:root{--navy:#0f3d5e;--navy-2:#0a2c44;--orange:#e8792b;--orange-d:#c7611a;--green:#1f8a4c;--green-d:#176b3b;--ink:#1c2630;--muted:#55636f;--line:#d9e0e6;--bg-alt:#f3f6f8;--r:12px}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);font-size:17px;line-height:1.55;background:#fff;padding-bottom:76px}
img,svg{max-width:100%}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid var(--orange);outline-offset:2px}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
.narrow{max-width:720px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:100}
.skip:focus{left:8px}
h1,h2,h3{line-height:1.2;margin:0 0 .5em;color:var(--navy-2)}
h1{font-size:clamp(1.9rem,6vw,3rem);letter-spacing:-.01em}
h2{font-size:clamp(1.45rem,4.5vw,2rem)}
h3{font-size:1.1rem}
p{margin:0 0 1em}
.small{font-size:.9rem;color:var(--muted)}
/* top bar */
.topbar{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff;box-shadow:0 1px 0 rgba(0,0,0,.15)}
.topbar-inner{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:58px}
.brand{color:#fff;text-decoration:none;font-weight:800;font-size:1rem;line-height:1.15}
.brand span{display:block;font-weight:600;font-size:.82rem;opacity:.85}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:var(--r);font-weight:700;text-decoration:none;cursor:pointer;font-size:1rem;font-family:inherit;transition:background .15s}
.btn-small{padding:9px 14px;font-size:.95rem}
.btn-big{padding:15px 22px;font-size:1.08rem;min-height:54px}
.btn-block{width:100%}
.btn-call{background:var(--green);color:#fff}
.btn-call:hover{background:var(--green-d)}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:var(--orange-d)}
.btn-primary[disabled]{opacity:.7;cursor:wait}
.btn-ghost{background:#fff;color:var(--navy);border:2px solid var(--navy)}
.btn-ghost:hover{background:#eef3f7}
.btn-ghost-light{background:transparent;color:#fff;border:2px solid #fff}
.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
/* hero */
.hero{background:linear-gradient(180deg,#eaf2f8 0%,#fff 100%);padding:36px 0 30px;border-bottom:1px solid var(--line)}
.eyebrow{text-transform:uppercase;letter-spacing:.06em;font-size:.78rem;font-weight:700;color:var(--orange-d);margin-bottom:.6em}
.lead{font-size:1.12rem;color:#2c3a46;max-width:640px}
.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 10px}
.cta-row .btn{flex:1 1 240px;max-width:340px}
.cta-row.center{justify-content:center}
.phone-line{font-weight:600;margin:6px 0 16px}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:6px}
.checks li{padding-left:28px;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.3em;width:18px;height:18px;border-radius:50%;background:var(--green) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='M9.5 16.2 5.3 12l-1.4 1.4 5.6 5.6 11-11-1.4-1.4z'/%3E%3C/svg%3E") center/14px no-repeat}
/* sections */
.section{padding:44px 0}
.section.alt{background:var(--bg-alt)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:14px}
.steps li{counter-increment:s;position:relative;padding:16px 16px 16px 62px;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.steps li::before{content:counter(s);position:absolute;left:16px;top:16px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center}
.grid-list,.areas{list-style:none;padding:0;margin:0 0 1em;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px}
.grid-list li{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px 14px;font-weight:600}
.areas{grid-template-columns:repeat(auto-fill,minmax(140px,1fr))}
.areas li{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 14px;text-align:center;font-weight:600;font-size:.95rem}
/* form */
.quote-form{background:#fff;border:1px solid var(--line);border-radius:16px;padding:20px;box-shadow:0 6px 24px rgba(15,61,94,.07)}
.field{display:flex;flex-direction:column;margin-bottom:14px;min-width:0}
.field-row{display:grid;grid-template-columns:1fr;gap:0 14px}
label{font-weight:700;margin-bottom:6px;font-size:.98rem}
.opt{font-weight:400;color:var(--muted)}
input,select,textarea{font:inherit;font-size:16px;padding:12px;border:1.5px solid #b9c5cf;border-radius:10px;background:#fff;color:var(--ink);width:100%}
input[aria-invalid="true"],select[aria-invalid="true"]{border-color:#c0392b}
textarea{resize:vertical}
.hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.consent{font-size:.88rem;color:var(--muted)}
.form-status{margin:12px 0 0;font-weight:600}
.form-status.ok{color:var(--green-d)}
.form-status.err{color:#b03a2e}
.notice{background:#fff7ef;border:1.5px solid #f2c39c;border-radius:14px;padding:16px;margin-bottom:16px}
.notice .btn{width:100%}
/* faq */
.faq-item{border:1px solid var(--line);border-radius:var(--r);margin-bottom:10px;background:#fff}
.faq-item summary{cursor:pointer;padding:15px 44px 15px 16px;font-weight:700;list-style:none;position:relative;color:var(--navy-2)}
.faq-item summary::-webkit-details-marker{display:none}
.faq-item summary::after{content:"+";position:absolute;right:16px;top:50%;transform:translateY(-50%);font-size:1.4rem;color:var(--orange-d)}
.faq-item[open] summary::after{content:"\2212"}
.faq-body{padding:0 16px 6px}
.faq-body ul{padding-left:20px;margin:0 0 1em}
.sources{margin-top:22px}
.sources ul{padding-left:20px;font-size:.92rem}
.sources li{margin-bottom:4px}
/* cta band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:40px 0}
.cta-band h2{color:#fff}
/* footer */
.footer{background:#0b2233;color:#cfd9e1;padding:30px 0 20px;font-size:.92rem}
.footer a{color:#fff}
.foot-brand{font-weight:800;color:#fff;font-size:1.05rem}
.disclaimer{max-width:760px}
/* sticky call bar (mobile) */
.sticky-call{position:fixed;left:12px;right:12px;bottom:12px;z-index:30;display:flex;align-items:center;justify-content:center;gap:8px;background:var(--green);color:#fff;font-weight:800;text-decoration:none;padding:15px;border-radius:14px;box-shadow:0 6px 20px rgba(0,0,0,.25);font-size:1.08rem}
@media (min-width:640px){.field-row{grid-template-columns:1fr 1fr}.quote-form{padding:28px}}
@media (min-width:900px){body{padding-bottom:0}.sticky-call{display:none}.hero{padding:64px 0 52px}.brand{font-size:1.15rem}}