:root{--navy:#0d2240;--navy-2:#16335c;--yellow:#ffc20e;--ink:#1b1f24;--muted:#5a6472;--bg:#fff;--soft:#f3f5f8;--line:#dde2e9;--radius:8px;--max:1120px}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img,svg{max-width:100%;display:block}
a{color:var(--navy-2)}
h1,h2,h3{line-height:1.2;margin:0 0 .6em;color:var(--navy)}
h1{font-size:clamp(2rem,5vw,3rem)}
h2{font-size:clamp(1.5rem,3.5vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
ul{padding-left:1.2em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:8px;background:#fff;padding:8px;z-index:9}

/* top bar + header */
.topbar{background:var(--navy);color:#fff;font-size:.9rem}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}
.topbar a{color:var(--yellow);font-weight:700;text-decoration:none}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.site-header .wrap{position:relative;display:flex;align-items:center;justify-content:space-between;min-height:68px;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:var(--navy);text-decoration:none}
.logo span{color:var(--muted);font-weight:600;font-size:.8rem;display:block;line-height:1}
.nav-toggle{position:absolute;left:0;top:0;width:1px;height:1px;opacity:0;pointer-events:none}
.nav-btn{display:none;cursor:pointer;font-weight:700;padding:8px 12px;border:1px solid var(--line);border-radius:var(--radius)}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;align-items:center}
.nav a{display:block;padding:10px 12px;text-decoration:none;color:var(--ink);font-weight:600;border-radius:var(--radius)}
.nav a:hover,.nav a[aria-current=page]{background:var(--soft);color:var(--navy)}
.nav a.btn{color:var(--navy);background:var(--yellow);margin-left:6px}
@media (max-width:860px){
  .nav-btn{display:block}
  .nav{display:none;width:100%;padding-bottom:12px}
  .nav ul{flex-direction:column;align-items:stretch}
  .nav a.btn{margin:6px 0 0;text-align:center}
  .nav-toggle:checked ~ .nav{display:block}
  .nav-toggle:focus-visible + .nav-btn{outline:2px solid var(--navy)}
}

/* buttons */
.btn{display:inline-block;background:var(--yellow);color:var(--navy);font-weight:800;text-decoration:none;padding:13px 22px;border-radius:var(--radius);border:2px solid var(--yellow);font-size:1rem;cursor:pointer}
.btn:hover{filter:brightness(.95)}
.btn.ghost{background:transparent;color:#fff;border-color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:64px 0 56px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:repeating-linear-gradient(90deg,transparent 0 78px,rgba(255,255,255,.05) 78px 82px),repeating-linear-gradient(0deg,transparent 0 118px,rgba(255,255,255,.05) 118px 122px);pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero h1{color:#fff;max-width:820px}
.hero p.lead{font-size:1.2rem;max-width:700px;color:#dbe4f0}
.eyebrow{display:inline-block;background:rgba(255,194,14,.15);color:var(--yellow);font-weight:700;font-size:.85rem;letter-spacing:.06em;text-transform:uppercase;padding:4px 10px;border-radius:99px;margin-bottom:14px}
.badges{display:flex;flex-wrap:wrap;gap:8px 20px;list-style:none;padding:0;margin:26px 0 0;color:#dbe4f0;font-size:.95rem}
.badges li::before{content:"\2713";color:var(--yellow);font-weight:800;margin-right:6px}

/* sections */
section{padding:56px 0}
section.soft{background:var(--soft)}
.section-head{max-width:760px;margin-bottom:28px}
.section-head p{color:var(--muted)}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.grid-2{display:grid;gap:32px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));align-items:start}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;border-top:4px solid var(--yellow)}
.card p{color:var(--muted);margin-bottom:.6em}
.card a{font-weight:700}
.icon{width:44px;height:44px;border-radius:var(--radius);background:var(--navy);color:var(--yellow);display:grid;place-items:center;margin-bottom:14px}
.icon svg{width:24px;height:24px}
.checks{list-style:none;padding:0}
.checks li{padding-left:28px;position:relative;margin-bottom:8px}
.checks li::before{content:"\2713";position:absolute;left:0;top:0;color:var(--navy);background:var(--yellow);width:20px;height:20px;border-radius:50%;font-size:.75rem;font-weight:800;display:grid;place-items:center;margin-top:4px}
.cols{columns:2 200px;gap:24px;list-style:none;padding:0}
.cols li{break-inside:avoid;padding:6px 0;border-bottom:1px solid var(--line)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:var(--yellow);font-weight:800;margin-bottom:10px}
.service{scroll-margin-top:90px}
.service + .service{border-top:1px solid var(--line);padding-top:40px;margin-top:40px}
details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:14px 18px;margin-bottom:10px}
summary{font-weight:700;cursor:pointer;color:var(--navy)}
details p{margin:.8em 0 0;color:var(--muted)}

/* cta band */
.cta{background:var(--yellow);padding:44px 0}
.cta .wrap{display:flex;gap:20px;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta h2{margin:0}
.cta .btn{background:var(--navy);color:#fff;border-color:var(--navy)}
.cta .btn.alt{background:transparent;color:var(--navy)}

/* forms */
form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
fieldset{border:0;padding:0;margin:0 0 20px}
legend{font-weight:800;color:var(--navy);font-size:1.1rem;margin-bottom:10px}
.fields{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.full{grid-column:1/-1}
label{display:block;font-weight:600;font-size:.95rem;margin-bottom:4px}
input,select,textarea{width:100%;font:inherit;padding:11px 12px;border:1px solid #b9c2ce;border-radius:6px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--yellow);border-color:var(--navy)}
textarea{min-height:120px;resize:vertical}
.choice{display:flex;flex-wrap:wrap;gap:8px}
.choice label{display:flex;gap:8px;align-items:center;font-weight:500;border:1px solid var(--line);border-radius:6px;padding:8px 12px;margin:0;cursor:pointer}
.choice input{width:auto}
.hint{font-size:.85rem;color:var(--muted)}
.hidden{display:none}
.contact-list{list-style:none;padding:0}
.contact-list li{padding:12px 0;border-bottom:1px solid var(--line)}
.contact-list strong{display:block;color:var(--navy)}

/* footer */
.site-footer{background:var(--navy);color:#c9d4e3;padding:44px 0 24px;font-size:.95rem}
.site-footer h3{color:#fff;font-size:1rem}
.site-footer a{color:#fff}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:6px}
.foot-grid{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.legal{border-top:1px solid rgba(255,255,255,.15);margin-top:28px;padding-top:18px;font-size:.85rem}
.grid-5{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
.quote-grid{display:grid;gap:32px;align-items:start}
@media (min-width:900px){.quote-grid{grid-template-columns:minmax(0,2fr) minmax(260px,1fr)}}
.types{grid-template-columns:repeat(auto-fill,minmax(260px,1fr))}
.type-card{padding:0;overflow:hidden;border-top:0}
.type-card img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;background:var(--line)}
.type-card h3{margin:18px 20px 6px}
.type-card p{margin:0 20px 20px}
#types{scroll-margin-top:70px}