:root{
  --primary:#12324f;
  --brand:#0a5cd5;
  --accent:#e8891c;
  --light:#f4f7fa;
  --ink:#1b2733;
  --muted:#5a6b7b;
  --line:#dbe3ea;
  --radius:12px;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;font-size:17px;background:#fff;padding-bottom:64px}
img{max-width:100%;height:auto;display:block}
a{color:var(--brand)}
h1,h2,h3{line-height:1.2;color:var(--primary);margin:0 0 .6em}
h1{font-size:clamp(1.9rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3.5vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}

/* header */
.topbar{background:var(--primary);color:#fff;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:8px;padding-bottom:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
header.site .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;font-weight:800;color:var(--primary);text-decoration:none;font-size:1.05rem;letter-spacing:.2px;line-height:1.15}
.brand img{height:48px;width:auto}
.brand span span{color:var(--brand)}
@media(max-width:420px){.brand-text{font-size:.9rem}.brand img{height:40px}}
nav.main ul{display:flex;gap:20px;list-style:none;margin:0;padding:0;align-items:center}
nav.main a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}
nav.main a:hover{color:var(--brand)}
.menu-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font-size:1rem;cursor:pointer}
@media(max-width:820px){
  .menu-toggle{display:block}
  nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:12px 16px}
  nav.main.open{display:block}
  nav.main ul{flex-direction:column;align-items:flex-start;gap:14px}
  header.site .wrap{position:relative}
}

/* buttons */
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:999px;border:0;cursor:pointer;font-size:1rem;text-align:center}
.btn:hover{filter:brightness(.93)}
.btn.alt{background:transparent;border:2px solid #fff;color:#fff}
.btn.dark{background:var(--primary)}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:8px}

/* hero */
.hero{background:linear-gradient(135deg,var(--primary),#0a3a86);color:#fff;padding:64px 0 72px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.2rem;max-width:640px;opacity:.95}
.trust{display:flex;gap:10px 22px;flex-wrap:wrap;margin-top:24px;font-size:.95rem;opacity:.95;list-style:none;padding:0}
.trust li:before{content:"\2713\00a0";color:var(--accent);font-weight:800}

/* sections */
section{padding:56px 0}
section.alt{background:var(--light)}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.card h3 a{text-decoration:none}
.card p{color:var(--muted);margin-bottom:.8em}
.more{font-weight:700;text-decoration:none;color:var(--accent)}
ul.check{list-style:none;padding:0;margin:0 0 1em}
ul.check li{padding-left:28px;position:relative;margin-bottom:.5em}
ul.check li:before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:800}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.steps li:before{content:counter(s);display:inline-block;background:var(--accent);color:#fff;font-weight:800;width:32px;height:32px;line-height:32px;text-align:center;border-radius:50%;margin-bottom:10px}
.chips{display:flex;flex-wrap:wrap;gap:10px;padding:0;list-style:none}
.chips a{display:inline-block;padding:8px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;background:#fff;font-weight:600}
.chips a:hover{border-color:var(--accent)}
.cta{background:var(--primary);color:#fff;text-align:center;padding:56px 0}
.cta h2{color:#fff}
.breadcrumb{font-size:.9rem;color:var(--muted);padding:14px 0}
.breadcrumb a{color:var(--muted)}
details{border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px;background:#fff}
summary{cursor:pointer;font-weight:700;color:var(--primary)}
details p{margin:10px 0 0;color:var(--muted)}
.review{border-left:4px solid var(--accent);padding-left:16px}
.two{display:grid;gap:32px;grid-template-columns:1fr}
@media(min-width:860px){.two{grid-template-columns:1.2fr .8fr}}

/* form */
form.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
form.quote label{display:block;font-weight:700;margin-bottom:6px;font-size:.95rem}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:12px;border:1px solid #b9c6d2;border-radius:8px;font:inherit;margin-bottom:16px}
form.quote textarea{min-height:110px}
.hp{position:absolute;left:-9999px}

/* footer */
footer.site{background:#0b2035;color:#c9d6e2;padding:40px 0 24px;font-size:.95rem}
footer.site a{color:#fff}
footer.site .cols{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
footer.site h4{color:#fff;margin:0 0 10px}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:6px}
.legal{border-top:1px solid #23415d;margin-top:24px;padding-top:16px;font-size:.85rem}

/* mobile sticky call bar */
.callbar{position:fixed;bottom:0;left:0;right:0;background:var(--accent);z-index:30;text-align:center}
.callbar a{display:block;color:#fff;font-weight:800;text-decoration:none;padding:16px;font-size:1.05rem}
@media(min-width:821px){.callbar{display:none}body{padding-bottom:0}}