:root{
  --navy:#0a2d63;--blue:#0b77d0;--blue-ink:#0a5fa8;--blue-soft:#eaf4ff;--text:#243341;--muted:#5d6c7b;
  --line:#dde6f0;--white:#fff;--section:#f7fbff;--shadow:0 12px 40px rgba(10,45,99,.08);--radius:20px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:inherit}
:focus-visible{outline:3px solid var(--blue);outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 14px;border-radius:8px;z-index:200}
.skip:focus{left:8px}
.wrap{width:min(1180px,92%);margin:auto}

/* header */
header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid rgba(221,230,240,.9)}
.nav{display:flex;justify-content:space-between;align-items:center;gap:18px;min-height:78px;padding:10px 0}
.brand{display:flex;align-items:center;gap:14px;text-decoration:none}
.brand-mark{width:auto;height:54px}
.brand-text strong{display:block;font-size:20px;letter-spacing:1px;color:var(--navy)}
.brand-text small{display:block;color:var(--muted);letter-spacing:1.2px;font-size:11px;margin-top:3px}
nav{display:flex;align-items:center;gap:22px}
nav a{text-decoration:none;font-weight:700;color:var(--muted);font-size:14px}
nav a:hover,nav a[aria-current]{color:var(--navy)}
nav a.button,nav a.button:hover{color:#fff}
.menu-btn{display:none;background:#fff;border:1px solid var(--line);border-radius:10px;padding:10px 14px;font:700 14px Arial,sans-serif;color:var(--navy);cursor:pointer}
.button{display:inline-block;background:var(--blue);color:#fff;padding:13px 20px;border-radius:12px;text-decoration:none;font-weight:700;border:1px solid var(--blue);box-shadow:var(--shadow)}
.button:hover{background:var(--navy);border-color:var(--navy)}
.button.light{background:#fff;color:var(--navy);border-color:var(--line);box-shadow:none}
.button.light:hover{background:var(--blue-soft);border-color:var(--blue)}

/* hero */
.hero{padding:60px 0 40px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:44px;align-items:center}
.eyebrow{display:inline-block;padding:8px 12px;border-radius:999px;background:var(--blue-soft);color:var(--blue-ink);font-size:12px;font-weight:800;letter-spacing:1.2px;text-transform:uppercase}
h1{font-size:clamp(34px,4.6vw,54px);line-height:1.08;margin:18px 0;color:var(--navy)}
.hero p{font-size:18px;color:var(--muted);max-width:690px;margin:0 0 18px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:26px}
.hero-panel{background:#fff;border:1px solid var(--line);border-radius:28px;padding:28px;box-shadow:var(--shadow)}
.hero-logo{width:100%;max-width:480px;margin:0 auto 18px;border-radius:18px}
.hero-panel h2{margin:0;color:var(--navy);font-size:28px;line-height:1.15}
.bullet-list{padding-left:18px;margin:18px 0 0;color:var(--muted)}
.bullet-list li{margin:8px 0}

/* inner-page hero */
.ph{padding:34px 0 46px;background:linear-gradient(180deg,#fff 0%,#f8fbff 100%)}
.ph-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.ph-grid.single{grid-template-columns:minmax(0,860px)}
.ph p.lede{font-size:18px;color:var(--muted);margin:0 0 14px;max-width:720px}
.crumbs{font-size:13px;color:var(--muted);margin:0 0 6px}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--navy);text-decoration:underline}
.crumbs span[aria-hidden]{margin:0 6px}
.figure{margin:0}
.figure img{width:100%;border-radius:24px;border:1px solid var(--line);box-shadow:var(--shadow);aspect-ratio:4/3;object-fit:cover}
.figure figcaption,.image-note{margin-top:10px;color:var(--muted);font-size:13px}

/* stat strip */
.quick-stats{padding:16px 0 10px}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{background:#fff;border:1px solid var(--line);border-radius:18px;padding:20px;box-shadow:var(--shadow)}
.stat strong{display:block;color:var(--navy);font-size:18px;margin-bottom:6px}
.stat span{color:var(--muted);font-size:14px}

section{padding:70px 0}
.section-head{max-width:760px;margin-bottom:28px}
.section-head h2,.prose h2{font-size:34px;line-height:1.15;color:var(--navy);margin:0 0 12px}
.section-head p{margin:0;color:var(--muted);font-size:17px}
.alt{background:var(--section)}

/* service cards */
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.service{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden;box-shadow:var(--shadow);text-decoration:none;color:inherit}
.service img{width:100%;aspect-ratio:16/9;object-fit:cover}
.service .body{padding:22px 24px 24px;display:flex;flex-direction:column;flex:1}
.service h3{margin:0 0 8px;color:var(--navy);font-size:20px;line-height:1.2}
.service p{margin:0 0 14px;color:var(--muted);font-size:15px}
.service .more{margin-top:auto;font-weight:700;color:var(--blue-ink);font-size:14px}
a.service:hover{border-color:var(--blue)}
a.service:hover .more{text-decoration:underline}

/* image strip on home */
.strip-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.strip-card{position:relative;display:block;min-height:210px;border-radius:22px;overflow:hidden;border:1px solid var(--line);box-shadow:var(--shadow);background:#d9e8f7;text-decoration:none}
.strip-card img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.strip-card::before{content:"";position:absolute;inset:0;background:linear-gradient(to top,rgba(6,16,28,.8),rgba(6,16,28,.08) 62%);z-index:1}
.strip-caption{position:absolute;left:18px;right:18px;bottom:16px;color:#fff;z-index:2}
.strip-caption h3{margin:0;font-size:19px;line-height:1.2}

/* content */
.cols{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.panel{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.panel h2,.panel h3{margin:0 0 6px;color:var(--navy);font-size:24px;line-height:1.2}
.plain-list{padding-left:18px;margin:12px 0 0}
.plain-list li{margin:9px 0;color:var(--muted)}
.prose{max-width:820px}
.prose p{color:var(--text);font-size:17px;margin:0 0 16px}
.note{background:var(--blue-soft);border-left:4px solid var(--blue);border-radius:10px;padding:16px 18px;color:var(--navy);font-size:15px;margin:24px 0}
.related{display:flex;gap:12px;flex-wrap:wrap;margin-top:10px}
.related a{display:inline-block;padding:10px 16px;border:1px solid var(--line);border-radius:999px;text-decoration:none;font-weight:700;font-size:14px;color:var(--navy);background:#fff}
.related a:hover{border-color:var(--blue);background:var(--blue-soft)}

/* FAQ */
.faq{max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:16px;margin:0 0 12px;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;list-style:none;padding:18px 52px 18px 22px;font-weight:700;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:22px;color:var(--blue)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0;padding:0 22px 20px;color:var(--muted)}

/* rates */
.rate-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:16px;margin:0 0 26px}
.rate{background:#fff;border:1px solid var(--line);border-radius:18px;padding:23px;box-shadow:var(--shadow)}
.rate .k{font-weight:700;color:var(--navy)}
.rate .v{font-size:34px;font-weight:800;color:var(--blue-ink);line-height:1.2}
.rate .v.sm{font-size:28px}
.rate .u{color:var(--muted)}
table.calc{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;margin:0 0 20px}
table.calc th,table.calc td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);font-size:16px}
table.calc th{background:var(--section);color:var(--navy)}
table.calc td.n,table.calc th.n{text-align:right;font-variant-numeric:tabular-nums}
table.calc tr.total td{font-weight:800;color:var(--navy);background:var(--blue-soft)}

.table-wrap{overflow-x:auto;margin:0 0 20px}
.table-wrap table.calc{margin:0}

/* contact */
.contact-box{display:grid;grid-template-columns:1fr 1fr;gap:22px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;box-shadow:var(--shadow)}
.contact-card h2,.contact-card h3{margin-top:0;color:var(--navy);font-size:24px}
.contact-line{margin:14px 0;color:var(--muted)}
.contact-line a{color:var(--blue-ink);font-weight:700;text-decoration:none;overflow-wrap:anywhere}
.contact-line a:hover{text-decoration:underline}

/* utilities */
.m0{margin:0}.m14{margin:14px 0 0}.m28{margin-top:28px}.mt{margin-top:16px}.muted{color:var(--muted)}
.panel h2.mt{margin:16px 0 12px}

/* CTA band */
.cta{background:var(--navy);color:#fff;padding:54px 0}
.cta .wrap{display:flex;gap:24px;justify-content:space-between;align-items:center;flex-wrap:wrap}
.cta h2{margin:0 0 6px;font-size:30px;line-height:1.15}
.cta p{margin:0;color:#cfe0f3;max-width:640px}
.cta .button.light{color:var(--navy)}
.cta .hero-actions{margin:0}

/* footer */
footer{background:#081d40;color:#e1ebf6;padding:46px 0 26px;font-size:14px}
footer a{color:#e1ebf6;text-decoration:none}
footer a:hover{text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:34px;margin-bottom:30px}
footer h2{font-size:14px;letter-spacing:1px;text-transform:uppercase;color:#fff;margin:0 0 12px}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
footer p{margin:0 0 10px;color:#c6d6e8}
.foot{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.14);padding-top:20px;color:#c6d6e8}

@media (max-width:980px){
  .hero-inner,.ph-grid,.cols,.contact-box{grid-template-columns:1fr}
  .grid{grid-template-columns:repeat(2,1fr)}
  .stats-grid,.strip-grid{grid-template-columns:repeat(2,1fr)}
  .foot-grid{grid-template-columns:1fr 1fr}
  .menu-btn{display:inline-block}
  .js nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:8px 4% 18px}
  .js nav.open{display:flex}
  .js nav a{padding:12px 0;width:100%;font-size:16px}
  .js nav a.button{width:auto;margin-top:8px;padding:13px 20px}
  html:not(.js) .nav{flex-wrap:wrap}
  html:not(.js) nav{flex-wrap:wrap;gap:12px}
}
@media (max-width:640px){
  section{padding:54px 0}
  .hero{padding-top:30px}
  h1{font-size:34px}
  .grid,.stats-grid,.strip-grid,.foot-grid{grid-template-columns:1fr}
  .hero-panel{padding:22px}
  .brand-text small{display:none}
  .section-head h2,.prose h2{font-size:28px}
  .rate .v{font-size:30px}
  table.calc th,table.calc td{padding:10px 9px;font-size:14px}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}