:root{
  --navy:#0e2549;
  --navy-800:#143263;
  --navy-900:#0a1b36;
  --amber:#f5a318;
  --amber-600:#d88c0b;
  --ink:#16202e;
  --body:#4a5567;
  --line:#e2e8f0;
  --bg:#ffffff;
  --soft:#f5f7fb;
  --radius:14px;
  --shadow:0 12px 30px -14px rgba(14,37,73,.35);
  --wrap:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
html,body{max-width:100%;overflow-x:hidden}
body{font-family:"Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;color:var(--body);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto;display:block;border-radius:var(--radius)}
a{color:var(--navy-800);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);line-height:1.2;font-weight:700;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.2vw,3.15rem)}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem);margin-bottom:.6rem}
h3{font-size:1.12rem}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:860px}
.skip{position:absolute;left:-9999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:999}

/* header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 1px 0 var(--line)}
.topbar{background:var(--navy-900);color:#c9d6ea;font-size:.8rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#ffd489}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;color:var(--ink);text-decoration:none}
.brand img{border-radius:8px}
.brand span{display:flex;flex-direction:column;font-size:1.25rem;font-weight:600;line-height:1.1}
.brand strong{color:var(--navy)}
.brand small{font-size:.68rem;letter-spacing:.13em;text-transform:uppercase;color:var(--amber-600);font-weight:700}
.main-nav{display:flex;align-items:center;gap:18px}
.main-nav>ul{display:flex;list-style:none;align-items:center;gap:4px}
.main-nav a,.dd-btn{font-size:.92rem;font-weight:600;color:var(--ink);padding:9px 10px;border-radius:8px;display:inline-block;background:none;border:0;cursor:pointer;font-family:inherit}
.main-nav a:hover,.dd-btn:hover{background:var(--soft);text-decoration:none;color:var(--navy)}
.has-dd{position:relative}
.dd{position:absolute;top:100%;left:0;width:max-content;min-width:270px;max-width:min(360px,calc(100vw - 40px));max-height:calc(100vh - 130px);overflow-y:auto;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;list-style:none;display:none;z-index:110}
.has-dd.open .dd{display:block}
.dd a{display:block;font-weight:500;padding:8px 10px;white-space:normal}
.dd li:last-child{border-top:1px solid var(--line);margin-top:5px;padding-top:5px}
.dd li:last-child a{font-weight:700;color:var(--navy)}
.nav-cta{display:flex;gap:8px}
.btn{display:inline-block;padding:11px 18px;border-radius:10px;font-weight:700;font-size:.92rem;border:0;cursor:pointer;text-align:center}
.btn:hover{text-decoration:none;opacity:.94}
.btn-call{background:var(--amber);color:#26170a}
.btn-quote{background:var(--navy);color:#fff}
.btn.lg{padding:14px 24px;font-size:1rem}
.burger{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.burger span{width:24px;height:2px;background:var(--ink);display:block}

/* hero */
.hero{background:linear-gradient(160deg,#0e2549 0%,#17386c 55%,#1c4versa 100%);background:linear-gradient(160deg,#0e2549 0%,#17386c 60%,#21497f 100%);color:#e8eefa;padding:56px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center}
.hero h1{color:#fff}
.hero .lede{color:#cdd9ee;font-size:1.08rem;margin:14px 0 22px}
.hero a{color:#ffd489}
.crumb{font-size:.82rem;color:#a9bcd8;margin-bottom:12px}
.crumb a{color:#a9bcd8}
.cta-row{display:flex;gap:12px;flex-wrap:wrap}
.trust{list-style:none;display:flex;gap:18px;flex-wrap:wrap;margin-top:22px;font-size:.88rem;color:#bfd0e8}
.trust li::before{content:"✔";color:var(--amber);margin-right:6px}
.hero-img img{box-shadow:var(--shadow)}

/* sections */
.section{padding:62px 0}
.section.alt{background:var(--soft)}
.lede{font-size:1.05rem;margin-bottom:26px;max-width:70ch}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.grid5{display:grid;grid-template-columns:repeat(5,1fr);gap:16px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;color:var(--body);transition:.18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);text-decoration:none;border-color:#c9d6ea}
.card h3{margin-bottom:8px}
.card p{font-size:.93rem}
.more{display:inline-block;margin-top:12px;color:var(--navy-800);font-weight:700;font-size:.88rem}
.stats div{background:#fff;border-radius:var(--radius);padding:20px;border:1px solid var(--line);text-align:center}
.stats strong{display:block;font-size:1.3rem;color:var(--navy)}
.stats span{font-size:.86rem}
.two-col{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.prose h2{margin:26px 0 8px}
.prose h2:first-child{margin-top:0}
.prose p{margin-bottom:14px}
.prose .btn{margin-right:8px;margin-top:6px}
.ticks{list-style:none;margin:0 0 18px}
.ticks li{padding-left:26px;position:relative;margin-bottom:9px}
.ticks li::before{content:"✔";position:absolute;left:0;color:var(--amber-600);font-weight:700}
.steps{margin:0 0 18px 20px}
.steps li{margin-bottom:9px}
.linklist{list-style:none}
.linklist li{margin-bottom:7px}
.linklist.two{columns:2;column-gap:28px}
.aside{background:var(--soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px;margin-top:18px}
.aside h3{margin-bottom:10px}
.callout{background:#fff7e8;border-left:4px solid var(--amber);border-radius:10px;padding:18px 20px;margin:22px 0}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px;margin-bottom:22px}
.chips li{background:var(--soft);border:1px solid var(--line);border-radius:999px;padding:7px 15px;font-size:.9rem}
.center{text-align:center}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}
.faq summary{font-weight:700;color:var(--ink);cursor:pointer}
.faq p{margin-top:10px;font-size:.95rem}

/* quotes */
.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.quote blockquote{font-size:.97rem;color:var(--ink);margin-bottom:14px}
.quote blockquote::before{content:"“";color:var(--amber);font-size:2.4rem;line-height:0;vertical-align:-10px;margin-right:4px}
.quote figcaption strong{display:block;color:var(--navy)}
.quote figcaption span{font-size:.84rem}

/* forms */
.quote-form label{display:block;font-weight:600;font-size:.88rem;color:var(--ink);margin-bottom:14px}
.quote-form input,.quote-form select,.quote-form textarea{width:100%;margin-top:6px;padding:11px 13px;border:1px solid var(--line);border-radius:10px;font:inherit;font-size:.95rem;background:#fff;color:var(--ink)}
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:2px solid var(--amber);border-color:var(--amber)}
.quote-form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.form-msg{margin-top:12px;font-weight:600;color:#1a7f47}

/* cta band + footer */
.cta-band{background:var(--amber);padding:46px 0;text-align:center}
.cta-band h2{color:#24180a}
.cta-band p{color:#4a3813;margin-bottom:18px}
.cta-band .cta-row{justify-content:center}
.cta-band .btn-call{background:#fff;color:var(--navy)}
.site-footer{background:var(--navy-900);color:#b9c8e0;padding:54px 0 24px;font-size:.92rem}
.site-footer h3,.site-footer h4{color:#fff;margin-bottom:12px}
.site-footer h4{margin-top:18px;font-size:.95rem}
.site-footer h4:first-child{margin-top:0}
.site-footer ul{list-style:none}
.site-footer li{margin-bottom:6px}
.site-footer a{color:#b9c8e0}
.site-footer a:hover{color:var(--amber)}
.site-footer img{background:#fff;padding:6px;margin-bottom:10px}
.footer-grid{display:grid;grid-template-columns:1.35fr 1.15fr .85fr 1.35fr .9fr;gap:20px}
.legal{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:.82rem;color:#8ea3c2}

@media(max-width:1024px){
  .footer-grid{grid-template-columns:repeat(3,1fr)}
  .grid5{grid-template-columns:repeat(3,1fr)}
  .grid4{grid-template-columns:repeat(2,1fr)}
  .nav-cta .btn-quote{display:none}
}
@media(max-width:900px){
  .burger{display:flex}
  .main-nav{position:fixed;top:0;right:-100%;width:min(340px,86vw);height:100vh;background:#fff;flex-direction:column;align-items:stretch;padding:80px 20px 40px;overflow-y:auto;box-shadow:var(--shadow);transition:right .25s;gap:10px}
  .main-nav.open{right:0}
  .main-nav>ul{flex-direction:column;align-items:stretch}
  .dd{position:static;display:none;box-shadow:none;border:0;padding-left:10px}
  .dd-btn{width:100%;text-align:left}
  .nav-cta{flex-direction:column}
  .nav-cta .btn-quote{display:block}
  .hero-grid,.two-col{grid-template-columns:1fr}
  .grid3{grid-template-columns:1fr 1fr}
}
@media(max-width:620px){
  .footer-grid,.grid3,.grid4,.grid5,.quote-form .row{grid-template-columns:1fr}
  .linklist.two{columns:1}
  .topbar .wrap{justify-content:center;text-align:center}
  .section{padding:44px 0}
  .btn{width:100%}
  .cta-row{flex-direction:column}
}