:root{
  --navy:#0A2540; --blue:#1E88E5; --text:#0A2540; --muted:#667085;
  --bg:#ffffff; --strip:#F4F7FB;
}
*{box-sizing:border-box} html,body{height:100%}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.5}
.container{max-width:1120px;margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-999px;top:auto;width:1px;height:1px;overflow:hidden}
.skip-link:focus{left:20px;top:20px;width:auto;height:auto;padding:10px 14px;background:#fff;border:2px solid var(--blue);z-index:999}
.site-header{position:sticky;top:0;z-index:10;background:#fff;border-bottom:1px solid #E6E9EF}
.header-inner{display:flex;align-items:center;justify-content:space-between;height:68px;gap:16px}
.logo{height:44px;width:auto;display:block}
.nav{display:flex;gap:18px;align-items:center}
.nav a{color:var(--text);text-decoration:none;font-weight:600}
.nav .btn{color:#fff}
.nav-toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav-toggle span{display:block;width:24px;height:2px;background:var(--text);margin:5px 0;transition:.2s}
.hero{position:relative;min-height:52vh;display:flex;align-items:center;background:#0A2540 url('header-mobile.png') center/cover no-repeat;color:#fff}
@media (min-width: 900px){.hero{background-image:url('header-desktop.png')}}
.hero .overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,37,64,.65),rgba(30,136,229,.35))}
.hero-inner{position:relative;padding:80px 0}
.hero h1{font-size: clamp(28px, 4.2vw, 48px);margin:0 0 12px 0;line-height:1.2}
.hero p{max-width:800px;font-size:18px;margin:0 0 24px 0}
.btn{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:700;border-radius:8px;padding:12px 18px;box-shadow:0 2px 8px rgba(0,0,0,.08)}
.btn:hover{filter:brightness(1.05)}
.btn-small{padding:10px 14px;border-radius:6px}
.pad{padding:72px 0} .strip{padding:64px 0;background:var(--strip)}
h2{font-size:28px;margin:0 0 20px 0} h3{margin:0 0 10px 0}
.bullets{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.bullets li{padding-left:28px;position:relative}
.bullets li::before{content:"";position:absolute;left:0;top:10px;width:10px;height:10px;border-radius:50%;background:var(--blue)}
.grid{display:grid;gap:20px;grid-template-columns:repeat(1,minmax(0,1fr))}
@media (min-width:700px){.grid{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (min-width:1000px){.grid.cards{grid-template-columns:repeat(3,minmax(0,1fr))}}
.card{background:#fff;border:1px solid #E6E9EF;border-radius:12px;padding:18px;box-shadow:0 2px 8px rgba(0,0,0,.03)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:12px}
.steps li{background:#fff;border:1px solid #E6E9EF;border-radius:12px;padding:14px 16px}
.steps li strong{color:var(--navy)}
.muted{color:var(--muted)}
.contact{text-align:center} .contact .btn{margin-top:8px}
.site-footer{padding:30px 0;background:#0A2540;color:#fff;text-align:center}
.site-footer .muted{color:#D0D7E2}
@media (max-width: 900px){
  .nav{position:fixed;inset:68px 0 auto 0;background:#fff;border-bottom:1px solid #E6E9EF;padding:14px 20px;display:none;flex-direction:column;gap:12px}
  .nav.open{display:flex}
  .nav-toggle{display:block}
}
/* Contact form */
.form-card{background:#fff;border:1px solid #E6E9EF;border-radius:12px;padding:18px;margin-top:14px;box-shadow:0 2px 8px rgba(0,0,0,.03)}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:12px}
.field label{font-weight:600;color:var(--navy)}
.field input[type="text"],.field input[type="email"],.field input[type="tel"],.field textarea{width:100%;padding:12px 12px;border:1px solid #CFD6E4;border-radius:8px;font-size:16px}
.field textarea{resize:vertical}
.field.checkbox{flex-direction:row;align-items:center;gap:10px}
.field .error{color:#B42318;font-size:13px;min-height:16px}
.form-status{margin-top:10px;min-height:18px}
.grid.two{display:grid;grid-template-columns:1fr;gap:12px}
.hp{display:none !important}
@media (min-width:800px){.grid.two{grid-template-columns:1fr 1fr}}
.actions{display:flex;align-items:center;gap:12px;flex-wrap:wrap}