:root{
  --navy:#0a2342;
  --navy-deep:#071a33;
  --teal:#2ca8a4;
  --teal-dark:#1f7f7c;
  --gold:#c6a13b;
  --gold-dark:#a8862c;
  --ink:#1c2b3a;
  --muted:#5b6b7d;
  --bg:#f6f8fb;
  --white:#ffffff;
  --radius:14px;
  --shadow:0 10px 30px rgba(10,35,66,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.section{padding:72px 0}
.section-alt{background:var(--bg)}
.section-navy{background:var(--navy);color:#eaf0f7}
.kicker{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800;color:var(--teal-dark);margin-bottom:10px}
.kicker-light{color:var(--teal)}
h1,h2,h3{line-height:1.2;color:var(--navy)}
h2{font-size:clamp(1.6rem,3.4vw,2.3rem);font-weight:800;margin-bottom:12px}
.section-navy h2.light{color:#fff}
.section-sub{color:var(--muted);max-width:640px;margin-bottom:36px;font-size:1.05rem}
.light-sub{color:#b9c6d6}

/* ---------- header ---------- */
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid #e6ebf1}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:10px 20px}
.brand img{height:52px;width:auto}
.nav-links{display:flex;gap:26px;align-items:center}
.nav-links a{text-decoration:none;font-weight:700;font-size:.95rem;color:var(--navy)}
.nav-links a:hover{color:var(--teal-dark)}
.nav-cta{display:flex;align-items:center;gap:12px}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{width:26px;height:3px;background:var(--navy);border-radius:2px}

/* ---------- buttons ---------- */
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:999px;padding:13px 28px;border:2px solid transparent;cursor:pointer;font-size:1rem;transition:transform .12s ease,box-shadow .12s ease,background .12s ease;text-align:center}
.btn:active{transform:scale(.97)}
.btn-sm{padding:9px 18px;font-size:.9rem}
.btn-gold{background:var(--gold);color:#fff;box-shadow:0 6px 18px rgba(198,161,59,.35)}
.btn-gold:hover{background:var(--gold-dark)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-outline-light{border-color:rgba(255,255,255,.55);color:#fff}
.btn-outline-light:hover{background:rgba(255,255,255,.12)}

/* ---------- hero ---------- */
.hero{background:radial-gradient(1100px 480px at 80% -10%,rgba(44,168,164,.22),transparent 60%),var(--navy);color:#fff;padding:88px 0 96px}
.hero-inner{max-width:760px}
.badge{display:inline-block;background:rgba(44,168,164,.16);border:1px solid rgba(44,168,164,.5);color:#bfe6e4;font-weight:700;font-size:.85rem;padding:8px 16px;border-radius:999px;margin-bottom:22px}
.hero h1{color:#fff;font-size:clamp(2.1rem,5.4vw,3.4rem);font-weight:800;margin-bottom:18px}
.hero h1 .teal{color:var(--teal)}
.lede{font-size:1.12rem;color:#c4d0df;max-width:640px;margin-bottom:30px}
.hero-ctas{display:flex;gap:14px;flex-wrap:wrap}

/* ---------- strip ---------- */
.strip{background:var(--gold);color:#fff}
.strip-inner{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;padding:20px}
.strip-item{display:flex;gap:12px;align-items:center;justify-content:center}
.strip-icon{font-size:1.7rem}
.strip-item strong{display:block;font-size:1rem}
.strip-item span{font-size:.85rem;opacity:.92}

/* ---------- cards ---------- */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:22px}
.card{background:#fff;border:1px solid #e6ebf1;border-radius:var(--radius);padding:30px 26px;box-shadow:var(--shadow);transition:transform .15s ease}
.card:hover{transform:translateY(-4px)}
.card-icon{width:52px;height:52px;border-radius:14px;background:rgba(44,168,164,.12);color:var(--teal-dark);display:flex;align-items:center;justify-content:center;margin-bottom:16px}
.card-icon svg{width:28px;height:28px}
.card h3{font-size:1.15rem;margin-bottom:8px}
.card p{color:var(--muted);font-size:.96rem}

/* ---------- terms ---------- */
.terms{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px;margin-bottom:34px}
.term{background:#fff;border:1px solid #e6ebf1;border-radius:var(--radius);padding:26px;display:flex;gap:16px;align-items:flex-start;box-shadow:var(--shadow)}
.term-num{flex:0 0 52px;height:52px;border-radius:50%;background:var(--navy);color:var(--gold);font-weight:800;font-size:1.4rem;display:flex;align-items:center;justify-content:center}
.term h3{font-size:1.05rem;margin-bottom:4px}
.term p{color:var(--muted);font-size:.93rem}
.checklist{list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:12px}
.checklist li{padding-left:32px;position:relative;font-weight:600;color:var(--navy)}
.checklist li::before{content:"✓";position:absolute;left:0;top:0;width:22px;height:22px;border-radius:50%;background:rgba(44,168,164,.15);color:var(--teal-dark);font-weight:800;display:flex;align-items:center;justify-content:center;font-size:.8rem}

/* ---------- about ---------- */
.about-inner{display:grid;grid-template-columns:1.4fr 1fr;gap:40px;align-items:start}
.about-text p{color:var(--muted);margin-bottom:16px}
.about-text strong{color:var(--navy)}
.about-card{background:var(--navy);color:#eaf0f7;border-radius:var(--radius);padding:34px 30px;text-align:center;box-shadow:var(--shadow)}
.about-badge{font-size:2.6rem;margin-bottom:10px}
.about-card h3{color:#fff;font-size:1.3rem}
.about-card .role{color:var(--teal);font-weight:700;margin:4px 0 10px}
.about-card .loc{color:#b9c6d6;margin-bottom:20px}

/* ---------- quote form ---------- */
.quote-form{max-width:680px;background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.14);border-radius:var(--radius);padding:34px 30px}
.quote-form label{display:block;font-weight:700;color:#fff;margin-bottom:16px;font-size:.95rem}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.quote-form input,.quote-form select,.quote-form textarea{width:100%;margin-top:8px;padding:13px 15px;border-radius:10px;border:1px solid rgba(255,255,255,.2);background:#fff;color:var(--ink);font-family:inherit;font-size:1rem}
.quote-form textarea{resize:vertical}
.form-error{color:#ffb3b3;font-weight:700;margin-bottom:14px}
.form-ctas{display:flex;gap:14px;flex-wrap:wrap;margin:6px 0 12px}
.form-note{color:#93a5bb;font-size:.88rem}

/* ---------- contact ---------- */
.contact-cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:22px}
.contact-card{background:#fff;border:1px solid #e6ebf1;border-radius:var(--radius);padding:28px;text-decoration:none;box-shadow:var(--shadow);display:block;transition:transform .15s ease}
a.contact-card:hover{transform:translateY(-4px)}
.cc-icon{font-size:1.8rem;display:block;margin-bottom:10px}
.contact-card strong{display:block;color:var(--navy);font-size:1.05rem}
.contact-card span:last-child{color:var(--muted)}

/* ---------- footer ---------- */
.footer{background:var(--navy-deep);color:#93a5bb;padding:40px 0;text-align:center}
.footer-logo{height:56px;width:auto;margin:0 auto 16px;background:#fff;border-radius:10px;padding:6px 14px}
.footer p{font-size:.9rem}
.footer-note{opacity:.75}

/* ---------- responsive ---------- */
@media (max-width:860px){
  .nav-links{position:fixed;inset:64px 0 auto 0;background:#fff;flex-direction:column;align-items:flex-start;padding:20px 24px 28px;gap:18px;border-bottom:1px solid #e6ebf1;box-shadow:0 20px 30px rgba(10,35,66,.12);display:none}
  .nav-links.open{display:flex}
  .hamburger{display:flex}
  .nav-cta .btn{display:none}
  .strip-inner{grid-template-columns:1fr;gap:14px}
  .strip-item{justify-content:flex-start}
  .about-inner{grid-template-columns:1fr}
  .form-row{grid-template-columns:1fr}
  .section{padding:56px 0}
}