(--accent)}
.compare td:first-child{font-weight:700;color:var(--navy)}
.compare td:nth-child(2){background:#FFF4EF;font-weight:600}
/* testimonials */
.quote{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px}
.quote .stars{color:#F5B301;font-size:18px;letter-spacing:2px;margin-bottom:10px}
.quote p{font-size:15.5px;margin-bottom:14px}
.quote .who{font-weight:700;color:var(--navy);font-size:14px}
.quote .who span{display:block;color:var(--muted);font-weight:500;font-size:13px}
/* situations */
.sit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.sit{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;transition:box-shadow .15s,transform .15s;display:block}
.sit:hover{box-shadow:0 10px 30px rgba(19,41,75,.12);transform:translateY(-2px)}
.sit .ico{font-size:30px;margin-bottom:10px}
.sit h3{color:var(--navy);font-size:18px;margin-bottom:8px}
.sit p{color:var(--muted);font-size:14.5px}
.sit .more{color:var(--accent);font-weight:700;font-size:14px;display:inline-block;margin-top:10px}
/* areas */
.areas{display:flex;flex-wrap:wrap;gap:10px}
.areas a{background:#fff;border:1px solid var(--line);padding:8px 16px;border-radius:999px;font-size:14px;font-weight:600;color:var(--navy)}
.areas a:hover{border-color:var(--accent);color:var(--accent)}
/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;text-align:center;padding:70px 0}
.cta-band h2{font-size:34px;font-weight:800;margin-bottom:12px;letter-spacing:-.5px}
.cta-band p{color:#D7E1F0;font-size:18px;margin-bottom:28px}
.cta-band .phone{margin-top:18px;font-size:15px;color:#AFC3DE}
.cta-band .phone a{color:#fff;font-weight:700}
/* content pages */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:52px 0}
.page-hero h1{font-size:36px;font-weight:800;letter-spacing:-.5px;margin-bottom:12px}
.page-hero p{color:#D7E1F0;font-size:18px;max-width:760px}
.two-col{display:grid;grid-template-columns:1.2fr .8fr;gap:48px;align-items:start}
.prose h2{color:var(--navy);font-size:24px;margin:28px 0 12px;font-weight:800}
.prose h3{color:var(--navy);font-size:19px;margin:22px 0 8px}
.prose p{margin-bottom:14px;font-size:16px}
.prose ul{margin:0 0 16px 22px}
.prose li{margin-bottom:8px;font-size:16px}
.prose .note{background:var(--bg-soft);border-left:4px solid var(--accent);padding:16px 18px;border-radius:0 10px 10px 0;margin:18px 0;font-size:15px}
/* faq */
.faq-item{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:14px;overflow:hidden}
.faq-item summary{padding:18px 22px;font-weight:700;color:var(--navy);cursor:pointer;font-size:16.5px;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq-item summary::after{content:"+";font-size:22px;color:var(--accent);font-weight:800}
.faq-item[open] summary::after{content:"\2013"}
.faq-item .body{padding:0 22px 18px;color:var(--muted);font-size:15.5px}
/* footer */
footer{background:var(--navy-dark);color:#B9C6DB;padding:52px 0 28px;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:36px;margin-bottom:36px}
footer h4{color:#fff;font-size:15px;margin-bottom:14px;text-transform:uppercase;letter-spacing:1px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:#B9C6DB}
footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);padding-top:22px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13px;color:#8FA1BC}
/* responsive */
@media(max-width:900px){
  .hero .container,.two-col{grid-template-columns:1fr}
  .grid3,.sit-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:32px}
  nav ul{gap:14px}
}