:root {
  --navy: #102a43;
  --gold: #f5b700;
  --charcoal: #2f3437;
  --steel: #eef3f7;
  --red: #d62828;
  --white: #ffffff;
  --ink: #172026;
  --line: #d9e3ea;
  --green: #1f7a5a;
  --shadow: 0 18px 45px rgba(16, 42, 67, 0.14);
}

* {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
}

body {
  margin: 0;
  color: var(--ink);
  font-family: Inter, Arial, sans-serif;
  line-height: 1.6;
  background: var(--white);
}

img {
  display: block;
  max-width: 100%;
}

a {
  color: inherit;
}

h1,
h2,
h3 {
  margin: 0 0 14px;
  color: var(--navy);
  font-family: Montserrat, Inter, sans-serif;
  line-height: 1.08;
  letter-spacing: 0;
}

h1 {
  max-width: 760px;
  font-size: clamp(2.3rem, 6vw, 4.8rem);
}

h2 {
  font-size: clamp(1.7rem, 3vw, 3rem);
}

h3 {
  font-size: 1.18rem;
}

p {
  margin: 0 0 18px;
}

.site-header {
  position: sticky;
  z-index: 20;
  top: 0;
  display: grid;
  grid-template-columns: auto 1fr auto;
  gap: 24px;
  align-items: center;
  padding: 14px clamp(18px, 4vw, 56px);
  border-bottom: 1px solid var(--line);
  background: rgba(255, 255, 255, 0.96);
  backdrop-filter: blur(12px);
}

.brand {
  display: inline-flex;
  gap: 10px;
  align-items: center;
  min-width: max-content;
  text-decoration: none;
}

.brand-name {
  display: block;
  color: var(--navy);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 1rem;
  line-height: 1;
  font-weight: 800;
}

.brand small {
  display: block;
  color: #5d6c76;
  font-size: 0.76rem;
}

.brand-mark {
  flex: 0 0 56px;
  width: 56px;
  height: 56px;
  max-width: 56px;
  max-height: 56px;
  border-radius: 10px;
  background: var(--navy);
  overflow: hidden;
}

.brand-mark img {
  display: block;
  width: 100%;
  height: 100%;
  max-width: 100%;
  max-height: 100%;
  object-fit: contain;
  padding: 2px;
}

.site-footer .brand-mark,
.site-footer .brand-mark img {
  width: 64px;
  height: 64px;
}

.site-nav {
  display: flex;
  gap: clamp(10px, 1.2vw, 18px);
  justify-content: center;
  align-items: center;
  color: var(--charcoal);
  font-size: 0.94rem;
  font-weight: 700;
}

.nav-menu {
  position: relative;
}

.nav-menu summary {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  list-style: none;
  cursor: pointer;
}

.nav-menu summary::-webkit-details-marker {
  display: none;
}

.nav-menu summary::after {
  margin-left: 6px;
  color: #6b7882;
  font-size: 0.75rem;
  content: "v";
}

.nav-panel {
  position: absolute;
  z-index: 30;
  top: calc(100% + 6px);
  left: 0;
  display: grid;
  min-width: 280px;
  gap: 8px;
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.nav-menu:not([open]) > .nav-panel {
  display: none;
}

.nav-panel-wide {
  left: 50%;
  grid-template-columns: repeat(3, minmax(190px, 1fr));
  width: min(760px, calc(100vw - 36px));
  transform: translateX(-50%);
}

.nav-panel strong {
  display: block;
  margin: 0 0 6px;
  color: var(--navy);
  font-size: 0.78rem;
  text-transform: uppercase;
}

.nav-panel a {
  display: block;
  padding: 5px 0;
  line-height: 1.25;
  white-space: normal;
}

.site-nav a,
.site-footer a,
.text-link {
  text-decoration: none;
}

.site-nav a:hover,
.site-footer a:hover,
.text-link:hover {
  color: var(--red);
}

.header-call,
.btn {
  display: inline-flex;
  justify-content: center;
  align-items: center;
  min-height: 48px;
  padding: 12px 18px;
  border: 2px solid transparent;
  border-radius: 7px;
  font-weight: 800;
  line-height: 1.15;
  text-align: center;
  text-decoration: none;
  cursor: pointer;
}

.header-call,
.btn.primary {
  color: #14212a;
  background: var(--gold);
}

.btn.secondary {
  border-color: var(--navy);
  color: var(--navy);
  background: var(--white);
}

.nav-toggle {
  display: none;
}

.hero {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(360px, 0.82fr);
  gap: clamp(28px, 5vw, 76px);
  align-items: center;
  padding: clamp(44px, 7vw, 100px) clamp(18px, 4vw, 56px) 42px;
  background: linear-gradient(180deg, #ffffff 0%, #f6f9fb 100%);
}

.hero-copy {
  max-width: 790px;
}

.eyebrow {
  margin: 0 0 12px;
  color: var(--green);
  font-size: 0.78rem;
  font-weight: 900;
  letter-spacing: 0.08em;
  text-transform: uppercase;
}

.hero-text {
  max-width: 690px;
  color: #44515b;
  font-size: clamp(1rem, 2vw, 1.2rem);
}

.hero-actions {
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin: 26px 0 20px;
}

.trust-list {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px 18px;
  max-width: 720px;
  padding: 0;
  margin: 0;
  list-style: none;
  color: #34454f;
  font-weight: 700;
}

.trust-list li::before {
  margin-right: 8px;
  color: var(--gold);
  content: "+";
}

.hero-visual {
  position: relative;
  margin: 0;
}

.hero-visual img {
  width: 100%;
  aspect-ratio: 4 / 3;
  object-fit: cover;
  border-radius: 8px;
  box-shadow: var(--shadow);
}

.answer-hero {
  padding: clamp(34px, 6vw, 76px) clamp(18px, 4vw, 56px);
  background: #f6f9fb;
}

.quick-answer-box {
  max-width: 980px;
  padding: clamp(22px, 4vw, 36px);
  border-left: 5px solid var(--gold);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.quick-answer-box h1 {
  font-size: clamp(1.9rem, 4vw, 3.4rem);
}

.quick-answer-box p:last-child {
  margin-bottom: 0;
  font-size: clamp(1.02rem, 2vw, 1.24rem);
}

.trust-bar {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 1px;
  padding: 0 clamp(18px, 4vw, 56px);
  background: var(--navy);
}

.trust-bar span {
  padding: 18px;
  color: var(--white);
  background: rgba(255, 255, 255, 0.07);
  font-weight: 800;
  text-align: center;
}

.section {
  padding: clamp(46px, 6vw, 86px) clamp(18px, 4vw, 56px);
}

.section-head {
  max-width: 850px;
  margin-bottom: 30px;
}

.wide-copy {
  max-width: 920px;
  font-size: 1.08rem;
}

.split,
.two-col {
  display: grid;
  grid-template-columns: minmax(300px, 0.9fr) minmax(0, 1fr);
  gap: clamp(28px, 5vw, 68px);
  align-items: start;
}

.band {
  background: var(--steel);
}

.quote-form {
  display: grid;
  gap: 14px;
  padding: clamp(20px, 3vw, 30px);
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
  box-shadow: var(--shadow);
}

.form-head h2 {
  font-size: clamp(1.35rem, 2vw, 1.8rem);
}

.quote-form-stepped .form-head p:last-child {
  margin-bottom: 0;
}

.step-dots {
  display: flex;
  gap: 8px;
  justify-content: center;
}

.step-dots span {
  width: 38px;
  height: 5px;
  border-radius: 999px;
  background: #ccd8e1;
}

.step-dots span.is-active,
.step-dots span.is-complete {
  background: var(--gold);
}

.form-step {
  display: grid;
  gap: 14px;
}

.form-step[hidden] {
  display: none;
}

.form-nudge {
  padding: 10px 12px;
  border: 1px solid #d7e7dc;
  border-radius: 6px;
  color: #185c43;
  font-size: 0.9rem;
  font-weight: 700;
  background: #f2fbf6;
}

.choice-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 10px;
}

.choice-grid button {
  min-height: 54px;
  padding: 10px 12px;
  border: 2px solid var(--line);
  border-radius: 7px;
  color: var(--navy);
  font: inherit;
  font-weight: 800;
  text-align: left;
  background: var(--white);
  cursor: pointer;
}

.choice-grid button:hover,
.choice-grid button.is-selected {
  border-color: var(--gold);
  background: #fff8df;
}

.form-actions {
  display: grid;
  grid-template-columns: minmax(110px, 0.42fr) minmax(0, 1fr);
  gap: 10px;
}

.optional {
  color: #6b7882;
  font-size: 0.78rem;
  font-weight: 700;
}

.form-message {
  padding: 10px 12px;
  border: 1px solid #d7e7dc;
  border-radius: 6px;
  color: #185c43;
  font-weight: 800;
  background: #f2fbf6;
}

label {
  display: grid;
  gap: 6px;
  color: var(--charcoal);
  font-weight: 800;
}

input,
select,
textarea {
  width: 100%;
  min-height: 46px;
  padding: 10px 12px;
  border: 1px solid #b9c7d1;
  border-radius: 6px;
  color: var(--ink);
  font: inherit;
  background: var(--white);
}

textarea {
  resize: vertical;
}

.field-grid {
  display: grid;
  grid-template-columns: repeat(2, minmax(0, 1fr));
  gap: 12px;
}

.consent {
  color: #61707a;
  font-size: 0.82rem;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(4, minmax(0, 1fr));
  gap: 16px;
}

.card {
  position: relative;
  display: flex;
  flex-direction: column;
  padding: 22px 22px 20px;
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--white);
  box-shadow: 0 4px 14px rgba(16, 42, 67, 0.04);
  transition: transform 0.18s ease, box-shadow 0.18s ease, border-color 0.18s ease;
}

.card::before {
  content: "";
  display: block;
  position: absolute;
  top: 0;
  left: 0;
  width: 100%;
  height: 3px;
  background: var(--gold);
  transform: scaleX(0.25);
  transform-origin: left center;
  transition: transform 0.22s ease;
}

.card:hover {
  border-color: var(--navy);
  box-shadow: 0 18px 38px rgba(16, 42, 67, 0.14);
  transform: translateY(-2px);
}

.card:hover::before {
  transform: scaleX(1);
}

.card h2,
.card h3 {
  margin: 0 0 10px;
  color: var(--navy);
  font-size: clamp(1.02rem, 1.15vw, 1.28rem);
  font-weight: 800;
  line-height: 1.22;
}

.card p {
  flex: 1 1 auto;
  margin: 0 0 14px;
  color: #40515b;
  font-size: 0.96rem;
}

.card a {
  display: inline-flex;
  align-items: center;
  gap: 6px;
  align-self: flex-start;
  margin-top: auto;
  color: var(--navy);
  font-weight: 800;
  text-decoration: none;
  transition: color 0.16s ease;
}

.card a::after {
  content: "->";
  display: inline-block;
  color: var(--gold);
  font-weight: 800;
  transition: transform 0.16s ease;
}

.card a:hover {
  color: var(--gold);
}

.card a:hover::after {
  transform: translateX(3px);
}

.trust-cards {
  display: grid;
  gap: 14px;
  margin-top: 24px;
}

.trust-card {
  padding: 18px 20px;
  border: 1px solid var(--line);
  border-left: 4px solid var(--gold);
  border-radius: 8px;
  background: var(--white);
  box-shadow: 0 4px 12px rgba(16, 42, 67, 0.04);
}

.trust-card h3 {
  margin: 0 0 10px;
  color: var(--navy);
  font-size: 1rem;
  font-weight: 800;
}

.trust-card p {
  margin: 0 0 10px;
  color: #40515b;
  font-size: 0.94rem;
}

.trust-card .mini-list {
  margin-top: 10px;
}

.check-list {
  margin: 0;
  padding: 0;
  list-style: none;
}

.check-list li {
  position: relative;
  padding: 4px 0 4px 24px;
  color: #2f3437;
  font-size: 0.94rem;
}

.check-list li::before {
  content: "";
  position: absolute;
  top: 11px;
  left: 0;
  width: 8px;
  height: 8px;
  border-radius: 999px;
  background: var(--green);
  color: var(--green);
  font-weight: 900;
}

.steps.compact {
  gap: 6px;
  padding-left: 18px;
  font-size: 0.92rem;
  font-weight: 600;
}

.steps.compact li {
  color: #40515b;
}

.mini-list,
.link-grid {
  display: flex;
  flex-wrap: wrap;
  gap: 10px;
  margin-top: 18px;
}

.mini-list span,
.link-grid a,
.link-grid span {
  display: inline-flex;
  align-items: center;
  min-height: 42px;
  padding: 8px 12px;
  border: 1px solid var(--line);
  border-radius: 6px;
  color: var(--navy);
  background: var(--white);
  font-weight: 800;
  text-decoration: none;
}

.location-card {
  max-width: 420px;
  margin-top: 24px;
  padding: 18px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.location-card h3 {
  margin-bottom: 8px;
}

.location-card p {
  margin-bottom: 8px;
  color: #40515b;
}

.location-card a {
  color: var(--red);
  font-weight: 900;
  text-decoration: none;
}

.map-embed {
  overflow: hidden;
  border: 1px solid var(--line);
  border-radius: 10px;
  background: var(--steel);
  box-shadow: 0 8px 24px rgba(16, 42, 67, 0.08);
}

.map-embed iframe {
  display: block;
  width: 100%;
  min-height: 380px;
}

.steps {
  display: grid;
  gap: 12px;
  padding-left: 22px;
  font-weight: 700;
}

.faq {
  max-width: 1050px;
  margin: 0 auto;
}

details {
  border-top: 1px solid var(--line);
}

details:last-child {
  border-bottom: 1px solid var(--line);
}

summary {
  padding: 20px 0;
  color: var(--navy);
  font-weight: 900;
  cursor: pointer;
}

details p {
  max-width: 860px;
  color: #40515b;
}

.final-cta {
  color: var(--white);
  background: var(--navy);
  text-align: center;
}

.final-cta h2,
.final-cta p {
  color: var(--white);
}

.site-footer {
  position: relative;
  padding: 56px clamp(18px, 4vw, 56px) 0;
  color: #c4d2dc;
  background: var(--navy);
}

.footer-top {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: clamp(24px, 4vw, 56px);
  padding-bottom: 40px;
}

.site-footer h2 {
  margin: 0 0 16px;
  color: var(--white);
  font-size: 0.78rem;
  font-weight: 800;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}

.site-footer .footer-brand {
  align-items: flex-start;
  margin-bottom: 16px;
}

.site-footer .footer-brand .brand-mark {
  flex: 0 0 64px;
  width: 64px;
  height: 64px;
  background: rgba(255, 255, 255, 0.06);
}

.site-footer .footer-brand .brand-name {
  display: block;
  color: var(--white);
  font-family: Montserrat, Inter, Arial, sans-serif;
  font-size: 1.18rem;
  font-weight: 800;
  letter-spacing: 0.02em;
}

.site-footer .footer-brand small {
  display: block;
  margin-top: 2px;
  color: var(--gold);
  font-size: 0.78rem;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
}

.footer-blurb {
  margin: 0 0 18px;
  color: #b7c5cf;
  font-size: 0.92rem;
  line-height: 1.55;
}

.footer-contact {
  display: flex;
  flex-wrap: wrap;
  gap: 8px;
  margin-top: 12px;
}

.footer-contact a {
  display: inline-flex;
  align-items: center;
  gap: 8px;
  padding: 10px 16px;
  border-radius: 8px;
  color: var(--navy) !important;
  background: var(--gold);
  font-weight: 800;
  font-size: 0.92rem;
}

.footer-contact a.secondary {
  color: var(--white) !important;
  background: rgba(255, 255, 255, 0.08);
  border: 1px solid rgba(255, 255, 255, 0.18);
}

.footer-contact a:hover {
  filter: brightness(0.95);
}

.site-footer .footer-col a {
  display: block;
  margin-bottom: 10px;
  color: #c4d2dc;
  font-size: 0.92rem;
  font-weight: 600;
  text-decoration: none;
  transition: color 0.15s ease;
}

.site-footer .footer-col a:hover {
  color: var(--gold);
}

.footer-markets {
  margin: 0 0 14px;
  color: #c4d2dc;
  font-size: 0.9rem;
  line-height: 1.55;
}

.footer-bottom {
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  align-items: center;
  gap: 16px;
  padding: 22px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  color: #8595a1;
  font-size: 0.82rem;
}

.footer-bottom p {
  margin: 0;
}

.footer-bottom .footer-fineprint {
  max-width: 720px;
  color: #8595a1;
}

.footer-bottom .footer-legal {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
}

.footer-bottom .footer-legal a {
  color: #b7c5cf;
  text-decoration: none;
  font-weight: 600;
}

.footer-bottom .footer-legal a:hover {
  color: var(--gold);
}

.decision-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 18px;
}

.decision-grid article {
  padding: 22px;
  border: 1px solid var(--line);
  border-radius: 8px;
  background: var(--white);
}

.decision-fit {
  background: #fff8df;
}

.kg-band {
  position: relative;
  overflow: hidden;
  background:
    linear-gradient(135deg, rgba(16, 42, 67, 0.04), rgba(31, 122, 90, 0.08)),
    #f7faf8;
}

.kg-band .section-head {
  max-width: 780px;
}

.kg-list {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 12px;
  max-width: 1180px;
  padding: 0;
  margin: 0;
  list-style: none;
  counter-reset: kg-fact;
}

.kg-list li {
  position: relative;
  display: flex;
  min-height: 92px;
  padding: 18px 18px 18px 54px;
  border: 1px solid rgba(16, 42, 67, 0.12);
  border-radius: 8px;
  color: #34454f;
  background: rgba(255, 255, 255, 0.88);
  box-shadow: 0 10px 26px rgba(16, 42, 67, 0.06);
  font-weight: 700;
  line-height: 1.42;
  counter-increment: kg-fact;
}

.kg-list li::before {
  content: counter(kg-fact, decimal-leading-zero);
  position: absolute;
  top: 18px;
  left: 18px;
  color: var(--green);
  font-family: Montserrat, Inter, sans-serif;
  font-size: 0.78rem;
  font-weight: 800;
  line-height: 1;
}

.kg-list li::after {
  content: "";
  position: absolute;
  top: 38px;
  left: 18px;
  width: 22px;
  height: 3px;
  border-radius: 999px;
  background: var(--gold);
}

.kg-list li span {
  align-self: center;
}

.query-intro,
.inline-answer {
  max-width: 900px;
  color: #34454f;
  font-size: 1.04rem;
}

.mobile-stick {
  display: none;
}

@media (max-width: 1060px) {
  .site-header {
    grid-template-columns: auto auto auto;
  }

  .site-nav {
    position: absolute;
    top: 72px;
    right: 18px;
    left: 18px;
    display: none;
    padding: 18px;
    border: 1px solid var(--line);
    border-radius: 8px;
    background: var(--white);
    box-shadow: var(--shadow);
  }

  .site-nav.is-open {
    display: grid;
  }

  .nav-menu summary {
    min-height: 34px;
  }

  .nav-panel,
  .nav-panel-wide {
    position: static;
    width: auto;
    min-width: 0;
    padding: 8px 0 8px 14px;
    border: 0;
    box-shadow: none;
    transform: none;
  }

  .nav-panel-wide {
    grid-template-columns: 1fr;
  }

  .nav-toggle {
    display: inline-flex;
    justify-self: end;
    min-height: 42px;
    padding: 9px 12px;
    border: 1px solid var(--line);
    border-radius: 6px;
    background: var(--white);
    font-weight: 900;
  }

  .hero,
  .split,
  .two-col,
  .site-footer,
  .footer-top {
    grid-template-columns: 1fr;
  }

  .footer-bottom {
    flex-direction: column;
    align-items: flex-start;
  }

  .hero {
    padding-top: 34px;
  }

  .hero-visual {
    max-width: 680px;
  }

  .trust-bar,
  .card-grid,
  .decision-grid,
  .kg-list {
    grid-template-columns: repeat(2, minmax(0, 1fr));
  }
}

@media (max-width: 680px) {
  .site-header {
    grid-template-columns: 1fr auto;
    gap: 12px;
  }

  .header-call {
    display: none;
  }

  .brand small {
    display: none;
  }

  .hero-actions,
  .trust-list,
  .field-grid,
  .choice-grid,
  .form-actions,
  .trust-bar,
  .card-grid,
  .decision-grid,
  .kg-list {
    grid-template-columns: 1fr;
  }

  .kg-list li {
    min-height: auto;
  }

  .hero-actions {
    display: grid;
  }

  .hero-visual img {
    aspect-ratio: 1 / 1;
  }

  .trust-list {
    display: grid;
  }

  .trust-bar {
    display: grid;
    padding: 0;
  }

  .card {
    min-height: auto;
  }

  .mobile-stick {
    position: fixed;
    z-index: 30;
    right: 14px;
    bottom: 14px;
    left: 14px;
    display: block;
  }

  .mobile-stick a {
    display: flex;
    justify-content: center;
    min-height: 52px;
    padding: 14px;
    border-radius: 7px;
    color: #14212a;
    background: var(--gold);
    box-shadow: var(--shadow);
    font-weight: 900;
    text-decoration: none;
  }
}