:root{
  --bg:#F4F6F8;
  --navy:#122C5B;
  --amber:#F0B429;
  --ink:#1A1A1A;
  --white:#FFFFFF;
  --wrap:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  background:var(--bg);
  color:var(--ink);
  font-family:"Inter",sans-serif;
  font-size:16.5px;
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,.logo-text,.stat-num,.step-n,.foot-logo{font-family:"IBM Plex Sans",sans-serif;font-weight:700;letter-spacing:-.015em;line-height:1.15}
a{color:var(--navy)}
img{display:none}
sup{font-size:.62em}
.wrap{width:min(100% - 2.4rem,var(--wrap));margin-inline:auto}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:.7rem 1rem;z-index:99}
.skip:focus{left:.5rem;top:.5rem}

/* ---------- Header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:var(--navy);border-bottom:3px solid var(--amber)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:74px}
.logo{display:flex;align-items:center;gap:.6rem;text-decoration:none;color:#fff}
.logo-mark{display:grid;place-items:center;width:42px;height:42px;border:2px solid rgba(240,180,41,.45);border-radius:10px;flex:none}
.logo-text{display:flex;flex-direction:column;font-size:1.12rem;line-height:1.1}
.logo-text small{font-family:"Inter",sans-serif;font-weight:400;font-size:.68rem;letter-spacing:.06em;text-transform:uppercase;color:rgba(255,255,255,.72);margin-top:.22rem}
.nav{display:flex;align-items:center;gap:1.45rem}
.nav a{color:rgba(255,255,255,.88);text-decoration:none;font-size:.94rem;font-weight:500;padding:.25rem 0;border-bottom:2px solid transparent}
.nav a:hover{color:#fff;border-bottom-color:var(--amber)}
.nav a.btn{border-bottom:none}
.nav a[aria-current="page"]{color:var(--amber)}
.burger{display:none;background:transparent;border:2px solid rgba(255,255,255,.35);border-radius:9px;width:46px;height:40px;padding:9px 10px;cursor:pointer}
.burger span{display:block;height:2px;background:#fff;margin:4px 0;border-radius:2px;transition:.2s}
.burger[aria-expanded="true"] span:nth-child(1){transform:translateY(6px) rotate(45deg)}
.burger[aria-expanded="true"] span:nth-child(2){opacity:0}
.burger[aria-expanded="true"] span:nth-child(3){transform:translateY(-6px) rotate(-45deg)}

/* ---------- Buttons ---------- */
.btn{display:inline-block;font-family:"IBM Plex Sans",sans-serif;font-weight:600;font-size:.98rem;text-decoration:none;padding:.85rem 1.5rem;border-radius:8px;border:2px solid transparent;transition:.18s;cursor:pointer}
.btn-solid{background:var(--amber);color:var(--navy);border-color:var(--amber)}
.btn-solid:hover{background:var(--navy);color:var(--amber)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-sm{padding:.55rem 1.05rem;font-size:.9rem}
.section-navy .btn-ghost{color:#fff;border-color:rgba(255,255,255,.6)}

/* ---------- Hero ---------- */
.hero{background:var(--white);border-bottom:1px solid rgba(18,44,91,.12);padding:3.6rem 0 3.2rem;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-120px;top:-120px;width:360px;height:360px;border:34px solid rgba(240,180,41,.14);border-radius:50%}
.hero-grid{position:relative;display:grid;grid-template-columns:1.35fr .9fr;gap:2.6rem;align-items:start}
.eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:600;color:var(--navy);margin:0 0 .9rem;display:inline-block;border-left:4px solid var(--amber);padding-left:.7rem}
.hero h1{font-size:clamp(2rem,4.3vw,3.1rem);margin:0 0 1rem;color:var(--navy)}
.hl{box-shadow:inset 0 -.38em 0 rgba(240,180,41,.42)}
.lede{font-size:1.06rem;color:rgba(26,26,26,.82);margin:0 0 1.6rem;max-width:62ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:.8rem;margin-bottom:2.2rem}

/* Stats bar */
.stats-bar{display:grid;grid-template-columns:repeat(3,1fr);background:var(--navy);border-radius:12px;overflow:hidden;border-bottom:5px solid var(--amber)}
.stat{padding:1.3rem 1.15rem;border-right:1px solid rgba(255,255,255,.14)}
.stat:last-child{border-right:none}
.stat-num{display:block;font-size:clamp(1.8rem,3.4vw,2.5rem);color:var(--amber);line-height:1}
.stat-label{display:block;margin-top:.45rem;font-size:.82rem;color:rgba(255,255,255,.82);line-height:1.35}

/* Hero card */
.hero-card{background:var(--bg);border:2px solid var(--navy);border-radius:14px;padding:1.6rem}
.hero-card h2{font-size:1.18rem;color:var(--navy);margin:0 0 1rem;padding-bottom:.6rem;border-bottom:2px solid var(--amber)}
.facts{list-style:none;margin:0;padding:0}
.facts li{display:flex;flex-direction:column;padding:.6rem 0;border-bottom:1px dashed rgba(18,44,91,.22)}
.facts li strong{font-size:.86rem;text-transform:uppercase;letter-spacing:.05em;color:var(--navy)}
.facts li span{font-size:.92rem;color:rgba(26,26,26,.78)}
.hero-card-foot{margin-top:1.1rem}
.badge{display:inline-block;background:var(--amber);color:var(--navy);font-size:.72rem;font-weight:600;letter-spacing:.09em;text-transform:uppercase;padding:.28rem .6rem;border-radius:4px}
.hero-card-foot p{margin:.5rem 0 0;font-weight:600;color:var(--navy)}

/* ---------- Sections ---------- */
.section{padding:4.2rem 0}
.section-alt{background:var(--white);border-top:1px solid rgba(18,44,91,.1);border-bottom:1px solid rgba(18,44,91,.1)}
.section-navy{background:var(--navy);color:#fff}
.sec-head{max-width:760px;margin:0 auto 2.6rem;text-align:center}
.sec-head-left{margin-left:0;text-align:left}
.sec-sub{margin:0 0 .5rem;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:600;color:var(--amber)}
.sec-title{font-size:clamp(1.6rem,3vw,2.3rem);color:var(--navy);margin:0 0 .8rem}
.sec-lede{margin:0;color:rgba(26,26,26,.78)}
.sec-head-light .sec-title{color:#fff}
.sec-head-light .sec-lede{color:rgba(255,255,255,.8)}
.section-navy .sec-sub{color:var(--amber)}

/* Services */
.cards{display:grid;grid-template-columns:repeat(2,1fr);gap:1.3rem}
.card{background:var(--white);border:1px solid rgba(18,44,91,.14);border-top:4px solid var(--navy);border-radius:12px;padding:1.6rem;transition:.18s}
.card:hover{border-top-color:var(--amber);transform:translateY(-3px)}
.card-ico{display:grid;place-items:center;width:52px;height:52px;border-radius:10px;background:rgba(240,180,41,.18);margin-bottom:1rem}
.card h3{font-size:1.18rem;color:var(--navy);margin:0 0 .55rem}
.card p{margin:0;font-size:.97rem;color:rgba(26,26,26,.8)}

/* Result tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.tile{background:rgba(255,255,255,.04);border:2px solid rgba(255,255,255,.22);border-left:5px solid var(--amber);border-radius:10px;padding:1.3rem 1.3rem 1.45rem}
.tile-tag{display:inline-block;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;font-weight:600;color:var(--amber);margin-bottom:.55rem}
.tile h3{font-size:1.06rem;margin:0 0 .5rem;color:#fff}
.tile-out{margin:0;font-size:.93rem;color:rgba(255,255,255,.78)}

/* Quotes */
.quotes{display:grid;grid-template-columns:repeat(3,1fr);gap:1.3rem}
.quote{margin:0;background:var(--white);border:1px solid rgba(18,44,91,.14);border-radius:12px;padding:1.6rem;display:flex;flex-direction:column;justify-content:space-between}
.quote blockquote{margin:0 0 1.2rem;font-size:1rem;color:rgba(26,26,26,.86);position:relative;padding-top:1.8rem}
.quote blockquote::before{content:"";position:absolute;top:0;left:0;width:38px;height:6px;background:var(--amber);border-radius:3px}
.quote figcaption{display:flex;align-items:center;gap:.75rem;border-top:1px solid rgba(18,44,91,.14);padding-top:.9rem}
.av{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:var(--amber);font-weight:600;font-size:.86rem;flex:none}
.quote figcaption span:last-child{display:flex;flex-direction:column;font-size:.84rem;color:rgba(26,26,26,.68)}
.quote figcaption strong{font-size:.97rem;color:var(--navy)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1.25fr .85fr;gap:2.4rem;align-items:start}
.form{display:flex;flex-direction:column;gap:1rem}
.f-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.form label{display:flex;flex-direction:column;gap:.35rem;font-size:.86rem;font-weight:600;color:var(--navy)}
.form input[type=text],.form select,.form textarea{
  font-family:"Inter",sans-serif;font-size:1rem;color:var(--ink);
  padding:.75rem .85rem;border:2px solid rgba(18,44,91,.25);border-radius:8px;background:var(--white);
}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--amber)}
.form textarea{resize:vertical}
.check{flex-direction:row !important;align-items:flex-start;gap:.6rem !important;font-weight:400 !important;font-size:.88rem !important;color:rgba(26,26,26,.8) !important}
.check input{margin-top:.25rem;width:18px;height:18px;accent-color:var(--navy);flex:none}
.form button{align-self:flex-start}
.form-msg{margin:0;font-size:.92rem;font-weight:600;min-height:1.2em}
.form-msg.ok{color:var(--navy)}
.form-msg.err{color:#1A1A1A}
.input-error{border-color:var(--amber) !important;background:rgba(240,180,41,.08) !important}

.contact-card{background:var(--navy);color:#fff;border-radius:14px;padding:1.8rem;border-bottom:6px solid var(--amber)}
.contact-card h3{margin:0 0 .9rem;color:var(--amber);font-size:1.15rem}
.addr{margin:0 0 1.2rem;font-size:1.05rem;font-weight:600;line-height:1.5}
.c-list{margin:0;display:grid;grid-template-columns:1fr;gap:.2rem}
.c-list dt{font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:var(--amber);margin-top:.8rem}
.c-list dd{margin:.15rem 0 0;font-size:.95rem;color:rgba(255,255,255,.88)}
.c-list a{color:#fff}
.c-note{margin-top:1.4rem;padding-top:1.1rem;border-top:1px solid rgba(255,255,255,.22)}
.c-note strong{display:block;color:var(--amber);font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:.4rem}
.c-note p{margin:0;font-size:.93rem;color:rgba(255,255,255,.82)}

/* ---------- Inner pages ---------- */
.page-head{background:var(--white);padding:3.2rem 0 2.6rem;border-bottom:3px solid var(--navy)}
.page-head h1{font-size:clamp(1.8rem,3.6vw,2.7rem);color:var(--navy);margin:0 0 .9rem;max-width:22ch}
.steps{list-style:none;margin:0;padding:0;display:grid;gap:1rem}
.steps li{background:var(--white);border:1px solid rgba(18,44,91,.14);border-left:5px solid var(--navy);border-radius:10px;padding:1.3rem 1.4rem 1.4rem}
.step-n{display:inline-block;color:var(--amber);font-size:1.1rem;letter-spacing:.08em}
.steps h3{margin:.2rem 0 .4rem;color:var(--navy);font-size:1.12rem}
.steps p{margin:0;font-size:.97rem;color:rgba(26,26,26,.8)}
.faq{max-width:840px;margin:0 auto}
.faq details{background:var(--white);border:1px solid rgba(18,44,91,.16);border-radius:10px;padding:.95rem 1.2rem;margin-bottom:.7rem}
.faq summary{cursor:pointer;font-family:"IBM Plex Sans",sans-serif;font-weight:600;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--amber);font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq p{margin:.7rem 0 0;font-size:.97rem;color:rgba(26,26,26,.82)}
.center-cta{text-align:center;margin:2.2rem 0 0}
.legal{max-width:820px;margin-inline:auto;background:var(--white);border:1px solid rgba(18,44,91,.14);border-radius:14px;padding:2.2rem}
.legal h2{font-size:1.2rem;color:var(--navy);margin:1.8rem 0 .5rem;padding-left:.7rem;border-left:4px solid var(--amber)}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{font-size:.98rem;color:rgba(26,26,26,.84)}
.legal ul{padding-left:1.1rem}
.legal-back{margin-top:2rem}

/* ---------- Footer ---------- */
.site-footer{background:var(--navy);color:rgba(255,255,255,.82);padding:3rem 0 1.4rem;border-top:4px solid var(--amber)}
.foot-grid{display:grid;grid-template-columns:1.5fr 1fr 1.2fr;gap:2rem}
.foot-logo{font-size:1.25rem;color:#fff;margin:0 0 .6rem}
.foot-txt{margin:0 0 .7rem;font-size:.94rem}
.foot-txt.small{font-size:.82rem;color:rgba(255,255,255,.6)}
.foot-h{font-family:"IBM Plex Sans",sans-serif;font-weight:600;color:var(--amber);font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin:0 0 .7rem}
.foot-list{list-style:none;margin:0 0 1.3rem;padding:0;font-size:.94rem}
.foot-list li{margin-bottom:.4rem}
.foot-list a,.social a{color:rgba(255,255,255,.84);text-decoration:none}
.foot-list a:hover,.social a:hover{color:var(--amber)}
.social{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:.9rem}
.social a{display:inline-flex;align-items:center;gap:.35rem;font-size:.86rem}
.foot-bottom{display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem;margin-top:2rem;padding-top:1.1rem;border-top:1px solid rgba(255,255,255,.18);font-size:.84rem}
.foot-bottom p{margin:0}
.foot-bottom a{color:var(--amber)}

/* ---------- Responsive ---------- */
@media (max-width:1000px){
  .hero-grid{grid-template-columns:1fr}
  .tiles{grid-template-columns:repeat(2,1fr)}
  .quotes{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  .burger{display:block}
  .nav{position:absolute;left:0;right:0;top:100%;flex-direction:column;align-items:stretch;gap:0;background:var(--navy);border-bottom:3px solid var(--amber);padding:0 1.2rem;max-height:0;overflow:hidden;transition:max-height .25s ease}
  .nav.open{max-height:380px;padding:.8rem 1.2rem 1.3rem}
  .nav a{padding:.75rem 0;border-bottom:1px solid rgba(255,255,255,.14)}
  .nav a.btn{margin-top:.8rem;text-align:center}
}
@media (max-width:640px){
  body{font-size:16px}
  .section{padding:3rem 0}
  .cards,.tiles{grid-template-columns:1fr}
  .stats-bar{grid-template-columns:1fr}
  .stat{border-right:none;border-bottom:1px solid rgba(255,255,255,.14)}
  .stat:last-child{border-bottom:none}
  .f-row{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .legal{padding:1.4rem}
  .hero::before{display:none}
}