:root{
  --navy:#0a2540;
  --navy-2:#0e3355;
  --teal:#0f6f8f;
  --ice:#e9f5f9;
  --ice-2:#f6fbfd;
  --accent:#ff7a2f;
  --accent-dark:#e8631a;
  --ink:#16222e;
  --muted:#5b6c7d;
  --line:#d8e3ea;
  --white:#fff;
  --radius:12px;
  --shadow:0 2px 10px rgba(10,37,64,.08);
  --shadow-lg:0 8px 30px rgba(10,37,64,.12);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;
  font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);
  line-height:1.65;
  font-size:17px;
  background:var(--white);
}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.center{text-align:center}
.skip{position:absolute;left:-9999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:10px;z-index:99}

/* ---------- header ---------- */
.site-head{background:var(--navy);color:#fff}
.head-inner{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:14px;padding-bottom:14px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.brand-mark{
  width:40px;height:40px;flex:0 0 40px;border-radius:10px;
  background:var(--accent);color:#fff;display:grid;place-items:center;
  font-size:20px;font-weight:700;
}
.brand-text{display:flex;flex-direction:column;line-height:1.2}
.brand-text strong{font-size:19px;letter-spacing:.2px}
.brand-text em{font-style:normal;font-size:12px;color:#9fc4d8;letter-spacing:.3px;text-transform:uppercase}
.head-cta{display:flex;align-items:center;gap:14px}
.phone{color:#fff;font-weight:700;font-size:19px;white-space:nowrap}
.phone:hover{color:var(--accent);text-decoration:none}

.site-nav{background:var(--navy-2);border-top:1px solid rgba(255,255,255,.08)}
.site-nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:2px}
.site-nav a{
  display:block;color:#cfe2ee;padding:11px 14px;font-size:14.5px;
  text-decoration:none;border-bottom:2px solid transparent;
}
.site-nav a:hover{color:#fff;background:rgba(255,255,255,.07);border-bottom-color:var(--accent);text-decoration:none}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;background:var(--accent);color:#fff;font-weight:700;
  padding:13px 22px;border-radius:10px;border:0;cursor:pointer;
  font-size:16px;text-align:center;text-decoration:none;
  transition:background .15s ease,transform .15s ease;
  box-shadow:0 2px 0 rgba(0,0,0,.08);
}
.btn:hover{background:var(--accent-dark);text-decoration:none;transform:translateY(-1px)}
.btn-sm{padding:9px 16px;font-size:14px}
.btn-lg{padding:15px 28px;font-size:17px}
.btn-block{display:block;width:100%;margin-top:10px}
.btn-ghost{background:transparent;color:var(--teal);border:2px solid var(--teal);box-shadow:none}
.btn-ghost:hover{background:var(--ice);color:var(--teal);border-color:var(--teal)}
.hero .btn-ghost,.page-head .btn-ghost{color:#fff;border-color:rgba(255,255,255,.65)}
.hero .btn-ghost:hover,.page-head .btn-ghost:hover{background:rgba(255,255,255,.14);color:#fff}

/* ---------- hero ---------- */
.hero{
  background:linear-gradient(135deg,var(--navy) 0%,var(--teal) 130%);
  color:#fff;padding:56px 0 48px;
}
.hero h1{font-size:clamp(28px,5vw,44px);line-height:1.15;margin:0 0 14px;letter-spacing:-.5px}
.lede{font-size:18px;color:#d6e8f2;max-width:70ch;margin:0 0 22px}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-bottom:16px}
.trust{font-size:13.5px;color:#9fc4d8;letter-spacing:.3px;margin:0}

.page-head{
  background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);
  color:#fff;padding:36px 0 32px;
}
.page-head h1{font-size:clamp(24px,4vw,36px);line-height:1.2;margin:0 0 12px;letter-spacing:-.3px}
.page-head .lede{margin-bottom:18px}

/* ---------- breadcrumbs ---------- */
.crumbs{max-width:1140px;margin:0 auto;padding:14px 20px 0;font-size:13.5px;color:var(--muted)}
.crumbs a{color:var(--teal)}

/* ---------- layout ---------- */
.layout{
  display:grid;grid-template-columns:minmax(0,1fr) 320px;
  gap:44px;padding-top:40px;padding-bottom:44px;align-items:start;
}
.main-col{min-width:0}
.main-col h2{font-size:clamp(21px,3vw,27px);margin:34px 0 12px;line-height:1.25;letter-spacing:-.2px}
.main-col h2:first-child{margin-top:0}
.main-col h3{font-size:19px;margin:26px 0 10px;color:var(--navy-2)}
.main-col p{margin:0 0 16px}
.main-col ul{margin:0 0 18px;padding-left:22px}
.main-col li{margin-bottom:8px}

.ticks{list-style:none;padding-left:0}
.ticks li{padding-left:30px;position:relative}
.ticks li::before{
  content:"✓";position:absolute;left:0;top:0;color:var(--teal);font-weight:800;
}

/* ---------- sidebar ---------- */
.side{display:flex;flex-direction:column;gap:18px;position:sticky;top:18px}
.card{background:var(--ice-2);border:1px solid var(--line);border-radius:var(--radius);padding:20px;box-shadow:var(--shadow)}
.card h2{font-size:16px;margin:0 0 12px;text-transform:uppercase;letter-spacing:.6px;color:var(--navy)}
.card p{font-size:14.5px;margin:0 0 6px;color:var(--muted)}
.cta-card{background:linear-gradient(160deg,var(--navy),var(--navy-2));border:0}
.cta-card h2,.cta-card p{color:#fff}
.cta-card p{color:#b9d4e4;margin-bottom:14px}
.linklist{list-style:none;padding:0;margin:0}
.linklist li{margin:0;border-bottom:1px solid var(--line)}
.linklist li:last-child{border-bottom:0}
.linklist a{display:block;padding:9px 0;font-size:14.5px}

/* ---------- bands / grids ---------- */
.band{background:var(--ice);padding:48px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.band-alt{background:var(--ice-2)}
.band h2{font-size:clamp(22px,3vw,30px);margin:0 0 24px;text-align:center;letter-spacing:-.3px;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:16px}
.card-link{
  display:block;background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:18px 20px;box-shadow:var(--shadow);color:inherit;text-decoration:none;
  transition:box-shadow .15s ease,transform .15s ease,border-color .15s ease;
}
.card-link:hover{box-shadow:var(--shadow-lg);transform:translateY(-2px);border-color:var(--teal);text-decoration:none}
.card-link h3{margin:0 0 8px;font-size:17px;color:var(--navy)}
.card-link p{margin:0;font-size:14.5px;color:var(--muted);line-height:1.55}

.chips{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:24px}
.chip{
  background:var(--ice);border:1px solid var(--line);border-radius:999px;
  padding:7px 14px;font-size:14px;color:var(--navy);
}
.chip:hover{background:#fff;border-color:var(--teal);text-decoration:none}

/* ---------- faq ---------- */
.faq h2{font-size:clamp(21px,3vw,27px);margin:34px 0 16px;letter-spacing:-.2px}
.faq details{border:1px solid var(--line);border-radius:10px;margin-bottom:10px;background:#fff;overflow:hidden}
.faq summary{
  cursor:pointer;padding:15px 18px;font-weight:650;font-size:16px;color:var(--navy);
  list-style:none;position:relative;padding-right:44px;
}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{
  content:"+";position:absolute;right:18px;top:50%;transform:translateY(-50%);
  font-size:22px;font-weight:400;color:var(--teal);line-height:1;
}
.faq details[open] summary::after{content:"–"}
.faq .answer{padding:0 18px 16px;color:var(--ink)}
.faq .answer p{margin:0;font-size:15.5px}

/* ---------- cta band ---------- */
.cta-band{
  background:linear-gradient(135deg,var(--accent) 0%,var(--accent-dark) 100%);
  color:#fff;padding:48px 0;text-align:center;
}
.cta-band h2{font-size:clamp(22px,3.4vw,32px);margin:0 0 10px;letter-spacing:-.3px}
.cta-band p{margin:0 0 22px;color:#ffe8d9;font-size:16.5px}
.cta-band .btn{background:var(--navy);box-shadow:none}
.cta-band .btn:hover{background:#061a2c}

/* ---------- contact ---------- */
.big-phone{font-size:clamp(26px,5vw,38px);font-weight:800;letter-spacing:-.5px;margin:0 0 6px}
.big-phone a{color:var(--navy)}
.quote-form{display:grid;gap:14px;max-width:560px;margin-bottom:8px}
.quote-form label{display:block;font-size:14.5px;font-weight:650;color:var(--navy)}
.quote-form input,.quote-form select,.quote-form textarea{
  width:100%;margin-top:6px;padding:12px 14px;border:1px solid var(--line);
  border-radius:9px;font-size:16px;font-family:inherit;background:#fff;color:var(--ink);
}
.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{
  outline:2px solid var(--teal);outline-offset:1px;border-color:var(--teal);
}
.quote-form button{margin-top:6px}
.fine{font-size:13px;color:var(--muted)}
.back{margin-top:28px}

/* ---------- footer ---------- */
.site-foot{background:var(--navy);color:#c3d7e4;padding:44px 0 0;font-size:14.5px}
.foot-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px;padding-bottom:32px}
.site-foot h3{color:#fff;font-size:15px;text-transform:uppercase;letter-spacing:.6px;margin:0 0 14px}
.foot-tag{color:#9fc4d8;margin:0 0 14px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin-bottom:8px}
.site-foot a{color:#c3d7e4}
.site-foot a:hover{color:#fff}
.foot-fine{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;padding-bottom:24px}
.foot-fine p{margin:0;font-size:12.5px;color:#8fb0c6;line-height:1.6}

/* ---------- responsive ---------- */
@media (max-width:900px){
  .layout{grid-template-columns:1fr;gap:32px}
  .side{position:static}
}
@media (max-width:640px){
  body{font-size:16px}
  .head-inner{flex-wrap:wrap;gap:10px}
  .head-cta{width:100%;justify-content:space-between}
  .brand-text em{display:none}
  .site-nav ul{overflow-x:auto;flex-wrap:nowrap;-webkit-overflow-scrolling:touch}
  .site-nav a{white-space:nowrap;font-size:14px;padding:10px 12px}
  .hero{padding:38px 0 34px}
  .hero-actions .btn{width:100%}
  .grid{grid-template-columns:1fr}
  .band,.cta-band{padding:36px 0}
}