:root {
  --navy: #0b2545;
  --navy-2: #13315c;
  --blue: #1d6fd6;
  --blue-dark: #145bb0;
  --teal: #2bb0a4;
  --gold: #f4b740;
  --ink: #1a2233;
  --body: #43506a;
  --muted: #6b7891;
  --line: #e4e9f2;
  --bg: #ffffff;
  --bg-alt: #f4f7fc;
  --radius: 16px;
  --shadow: 0 10px 40px rgba(11, 37, 69, 0.10);
  --shadow-sm: 0 4px 18px rgba(11, 37, 69, 0.08);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: 'Inter', system-ui, -apple-system, sans-serif;
  color: var(--body);
  background: var(--bg);
  line-height: 1.65;
  font-size: 17px;
}
h1, h2, h3, h4, h5 { font-family: 'Poppins', sans-serif; color: var(--ink); line-height: 1.18; margin: 0 0 .5em; }
p { margin: 0 0 1em; }
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; }

.container { width: 100%; max-width: 1160px; margin: 0 auto; padding: 0 24px; }
.container.narrow { max-width: 820px; }

/* Top bar */
.topbar {
  background: var(--navy);
  color: #dfe8f5;
  text-align: center;
  font-size: 13.5px;
  letter-spacing: .3px;
  padding: 9px 16px;
  font-weight: 500;
}

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.94);
  backdrop-filter: saturate(180%) blur(10px);
  border-bottom: 1px solid var(--line);
}
.header-inner { display: flex; align-items: center; gap: 24px; height: 74px; }
.brand { display: flex; align-items: center; gap: 10px; font-family: 'Poppins'; font-weight: 800; font-size: 22px; color: var(--navy); text-decoration: none; }
.brand-mark { color: var(--teal); display: inline-flex; }
.brand-text { color: var(--navy); }
.brand-text span { color: var(--blue); }

.main-nav { display: flex; gap: 28px; margin-left: 12px; }
.main-nav a { color: var(--ink); font-weight: 600; font-size: 15.5px; }
.main-nav a:hover { color: var(--blue); text-decoration: none; }

.header-actions { display: flex; align-items: center; gap: 14px; margin-left: auto; }
.lang-toggle {
  border: 1.5px solid var(--line); background: #fff; border-radius: 30px;
  padding: 7px 14px; font-weight: 700; font-size: 14px; cursor: pointer;
  color: var(--navy); font-family: 'Poppins'; transition: .2s;
}
.lang-toggle:hover { border-color: var(--blue); }
.lang-divider { color: var(--muted); margin: 0 3px; }
.lang-toggle .lang-active { color: var(--blue); }

/* Buttons */
.btn { display: inline-flex; align-items: center; justify-content: center; gap: 9px;
  font-family: 'Poppins'; font-weight: 700; border-radius: 30px; cursor: pointer;
  padding: 12px 22px; font-size: 15.5px; transition: .2s; text-decoration: none; border: none; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-lg { padding: 15px 30px; font-size: 17px; }
.btn-primary { background: var(--blue); color: #fff; box-shadow: 0 8px 22px rgba(29,111,214,.32); }
.btn-primary:hover { background: var(--blue-dark); }
.btn-call { background: var(--teal); color: #fff; padding: 10px 18px; }
.btn-call:hover { background: #23968c; color: #fff; }
.btn-ghost { background: transparent; color: var(--navy); border: 1.5px solid var(--line); }
.btn-ghost:hover { border-color: var(--blue); color: var(--blue); }

/* Hero */
.hero { background: linear-gradient(160deg, #eaf2fd 0%, #f4f7fc 55%, #fff 100%); padding: 72px 0 84px; }
.hero-grid { display: grid; grid-template-columns: 1.15fr .85fr; gap: 54px; align-items: center; }
.eyebrow { display: inline-block; font-family: 'Poppins'; font-weight: 700; text-transform: uppercase;
  letter-spacing: 1.2px; font-size: 12.5px; color: var(--blue); background: #e3eefc;
  padding: 6px 14px; border-radius: 20px; margin-bottom: 18px; }
.hero-copy h1 { font-size: clamp(34px, 5vw, 52px); font-weight: 800; color: var(--navy); letter-spacing: -.5px; }
.lede { font-size: 19px; color: var(--body); max-width: 540px; margin-bottom: 28px; }
.hero-cta { display: flex; gap: 14px; flex-wrap: wrap; margin-bottom: 26px; }
.trust-row { list-style: none; display: flex; gap: 22px; flex-wrap: wrap; padding: 0; margin: 0; font-weight: 600; color: var(--navy); font-size: 15px; }

.hero-card { display: flex; justify-content: center; }
.quote-card { background: #fff; border-radius: 22px; box-shadow: var(--shadow); padding: 38px 34px; width: 100%; max-width: 380px; text-align: center; border: 1px solid var(--line); }
.quote-card h2 { font-size: 25px; color: var(--navy); }
.quote-card p { color: var(--muted); margin-bottom: 18px; }
.quote-phone { display: block; font-family: 'Poppins'; font-weight: 800; font-size: 30px; color: var(--blue); margin-bottom: 4px; }
.quote-phone:hover { text-decoration: none; color: var(--blue-dark); }
.quote-hours { display: block; font-size: 14px; color: var(--muted); margin-bottom: 22px; }
.quote-badges { display: flex; justify-content: center; gap: 14px; flex-wrap: wrap; font-size: 13.5px; font-weight: 600; color: var(--navy); }
.quote-badges span { background: var(--bg-alt); padding: 7px 12px; border-radius: 12px; }

/* Sections */
.section { padding: 78px 0; }
.section-alt { background: var(--bg-alt); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 48px; }
.section-head h2 { font-size: clamp(28px, 4vw, 40px); color: var(--navy); }
.section-head .eyebrow { margin-bottom: 14px; }

.cards-2 { display: grid; grid-template-columns: 1fr 1fr; gap: 28px; }
.cards-3 { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }

.product-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 36px 32px; box-shadow: var(--shadow-sm); }
.product-icon { font-size: 40px; margin-bottom: 14px; }
.product-card h3 { font-size: 24px; color: var(--navy); }
.product-card ul { list-style: none; padding: 0; margin: 18px 0 0; }
.product-card li { padding: 9px 0 9px 30px; position: relative; border-top: 1px solid var(--line); font-weight: 500; color: var(--ink); }
.product-card li::before { content: "✓"; position: absolute; left: 0; color: var(--teal); font-weight: 800; }

/* Steps */
.steps { display: grid; grid-template-columns: repeat(3, 1fr); gap: 26px; }
.step { background: #fff; border-radius: var(--radius); padding: 34px 28px; text-align: center; box-shadow: var(--shadow-sm); border: 1px solid var(--line); }
.step-num { display: inline-flex; align-items: center; justify-content: center; width: 52px; height: 52px; border-radius: 50%; background: var(--blue); color: #fff; font-family: 'Poppins'; font-weight: 800; font-size: 22px; margin-bottom: 16px; }
.step h3 { font-size: 20px; color: var(--navy); }

/* Features */
.feature { text-align: center; padding: 20px; }
.feature-icon { font-size: 42px; margin-bottom: 12px; }
.feature h3 { font-size: 20px; color: var(--navy); }

/* FAQ */
.faq-list details { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 4px 22px; margin-bottom: 14px; box-shadow: var(--shadow-sm); }
.faq-list summary { font-family: 'Poppins'; font-weight: 600; font-size: 17px; color: var(--navy); cursor: pointer; padding: 18px 0; list-style: none; position: relative; padding-right: 30px; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; position: absolute; right: 0; top: 15px; font-size: 24px; color: var(--blue); font-weight: 400; }
.faq-list details[open] summary::after { content: "–"; }
.faq-list details p { padding-bottom: 18px; margin: 0; color: var(--body); }

/* CTA band */
.cta-band { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-2) 100%); color: #fff; padding: 64px 0; text-align: center; }
.cta-band h2 { color: #fff; font-size: clamp(26px, 4vw, 36px); }
.cta-inner p { color: #cdd9ec; font-size: 18px; margin-bottom: 26px; }

/* Footer */
.site-footer { background: #081b33; color: #b9c6da; padding: 60px 0 30px; font-size: 15px; }
.footer-top { display: grid; grid-template-columns: 1.6fr 1fr 1fr; gap: 40px; padding-bottom: 40px; border-bottom: 1px solid rgba(255,255,255,.12); }
.footer-brand .brand-text { font-family: 'Poppins'; font-weight: 800; font-size: 22px; color: #fff; }
.footer-brand .brand-text span { color: var(--teal); }
.footer-brand p { margin-top: 12px; max-width: 340px; color: #96a6bf; }
.footer-contact a { color: var(--teal); }
.footer-links { display: flex; flex-direction: column; gap: 10px; }
.footer-links h4 { color: #fff; font-size: 15px; text-transform: uppercase; letter-spacing: .8px; margin-bottom: 6px; }
.footer-links a { color: #b9c6da; }
.footer-links a:hover { color: #fff; }

.disclosure { padding: 30px 0 10px; border-bottom: 1px solid rgba(255,255,255,.12); }
.disclosure h5 { color: #8ea2bd; font-size: 13px; text-transform: uppercase; letter-spacing: 1px; margin-bottom: 14px; }
.disclosure p { font-size: 12.5px; line-height: 1.7; color: #869ab7; margin-bottom: 12px; }
.disclosure strong { color: #cfdbec; }

.footer-bottom { padding-top: 24px; text-align: center; font-size: 13px; color: #7688a3; }

/* Legal pages */
.legal-page { padding: 60px 0 80px; }
.legal-page h1 { font-size: 38px; color: var(--navy); margin-bottom: 8px; }
.legal-updated { color: var(--muted); font-size: 15px; margin-bottom: 32px; }
.legal-page h2 { font-size: 22px; color: var(--navy); margin-top: 34px; }
.legal-page p, .legal-page li { color: var(--body); }
.legal-page ul { padding-left: 22px; }

/* Responsive */
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; gap: 40px; }
  .cards-2, .cards-3, .steps, .footer-top { grid-template-columns: 1fr; }
  .main-nav { display: none; }
}
@media (max-width: 560px) {
  body { font-size: 16px; }
  .header-inner { height: 64px; gap: 12px; }
  .btn-call span { display: none; }
  .footer-top { grid-template-columns: 1fr; }
  .hero { padding: 48px 0 56px; }
}