:root{
  --navy:#0b2545;--navy-2:#13315c;--teal:#1a9aa6;--teal-2:#13c4cf;--accent:#ffb703;
  --bg:#f6fafd;--surface:#ffffff;--text:#0f1b2d;--muted:#5b6b80;--border:#e3ecf3;
  --shadow:0 10px 30px rgba(11,37,69,.08);--radius:14px;
  --grad:linear-gradient(135deg,var(--navy) 0%,var(--teal) 100%);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--text);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Poppins',sans-serif;color:var(--navy);line-height:1.2;font-weight:700}
h1{font-size:clamp(2rem,4.5vw,3.5rem)}
h2{font-size:clamp(1.6rem,3vw,2.4rem);margin-bottom:.75rem}
h3{font-size:1.25rem;margin-bottom:.5rem}
p{color:var(--muted);margin-bottom:1rem}
a{color:var(--teal);text-decoration:none}
a:hover{color:var(--navy)}
img{max-width:100%;display:block;height:auto}
.container{max-width:1180px;margin:0 auto;padding:0 1.25rem}
.section{padding:5rem 0}
.section-sm{padding:3rem 0}

/* Header */
.header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--border)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:.85rem 1.25rem;max-width:1180px;margin:0 auto;gap:1rem}
.brand{display:flex;align-items:center;gap:.6rem;font-family:'Poppins';font-weight:700;color:var(--navy);font-size:1.15rem}
.brand img{width:42px;height:42px;object-fit:contain}
.nav-links{display:flex;align-items:center;gap:1.4rem;list-style:none}
.nav-links a{color:var(--navy);font-weight:500;font-size:.95rem;position:relative}
.nav-links a:hover,.nav-links a.active{color:var(--teal)}
.nav-cta{display:flex;align-items:center;gap:.6rem}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.75rem 1.25rem;border-radius:999px;font-weight:600;font-size:.95rem;border:none;cursor:pointer;transition:transform .2s,box-shadow .2s;white-space:nowrap}
.btn-primary{background:var(--grad);color:#fff;box-shadow:0 6px 20px rgba(26,154,166,.35)}
.btn-primary:hover{transform:translateY(-2px);color:#fff;box-shadow:0 12px 28px rgba(26,154,166,.45)}
.btn-outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-accent{background:var(--accent);color:var(--navy)}
.btn-accent:hover{transform:translateY(-2px);color:var(--navy)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:.5rem;color:var(--navy)}
.menu-toggle svg{width:28px;height:28px}

/* Hero */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--grad)}
.hero-inner{display:grid;grid-template-columns:1.1fr 1fr;gap:3rem;align-items:center;padding:5rem 0}
.hero h1{color:#fff;margin-bottom:1.25rem}
.hero p.lead{color:rgba(255,255,255,.9);font-size:1.15rem;margin-bottom:2rem;max-width:540px}
.hero .badge{display:inline-block;background:rgba(255,255,255,.15);border:1px solid rgba(255,255,255,.3);padding:.4rem .9rem;border-radius:999px;font-size:.85rem;margin-bottom:1.25rem;letter-spacing:.5px}
.hero-img{position:relative;border-radius:24px;overflow:hidden;box-shadow:0 30px 60px rgba(0,0,0,.3);transform:rotate(1.5deg)}
.hero-img img{width:100%;height:520px;object-fit:cover}
.hero-cta{display:flex;flex-wrap:wrap;gap:.75rem}
.hero-bullets{display:flex;flex-wrap:wrap;gap:1.5rem;margin-top:2rem;color:#fff}
.hero-bullets span{display:flex;align-items:center;gap:.4rem;font-size:.95rem}
.hero-bullets svg{width:18px;height:18px;color:var(--accent)}

/* Page header (sub pages) */
.page-head{background:var(--grad);color:#fff;padding:4rem 0 3rem;text-align:center}
.page-head h1{color:#fff}
.page-head p{color:rgba(255,255,255,.85);max-width:680px;margin:1rem auto 0}
.crumbs{font-size:.85rem;color:rgba(255,255,255,.8);margin-bottom:.75rem}
.crumbs a{color:rgba(255,255,255,.9)}

/* Sections */
.eyebrow{display:inline-block;color:var(--teal);font-weight:600;letter-spacing:1px;font-size:.8rem;text-transform:uppercase;margin-bottom:.6rem}
.section-head{text-align:center;max-width:680px;margin:0 auto 3rem}

/* Cards */
.grid{display:grid;gap:1.5rem}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:var(--surface);border-radius:var(--radius);box-shadow:var(--shadow);overflow:hidden;transition:transform .25s,box-shadow .25s;border:1px solid var(--border)}
.card:hover{transform:translateY(-6px);box-shadow:0 20px 40px rgba(11,37,69,.12)}
.card img{width:100%;height:220px;object-fit:cover}
.card-body{padding:1.5rem}
.card-icon{width:54px;height:54px;border-radius:14px;background:linear-gradient(135deg,#e8f7f9,#d5f0f3);display:flex;align-items:center;justify-content:center;color:var(--teal);margin-bottom:1rem}
.card-icon svg{width:28px;height:28px}

/* Features / stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;margin-top:2rem}
.stat{background:#fff;padding:1.5rem;border-radius:var(--radius);box-shadow:var(--shadow);text-align:center}
.stat .num{font-family:'Poppins';font-size:2rem;font-weight:700;color:var(--navy)}
.stat .lbl{color:var(--muted);font-size:.9rem}

/* Split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:center}
.split img{border-radius:var(--radius);box-shadow:var(--shadow);width:100%;height:100%;max-height:480px;object-fit:cover}
.check-list{list-style:none;margin-top:1rem}
.check-list li{padding:.4rem 0 .4rem 1.75rem;position:relative;color:var(--text)}
.check-list li:before{content:"✓";position:absolute;left:0;top:.4rem;width:1.3rem;height:1.3rem;background:var(--teal);color:#fff;border-radius:50%;text-align:center;font-size:.8rem;line-height:1.3rem;font-weight:700}

/* Testimonials */
.tcard{background:#fff;padding:2rem;border-radius:var(--radius);box-shadow:var(--shadow);border-top:4px solid var(--teal)}
.tcard p{font-style:italic;color:var(--text)}
.tcard .who{margin-top:1rem;font-weight:600;color:var(--navy)}
.tcard .stars{color:var(--accent);margin-bottom:.5rem;letter-spacing:2px}

/* Areas */
.area-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:.75rem;margin-top:2rem}
.area-grid a{display:block;background:#fff;border:1px solid var(--border);padding:.85rem 1rem;border-radius:10px;color:var(--navy);font-weight:500;font-size:.93rem;transition:all .2s}
.area-grid a:hover{background:var(--navy);color:#fff;border-color:var(--navy);transform:translateX(4px)}

/* FAQ */
.faq{max-width:820px;margin:0 auto}
details{background:#fff;border:1px solid var(--border);border-radius:12px;padding:1.1rem 1.25rem;margin-bottom:.75rem;box-shadow:0 2px 8px rgba(11,37,69,.03)}
details[open]{box-shadow:var(--shadow);border-color:var(--teal)}
summary{font-weight:600;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
summary::-webkit-details-marker{display:none}
summary:after{content:"+";font-size:1.5rem;color:var(--teal);transition:transform .2s}
details[open] summary:after{transform:rotate(45deg)}
details p{margin-top:.75rem}

/* CTA strip */
.cta-strip{background:var(--grad);color:#fff;text-align:center;padding:4rem 1rem;border-radius:var(--radius);margin:3rem auto;max-width:1180px}
.cta-strip h2{color:#fff;margin-bottom:.5rem}
.cta-strip p{color:rgba(255,255,255,.9)}
.cta-strip .btns{display:flex;flex-wrap:wrap;justify-content:center;gap:.75rem;margin-top:1.5rem}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:2.5rem}
.info-card{background:#fff;padding:2rem;border-radius:var(--radius);box-shadow:var(--shadow)}
.info-row{display:flex;gap:.9rem;align-items:flex-start;padding:.85rem 0;border-bottom:1px solid var(--border)}
.info-row:last-child{border-bottom:none}
.info-row .ico{width:42px;height:42px;border-radius:10px;background:linear-gradient(135deg,#e8f7f9,#d5f0f3);display:flex;align-items:center;justify-content:center;color:var(--teal);flex-shrink:0}
.info-row .ico svg{width:22px;height:22px}
.info-row strong{display:block;color:var(--navy);font-size:.9rem;margin-bottom:.15rem}
.info-row span,.info-row a{color:var(--muted);font-size:.95rem}
form{background:#fff;padding:2rem;border-radius:var(--radius);box-shadow:var(--shadow)}
form label{display:block;font-weight:600;color:var(--navy);margin-bottom:.35rem;font-size:.9rem}
form input,form textarea,form select{width:100%;padding:.75rem .9rem;border:1px solid var(--border);border-radius:10px;font-family:inherit;font-size:.95rem;margin-bottom:1rem;background:#fafcfe;transition:border-color .2s}
form input:focus,form textarea:focus,form select:focus{outline:none;border-color:var(--teal);background:#fff}
form textarea{min-height:130px;resize:vertical}
.map{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);margin-top:2rem}
.map iframe{width:100%;height:380px;border:0;display:block}

/* Legal pages */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:2rem}
.prose h3{margin-top:1.5rem}
.prose p,.prose li{color:var(--text)}
.prose ul{margin:1rem 0 1rem 1.5rem}

/* Footer */
.footer{background:#0a1d36;color:#c7d5e6;padding:4rem 0 1.5rem;margin-top:4rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:2rem}
.footer h4{color:#fff;margin-bottom:1rem;font-size:1rem}
.footer a{color:#c7d5e6;display:block;padding:.25rem 0;font-size:.92rem}
.footer a:hover{color:var(--teal-2)}
.footer .brand{color:#fff;margin-bottom:1rem}
.footer p{color:#8b9db5;font-size:.92rem}
.copy{border-top:1px solid #1e3354;margin-top:2.5rem;padding-top:1.25rem;text-align:center;font-size:.85rem;color:#8b9db5}

/* Mobile */
@media (max-width:960px){
  .grid-3,.grid-2{grid-template-columns:1fr}
  .hero-inner,.split,.contact-grid{grid-template-columns:1fr}
  .hero-img{transform:none}
  .hero-img img{height:340px}
  .stats{grid-template-columns:repeat(2,1fr)}
  .area-grid{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .nav-links{position:fixed;top:68px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:1.25rem;gap:.75rem;box-shadow:0 10px 24px rgba(0,0,0,.08);transform:translateY(-150%);transition:transform .25s;border-bottom:1px solid var(--border)}
  .nav-links.open{transform:translateY(0)}
  .menu-toggle{display:block}
  .nav-cta .btn-outline{display:none}
  .section{padding:3.5rem 0}
}
@media (max-width:560px){
  .area-grid,.footer-grid{grid-template-columns:1fr}
  .stats{grid-template-columns:1fr 1fr}
  .hero-cta{flex-direction:column;align-items:stretch}
  .hero-cta .btn{justify-content:center}
}

.btn svg{width:18px;height:18px;flex-shrink:0}
.nav-cta .btn-primary{padding:.65rem 1rem;font-size:.9rem}