:root {
  --navy: #082b4c;
  --navy-2: #0d3b60;
  --mint: #58dfc1;
  --mint-dark: #078d73;
  --ice: #effbf8;
  --ink: #17324d;
  --muted: #536b80;
  --line: #d9e8e5;
  --white: #fff;
  --shadow: 0 18px 54px rgba(8, 43, 76, .12);
  --radius: 28px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; overflow-x: hidden; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
  overflow-x: hidden;
}
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; }
button, input, textarea { font: inherit; }
.skip-link {
  position: fixed;
  left: 1rem;
  top: -100px;
  z-index: 10000;
  padding: .7rem 1rem;
  color: var(--white);
  background: var(--navy);
  border-radius: 10px;
}
.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  min-height: 92px;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(8,43,76,.08);
  backdrop-filter: blur(12px);
}
.header-inner {
  width: min(1500px, calc(100% - 48px));
  min-height: 92px;
  margin: auto;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 2rem;
}
.brand { display: block; min-width: 0; }
.brand img { width: clamp(220px, 20vw, 330px); height: auto; }
.main-nav { display: flex; align-items: center; gap: clamp(1rem, 2vw, 2.3rem); }
.main-nav a {
  text-decoration: none;
  color: var(--navy);
  font-size: .98rem;
  font-weight: 800;
  white-space: nowrap;
}
.main-nav a:hover, .main-nav a[aria-current="page"] { color: var(--mint-dark); }
.main-nav .quote-link {
  padding: .72rem 1.15rem;
  color: var(--navy);
  background: var(--mint);
  border-radius: 999px;
}
.main-nav .quote-link:hover { color: var(--navy); background: #79e8d0; }
.main-nav .language-link {
  min-width: 44px;
  padding: .48rem .7rem;
  text-align: center;
  border: 2px solid var(--navy);
  border-radius: 999px;
}
.menu-toggle {
  display: none;
  width: 46px;
  height: 46px;
  padding: 10px;
  background: transparent;
  border: 0;
  cursor: pointer;
  flex: 0 0 auto;
}
.menu-toggle span { display: block; width: 26px; height: 3px; margin: 5px 0; background: var(--navy); border-radius: 2px; }

.container { width: min(1240px, calc(100% - 48px)); margin-inline: auto; }
.breadcrumb { padding: 1.15rem 0; color: var(--muted); font-size: .92rem; }
.breadcrumb a { text-decoration: none; }
.eyebrow {
  margin: 0 0 .65rem;
  color: var(--mint-dark);
  font-size: .85rem;
  font-weight: 900;
  letter-spacing: .15em;
  text-transform: uppercase;
}
h1, h2, h3 { margin-top: 0; color: var(--navy); line-height: 1.06; letter-spacing: -.035em; }
h1 { margin-bottom: 1.2rem; font-size: clamp(2.7rem, 5.8vw, 5.8rem); }
h2 { margin-bottom: 1rem; font-size: clamp(2rem, 4vw, 3.75rem); }
h3 { margin-bottom: .65rem; font-size: clamp(1.25rem, 2vw, 1.65rem); }
p { margin-top: 0; }
.lead { max-width: 760px; color: var(--muted); font-size: clamp(1.08rem, 1.55vw, 1.35rem); }
.accent { color: var(--mint-dark); }
.btn-row { display: flex; flex-wrap: wrap; gap: .85rem; margin-top: 1.7rem; }
.btn {
  display: inline-flex;
  min-height: 52px;
  padding: .8rem 1.35rem;
  align-items: center;
  justify-content: center;
  text-decoration: none;
  font-weight: 900;
  border: 2px solid transparent;
  border-radius: 999px;
  transition: transform .2s ease, background .2s ease;
}
.btn:hover { transform: translateY(-2px); }
.btn-primary { color: var(--navy); background: var(--mint); }
.btn-secondary { color: var(--navy); background: var(--white); border-color: var(--navy); }

.hero { padding: clamp(3.6rem, 7vw, 7.5rem) 0; overflow: hidden; background: radial-gradient(circle at 85% 15%, rgba(88,223,193,.38), transparent 34%), linear-gradient(135deg, #f6fffd, #eaf7fb); }
.hero-grid { display: grid; grid-template-columns: minmax(0, 1.05fr) minmax(390px, .95fr); gap: clamp(2rem, 5vw, 5rem); align-items: center; }
.hero-copy p:not(.eyebrow) { max-width: 680px; color: var(--muted); font-size: clamp(1.08rem, 1.5vw, 1.28rem); }
.hero-media { position: relative; }
.hero-media::before { content: ""; position: absolute; inset: -24px; z-index: 0; background: var(--navy); border-radius: 36px; transform: rotate(3deg); }
.hero-media img { position: relative; z-index: 1; width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: 30px; box-shadow: var(--shadow); }
.trust-chips { display: flex; flex-wrap: wrap; gap: .55rem; margin-top: 1.5rem; }
.trust-chips span { padding: .5rem .78rem; color: var(--navy); background: rgba(255,255,255,.78); border: 1px solid rgba(8,43,76,.1); border-radius: 999px; font-size: .9rem; font-weight: 800; }

.section { padding: clamp(4.2rem, 8vw, 7.5rem) 0; }
.section-soft { background: var(--ice); }
.section-navy { color: var(--white); background: var(--navy); }
.section-navy h2, .section-navy h3 { color: var(--white); }
.section-navy .eyebrow { color: var(--mint); }
.section-heading { max-width: 820px; margin-bottom: 2.2rem; }
.cards { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.2rem; }
.card { padding: clamp(1.4rem, 3vw, 2.1rem); background: var(--white); border: 1px solid var(--line); border-radius: 22px; box-shadow: 0 9px 30px rgba(8,43,76,.06); }
.card p { margin-bottom: 0; color: var(--muted); }
.service-card { padding: 0; overflow: hidden; }
.service-card img { width: 100%; aspect-ratio: 16/10; object-fit: cover; }
.service-card-body { padding: 1.55rem; }
.service-card a { color: var(--mint-dark); font-weight: 900; text-decoration-thickness: 2px; text-underline-offset: 4px; }
.icon-badge { display: grid; width: 54px; height: 54px; margin-bottom: 1rem; place-items: center; color: var(--navy); background: var(--mint); border-radius: 16px; font-size: 1.45rem; font-weight: 900; }
.stats { display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.stat { padding: 1.35rem; text-align: center; border: 1px solid rgba(255,255,255,.16); border-radius: 18px; }
.stat strong { display: block; color: var(--mint); font-size: clamp(2rem, 4vw, 3.2rem); line-height: 1; }
.stat span { display: block; margin-top: .45rem; color: #dcebf5; font-weight: 700; }

.split { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: clamp(2rem, 6vw, 5.5rem); align-items: center; }
.split-media img { width: 100%; aspect-ratio: 4/3; object-fit: cover; border-radius: var(--radius); box-shadow: var(--shadow); }
.check-list { display: grid; gap: .8rem; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 2rem; color: var(--ink); }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: .05rem; display: grid; width: 1.4rem; height: 1.4rem; place-items: center; color: var(--navy); background: var(--mint); border-radius: 50%; font-size: .83rem; font-weight: 900; }

.process { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.1rem; counter-reset: process; }
.process article { counter-increment: process; padding: 1.7rem; background: var(--white); border-radius: 20px; }
.process article::before { content: "0" counter(process); display: block; margin-bottom: .7rem; color: var(--mint-dark); font-size: 1rem; font-weight: 900; letter-spacing: .12em; }
.process p { color: var(--muted); margin-bottom: 0; }

.city-groups { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: 1.2rem; }
.city-group { padding: 1.7rem; background: var(--white); border: 1px solid var(--line); border-radius: 22px; }
.city-list { display: flex; flex-wrap: wrap; gap: .55rem; padding: 0; list-style: none; }
.city-list li { padding: .42rem .7rem; color: var(--navy); background: var(--ice); border-radius: 999px; font-size: .92rem; font-weight: 800; }
.coverage-note { margin-top: 1.5rem; padding: 1.25rem 1.45rem; color: var(--navy); background: #dff8f2; border-left: 5px solid var(--mint-dark); border-radius: 14px; }

.faq-list { display: grid; gap: .8rem; max-width: 900px; }
.faq-item { background: var(--white); border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
.faq-item button { width: 100%; padding: 1.1rem 1.25rem; color: var(--navy); background: transparent; border: 0; text-align: left; font-weight: 900; cursor: pointer; }
.faq-answer { display: none; padding: 0 1.25rem 1.1rem; color: var(--muted); }
.faq-item.open .faq-answer { display: block; }

.cta-band { padding: 3rem; text-align: center; background: linear-gradient(135deg, var(--mint), #a5f1df); border-radius: var(--radius); }
.cta-band h2 { max-width: 850px; margin-inline: auto; }
.cta-band p { max-width: 720px; margin-inline: auto; color: var(--navy-2); font-size: 1.1rem; }

.quote-layout { display: grid; grid-template-columns: .75fr 1.25fr; gap: 2rem; align-items: start; min-width: 0; }
.quote-layout > *, .quote-form, .form-grid, .form-group, fieldset { min-width: 0; }
.quote-aside { position: sticky; top: 120px; padding: 2rem; color: var(--white); background: var(--navy); border-radius: 24px; }
.quote-aside h2 { color: var(--white); font-size: 2.25rem; }
.quote-aside a { color: var(--mint); }
.quote-form { padding: clamp(1.4rem, 4vw, 2.7rem); background: var(--white); border: 1px solid var(--line); border-radius: 24px; box-shadow: var(--shadow); }
.form-grid { display: grid; grid-template-columns: repeat(2, minmax(0, 1fr)); gap: 1.1rem; }
.form-group { display: grid; gap: .4rem; }
.form-group.full { grid-column: 1 / -1; }
.form-group label, fieldset legend { color: var(--navy); font-weight: 850; }
.form-group input, .form-group textarea {
  width: 100%;
  min-height: 52px;
  padding: .8rem .9rem;
  color: var(--ink);
  background: #fbfefd;
  border: 1px solid #bdd3ce;
  border-radius: 12px;
}
.form-group textarea { min-height: 130px; resize: vertical; }
.form-group input:focus, .form-group textarea:focus { outline: 3px solid rgba(88,223,193,.35); border-color: var(--mint-dark); }
fieldset { grid-column: 1 / -1; margin: 0; padding: 1rem; border: 1px solid var(--line); border-radius: 14px; }
.choice-grid { display: flex; flex-wrap: wrap; gap: .8rem 1.2rem; margin-top: .65rem; }
.choice-grid label { display: flex; align-items: center; gap: .45rem; }
.choice-grid input { width: 18px; height: 18px; accent-color: var(--mint-dark); }
.form-note { color: var(--muted); font-size: .9rem; }
.submit-btn { min-height: 56px; padding: .85rem 1.5rem; color: var(--navy); background: var(--mint); border: 0; border-radius: 999px; font-weight: 900; cursor: pointer; }
.submit-btn:hover { background: #79e8d0; }

.site-footer { padding: 4rem 0 6rem; color: #dcebf5; background: #061f38; }
.footer-grid { display: grid; grid-template-columns: 1.3fr repeat(3, 1fr); gap: 2rem; }
.footer-brand img { width: 280px; padding: .75rem; background: var(--white); border-radius: 14px; }
.site-footer h2 { color: var(--white); font-size: 1.1rem; letter-spacing: 0; }
.site-footer ul { margin: 0; padding: 0; list-style: none; }
.site-footer a { color: #dcebf5; text-decoration: none; }
.site-footer a:hover { color: var(--mint); }
.footer-bottom { margin-top: 2.5rem; padding-top: 1.25rem; border-top: 1px solid rgba(255,255,255,.14); color: #9eb4c6; font-size: .9rem; }

.mobile-actions { display: none; }

@media (max-width: 1080px) {
  .header-inner { width: min(100% - 30px, 1240px); min-height: 78px; }
  .site-header { min-height: 78px; }
  .brand img { width: 230px; }
  .menu-toggle { display: block; }
  .main-nav {
    display: none;
    position: absolute;
    inset: 78px 0 auto;
    max-height: calc(100vh - 78px);
    padding: 1rem 1.2rem 1.5rem;
    flex-direction: column;
    align-items: stretch;
    gap: 0;
    overflow-y: auto;
    background: var(--white);
    border-top: 1px solid var(--line);
    box-shadow: var(--shadow);
  }
  .main-nav.open { display: flex; }
  .main-nav a { padding: .9rem .5rem; border-bottom: 1px solid #edf3f2; }
  .main-nav .quote-link, .main-nav .language-link { margin-top: .75rem; text-align: center; border-bottom: 0; }
  .hero-grid { grid-template-columns: 1fr; }
  .hero-media { max-width: 760px; }
  .cards, .city-groups { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
}

@media (max-width: 720px) {
  body { padding-bottom: 70px; }
  .container { width: min(100% - 28px, 1240px); }
  .hero { padding: 3.2rem 0 4.3rem; }
  .hero-grid { gap: 2.5rem; }
  .hero-media::before { inset: -10px; border-radius: 24px; }
  .hero-media img { border-radius: 20px; }
  h1 { font-size: clamp(2.45rem, 12vw, 4rem); }
  .cards, .stats, .split, .process, .city-groups, .quote-layout, .footer-grid, .form-grid { grid-template-columns: 1fr; }
  .split-media { order: -1; }
  .quote-aside { position: static; }
  .cta-band { padding: 2.1rem 1.1rem; }
  .site-footer { padding-bottom: 3rem; }
  .mobile-actions {
    display: grid;
    position: fixed;
    inset: auto 0 0;
    z-index: 1200;
    grid-template-columns: .85fr 1.15fr;
    padding: .55rem;
    background: rgba(255,255,255,.97);
    border-top: 1px solid var(--line);
    box-shadow: 0 -8px 24px rgba(8,43,76,.12);
  }
  .mobile-actions a { display: grid; min-height: 51px; margin: 0 .25rem; place-items: center; text-decoration: none; font-weight: 900; border-radius: 999px; }
  .mobile-call { color: var(--navy); border: 2px solid var(--navy); }
  .mobile-quote { color: var(--navy); background: var(--mint); }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}