:root{
  --navy:#0f2a43;
  --navy-dark:#0a1e31;
  --blue:#1a6fb5;
  --blue-dark:#155a94;
  --ink:#1b2430;
  --body:#41505f;
  --line:#dfe6ee;
  --bg:#ffffff;
  --bg-alt:#f5f8fb;
  --radius:10px;
  --max:1100px;
}

*{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(--body);
  background:var(--bg);
  line-height:1.65;
  font-size:17px;
}
h1,h2,h3{color:var(--ink);line-height:1.25;margin:0 0 .5em}
h1{font-size:2.4rem;letter-spacing:-.02em}
h2{font-size:1.75rem;margin-bottom:.75em}
h3{font-size:1.1rem}
p{margin:0 0 1em}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;height:auto}

.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.wrap.narrow{max-width:720px}

/* ---------- header ---------- */
.site-header{
  background:var(--navy);
  position:sticky;top:0;z-index:50;
}
.header-inner{
  display:flex;align-items:center;justify-content:space-between;
  gap:18px;min-height:66px;flex-wrap:wrap;
}
.logo{
  color:#fff;font-weight:700;font-size:1.12rem;letter-spacing:-.01em;
}
.logo:hover{text-decoration:none}
.nav{display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.nav a{color:#cfe0f0;font-size:.94rem}
.nav a:hover{color:#fff;text-decoration:none}

/* ---------- buttons ---------- */
.btn{
  display:inline-block;background:var(--blue);color:#fff;
  padding:11px 20px;border-radius:var(--radius);font-weight:600;
  font-size:.97rem;border:2px solid var(--blue);cursor:pointer;
  transition:background .15s ease,border-color .15s ease;
  text-align:center;
}
.btn:hover{background:var(--blue-dark);border-color:var(--blue-dark);text-decoration:none;color:#fff}
.btn-sm{padding:8px 15px;font-size:.9rem}
.btn-lg{padding:15px 30px;font-size:1.05rem}
.btn-full{width:100%;font-size:1.1rem}
.btn-ghost{background:transparent;border-color:#7fb2dd;color:#fff}
.btn-ghost:hover{background:rgba(255,255,255,.12);border-color:#fff}

/* ---------- hero ---------- */
.hero{
  background:linear-gradient(160deg,var(--navy) 0%,var(--navy-dark) 100%);
  color:#e6eef6;padding:72px 0 66px;
}
.hero h1{color:#fff;max-width:19ch}
.lede{font-size:1.14rem;max-width:62ch;color:#c9dbea}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 26px}
.hero-points{
  list-style:none;padding:0;margin:0;display:flex;gap:26px;flex-wrap:wrap;
  font-size:.95rem;color:#a9c6de;
}
.hero-points li{position:relative;padding-left:22px}
.hero-points li:before{
  content:"";position:absolute;left:0;top:.55em;
  width:11px;height:6px;border-left:2px solid #6fd39a;border-bottom:2px solid #6fd39a;
  transform:rotate(-45deg);
}

/* ---------- sections ---------- */
.section{padding:66px 0}
.section-alt{background:var(--bg-alt);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-lede{max-width:64ch;margin-bottom:2em}

/* ---------- steps ---------- */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:26px}
.step-num{
  display:inline-flex;align-items:center;justify-content:center;
  width:34px;height:34px;border-radius:50%;
  background:var(--blue);color:#fff;font-weight:700;font-size:.95rem;
  margin-bottom:12px;
}
.step h3{margin-bottom:.35em}
.step p{font-size:.96rem;margin:0}

/* ---------- cards ---------- */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(268px,1fr));gap:20px}
.card{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);
  padding:22px 22px 18px;
}
.card h3{margin-bottom:.4em;color:var(--navy)}
.card p{font-size:.95rem;margin:0}

.notice{
  margin-top:28px;padding:16px 20px;
  background:#fff8e8;border:1px solid #f0dca8;border-left:4px solid #d9a520;
  border-radius:6px;font-size:.95rem;
}

/* ---------- form ---------- */
.quote-form{
  background:#fff;border:1px solid var(--line);border-radius:12px;
  padding:28px 26px;
}
.field{margin-bottom:18px}
.field label{display:block;font-weight:600;color:var(--ink);font-size:.95rem;margin-bottom:6px}
.req{color:#c0392b}
.field input,.field textarea{
  width:100%;padding:12px 13px;font-size:1rem;font-family:inherit;
  color:var(--ink);background:#fff;
  border:1px solid #c8d3de;border-radius:8px;
}
.field input:focus,.field textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(26,111,181,.14);
}
.field textarea{resize:vertical;min-height:96px}

.consent{
  background:var(--bg-alt);border:1px solid var(--line);
  border-radius:8px;padding:16px;margin:22px 0;
}
.checkbox{display:flex;gap:12px;align-items:flex-start;cursor:pointer;font-weight:400}
.checkbox input{
  flex:0 0 auto;width:20px;height:20px;margin:2px 0 0;cursor:pointer;
  accent-color:var(--blue);
}
.checkbox span{font-size:.88rem;line-height:1.6;color:var(--body)}
.form-note{font-size:.85rem;color:#6b7a89;margin:14px 0 0;text-align:center}

/* honeypot - visually hidden but not display:none (bots skip display:none) */
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}

.form-error{
  margin:14px 0 0;padding:11px 14px;
  background:#fdecea;border:1px solid #f3c3bd;border-left:4px solid #c0392b;
  border-radius:6px;color:#8d2318;font-size:.92rem;
}

.form-success{
  background:#eafaf0;border:1px solid #b7e6c9;border-left:4px solid #21a35a;
  border-radius:12px;padding:26px 24px;
}
.form-success h3{color:#14713e;margin-bottom:.4em}
.form-success p{margin:0;color:#2f6a48}

/* ---------- faq ---------- */
.faq-item{padding:18px 0;border-bottom:1px solid var(--line)}
.faq-item:last-child{border-bottom:none}
.faq-item h3{margin-bottom:.3em;color:var(--navy)}
.faq-item p{margin:0;font-size:.96rem}

/* ---------- legal pages ---------- */
.legal{padding:52px 0 66px}
.legal h1{font-size:2rem;margin-bottom:.25em}
.legal .updated{color:#78889a;font-size:.9rem;margin-bottom:2.2em}
.legal h2{font-size:1.22rem;margin-top:2.1em;padding-top:.2em}
.legal h3{font-size:1.02rem;margin-top:1.5em}
.legal ul{padding-left:22px;margin:0 0 1em}
.legal li{margin-bottom:.5em}
.legal .callout{
  background:var(--bg-alt);border:1px solid var(--line);
  border-left:4px solid var(--blue);
  border-radius:6px;padding:16px 20px;margin:1.5em 0;
}
.legal .callout p:last-child{margin-bottom:0}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#b6cbdd;padding:46px 0 26px;font-size:.93rem}
.footer-inner{
  display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));
  gap:30px;padding-bottom:28px;
}
.footer-brand{color:#fff;font-weight:700;font-size:1.05rem;margin-bottom:.5em}
.site-footer a{color:#8fc4ee}
.site-footer strong{color:#fff}
.footer-col p{margin:0 0 .6em}
.footer-bottom{
  border-top:1px solid rgba(255,255,255,.15);padding-top:20px;
  font-size:.84rem;color:#8ba0b3;
}
.footer-bottom p{margin:0 0 .5em}
.disclaimer{color:#748b9f;max-width:88ch}

@media (max-width:620px){
  body{font-size:16px}
  h1{font-size:1.85rem}
  h2{font-size:1.45rem}
  .hero{padding:52px 0 46px}
  .section{padding:48px 0}
  .hero-cta .btn{width:100%}
  .nav{gap:14px}
  .nav a{font-size:.88rem}
  .quote-form{padding:22px 18px}
}