:root{--navy:#0d289b;--navy-deep:#0d164e;--navy-ink:#111f55;--footer:#001746;--yellow:#fdc70c;--pink:#e4008a;--bg:#f5f5f5;--card:#fff;--alt:#f6f8fb;--border:#e3e7ef;--text:#333;--muted:#555;--shadow:0 8px 24px rgba(32,58,110,.09),0 2px 6px rgba(32,58,110,.035);--gutter:clamp(16px,3vw,32px)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);font-family:Inter,system-ui,-apple-system,"Segoe UI",sans-serif;color:var(--text);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:Montserrat,Inter,system-ui,sans-serif;font-weight:700}
img,video{max-width:100%}
a{color:var(--navy)}a:hover{color:var(--navy-deep)}
button{font:inherit}
input:focus,select:focus,textarea:focus,button:focus-visible,a:focus-visible{outline:3px solid var(--yellow);outline-offset:2px}
.wrap{max-width:1300px;margin:0 auto}
.section{padding:88px var(--gutter);scroll-margin-top:10px}
.eyebrow{display:block;color:var(--pink);font-size:14px;font-weight:600;text-transform:uppercase;letter-spacing:.3px;margin-bottom:8px}
.eyebrow--y{color:var(--yellow)}
.h2{margin:0 0 12px;color:var(--navy);font-size:clamp(28px,3vw,36px);line-height:1.2}
.lead{margin:0;color:var(--muted);font-size:17px}
.center{text-align:center;max-width:720px;margin:0 auto 40px}
.btn{display:inline-flex;align-items:center;gap:10px;text-decoration:none;font-weight:600;font-size:16px;padding:14px 26px;border-radius:5px;border:2px solid transparent;cursor:pointer;transition:transform .15s,box-shadow .15s}
.btn:hover{transform:translateY(-1px);box-shadow:0 6px 16px rgba(13,22,78,.25)}
.btn--y{background:var(--yellow);color:#111}.btn--y:hover{color:#111}
.btn--ghost{background:transparent;color:#fff;border-color:#fff}.btn--ghost:hover{color:#fff}
.btn--outline{background:#fff;color:var(--navy);border-color:var(--navy);min-height:48px;padding:0 22px;font-size:15px}
.btn--navy{background:var(--navy);color:#fff;width:100%;justify-content:center;min-height:52px;font-weight:700}
.ico{width:22px;height:22px;flex:none}

/* hero */
.hero{position:relative;min-height:720px;background:var(--navy-deep);overflow:hidden;display:flex;flex-direction:column}
.hero video{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero__shade{position:absolute;inset:0;background:linear-gradient(100deg,rgba(13,22,78,.86) 0%,rgba(13,22,78,.56) 55%,rgba(13,40,155,.25) 100%)}
.header{position:relative;z-index:3;padding:18px var(--gutter)}
.header__row{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand img{height:52px;width:auto;display:block}
.brand__txt{display:flex;flex-direction:column;line-height:1.1;border-left:1px solid rgba(255,255,255,.35);padding-left:14px}
.brand__name{font-family:Montserrat,sans-serif;font-weight:800;font-size:18px;color:#fff;letter-spacing:.5px}
.brand__sub{font-size:11px;font-weight:600;letter-spacing:1.6px;color:var(--yellow);text-transform:uppercase}
.nav{display:flex;align-items:center;gap:26px;flex-wrap:wrap;font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.4px}
.nav a{color:#fff;text-decoration:none}.nav a:hover{color:var(--yellow)}
.header__cta{display:flex;align-items:center;gap:14px;flex-wrap:wrap}
.header__phone{display:flex;align-items:center;gap:8px;color:#fff;text-decoration:none;font-weight:600;font-size:14px}.header__phone:hover{color:var(--yellow)}
.header__cta .btn{font-size:13px;text-transform:uppercase;padding:11px 18px}
.hero__body{position:relative;z-index:2;flex:1 1 auto;padding:56px var(--gutter) 72px;display:flex;align-items:center}
.hero__grid{width:100%;display:flex;flex-wrap:wrap;gap:40px;align-items:flex-end;justify-content:space-between}
.hero__copy{flex:999 1 560px;min-width:0;max-width:700px}
.hero h1{margin:0 0 20px;color:#fff;font-size:clamp(36px,5vw,58px);line-height:1.08;letter-spacing:-1px}
.hero p.sub{margin:0 0 32px;color:rgba(255,255,255,.92);font-size:20px;line-height:1.55;max-width:600px}
.hero__btns{display:flex;gap:14px;flex-wrap:wrap}
.quick{flex:1 1 340px;max-width:420px;background:rgba(255,255,255,.97);border-radius:10px;padding:26px;box-shadow:0 20px 50px rgba(0,0,0,.3)}
.quick__t{margin:0 0 4px;font-family:Montserrat,sans-serif;font-weight:700;font-size:19px;color:var(--navy-deep)}
.quick__s{margin:0 0 18px;font-size:14px;color:var(--muted)}
.quick__grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:10px}
.pickbtn{display:flex;align-items:center;gap:10px;min-height:56px;padding:10px 12px;border:1.5px solid var(--border);border-radius:8px;background:#fff;cursor:pointer;font-size:14px;font-weight:600;color:var(--navy-ink);text-align:left;transition:border-color .15s}
.pickbtn:hover{border-color:var(--navy)}
.quick__note{display:flex;align-items:center;gap:10px;margin-top:18px;padding-top:16px;border-top:1px solid var(--border);font-size:13px;color:var(--muted)}

/* promise strip */
.strip{background:var(--navy);color:#fff;padding:0 var(--gutter)}
.strip__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}
.strip__item{display:flex;gap:14px;align-items:flex-start;padding:26px 20px 26px 0}
.strip__item svg{width:30px;height:30px;flex:none}
.strip__item b{display:block;font-family:Montserrat,sans-serif;font-size:15px}
.strip__item span{font-size:14px;color:rgba(255,255,255,.82)}

/* services */
.svc__head{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:flex-end;gap:20px;margin-bottom:40px}
.svc__head > div{max-width:680px}
.textlink{font-weight:600;color:var(--navy);text-decoration:none;display:inline-flex;gap:8px;align-items:center;background:none;border:none;padding:6px 0;cursor:pointer;font-size:15px;align-self:flex-start}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:24px}
.card{background:#fff;border-radius:10px;overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:0 14px 32px rgba(32,58,110,.16)}
.card img{width:100%;height:190px;object-fit:cover;display:block}
.card__b{padding:22px;display:flex;flex-direction:column;gap:10px;flex:1}
.card h3{margin:0;color:#123db5;font-size:19px}
.card p{margin:0;color:var(--muted);font-size:15px;flex:1}
.card--dark{background:var(--navy-deep);color:#fff}
.card--dark .card__b{padding:28px}
.card--dark h3{color:#fff}.card--dark p{color:rgba(255,255,255,.85)}.card--dark .textlink{color:var(--yellow)}
.card--accent{border-top:4px solid var(--yellow)}
.card__b--icon{padding:28px}
.badge{width:52px;height:52px;border-radius:50%;background:var(--navy);display:flex;align-items:center;justify-content:center}
.badge--soft{background:rgba(253,199,12,.15)}
.badge svg{width:26px;height:26px}

/* quote */
.quote{background:#fff;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.progress{list-style:none;margin:0 auto 32px;padding:0;max-width:860px;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:8px}
.progress li{display:flex;flex-direction:column;align-items:center;gap:8px;text-align:center}
.progress .bar{display:block;width:100%;height:4px;border-radius:2px;background:var(--border)}
.progress .lab{display:flex;align-items:center;gap:8px;font-size:13px;font-weight:600;color:#666}
.progress .dot{width:26px;height:26px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;font-size:12px;background:var(--border);color:var(--muted)}
.progress li.done .bar,.progress li.cur .bar{background:var(--navy)}
.progress li.done .lab,.progress li.cur .lab{color:var(--navy-deep)}
.progress li.done .dot{background:var(--navy);color:#fff}
.progress li.cur .dot{background:var(--yellow);color:#111}
.q__layout{display:flex;flex-wrap:wrap;gap:28px;align-items:flex-start}
.q__main{flex:999 1 560px;min-width:0;background:var(--alt);border:1px solid var(--border);border-radius:10px;padding:clamp(20px,3vw,36px)}
.q__main h3{margin:0 0 6px;color:var(--navy-deep);font-size:22px}
.q__main .hint{margin:0 0 22px;color:var(--muted);font-size:15px}
.types{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:14px}
.type{display:flex;flex-direction:column;align-items:flex-start;gap:8px;padding:18px;min-height:128px;text-align:left;border:2px solid var(--border);background:#fff;border-radius:10px;cursor:pointer;transition:border-color .15s,box-shadow .15s,background-color .15s}
.type:hover{border-color:var(--navy)}
.type.on{border-color:var(--navy);background:#eef2ff;box-shadow:0 0 0 4px rgba(13,40,155,.12)}
.type svg{width:30px;height:30px}
.type b{color:var(--navy-deep);font-size:16px}
.type span{font-size:13px;color:var(--muted);line-height:1.4}
.flabel{display:block;margin:0 0 10px;font-size:14px;font-weight:600;color:var(--navy-ink)}
.pills{display:flex;flex-wrap:wrap;gap:8px;margin-bottom:20px}
.pill{min-height:44px;padding:0 18px;border-radius:999px;border:1.5px solid #d5dbe7;background:#fff;color:var(--navy-ink);font-size:14px;font-weight:600;cursor:pointer}
.pill:hover{border-color:var(--navy)}
.pill.on{background:var(--navy);border-color:var(--navy);color:#fff}
.fields{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px;margin-bottom:16px}
.field label{display:block;font-size:14px;font-weight:600;color:var(--navy-ink);margin-bottom:6px}
.input{width:100%;height:48px;padding:0 14px;border:1.5px solid #d5dbe7;border-radius:6px;font:inherit;font-size:15px;color:var(--navy-ink);background:#fff}
textarea.input{height:auto;padding:12px 14px;resize:vertical}
.check{display:flex;align-items:center;gap:10px;min-height:48px;font-size:15px;color:var(--navy-ink);cursor:pointer}
.check input{width:20px;height:20px;accent-color:var(--navy)}
.extras{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:12px;margin-bottom:28px}
.extra{display:flex;align-items:center;gap:12px;min-height:56px;padding:12px 14px;text-align:left;border:2px solid var(--border);background:#fff;border-radius:8px;cursor:pointer;font-size:15px;font-weight:600;color:var(--navy-ink)}
.extra:hover{border-color:var(--navy)}
.extra .box{flex:none;width:22px;height:22px;border-radius:5px;border:2px solid #b8c1d4;background:#fff;display:inline-flex;align-items:center;justify-content:center}
.extra.on{border-color:var(--navy);background:#eef2ff}
.extra.on .box{border-color:var(--navy);background:var(--navy)}
.err{margin:20px 0 0;padding:12px 14px;border-radius:6px;background:#fff1f6;color:#9b0060;font-size:14px;font-weight:600}
.q__nav{display:flex;justify-content:space-between;align-items:center;gap:12px;margin-top:28px;flex-wrap:wrap}
.q__nav .btn--y{min-height:48px;padding:0 26px;font-size:15px;font-weight:700}
.q__side{flex:1 1 300px;min-width:0;background:var(--navy-deep);color:#fff;border-radius:10px;padding:26px}
.q__side .t{margin:0 0 16px;font-family:Montserrat,sans-serif;font-weight:700;font-size:18px}
.q__side dl{margin:0;display:grid;grid-template-columns:auto 1fr;gap:10px 14px;font-size:14px}
.q__side dt{color:rgba(255,255,255,.7)}.q__side dd{margin:0;font-weight:600;text-align:right}
.est{margin-top:22px;background:var(--navy);border-radius:8px;padding:18px}
.est .k{margin:0 0 12px;font-size:12px;font-weight:600;letter-spacing:1px;text-transform:uppercase;color:var(--yellow)}
.est__row{display:flex;gap:12px;align-items:center;margin-bottom:12px}
.est__row small{display:block;font-size:12px;color:rgba(255,255,255,.75)}
.est .note{margin:4px 0 0;font-size:12px;color:rgba(255,255,255,.75)}
.side-phone{margin-top:18px;display:flex;gap:10px;align-items:center;color:#fff;text-decoration:none;font-size:14px}.side-phone:hover{color:var(--yellow)}
.success{max-width:760px;margin:0 auto;background:var(--alt);border:1px solid var(--border);border-radius:10px;padding:40px;text-align:center}
.tick{width:64px;height:64px;border-radius:50%;background:var(--yellow);display:inline-flex;align-items:center;justify-content:center;margin-bottom:16px}
.success h3{margin:0 0 8px;color:var(--navy-deep);font-size:26px}
.success p{margin:0 0 6px;color:var(--muted)}
.mini{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:12px;text-align:left;margin:20px 0 26px}
.mini div{background:#fff;border-radius:8px;padding:14px;border:1px solid var(--border)}
.mini small{display:block;font-size:12px;color:#666}.mini b{color:var(--navy-ink)}

/* how */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.steps li{background:#fff;border-radius:10px;padding:28px;box-shadow:var(--shadow)}
.num{display:inline-flex;width:48px;height:48px;border-radius:50%;background:var(--navy);color:var(--yellow);align-items:center;justify-content:center;font-family:Montserrat,sans-serif;font-weight:800;font-size:18px;margin-bottom:16px}
.steps h3{margin:0 0 8px;color:#123db5;font-size:18px}.steps p{margin:0;color:var(--muted);font-size:15px}

/* why */
.why{background:var(--navy-ink);color:#fff}
.why__grid{display:flex;flex-wrap:wrap;gap:48px;align-items:center}
.why__img{flex:1 1 420px;min-width:0;position:relative}
.why__img img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:10px;display:block}
.why__tag{position:absolute;left:20px;bottom:-22px;background:var(--yellow);color:#111;border-radius:8px;padding:14px 18px;box-shadow:0 10px 24px rgba(0,0,0,.25);max-width:260px}
.why__tag b{display:block;font-family:Montserrat,sans-serif;font-size:15px}.why__tag span{font-size:13px}
.why__copy{flex:1 1 460px;min-width:0}
.why h2{margin:0 0 16px;color:#fff;font-size:clamp(28px,3vw,36px);line-height:1.2}
.why__copy > p{margin:0 0 26px;color:rgba(255,255,255,.85);font-size:17px}
.ticks{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px 24px}
.ticks li{display:flex;gap:12px}.ticks b{display:block}.ticks span span{color:rgba(255,255,255,.8);font-size:15px}

/* coverage */
.cov{display:flex;flex-wrap:wrap;gap:40px;align-items:center}
.cov > div{flex:1 1 440px;min-width:0}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin-top:22px}
.chips span{padding:8px 16px;border-radius:999px;background:#fff;border:1px solid var(--border);font-weight:600;color:var(--navy-ink);font-size:14px}
.pc{background:var(--navy);color:#fff;border-radius:10px;padding:32px}
.pc label{display:block;font-family:Montserrat,sans-serif;font-weight:700;font-size:20px;margin-bottom:6px}
.pc p{margin:0 0 16px;font-size:14px;color:rgba(255,255,255,.82)}
.pc__row{display:flex;gap:10px;flex-wrap:wrap}
.pc__row input{flex:1 1 200px;min-width:0;height:52px;padding:0 16px;border-radius:6px;border:2px solid transparent;font:inherit;font-size:16px;color:var(--navy-ink);text-transform:uppercase}
.pc__row .btn{height:52px;padding:0 24px;font-size:15px;font-weight:700}
.pc__res{margin-top:18px;display:flex;gap:12px;align-items:flex-start;border-radius:8px;padding:14px 16px;background:#fff;color:var(--navy-deep)}
.pc__res.bad{background:#fff1f6;color:#9b0060}.pc__res.maybe{background:#fff8dc}
.pc__res strong{font-size:20px;line-height:1}.pc__res p{margin:2px 0 0;font-size:14px;color:inherit}.pc__res b{display:block}

/* faq */
.faq{background:#fff;border-top:1px solid var(--border)}
.faq__list{max-width:900px;margin:0 auto;display:flex;flex-direction:column;gap:12px}
.faq details{border:1px solid var(--border);border-radius:8px;background:#fff;overflow:hidden}
.faq details[open]{background:var(--alt)}
.faq summary{list-style:none;display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:60px;padding:16px 20px;font-family:Montserrat,sans-serif;font-weight:700;font-size:16px;color:var(--navy-deep);cursor:pointer}
.faq summary::-webkit-details-marker{display:none}
.faq summary svg{flex:none;transition:transform .2s}
.faq details[open] summary svg{transform:rotate(180deg)}
.faq details p{margin:0;padding:0 20px 18px;color:var(--muted);font-size:15px}

/* cta */
.cta{position:relative;overflow:hidden;background:var(--navy);padding:80px var(--gutter)}
.cta img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.25}
.cta__in{position:relative;display:flex;flex-wrap:wrap;gap:28px;align-items:center;justify-content:space-between}
.cta h2{margin:0 0 10px;color:#fff;font-size:clamp(28px,3vw,38px);line-height:1.2}
.cta p{margin:0;color:rgba(255,255,255,.9);font-size:18px}

/* contact */
.contact{display:flex;flex-wrap:wrap;gap:40px}
.contact > div{flex:1 1 400px;min-width:0}
.clist{display:grid;gap:14px;margin-top:26px}
.clist a{display:flex;gap:14px;align-items:center;background:#fff;border-radius:10px;padding:16px 18px;text-decoration:none;box-shadow:var(--shadow)}
.clist .ic{width:44px;height:44px;border-radius:50%;background:rgba(253,199,12,.18);display:flex;align-items:center;justify-content:center;flex:none}
.clist small{display:block;font-size:13px;color:#666}.clist b{color:var(--navy-ink);font-size:17px;word-break:break-all}
.cb{background:#fff;border-radius:10px;padding:clamp(22px,3vw,36px);box-shadow:var(--shadow)}
.cb h3{margin:0 0 6px;color:var(--navy-deep);font-size:22px}
.cb .hint{margin:0 0 20px;color:var(--muted);font-size:15px}

/* footer */
.footer{background:var(--footer);color:#fff;padding:56px var(--gutter) 28px}
.footer__grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px}
.footer img{height:56px;width:auto;display:block;margin-bottom:14px}
.footer p{margin:0;color:rgba(255,255,255,.78);font-size:14px}
.footer .h{margin:0 0 12px;font-family:Montserrat,sans-serif;font-weight:700;color:var(--yellow);font-size:16px}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px;font-size:14px}
.footer a{color:rgba(255,255,255,.82);text-decoration:none}.footer a:hover{color:var(--yellow)}
.footer__base{margin-top:40px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15);display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:13px;color:rgba(255,255,255,.7)}

.sr{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
@media (max-width:980px){.nav{display:none}}
@media (max-width:640px){.progress .txt{display:none}.header__phone span{display:none}.hero{min-height:0}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}.card,.btn{transition:none}}