:root {
  --navy: #12314e;
  --navy-dark: #0b2138;
  --blue: #1e6fb8;
  --blue-light: #eaf3fb;
  --amber: #f2a72e;
  --ink: #22303c;
  --muted: #5a6b7a;
  --line: #dde5ec;
  --bg: #ffffff;
  --bg-alt: #f5f8fa;
  --radius: 10px;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--ink);
  background: var(--bg);
  line-height: 1.65;
}

.wrap { max-width: 1040px; margin: 0 auto; padding: 0 20px; }

h1 { font-size: clamp(1.9rem, 4.5vw, 2.8rem); line-height: 1.15; color: var(--navy); }
h2 { font-size: clamp(1.4rem, 3vw, 1.9rem); color: var(--navy); margin-bottom: 0.6rem; }
h3 { font-size: 1.15rem; color: var(--navy); margin-bottom: 0.35rem; }
p { margin-bottom: 1rem; }
ul, ol { margin: 0 0 1rem 1.3rem; }
li { margin-bottom: 0.4rem; }
a { color: var(--blue); }

/* Header */
.site-header { background: var(--navy); position: sticky; top: 0; z-index: 50; }
.header-row { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding: 14px 20px; flex-wrap: wrap; }
.brand { font-weight: 800; font-size: 1.15rem; color: #fff; text-decoration: none; letter-spacing: 0.2px; }
.nav { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; }
.nav a { color: #d8e5f0; text-decoration: none; font-size: 0.95rem; }
.nav a:hover { color: #fff; }
.phone-cta { color: var(--amber); font-weight: 700; text-decoration: none; font-size: 1.05rem; }

/* Buttons */
.btn {
  display: inline-block; background: var(--amber); color: var(--navy-dark) !important;
  font-weight: 700; text-decoration: none; padding: 13px 26px; border-radius: var(--radius);
  border: none; font-size: 1rem; cursor: pointer;
}
.btn:hover { filter: brightness(1.06); }
.btn-small { padding: 8px 16px; font-size: 0.9rem; }

/* Hero */
.hero { background: linear-gradient(160deg, var(--navy) 0%, var(--navy-dark) 100%); color: #e8eef4; padding: 64px 0 56px; }
.hero h1 { color: #fff; margin-bottom: 0.8rem; }
.hero .lede { font-size: 1.15rem; max-width: 640px; margin-bottom: 1.6rem; color: #c9d8e4; }
.hero-points { list-style: none; margin: 0 0 1.8rem 0; display: flex; gap: 22px; flex-wrap: wrap; }
.hero-points li { font-weight: 600; color: #fff; margin: 0; }
.hero-points li::before { content: "✓ "; color: var(--amber); }

/* Sections */
section { padding: 52px 0; }
section.alt { background: var(--bg-alt); }
.grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 22px; margin-top: 1.4rem; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card a.more { font-weight: 600; text-decoration: none; }

/* FAQ */
details { border: 1px solid var(--line); border-radius: var(--radius); padding: 14px 18px; margin-bottom: 10px; background: #fff; }
summary { font-weight: 700; color: var(--navy); cursor: pointer; }
details p { margin: 0.7rem 0 0; }

/* CTA band */
.cta-band { background: var(--blue); color: #fff; text-align: center; padding: 46px 0; }
.cta-band h2 { color: #fff; }
.cta-band p { color: #dcebf7; max-width: 560px; margin: 0 auto 1.4rem; }

/* Forms */
.lead-form { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 28px; max-width: 560px; }
.lead-form label { display: block; font-weight: 600; margin: 14px 0 4px; color: var(--navy); }
.lead-form input, .lead-form select, .lead-form textarea {
  width: 100%; padding: 11px 12px; border: 1px solid var(--line); border-radius: 6px; font-size: 1rem; font-family: inherit;
}
.lead-form .consent { font-size: 0.82rem; color: var(--muted); margin-top: 12px; }
.lead-form .btn { margin-top: 16px; width: 100%; }
.form-note { margin-top: 12px; font-size: 0.95rem; }
.form-note.error { color: #a33; }

/* Tables */
table { width: 100%; border-collapse: collapse; margin-bottom: 1rem; }
th, td { text-align: left; padding: 10px 12px; border-bottom: 1px solid var(--line); }
th { color: var(--navy); }

/* Footer */
.site-footer { background: var(--navy-dark); color: #b9c7d3; padding: 44px 0 30px; margin-top: 40px; font-size: 0.92rem; }
.site-footer a { color: #d8e5f0; display: block; text-decoration: none; margin-bottom: 6px; }
.footer-cols { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 28px; margin-bottom: 26px; }
.footer-head { font-weight: 700; color: #fff; margin-bottom: 8px; }
.disclosure { font-size: 0.8rem; color: #8fa2b3; border-top: 1px solid #24425f; padding-top: 18px; }
.fineprint { font-size: 0.8rem; color: #8fa2b3; }
.fineprint a { display: inline; }

@media (max-width: 640px) {
  .hero { padding: 44px 0 40px; }
  .hero-points { flex-direction: column; gap: 8px; }
}