:root{--navy:#14213d;--navy2:#1d2f55;--gold:#e9b949;--gold2:#d4a22f;--ink:#1e2430;--muted:#5b6475;--bg:#ffffff;--alt:#f5f3ee;--line:#e3dfd5;--water:#7fb3d5;--warn:#b5462f;--r:12px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:"Open Sans",system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3{font-family:Montserrat,system-ui,sans-serif;line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(1.9rem,4.4vw,3rem);font-weight:800}h2{font-size:clamp(1.4rem,2.6vw,1.9rem);font-weight:800;margin-top:1.4em}h3{font-size:1.1rem;font-weight:700}
a{color:#1f5f99}a:hover{color:var(--navy)}
p{margin:0 0 1em}.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.narrow{max-width:860px}.center{text-align:center}.muted{color:var(--muted)}.fine{font-size:.85rem;color:var(--muted)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.btn{display:inline-block;font-family:Montserrat,sans-serif;font-weight:700;text-decoration:none;padding:14px 22px;border-radius:999px;border:2px solid transparent;cursor:pointer;font-size:1rem;text-align:center}
.btn-gold{background:var(--gold);color:var(--navy)}.btn-gold:hover{background:var(--gold2);color:var(--navy)}
.btn-ghost{border-color:#fff;color:#fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
/* header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.hdr{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}.logo-mark{width:54px;height:54px;flex:none}
.brand-text{display:flex;flex-direction:column;line-height:1}.b1{font-family:Montserrat,sans-serif;font-weight:800;color:#fff;font-size:clamp(1.3rem,2.4vw,1.8rem);letter-spacing:.3px}
.b2{font-family:Montserrat,sans-serif;font-weight:700;color:var(--gold);font-size:clamp(.75rem,1.3vw,.95rem);letter-spacing:1.5px;text-transform:uppercase;margin-top:4px}
.nav{display:flex;align-items:center;gap:15px}.nav a{color:#fff;text-decoration:none;font-family:Montserrat,sans-serif;font-weight:600;font-size:.95rem}
.nav a:hover,.nav a.active{color:var(--gold)}.nav .nav-call{color:var(--navy);padding:10px 16px}.nav .nav-call:hover{color:var(--navy)}
.nav-toggle{display:none;background:none;border:0;cursor:pointer;padding:8px}.nav-toggle span{display:block;width:26px;height:3px;background:#fff;margin:5px 0;border-radius:2px}
@media (max-width:1100px){.nav-toggle{display:block}.nav{display:none;position:absolute;left:0;right:0;top:78px;background:var(--navy);flex-direction:column;align-items:stretch;padding:12px 20px 20px;gap:4px}.nav.open{display:flex}.nav a{padding:10px 0;border-bottom:1px solid rgba(255,255,255,.1)}.nav .nav-call{margin-top:10px;border:0}}
/* hero */
.hero{position:relative;background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 60%,#2a4170 100%);color:#fff;padding:56px 0 110px;overflow:hidden}
.hero-sm{padding:44px 0 90px}
.hero-in{position:relative;z-index:2;display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero-sm .hero-in{grid-template-columns:1fr}.hero-sm .hero-copy{max-width:820px}
.hero h1{color:#fff}.hero .lead{font-size:1.15rem;color:#dfe6f2}.eyebrow{font-family:Montserrat,sans-serif;font-weight:700;color:var(--gold);text-transform:uppercase;letter-spacing:1.5px;font-size:.82rem;margin-bottom:.7em}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 18px}
.trust{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 20px;font-size:.92rem;color:#dfe6f2}.trust li:before{content:"✓ ";color:var(--gold);font-weight:700}
.mtn{position:absolute;left:0;right:0;bottom:-1px;height:120px;z-index:1;background:
url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 1440 120' preserveAspectRatio='none'%3E%3Cpath d='M0 120 L0 70 L120 40 L230 75 L360 20 L470 62 L600 30 L720 70 L850 25 L980 66 L1100 35 L1230 72 L1340 45 L1440 64 L1440 120 Z' fill='%232f4a7d'/%3E%3Cpath d='M0 120 L0 92 L160 70 L300 95 L450 62 L620 96 L780 68 L930 98 L1090 70 L1250 96 L1440 78 L1440 120 Z' fill='%23ffffff'/%3E%3C/svg%3E") bottom/100% 100% no-repeat}
/* quote */
.quote-card{background:#fff;color:var(--ink);border-radius:var(--r);padding:24px;box-shadow:0 14px 40px rgba(10,20,40,.25);border-top:6px solid var(--gold)}
.quote-card h2{margin-top:0;font-size:1.4rem}
.qform{display:grid;grid-template-columns:1fr 1fr;gap:12px}.qform label{display:block;font-weight:600;font-size:.88rem;color:var(--navy)}.qform label input,.qform label select,.qform label textarea{margin-top:5px;display:block}
.qform .full{grid-column:1/-1}.qform input,.qform select,.qform textarea{font:inherit;font-size:1rem;padding:11px 12px;border:1.5px solid var(--line);border-radius:8px;background:#fff;width:100%}
.qform input:focus,.qform select:focus,.qform textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(233,185,73,.25)}
.qform .check{display:flex;align-items:center;gap:8px}.qform .check input{width:auto;margin:0}
.opt{font-weight:400;color:var(--muted)}.hp{display:none!important}
.side .quote-card{position:sticky;top:96px}
/* sections */
.section{padding:56px 0}.section.alt{background:var(--alt)}
.twocol{display:grid;grid-template-columns:1fr 400px;gap:44px;align-items:start}
.content h2:first-child{margin-top:0}
.crumbs{font-size:.85rem;color:var(--muted);padding-top:18px}.crumbs a{color:var(--muted)}.crumbs .sep{margin:0 4px}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(250px,1fr));gap:18px;margin-top:24px}
.card{display:block;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink);border-top:4px solid var(--navy);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(20,33,61,.12);border-top-color:var(--gold)}.card p{color:var(--muted);font-size:.95rem}.more{font-weight:700;color:#1f5f99;font-size:.9rem}
.checks,.warn,.svc-list{padding:0;list-style:none}.checks li,.warn li,.svc-list li{position:relative;padding-left:30px;margin:.45em 0}
.checks li:before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:var(--navy);color:var(--gold);font-size:.8rem;display:flex;align-items:center;justify-content:center;font-weight:700;margin-top:3px}
.warn li:before{content:"!";position:absolute;left:0;width:22px;height:22px;border-radius:50%;background:var(--warn);color:#fff;font-size:.8rem;display:flex;align-items:center;justify-content:center;font-weight:800;margin-top:3px}
.svc-list li:before{content:"→";position:absolute;left:4px;color:var(--gold2);font-weight:800}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin:10px 0 18px}.pills a{display:inline-block;padding:8px 14px;border-radius:999px;background:#fff;border:1.5px solid var(--line);text-decoration:none;color:var(--navy);font-weight:600;font-size:.9rem}
.pills a:hover{border-color:var(--gold);background:#fff8e6}
.agroups{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-top:24px}.agroup{background:var(--alt);border-radius:var(--r);padding:20px}.section.alt .agroup{background:#fff}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:28px}
.steps li{counter-increment:s;background:var(--alt);border-radius:var(--r);padding:22px;position:relative}.steps li:before{content:counter(s);display:flex;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font-family:Montserrat,system-ui,sans-serif;font-weight:800;align-items:center;justify-content:center;margin-bottom:10px}
.why{display:grid;grid-template-columns:1fr 1fr;gap:22px;margin-top:20px}.why div{background:#fff;border-radius:var(--r);padding:22px;border-left:4px solid var(--gold)}
.faq details{border:1px solid var(--line);border-radius:10px;margin:10px 0;background:#fff}.faq summary{cursor:pointer;padding:16px 18px;font-family:Montserrat,sans-serif;font-weight:700;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:12px;font-size:1.4rem;color:var(--gold2)}.faq details[open] summary:after{content:"–"}.faq details p{padding:0 18px 16px;margin:0}
.tbl{overflow-x:auto;margin:10px 0}.tbl table{border-collapse:collapse;width:100%;min-width:420px;background:#fff}.tbl th{background:var(--navy);color:#fff;font-family:Montserrat,system-ui,sans-serif;text-align:left;padding:10px 12px;font-size:.9rem}
.tbl td{padding:10px 12px;border-bottom:1px solid var(--line)}.tbl tr:nth-child(even) td{background:#faf8f3}
.big{font-family:Montserrat,system-ui,sans-serif;font-size:2rem;font-weight:800}.big a{color:var(--navy);text-decoration:none}.lead-dark{font-size:1.2rem}
/* cta + footer */
.cta-band{background:var(--gold);padding:36px 0}.cta-in{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.cta-band h2{margin:0 0 .3em}.cta-band p{margin:0;color:var(--navy)}
.cta-btns{display:flex;gap:12px;flex-wrap:wrap}.cta-band .btn-gold{background:var(--navy);color:#fff}.cta-band .btn-ghost{border-color:var(--navy);color:var(--navy)}.cta-band .btn-ghost:hover{background:var(--navy);color:#fff}
.site-footer{background:var(--navy);color:#c9d2e3;padding:48px 0 20px;font-size:.92rem}.site-footer h3{color:var(--gold);font-size:.95rem;text-transform:uppercase;letter-spacing:1px}
.site-footer a{color:#e7ecf5;text-decoration:none}.site-footer a:hover{color:var(--gold)}.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin:5px 0}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1.3fr 1fr;gap:32px}.cols2{columns:2;column-gap:16px}.fphone{font-family:Montserrat,system-ui,sans-serif;font-weight:800;font-size:1.3rem;color:var(--gold)!important}
.brand-foot{margin-bottom:14px}.site-footer .fine{color:#93a0b8}.fbot{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:16px;color:#93a0b8;font-size:.85rem}
.mobile-call{display:none}
@media (max-width:960px){.hero-in,.twocol{grid-template-columns:1fr}.side .quote-card{position:static}.steps{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){body{font-size:16px}.qform{grid-template-columns:1fr}.steps,.why,.fgrid{grid-template-columns:1fr}.hero{padding:36px 0 90px}.logo-mark{width:44px;height:44px}
.mobile-call{display:block;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--gold);color:var(--navy);text-align:center;font-family:Montserrat,system-ui,sans-serif;font-weight:800;padding:14px;text-decoration:none;box-shadow:0 -4px 14px rgba(0,0,0,.2)}
body{padding-bottom:56px}.hero-btns .btn{flex:1 1 100%}}
.hero-photo{background-color:var(--navy);background-image:linear-gradient(100deg,rgba(10,18,36,.92) 0%,rgba(10,18,36,.78) 45%,rgba(10,18,36,.45) 100%),var(--hero-jpg);background-image:linear-gradient(100deg,rgba(10,18,36,.92) 0%,rgba(10,18,36,.78) 45%,rgba(10,18,36,.45) 100%),image-set(var(--hero-webp) type("image/webp"),var(--hero-jpg) type("image/jpeg"));background-size:cover;background-position:center}
@media (max-width:640px){.hero-photo{background-image:linear-gradient(180deg,rgba(10,18,36,.85),rgba(10,18,36,.88)),var(--hero-jpg)}}