:root{
  --navy:#12324a; --blue:#1f6fb2; --accent:#f0a500; --ink:#1a2733; --muted:#5b6b78;
  --bg:#ffffff; --soft:#f4f8fb; --line:#e2ebf1;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--bg)}
a{color:inherit;text-decoration:none}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.btn{display:inline-block;padding:14px 24px;border-radius:8px;font-weight:700;font-size:1rem;cursor:pointer;border:0;text-align:center}
.btn-primary{background:var(--accent);color:#1a2733}
.btn-primary:hover{background:#d9930a}
.btn-ghost{background:transparent;color:#fff;border:2px solid #fff}
.btn-ghost:hover{background:rgba(255,255,255,.12)}
header{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff}
.bar{display:flex;align-items:center;justify-content:space-between;height:64px}
.brand{font-weight:800;font-size:1.15rem;letter-spacing:.2px}
.brand span{color:var(--accent)}
.nav-cta{display:flex;align-items:center;gap:14px}
.phone{font-weight:800;font-size:1.1rem;color:#fff;white-space:nowrap}
.phone small{display:block;font-weight:600;font-size:.65rem;color:#bcd3e6;letter-spacing:.5px;text-transform:uppercase}
@media(max-width:640px){.phone small{display:none}.brand{font-size:1rem}}
.hero{background:linear-gradient(135deg,#12324a 0%,#1f6fb2 100%);color:#fff;padding:64px 0 72px}
.hero h1{font-size:2.5rem;line-height:1.15;max-width:18ch;margin-bottom:16px}
.hero p.lead{font-size:1.2rem;max-width:56ch;color:#e7f1f8;margin-bottom:28px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
@media(max-width:640px){.hero h1{font-size:1.9rem}.hero{padding:44px 0 52px}}
section{padding:56px 0}
.soft{background:var(--soft)}
h2{font-size:1.6rem;color:var(--navy);margin:26px 0 10px}
section > .wrap > h2:first-child{margin-top:0}
.sub{color:var(--muted);max-width:60ch;margin-bottom:20px}
p{margin-bottom:14px;max-width:66ch}
.wrap ul{margin:0 0 16px 22px}
.wrap ul li{margin-bottom:6px}
a[href]{color:var(--blue);font-weight:600}
.hero a,.btn,.phone,footer a{color:inherit}
.hero a[href]{color:inherit}
.quote{background:var(--navy);color:#fff}
.quote .wrap{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:760px){.quote .wrap{grid-template-columns:1fr;gap:28px}}
.quote h2{color:#fff}
.quote a[href]{color:#fff}
.quote ul{list-style:none;margin:18px 0 0 0}
.quote ul li{padding:8px 0 8px 28px;position:relative;color:#dcebf5}
.quote ul li::before{content:"\2713";position:absolute;left:0;color:var(--accent);font-weight:800}
form{background:#fff;border-radius:12px;padding:26px;color:var(--ink)}
form label{display:block;font-weight:600;font-size:.9rem;margin:12px 0 5px;color:var(--navy)}
form input,form textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:8px;font-size:1rem;font-family:inherit}
form textarea{min-height:90px;resize:vertical}
form .btn{width:100%;margin-top:18px}
.fineprint{font-size:.78rem;color:var(--muted);margin-top:12px;text-align:center}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin-bottom:12px}
details summary{font-weight:700;color:var(--navy);cursor:pointer;list-style:none}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";float:right;color:var(--accent);font-weight:800}
details[open] summary::after{content:"\2013"}
details p{color:var(--muted);margin-top:10px}
footer{background:#0d2537;color:#9fb6c8;padding:40px 0;font-size:.9rem}
footer .fwrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:20px}
footer a[href]{color:#cfe0ee;font-weight:600}
footer .disc{max-width:70ch;margin-top:22px;font-size:.8rem;color:#6f8699;line-height:1.5}
.float-call{position:fixed;bottom:0;left:0;right:0;background:var(--accent);color:#1a2733;text-align:center;padding:14px;font-weight:800;font-size:1.05rem;z-index:60;display:none}
@media(max-width:640px){.float-call{display:block}body{padding-bottom:52px}}