:root{--navy:#14324a;--navy2:#0e2536;--accent:#e07a1f;--accent2:#c3660f;--bg:#f6f8fa;--text:#1f2933;--muted:#5b6b78;--line:#dde3e8;--radius:10px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.6;background:#fff}
img{max-width:100%}
a{color:var(--navy)}
.container{width:100%;max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:10}
/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .container{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px;padding-top:10px;padding-bottom:10px}
.brand{font-weight:800;font-size:1rem;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.brand span{color:var(--accent)}
.nav{display:flex;flex-wrap:nowrap;overflow-x:auto;gap:16px;font-size:.9rem;width:100%;order:3;white-space:nowrap}
.nav a{text-decoration:none;color:var(--muted);padding:4px 0}
.nav a:hover,.nav a[aria-current=page]{color:var(--navy);font-weight:600}
.call-btn{background:var(--accent);color:#fff;text-decoration:none;font-weight:700;font-size:.85rem;padding:7px 11px;border-radius:999px;white-space:nowrap}
.call-btn:hover{background:var(--accent2)}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:40px 0 48px}
.hero h1{font-size:2rem;line-height:1.2;margin:0 0 12px;letter-spacing:-.02em}
.hero p.lead{font-size:1.1rem;color:#d7e3ec;margin:0 0 20px}
.hero-grid{display:grid;gap:28px}
.checks{list-style:none;padding:0;margin:0 0 20px}
.checks li{padding-left:28px;position:relative;margin:6px 0}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:800}
.hero .phone-line{font-size:1.05rem}
.hero .phone-line a{color:#fff;font-weight:700}
/* form */
.form-card{background:#fff;color:var(--text);border-radius:var(--radius);padding:22px;box-shadow:0 10px 30px rgba(0,0,0,.18)}
.form-card h2{margin:0 0 4px;font-size:1.3rem;color:var(--navy)}
.form-card p.small{margin:0 0 14px;color:var(--muted);font-size:.9rem}
label{display:block;font-weight:600;font-size:.9rem;margin:10px 0 4px}
input,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #c5ced6;border-radius:8px;background:#fff}
input:focus,textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}
textarea{min-height:90px;resize:vertical}
.hidden{position:absolute;left:-9999px}
.btn{display:inline-block;background:var(--accent);color:#fff;border:0;font:inherit;font-weight:700;padding:13px 20px;border-radius:8px;cursor:pointer;text-decoration:none;text-align:center}
.btn:hover{background:var(--accent2)}
.btn.block{width:100%;margin-top:14px}
.btn.outline{background:transparent;border:2px solid var(--navy);color:var(--navy)}
.form-note{font-size:.8rem;color:var(--muted);margin-top:10px}
/* sections */
section{padding:48px 0}
section.alt{background:var(--bg)}
h2.section-title{font-size:1.6rem;color:var(--navy);margin:0 0 8px;letter-spacing:-.01em}
p.section-sub{color:var(--muted);margin:0 0 26px}
.steps,.cards,.quotes{display:grid;gap:16px}
.step,.card,.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.step .num{display:inline-flex;align-items:center;justify-content:center;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:8px}
.step h3,.card h3{margin:0 0 6px;font-size:1.1rem;color:var(--navy)}
.step p,.card p{margin:0;color:var(--muted)}
.quote blockquote{margin:0 0 10px;font-style:italic}
.quote cite{font-style:normal;font-weight:700;color:var(--navy)}
.compare{display:grid;gap:16px}
.compare ul{padding-left:20px;margin:0}
/* faq */
details{border:1px solid var(--line);border-radius:8px;padding:14px 16px;margin-bottom:10px;background:#fff}
summary{font-weight:700;cursor:pointer;color:var(--navy)}
details p{margin:10px 0 0;color:var(--muted)}
.cta-band{background:var(--accent);color:#fff;text-align:center;padding:36px 0}
.cta-band h2{margin:0 0 8px}
.cta-band a.btn{background:#fff;color:var(--accent2)}
.prose{max-width:760px}
.prose h2{color:var(--navy);margin-top:28px}
.two-col{display:grid;gap:28px}
/* footer */
.site-footer{background:var(--navy2);color:#c8d4de;padding:36px 0 24px;font-size:.95rem}
.site-footer a{color:#fff}
.footer-grid{display:grid;gap:20px}
.nap{font-style:normal}
.nap strong{color:#fff;font-size:1.05rem}
.copyright{border-top:1px solid rgba(255,255,255,.12);margin-top:22px;padding-top:14px;font-size:.85rem;color:#9fb0bf}
@media(min-width:760px){
 .brand{font-size:1.15rem}
 .call-btn{font-size:1rem;padding:8px 14px}
 .nav{width:auto;font-size:.95rem;order:1;margin-left:auto;margin-right:16px}
 .call-btn{order:2}
 .hero{padding:64px 0}
 .hero h1{font-size:2.6rem}
 .hero-grid{grid-template-columns:1.15fr .85fr;align-items:start}
 .steps{grid-template-columns:repeat(3,1fr)}
 .cards{grid-template-columns:repeat(3,1fr)}
 .quotes{grid-template-columns:repeat(2,1fr)}
 .compare,.two-col{grid-template-columns:1fr 1fr}
 .footer-grid{grid-template-columns:2fr 1fr 1fr}
}