:root{
  --navy:#12233f; --navy-deep:#0b1729; --gold:#c8922f; --gold-light:#e2b558;
  --cream:#faf7f1; --ink:#1b2430; --muted:#5a6675; --line:#e4ddd0; --white:#fff;
  --radius:14px; --shadow:0 12px 34px rgba(18,35,63,.10);
  --font-head:"Georgia","Times New Roman",serif;
  --font-body:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;max-width:100%;overflow-x:hidden}
body{font-family:var(--font-body);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{font-family:var(--font-head);line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2rem,4.2vw,3.1rem)}
h2{font-size:clamp(1.5rem,2.6vw,2.1rem)}
h3{font-size:1.12rem}
.wrap{width:100%;max-width:1180px;margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.btn{display:inline-block;padding:13px 22px;border-radius:999px;font-weight:700;font-size:.95rem;text-align:center;transition:.2s;border:2px solid transparent}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-call{background:var(--gold);color:#221703}
.btn-call:hover{background:var(--gold-light)}
.btn-quote{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-quote:hover{background:var(--navy);color:#fff}

/* header */
.site-header{position:sticky;top:0;z-index:60;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(8px)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-top:10px;padding-bottom:10px;position:relative}
.brand{display:flex;align-items:center;gap:10px}
.brand:hover{text-decoration:none}
.brand span{display:flex;flex-direction:column}
.brand strong{font-family:var(--font-head);font-size:1.22rem;color:var(--navy);letter-spacing:.3px}
.brand small{font-size:.7rem;letter-spacing:.14em;text-transform:uppercase;color:var(--gold)}
.mainnav{display:flex;align-items:center;gap:18px}
.navlist{display:flex;align-items:center;gap:14px;list-style:none;margin:0;padding:0}
.navlist>li>a,.dropbtn{font-size:.9rem;font-weight:600;color:var(--ink);background:none;border:0;font-family:inherit;cursor:pointer;padding:8px 2px}
.navlist>li>a:hover,.dropbtn:hover{color:var(--gold);text-decoration:none}
.dropbtn{display:inline-flex;align-items:center;gap:5px;white-space:nowrap}
.dropbtn i{display:inline-block;flex:0 0 auto;font-style:normal;font-size:.7rem;line-height:1}
.has-drop{position:relative}
.drop{position:absolute;top:100%;left:-14px;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);list-style:none;margin:0;padding:8px;display:none;z-index:70}
.has-drop.open .drop{display:block}
.drop a{display:block;padding:8px 12px;border-radius:8px;font-size:.88rem}
.drop a:hover{background:var(--cream);text-decoration:none;color:var(--gold)}
.navcta{display:flex;gap:8px}
.navcta .btn{padding:10px 16px;font-size:.84rem}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.hamburger span{width:24px;height:2px;background:var(--navy);display:block}

/* hero */
.hero{background:linear-gradient(160deg,#0b1729,#16294a 70%,#1d3a63);color:#f4f1ea;padding:60px 0 70px}
.hero h1{color:#fff}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:44px;align-items:center}
.eyebrow{letter-spacing:.16em;text-transform:uppercase;font-size:.74rem;color:var(--gold-light);margin:0 0 10px}
.lede{font-size:1.1rem;color:rgba(255,255,255,.86);max-width:56ch}
.hero-cta{display:flex;flex-wrap:wrap;gap:12px;margin-top:22px}
.hero .btn-quote{color:#fff;border-color:rgba(255,255,255,.7)}
.hero .btn-quote:hover{background:#fff;color:var(--navy)}
.trust{list-style:none;display:flex;flex-wrap:wrap;gap:18px;padding:0;margin:26px 0 0;font-size:.85rem;color:rgba(255,255,255,.75)}
.trust li::before{content:"\2713 ";color:var(--gold-light);margin-right:7px}
.hero-img img{border-radius:var(--radius);box-shadow:0 20px 50px rgba(0,0,0,.35)}
.page-hero{background:var(--navy);color:#fff;padding:52px 0}
.page-hero h1{color:#fff;margin-bottom:.3em}
.page-hero .lede{color:rgba(255,255,255,.85)}
.page-hero .btn-quote{color:#fff;border-color:rgba(255,255,255,.7)}
.page-hero .btn-quote:hover{background:#fff;color:var(--navy)}

/* sections */
.section{padding:62px 0}
.section.alt{background:var(--cream)}
.section-sub{color:var(--muted);margin-top:-.4em;max-width:62ch}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(265px,1fr));gap:20px;margin-top:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;transition:.2s;display:block}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);text-decoration:none;border-color:var(--gold)}
.card p{color:var(--muted);font-size:.93rem;margin:.4em 0 .8em}
.more{color:var(--gold);font-weight:700;font-size:.85rem}
.pills{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0}
.pills a{background:var(--cream);border:1px solid var(--line);padding:8px 15px;border-radius:999px;font-size:.87rem;font-weight:600}
.pills a:hover{background:var(--navy);color:#fff;text-decoration:none}
.check{list-style:none;padding:0;margin:0 0 1.4em}
.check li{padding-left:28px;position:relative;margin-bottom:9px}
.check li::before{content:"\2713 ";position:absolute;left:0;color:var(--gold);font-weight:700}
.wide-img{border-radius:var(--radius);margin:28px 0;box-shadow:var(--shadow);width:100%}
.quotes{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin-top:24px}
blockquote{margin:0;background:#fff;border-left:4px solid var(--gold);border-radius:12px;padding:20px 22px;box-shadow:var(--shadow)}
blockquote p{margin:0 0 .7em;font-style:italic}
cite{font-style:normal;font-weight:700;font-size:.87rem;color:var(--muted)}
.faq details{border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq p{margin:.7em 0 0;color:var(--muted)}
.cta-band{background:var(--navy);color:#fff;padding:52px 0;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:rgba(255,255,255,.82);max-width:60ch;margin:0 auto}
.cta-band .hero-cta{justify-content:center}
.cta-band .btn-quote{color:#fff;border-color:rgba(255,255,255,.7)}
.cta-band .btn-quote:hover{background:#fff;color:var(--navy)}
.sitemap-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:30px}
.sitemap-grid ul{list-style:none;padding:0;margin:0}
.sitemap-grid li{margin-bottom:7px;font-size:.93rem}

/* form */
.quote-form{display:grid;gap:14px;max-width:520px}
.quote-form label{display:grid;gap:6px;font-weight:600;font-size:.88rem;color:var(--navy)}
.quote-form input,.quote-form select,.quote-form textarea{font:inherit;padding:11px 13px;border:1px solid var(--line);border-radius:10px;background:#fff;width:100%}
.quote-form input:focus,.quote-form textarea:focus,.quote-form select:focus{outline:2px solid var(--gold);border-color:var(--gold)}
.form-status{font-size:.9rem;color:var(--gold);font-weight:600;min-height:1.2em}
.contact-details p{margin:.4em 0}

/* footer */
.site-footer{background:var(--navy-deep);color:rgba(255,255,255,.76);padding:54px 0 0;margin-bottom:0}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:32px}
.site-footer h3{color:#fff;font-size:1rem;margin-bottom:.7em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:7px;font-size:.89rem}
.site-footer a{color:rgba(255,255,255,.78)}
.site-footer a:hover{color:var(--gold-light)}
.site-footer p{font-size:.9rem}
.foot-contact a{color:var(--gold-light);font-weight:600}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:16px;padding-bottom:20px;font-size:.82rem}

/* mobile sticky call bar */
.mobile-bar{display:none}

@media (max-width:1040px){
  .navlist{gap:10px}
  .navlist>li>a,.dropbtn{font-size:.83rem}
  .navcta .btn{padding:9px 12px;font-size:.78rem}
}
@media (max-width:940px){
  .hamburger{display:flex}
  .mainnav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:12px 20px 20px;box-shadow:var(--shadow);display:none;max-height:80vh;overflow-y:auto}
  .mainnav.open{display:flex}
  .navlist{flex-direction:column;align-items:stretch;gap:0}
  .navlist>li{border-bottom:1px solid var(--line)}
  .navlist>li>a{display:block;width:100%;text-align:left;padding:12px 0;font-size:1rem}
  .dropbtn{display:inline-flex;width:100%;align-items:center;justify-content:flex-start;gap:5px;text-align:left;padding:12px 0;font-size:1rem}
  .drop{position:static;display:none;box-shadow:none;border:0;padding:0 0 10px 12px;min-width:0}
  .has-drop.open .drop{display:block}
  .navcta{flex-direction:column;margin-top:16px}
  .hero-grid,.split{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  body{padding-bottom:64px}
  .mobile-bar{display:grid;grid-template-columns:1fr 1fr;position:fixed;bottom:0;left:0;right:0;z-index:80;box-shadow:0 -6px 18px rgba(0,0,0,.18)}
  .mobile-bar a{padding:15px 8px;text-align:center;font-weight:700;font-size:.92rem}
  .mobile-bar a:first-child{background:var(--gold);color:#221703}
  .mobile-bar a:last-child{background:var(--navy);color:#fff}
  .mobile-bar a:hover{text-decoration:none}
}
@media (max-width:560px){
  body{font-size:16px}
  .section{padding:44px 0}
  .foot-grid{grid-template-columns:1fr}
  .hero{padding:40px 0 50px}
  .btn{width:100%}
  .hero-cta{flex-direction:column}
}