:root{--navy:#0b2545;--navy-2:#13315c;--orange:#f6863a;--orange-2:#ea6f1a;--ink:#1a2238;--muted:#5a6a82;--bg:#f6f8fb;--white:#fff;--line:#e5ebf3;--radius:10px}
*{box-sizing:border-box}html,body{margin:0;padding:0}
body{font-family:'Inter','Helvetica Neue',Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy-2);text-decoration:none}a:hover{color:var(--orange-2)}
.container{max-width:1180px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-family:'Poppins','Inter',sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.5rem,3vw,2.2rem);font-weight:700;margin-top:0}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.skip{position:absolute;left:-9999px}.skip:focus{left:8px;top:8px;background:var(--orange);color:#fff;padding:8px;z-index:9999}

/* Header */
.site-header{position:sticky;top:0;z-index:1000;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 1px 3px rgba(0,0,0,.04)}
.header-inner{display:flex;align-items:center;gap:20px;min-height:72px}
.logo img{height:44px;width:auto}
.primary-nav{flex:1;display:flex;justify-content:center}
.nav-menu{list-style:none;margin:0;padding:0;display:flex;gap:6px;align-items:center}
.nav-menu>li{position:relative}
.nav-menu>li>a{display:block;padding:10px 12px;color:var(--navy);font-weight:600;font-size:.95rem;border-radius:6px}
.nav-menu>li>a:hover{background:var(--bg);color:var(--orange-2)}
.submenu{position:absolute;left:0;top:100%;background:#fff;border:1px solid var(--line);border-radius:8px;min-width:260px;padding:8px;display:none;list-style:none;margin:0;box-shadow:0 8px 24px rgba(15,30,60,.12);z-index:1100}
.has-sub:hover>.submenu,.has-sub:focus-within>.submenu,.has-sub.open>.submenu{display:block}
.submenu a{display:block;padding:8px 12px;border-radius:6px;color:var(--ink);font-size:.92rem}
.submenu a:hover{background:var(--bg);color:var(--orange-2)}
.header-cta{display:flex;align-items:center;gap:12px}
.phone-link{font-weight:700;color:var(--navy);white-space:nowrap}
.btn{display:inline-block;padding:12px 20px;border-radius:8px;font-weight:700;font-size:.95rem;border:2px solid transparent;cursor:pointer;transition:all .15s ease;text-align:center}
.btn-primary{background:var(--orange);color:#fff;border-color:var(--orange)}
.btn-primary:hover{background:var(--orange-2);border-color:var(--orange-2);color:#fff}
.btn-accent{background:#fff;color:var(--navy);border-color:#fff}
.btn-accent:hover{background:var(--orange);color:#fff;border-color:var(--orange)}
.btn-outline{background:transparent;color:#fff;border-color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.nav-toggle{display:none;background:none;border:0;width:40px;height:40px;flex-direction:column;justify-content:center;gap:5px;cursor:pointer}
.nav-toggle span{display:block;height:3px;background:var(--navy);border-radius:2px}
.mobile-sticky-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:var(--orange);color:#fff;text-align:center;padding:14px;font-weight:700;z-index:990;box-shadow:0 -2px 8px rgba(0,0,0,.15)}

/* Hero */
.hero{position:relative;background:linear-gradient(135deg,rgba(11,37,69,.85),rgba(19,49,92,.7)),url('/assets/images/hero.jpg') center/cover no-repeat;color:#fff;padding:90px 0 100px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.2rem;max-width:760px;margin-bottom:28px;color:#e6ecf5}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px}
.trust-row{margin-top:36px;display:flex;flex-wrap:wrap;gap:24px;color:#cfd8e6;font-weight:600}
.trust-row span::before{content:"✓ ";color:var(--orange)}

/* Sections */
section{padding:64px 0}
.section-light{background:var(--bg)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(15,30,60,.08)}
.card img{border-radius:8px;margin-bottom:14px;aspect-ratio:16/10;object-fit:cover;width:100%}
.card h3{margin-bottom:8px}
.card a.more{color:var(--orange-2);font-weight:700}

/* CTA band */
.cta-band{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;text-align:center;padding:60px 0}
.cta-band h2{color:#fff}.cta-band p{font-size:1.1rem;opacity:.92;max-width:680px;margin:0 auto 24px}
.cta-actions{display:flex;justify-content:center;flex-wrap:wrap;gap:14px}

/* Quote form */
.quote-form{background:var(--bg)}
.quote-form form{background:#fff;padding:30px;border-radius:var(--radius);border:1px solid var(--line);max-width:900px}
.quote-form label{display:block;font-weight:600;margin-bottom:14px;color:var(--navy);font-size:.92rem}
.quote-form input,.quote-form select,.quote-form textarea{display:block;width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:8px;font:inherit;margin-top:6px;background:#fff}
.grid-2{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.quote-form button{margin-top:8px}

/* FAQ */
.faq-list{display:flex;flex-direction:column;gap:10px;max-width:900px}
.faq-item{background:#fff;border:1px solid var(--line);border-radius:8px;padding:0}
.faq-item summary{padding:16px 20px;font-weight:700;cursor:pointer;color:var(--navy);list-style:none;position:relative}
.faq-item summary::after{content:"+";position:absolute;right:20px;top:14px;font-size:1.4rem;color:var(--orange)}
.faq-item[open] summary::after{content:"−"}
.faq-item div{padding:0 20px 18px;color:var(--muted)}

/* Footer */
.site-footer{background:#0a1a2e;color:#cbd5e1;padding:60px 0 20px;font-size:.95rem}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:14px}
.site-footer a{color:#cbd5e1}.site-footer a:hover{color:var(--orange)}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:36px}
.footer-grid ul{list-style:none;padding:0;margin:0}
.footer-grid li{margin-bottom:6px}
.footer-grid address{font-style:normal;line-height:1.7;margin-top:12px}
.footer-bottom{display:flex;justify-content:space-between;padding-top:24px;margin-top:32px;border-top:1px solid #1c2e4a;flex-wrap:wrap;gap:10px}

/* Related */
.related{background:var(--bg)}
.related-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.related h3{font-size:1rem;color:var(--navy)}
.related ul{list-style:none;padding:0;margin:0}.related li{padding:5px 0}

/* Article body */
.article{padding:60px 0}
.article-inner{max-width:860px;margin:0 auto}
.article img.hero-img{border-radius:var(--radius);margin-bottom:28px;width:100%;aspect-ratio:16/9;object-fit:cover}
.article h2{margin-top:1.8em}.article h3{margin-top:1.4em;color:var(--navy-2)}
.article ul,.article ol{margin:0 0 1em 1.2em}

/* Areas grid */
.area-grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(200px,1fr));gap:10px;list-style:none;padding:0}
.area-grid li{background:#fff;border:1px solid var(--line);border-radius:6px;padding:10px 14px}
.area-grid a{color:var(--navy);font-weight:600}

/* Map */
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line)}
.map-wrap iframe{display:block;width:100%;height:380px;border:0}

/* Trust badges */
.badges{display:flex;flex-wrap:wrap;gap:18px;justify-content:center;align-items:center;padding:20px 0}
.badge{background:#fff;border:1px solid var(--line);border-radius:50px;padding:10px 18px;font-weight:700;color:var(--navy);font-size:.92rem;display:inline-flex;align-items:center;gap:8px}
.badge::before{content:"★";color:var(--orange)}

/* Testimonials */
.testimonial-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.testimonial-card .stars{color:var(--orange);font-weight:700;margin-bottom:8px}
.testimonial-card cite{display:block;margin-top:12px;color:var(--navy);font-weight:700;font-style:normal}

/* Responsive */
@media (max-width: 980px){
  .nav-toggle{display:flex}
  .header-cta .phone-link{display:none}
  .nav-menu{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;border-top:1px solid var(--line);padding:10px;box-shadow:0 8px 24px rgba(0,0,0,.08);align-items:stretch}
  .nav-menu.open{display:flex}
  .nav-menu>li>a{padding:12px 14px}
  .submenu{position:static;display:none;border:0;box-shadow:none;padding-left:14px}
  .has-sub.open>.submenu{display:block}
  .footer-grid{grid-template-columns:1fr 1fr}
  .grid-2{grid-template-columns:1fr}
  .mobile-sticky-cta{display:block}
  body{padding-bottom:60px}
  .hero{padding:60px 0 70px}
}
@media (max-width:560px){.footer-grid{grid-template-columns:1fr}.header-inner{gap:10px}.header-cta .btn{padding:10px 14px;font-size:.9rem}}