:root {
  --navy: #10243f;
  --navy-deep: #09182b;
  --navy-soft: #1b3554;
  --gold: #f5be2e;
  --gold-deep: #e8aa09;
  --cream: #f7f5ef;
  --paper: #ffffff;
  --ink: #101b2a;
  --muted: #617084;
  --line: #dfe4e8;
  --success: #1b7a5a;
  --radius: 18px;
  --shadow: 0 24px 70px rgba(8, 24, 43, .18);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--paper); font-family: "Manrope", sans-serif; line-height: 1.55; }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
button, input, select { font: inherit; }
button { cursor: pointer; }
.container { width: min(1180px, calc(100% - 40px)); margin: 0 auto; }

.site-header { position: sticky; top: 0; z-index: 50; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(16,36,63,.08); backdrop-filter: blur(16px); }
.header-inner { height: 82px; display: flex; align-items: center; justify-content: space-between; gap: 32px; }
.brand img { width: 138px; height: auto; }
.desktop-nav { display: flex; gap: 34px; margin-left: auto; }
.desktop-nav a { font-size: 14px; font-weight: 700; color: #425168; transition: .2s; }
.desktop-nav a:hover { color: var(--navy); }
.header-actions { display: flex; align-items: center; gap: 22px; }
.phone-link { font-size: 14px; font-weight: 800; color: var(--navy); }
.button { border: 0; min-height: 52px; padding: 0 24px; display: inline-flex; align-items: center; justify-content: center; gap: 12px; border-radius: 7px; font-weight: 800; transition: transform .2s, box-shadow .2s, background .2s; }
.button:hover { transform: translateY(-2px); }
.button-small { min-height: 44px; padding: 0 18px; background: var(--navy); color: white; font-size: 13px; }
.button-primary { background: var(--gold); color: var(--navy-deep); box-shadow: 0 10px 26px rgba(245,190,46,.2); }
.button-primary:hover { background: #ffca3d; box-shadow: 0 14px 34px rgba(245,190,46,.28); }
.button-ghost { border: 1px solid rgba(255,255,255,.22); color: white; background: rgba(255,255,255,.05); }
.button-ghost:hover { background: rgba(255,255,255,.1); }
.button-gold { background: var(--gold); color: var(--navy-deep); }
.button-full { width: 100%; }

.hero { position: relative; overflow: hidden; background: var(--navy-deep); color: white; }
.hero::before { content: ""; position: absolute; inset: 0; opacity: .18; background-image: linear-gradient(rgba(255,255,255,.06) 1px, transparent 1px), linear-gradient(90deg, rgba(255,255,255,.06) 1px, transparent 1px); background-size: 64px 64px; mask-image: linear-gradient(to right, black, transparent 75%); }
.hero-glow { position: absolute; border-radius: 50%; filter: blur(2px); pointer-events: none; }
.hero-glow-one { width: 700px; height: 700px; left: -380px; top: -250px; background: radial-gradient(circle, rgba(38,82,125,.7), transparent 66%); }
.hero-glow-two { width: 520px; height: 520px; right: -220px; bottom: -280px; background: radial-gradient(circle, rgba(245,190,46,.18), transparent 68%); }
.hero-grid { min-height: 710px; padding: 86px 0 78px; display: grid; grid-template-columns: 1.08fr .92fr; align-items: center; gap: 72px; position: relative; z-index: 1; }
.eyebrow { margin: 0 0 20px; color: #d8e1ed; display: flex; align-items: center; gap: 12px; font-size: 12px; font-weight: 800; letter-spacing: .16em; text-transform: uppercase; }
.eyebrow span { width: 30px; height: 2px; background: var(--gold); }
.eyebrow.dark { color: var(--muted); }
.eyebrow.light { color: #c6d2e0; }
.hero h1 { max-width: 660px; margin: 0; font-size: clamp(44px, 5.2vw, 72px); line-height: 1.04; letter-spacing: -.045em; }
.hero h1 em { color: var(--gold); font-style: normal; display: block; }
.hero-lead { max-width: 635px; margin: 28px 0 0; color: #c6d2e0; font-size: 18px; line-height: 1.75; }
.hero-cta { margin-top: 34px; display: flex; flex-wrap: wrap; gap: 12px; }
.call-icon { display: inline-grid; place-items: center; width: 26px; height: 26px; border-radius: 50%; background: rgba(255,255,255,.12); }
.trust-list { display: flex; flex-wrap: wrap; gap: 26px; padding: 0; margin: 32px 0 0; list-style: none; color: #c6d2e0; font-size: 13px; font-weight: 700; }
.trust-list span { color: var(--gold); margin-right: 5px; }

.quote-card { background: white; color: var(--ink); border-radius: var(--radius); padding: 34px; box-shadow: var(--shadow); position: relative; }
.quote-card::before { content: ""; position: absolute; inset: -1px; border: 1px solid rgba(255,255,255,.25); border-radius: inherit; pointer-events: none; }
.quote-card-head { display: flex; align-items: flex-start; justify-content: space-between; gap: 16px; margin-bottom: 25px; }
.card-kicker { margin: 0 0 4px; color: var(--gold-deep); font-size: 11px; font-weight: 800; text-transform: uppercase; letter-spacing: .15em; }
.quote-card h2 { margin: 0; font-size: 24px; letter-spacing: -.03em; }
.time-pill { white-space: nowrap; border-radius: 999px; background: #eef2f5; color: var(--muted); padding: 7px 10px; font-size: 11px; font-weight: 800; }
.form-progress { height: 4px; border-radius: 99px; background: #e8edf1; margin-bottom: 25px; overflow: hidden; }
.form-progress span { display: block; width: 33.33%; height: 100%; background: var(--gold); border-radius: inherit; transition: width .3s; }
.form-step { display: none; }
.form-step.is-active { display: block; animation: fade-up .32s ease; }
@keyframes fade-up { from { opacity: 0; transform: translateY(8px); } to { opacity: 1; transform: none; } }
.field-label, .form-step > label:not(.switch-row):not(.consent), .field-row label { display: block; margin-bottom: 12px; color: #314158; font-size: 12px; font-weight: 800; }
.option-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 10px; margin-bottom: 20px; }
.option-card { position: relative; min-height: 78px; padding: 14px; display: flex; align-items: center; gap: 12px; border: 1px solid var(--line); border-radius: 10px; cursor: pointer; transition: .2s; }
.option-card:hover { border-color: #c7a443; background: #fffdf6; }
.option-card:has(input:checked) { border-color: var(--gold-deep); box-shadow: inset 0 0 0 1px var(--gold-deep); background: #fffaf0; }
.option-card input { position: absolute; opacity: 0; }
.option-icon { flex: 0 0 38px; height: 38px; display: grid; place-items: center; border-radius: 8px; background: var(--navy); color: white; font-size: 10px; font-weight: 800; }
.option-card strong { display: block; font-size: 13px; }
.option-card small { display: block; margin-top: 2px; color: var(--muted); font-size: 10px; font-weight: 500; }
.option-wide { grid-column: 1 / -1; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
select, input[type="text"], input[type="tel"], input[type="email"] { width: 100%; min-height: 50px; margin-top: 7px; border: 1px solid var(--line); border-radius: 8px; padding: 0 13px; color: var(--ink); background: white; outline: none; transition: .2s; }
select:focus, input:focus { border-color: var(--gold-deep); box-shadow: 0 0 0 3px rgba(245,190,46,.15); }
.switch-row { display: flex; align-items: center; gap: 10px; margin: 12px 0; color: #425168; font-size: 12px; font-weight: 700; cursor: pointer; }
.switch-row input { position: absolute; opacity: 0; }
.switch-row > span { width: 38px; height: 22px; border-radius: 99px; background: #dce2e7; position: relative; transition: .2s; }
.switch-row > span::after { content: ""; width: 16px; height: 16px; border-radius: 50%; background: white; position: absolute; left: 3px; top: 3px; box-shadow: 0 1px 5px rgba(0,0,0,.18); transition: .2s; }
.switch-row input:checked + span { background: var(--gold); }
.switch-row input:checked + span::after { transform: translateX(16px); }
.step-actions { display: flex; align-items: center; justify-content: space-between; gap: 12px; margin-top: 20px; }
.text-button { padding: 10px 0; border: 0; background: transparent; color: var(--muted); font-size: 12px; font-weight: 800; }
.consent { display: flex !important; gap: 9px; align-items: flex-start; margin-top: 4px !important; color: var(--muted) !important; font-size: 10px !important; line-height: 1.5; }
.consent input { margin-top: 2px; accent-color: var(--navy); }
.form-foot { margin: 17px 0 0; color: #85909d; text-align: center; font-size: 10px; }
.form-success { text-align: center; padding: 10px 4px; }
.success-icon { width: 54px; height: 54px; margin: 0 auto 14px; display: grid; place-items: center; border-radius: 50%; background: #e2f4ed; color: var(--success); font-size: 24px; font-weight: 800; }
.form-success h3 { margin: 0; font-size: 24px; }
.form-success p { margin: 10px 0 20px; color: var(--muted); font-size: 13px; }

.signal-bar { background: var(--gold); }
.signal-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.signal-grid > div { padding: 29px 32px; display: grid; grid-template-columns: auto 1fr; column-gap: 15px; align-items: center; border-right: 1px solid rgba(16,36,63,.15); }
.signal-grid > div:last-child { border-right: 0; }
.signal-grid span { grid-row: 1 / 3; color: rgba(16,36,63,.45); font-size: 11px; font-weight: 800; }
.signal-grid strong { font-size: 14px; }
.signal-grid small { color: rgba(16,36,63,.68); font-size: 10px; font-weight: 700; }

.section { padding: 110px 0; }
.section-heading { display: grid; grid-template-columns: 1fr 380px; gap: 60px; align-items: end; margin-bottom: 50px; }
.section h2 { margin: 0; font-size: clamp(34px, 4vw, 52px); line-height: 1.12; letter-spacing: -.04em; }
.section-heading > p { margin: 0 0 6px; color: var(--muted); font-size: 15px; line-height: 1.75; }
.services { background: var(--cream); }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 14px; }
.service-card { min-height: 340px; padding: 28px; display: flex; flex-direction: column; border: 1px solid #e4e3dd; background: white; position: relative; overflow: hidden; transition: transform .25s, box-shadow .25s; }
.service-card:hover { transform: translateY(-5px); box-shadow: 0 22px 44px rgba(21,33,48,.08); }
.service-card.featured { background: var(--navy); color: white; border-color: var(--navy); }
.service-card.featured::after { content: ""; position: absolute; width: 180px; height: 180px; border: 34px solid rgba(245,190,46,.1); border-radius: 50%; right: -90px; bottom: -85px; }
.service-no { position: absolute; right: 22px; top: 20px; color: #a9b1bb; font-size: 10px; font-weight: 800; }
.service-icon { width: 46px; height: 46px; display: grid; place-items: center; background: #f1f3f4; color: var(--navy); font-size: 21px; font-weight: 800; }
.featured .service-icon { background: var(--gold); }
.service-card h3 { margin: 48px 0 14px; font-size: 20px; line-height: 1.3; }
.service-card p { margin: 0; color: var(--muted); font-size: 13px; line-height: 1.72; }
.featured p { color: #c8d2de; }
.service-card a { margin-top: auto; color: var(--gold); font-size: 12px; font-weight: 800; position: relative; z-index: 1; }
.service-card a span { margin-left: 6px; }

.process { color: white; background: var(--navy); position: relative; overflow: hidden; }
.process::before { content: "WE"; position: absolute; left: -40px; bottom: -160px; color: rgba(255,255,255,.025); font-size: 460px; font-weight: 800; line-height: 1; }
.process-grid { position: relative; display: grid; grid-template-columns: .85fr 1.15fr; gap: 110px; align-items: center; }
.process-copy > p:not(.eyebrow) { max-width: 440px; margin: 24px 0 30px; color: #b8c5d4; line-height: 1.75; }
.process-steps { list-style: none; padding: 0; margin: 0; border-top: 1px solid rgba(255,255,255,.13); }
.process-steps li { display: grid; grid-template-columns: 52px 1fr; gap: 20px; padding: 24px 0; border-bottom: 1px solid rgba(255,255,255,.13); }
.process-steps > li > span { width: 34px; height: 34px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.25); border-radius: 50%; color: var(--gold); font-size: 11px; font-weight: 800; }
.process-steps strong { font-size: 16px; }
.process-steps p { margin: 5px 0 0; color: #aebdcc; font-size: 12px; }

.audience { background: white; }
.audience-grid { display: grid; grid-template-columns: 1.1fr .9fr; gap: 100px; align-items: center; }
.audience-tags { display: flex; flex-wrap: wrap; gap: 10px; }
.audience-tags span { padding: 13px 17px; border: 1px solid var(--line); border-radius: 4px; color: #425168; background: #fafbfb; font-size: 12px; font-weight: 800; }
.audience-tags span:first-child { background: var(--gold); color: var(--navy); border-color: var(--gold); }

.faq { padding-top: 60px; background: white; }
.faq-grid { display: grid; grid-template-columns: .7fr 1.3fr; gap: 110px; }
.faq-intro { max-width: 320px; color: var(--muted); font-size: 14px; }
.text-link { color: var(--navy); font-weight: 800; font-size: 13px; border-bottom: 2px solid var(--gold); padding-bottom: 5px; }
.accordion { border-top: 1px solid var(--line); }
.accordion details { border-bottom: 1px solid var(--line); }
.accordion summary { list-style: none; padding: 23px 0; display: flex; justify-content: space-between; gap: 20px; cursor: pointer; color: var(--navy); font-size: 15px; font-weight: 800; }
.accordion summary::-webkit-details-marker { display: none; }
.accordion summary span { color: var(--gold-deep); font-size: 20px; transition: .2s; }
.accordion details[open] summary span { transform: rotate(45deg); }
.accordion details p { margin: -8px 45px 22px 0; color: var(--muted); font-size: 13px; line-height: 1.7; }

.final-cta { background: var(--navy-deep); color: white; padding: 70px 0; }
.final-cta-inner { display: flex; justify-content: space-between; align-items: flex-end; gap: 60px; }
.final-cta h2 { margin: 0; font-size: clamp(34px, 4vw, 50px); line-height: 1.12; letter-spacing: -.04em; }
.final-actions { display: flex; flex-direction: column; align-items: center; gap: 15px; }
.final-actions > a:last-child { color: #bdc9d5; font-size: 12px; font-weight: 700; }

footer { padding: 60px 0 24px; background: #f3f4f4; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 50px; }
.footer-brand img { width: 130px; }
.footer-grid strong { display: block; margin-bottom: 14px; color: var(--navy); font-size: 12px; text-transform: uppercase; letter-spacing: .1em; }
.footer-grid p, .footer-grid a { display: block; margin: 0 0 7px; color: var(--muted); font-size: 12px; line-height: 1.7; }
.footer-brand p { margin-top: 18px; }
.footer-bottom { margin-top: 45px; padding-top: 20px; display: flex; justify-content: space-between; border-top: 1px solid #d7dbde; color: #8a949f; font-size: 10px; }
.mobile-cta { display: none; }
.cookie-banner { position: fixed; z-index: 90; left: 20px; right: 20px; bottom: 20px; max-width: 980px; margin: 0 auto; padding: 20px 22px; display: flex; align-items: center; justify-content: space-between; gap: 28px; border: 1px solid rgba(255,255,255,.14); border-radius: 12px; background: rgba(9,24,43,.97); color: white; box-shadow: 0 20px 60px rgba(0,0,0,.28); }
.cookie-banner[hidden] { display: none; }
.cookie-banner strong { font-size: 13px; }
.cookie-banner p { max-width: 620px; margin: 4px 0 0; color: #c6d2e0; font-size: 11px; line-height: 1.55; }
.cookie-actions { display: flex; align-items: center; gap: 14px; flex: 0 0 auto; }
.cookie-actions .text-button { color: #c6d2e0; }
.cookie-actions .button { min-height: 42px; padding: 0 16px; font-size: 11px; }

@media (max-width: 1020px) {
  .desktop-nav, .phone-link { display: none; }
  .hero-grid { grid-template-columns: 1fr; gap: 50px; padding-top: 70px; }
  .hero-copy { max-width: 760px; }
  .quote-card { max-width: 620px; }
  .signal-grid > div { padding: 24px 16px; }
  .service-grid { grid-template-columns: 1fr 1fr; }
  .process-grid { gap: 60px; }
  .faq-grid { gap: 60px; }
}

@media (max-width: 720px) {
  body { padding-bottom: 64px; }
  .container { width: min(100% - 28px, 1180px); }
  .site-header { position: relative; }
  .header-inner { height: 70px; }
  .brand img { width: 116px; }
  .header-actions .button { min-height: 40px; padding: 0 13px; }
  .hero-grid { min-height: auto; padding: 55px 0 48px; }
  .hero h1 { font-size: 42px; }
  .hero-lead { font-size: 15px; line-height: 1.7; }
  .hero-cta { flex-direction: column; align-items: stretch; }
  .hero-cta .button { width: 100%; }
  .trust-list { display: grid; gap: 9px; }
  .quote-card { padding: 24px 18px; border-radius: 13px; }
  .quote-card h2 { font-size: 21px; }
  .option-grid, .field-row { grid-template-columns: 1fr; }
  .option-wide { grid-column: auto; }
  .signal-grid { grid-template-columns: 1fr; padding: 8px 0; }
  .signal-grid > div { border-right: 0; border-bottom: 1px solid rgba(16,36,63,.15); }
  .signal-grid > div:last-child { border-bottom: 0; }
  .section { padding: 78px 0; }
  .section-heading, .audience-grid, .faq-grid, .process-grid { grid-template-columns: 1fr; gap: 32px; }
  .section-heading { margin-bottom: 34px; }
  .service-grid { grid-template-columns: 1fr; }
  .service-card { min-height: 290px; }
  .process::before { font-size: 280px; }
  .audience-grid { gap: 38px; }
  .faq { padding-top: 15px; }
  .final-cta-inner { align-items: stretch; flex-direction: column; }
  .final-actions { align-items: stretch; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .footer-brand { grid-column: 1 / -1; }
  .mobile-cta { position: fixed; z-index: 60; left: 0; right: 0; bottom: 0; height: 64px; display: grid; grid-template-columns: .75fr 1.25fr; background: white; border-top: 1px solid var(--line); box-shadow: 0 -8px 24px rgba(0,0,0,.08); }
  .mobile-cta a { display: grid; place-items: center; font-size: 13px; font-weight: 800; }
  .mobile-cta a:last-child { color: var(--navy); background: var(--gold); }
  .cookie-banner { left: 12px; right: 12px; bottom: 76px; padding: 18px; align-items: stretch; flex-direction: column; gap: 12px; }
  .cookie-actions { justify-content: space-between; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; transition-duration: .01ms !important; }
}