:root{
  --blue:#064a7f;
  --blue-2:#0b5f96;
  --blue-3:#082f56;
  --cyan:#05a9d6;
  --turq:#14c4c3;
  --pink:#e61b72;
  --pink-dark:#c7125e;
  --ink:#183044;
  --muted:#617284;
  --bg:#f5f9fc;
  --line:#dce8f0;
  --white:#fff;
  --shadow:0 18px 50px rgba(2,55,94,.16);
  --radius:22px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.62}
img{max-width:100%;display:block}
a{color:inherit}
.container{width:min(var(--max),calc(100% - 40px));margin-inline:auto}
.narrow{width:min(900px,calc(100% - 40px));margin-inline:auto}
.skip-link{position:absolute;left:-999px;top:0;background:#fff;color:#000;padding:10px;z-index:10000}.skip-link:focus{left:10px;top:10px}
.topbar{background:var(--blue-3);color:#fff;font-size:.93rem}.topbar-inner{min-height:42px;display:flex;align-items:center;justify-content:space-between;gap:18px}.phone-link{font-weight:800;text-decoration:none;letter-spacing:.03em}.phone-link:hover{text-decoration:underline}
.nav-wrap{background:linear-gradient(90deg,var(--blue),var(--blue-2));position:sticky;top:0;z-index:100;box-shadow:0 8px 25px rgba(0,35,65,.14)}
.nav-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:26px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}.brand-plate{display:flex;align-items:center;justify-content:center;background:#fff;border:3px solid rgba(20,196,195,.85);border-radius:13px;padding:4px 10px;width:148px;height:58px;overflow:hidden}.brand-plate img{width:130px;height:auto}.brand-copy{display:flex;flex-direction:column;line-height:1.15}.brand-copy strong{font-size:1rem}.brand-copy small{font-size:.72rem;opacity:.82;margin-top:4px}
.mainnav{display:flex;align-items:center;gap:18px}.mainnav a{color:#fff;text-decoration:none;font-size:.91rem;font-weight:700;white-space:nowrap}.mainnav a:hover{text-decoration:underline}.nav-cta{background:var(--pink);padding:11px 17px;border-radius:999px;box-shadow:0 7px 18px rgba(230,27,114,.25)}.nav-cta:hover{background:var(--pink-dark);text-decoration:none!important}.menu-toggle{display:none;border:1px solid rgba(255,255,255,.35);background:transparent;color:#fff;border-radius:10px;padding:10px 12px;font-weight:800}
.hero{min-height:690px;position:relative;display:flex;align-items:center;overflow:hidden;background:var(--blue)}.hero-media{position:absolute;inset:0;background-image:url('https://images.pexels.com/photos/4623091/pexels-photo-4623091.jpeg?cs=srgb&dl=pexels-ketut-subiyanto-4623091.jpg&fm=jpg');background-size:cover;background-position:center 48%;transform:scale(1.02)}.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,50,91,.97) 0%,rgba(4,65,110,.91) 46%,rgba(4,65,110,.48) 72%,rgba(4,65,110,.20) 100%)}
.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.18fr .72fr;gap:58px;align-items:center;padding:74px 0}.hero-copy{color:#fff;max-width:720px}.eyebrow,.section-kicker{display:inline-block;font-weight:900;letter-spacing:.12em;font-size:.76rem;color:var(--cyan);margin-bottom:12px}.section-kicker.light{color:#92eff2}.hero h1{font-size:clamp(2.6rem,5.3vw,5.25rem);line-height:.98;margin:0 0 24px;letter-spacing:-.045em;max-width:780px}.hero-lead{font-size:1.2rem;max-width:720px;margin:0 0 24px;color:#e8f4fb}.hero-pills{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0 28px}.hero-pills span{background:rgba(255,255,255,.11);border:1px solid rgba(255,255,255,.2);padding:9px 12px;border-radius:999px;font-size:.87rem;font-weight:700;backdrop-filter:blur(6px)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;border:0;border-radius:999px;padding:14px 22px;font-weight:900;text-decoration:none;cursor:pointer;transition:.2s ease;font-size:.96rem}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--pink);color:#fff;box-shadow:0 10px 22px rgba(230,27,114,.25)}.btn-primary:hover{background:var(--pink-dark)}.btn-secondary{background:var(--blue);color:#fff}.btn-white{background:#fff;color:var(--blue);box-shadow:0 10px 24px rgba(0,0,0,.10)}.btn-ghost{color:#fff;border:1px solid rgba(255,255,255,.48);background:rgba(255,255,255,.07)}.btn-full{width:100%}
.lead-card{background:#fff;border-radius:24px;padding:28px;box-shadow:var(--shadow);border-top:6px solid var(--turq)}.lead-card h2{font-size:1.7rem;margin:4px 0 5px}.lead-card>p{margin:0 0 17px;color:var(--muted)}.mini-kicker{font-size:.72rem;font-weight:900;color:var(--pink);letter-spacing:.09em}.lead-form{display:grid;gap:13px}.lead-form label{font-size:.83rem;font-weight:800;color:#2b4457}.lead-form input,.lead-form select{display:block;width:100%;margin-top:6px;border:1px solid #cddce7;border-radius:11px;padding:12px 13px;font:inherit;background:#fff;color:var(--ink);outline:none}.lead-form input:focus,.lead-form select:focus{border-color:var(--cyan);box-shadow:0 0 0 3px rgba(5,169,214,.13)}.check{display:flex!important;gap:9px;align-items:flex-start;font-weight:500!important;font-size:.77rem!important;line-height:1.35}.check input{width:auto!important;margin:3px 0 0!important}.check a{color:var(--blue);font-weight:800}.hp-field{position:absolute;left:-9999px}
.stats-strip{background:#fff;border-bottom:1px solid var(--line);box-shadow:0 10px 35px rgba(5,75,120,.07)}.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);min-height:116px}.stats-grid article{display:flex;flex-direction:column;justify-content:center;padding:22px 24px;border-right:1px solid var(--line)}.stats-grid article:last-child{border-right:0}.stats-grid strong{font-size:2rem;line-height:1;color:var(--blue)}.stats-grid span{margin-top:8px;color:var(--muted);font-size:.88rem}
.section{padding:92px 0}.soft{background:var(--bg)}.section-heading{max-width:760px;margin-bottom:42px}.section-heading.center{text-align:center;margin-inline:auto;margin-bottom:48px}.section-heading h2,.content-block h2,.fiscal-copy h2,.coverage-heading h2,.contact-copy h2{font-size:clamp(2rem,4vw,3.4rem);line-height:1.05;letter-spacing:-.035em;margin:0 0 18px;color:var(--blue-3)}.section-heading p{font-size:1.05rem;color:var(--muted);margin:0}.split-grid{display:grid;grid-template-columns:1.08fr .82fr;gap:64px;align-items:center}.split-grid.reverse{grid-template-columns:.8fr 1.08fr}.content-block p{color:#435b6d;font-size:1.05rem}.inline-note{background:#e9f8fb;border-left:5px solid var(--cyan);padding:16px 18px;border-radius:0 12px 12px 0;margin:22px 0;color:#26485c}.text-link{font-weight:900;color:var(--pink);text-decoration:none}.text-link:hover{text-decoration:underline}.photo-card{margin:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);background:#fff}.photo-card img{width:100%;height:500px;object-fit:cover}.photo-card figcaption{padding:14px 16px;font-size:.83rem;color:var(--muted)}.photo-card.landscape img{height:480px}
.benefit-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.benefit-card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:0 12px 28px rgba(4,67,107,.06)}.benefit-card h3{margin:15px 0 9px;color:var(--blue-3)}.benefit-card p{margin:0;color:var(--muted);font-size:.93rem}.icon-badge{display:grid;place-items:center;width:46px;height:46px;border-radius:13px;background:linear-gradient(135deg,var(--cyan),var(--turq));color:#fff;font-size:1.28rem;font-weight:900}
.mode-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.mode-card{position:relative;border:1px solid var(--line);border-radius:20px;padding:28px;background:#fff;box-shadow:0 15px 35px rgba(4,67,107,.06)}.mode-card.featured{border:2px solid var(--cyan);box-shadow:0 17px 42px rgba(5,169,214,.14)}.mode-card h3{font-size:1.35rem;color:var(--blue-3);margin:11px 0}.mode-card p,.mode-card li{color:var(--muted)}.mode-card ul{padding-left:19px;margin:17px 0 0}.tag{display:inline-block;background:var(--pink);color:#fff;border-radius:999px;padding:5px 9px;font-size:.66rem;font-weight:900;letter-spacing:.08em}.tag.neutral{background:#e9f4f9;color:var(--blue)}
.coverage-section{background:linear-gradient(135deg,#053862,#0b6494);padding:92px 0;color:#fff;position:relative;overflow:hidden}.coverage-section:after{content:"";position:absolute;right:-150px;top:-160px;width:520px;height:520px;border:80px solid rgba(20,196,195,.09);border-radius:50%}.coverage-heading{max-width:760px;position:relative;z-index:1}.coverage-heading h2{color:#fff}.coverage-heading p{color:#dceef6}.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px;margin-top:38px;position:relative;z-index:1}.coverage-grid article{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);border-radius:17px;padding:22px;backdrop-filter:blur(5px)}.coverage-grid span{font-size:.74rem;font-weight:900;color:#8eeef0}.coverage-grid h3{margin:8px 0 7px;font-size:1.05rem}.coverage-grid p{margin:0;color:#d8e9f1;font-size:.89rem}.coverage-cta{text-align:center;margin-top:35px;position:relative;z-index:1}
.fiscal{background:#fff}.fiscal-grid{display:grid;grid-template-columns:1.08fr .78fr;gap:64px;align-items:center}.fiscal-copy p{color:var(--muted);font-size:1.02rem}.legal-chip{background:#f0f7fb;border:1px solid var(--line);border-radius:13px;padding:14px 15px;color:#506778;font-size:.86rem;margin-top:20px}.calculator{background:linear-gradient(180deg,#f7fbfd,#fff);border:1px solid var(--line);border-radius:22px;padding:27px;box-shadow:var(--shadow)}.calculator h3{font-size:1.45rem;margin:0 0 4px;color:var(--blue)}.calculator>p{margin:0 0 18px;color:var(--muted);font-size:.9rem}.calculator label:not(.check){display:block;font-size:.82rem;font-weight:800;margin:11px 0}.calculator input[type=number]{display:block;width:100%;margin-top:6px;border:1px solid #cadbe7;border-radius:10px;padding:11px 12px;font:inherit}.calc-check{margin:15px 0}.calc-result{display:grid;grid-template-columns:1fr auto;gap:9px 14px;background:#073f70;color:#fff;padding:18px;border-radius:14px;margin:15px 0}.calc-result span{font-size:.84rem;color:#cce6f3}.calc-result strong{font-size:1.03rem}.calculator small{color:var(--muted);display:block;line-height:1.45}
.tick-list{list-style:none;padding:0;margin:22px 0}.tick-list li{position:relative;padding-left:28px;margin:11px 0;color:#435a6c}.tick-list li:before{content:"✓";position:absolute;left:0;top:0;color:var(--turq);font-weight:900}.image-split{background:var(--bg)}
.process-section{padding:86px 0;background:var(--blue-3);color:#fff}.process-section .section-heading h2{color:#fff}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}.process-grid article{position:relative;padding:26px;background:rgba(255,255,255,.075);border:1px solid rgba(255,255,255,.12);border-radius:17px}.process-grid article span{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--pink);font-weight:900}.process-grid h3{margin:15px 0 8px}.process-grid p{margin:0;color:#d6e7ef;font-size:.9rem}
.two-panel{display:grid;grid-template-columns:1fr 1fr;gap:22px}.panel{border-radius:20px;padding:30px;border:1px solid var(--line);background:#fff;box-shadow:0 14px 30px rgba(5,68,105,.06)}.panel.accent{background:#ecf9fb;border-color:#bdecef}.panel h3{font-size:1.45rem;margin-top:0;color:var(--blue-3)}
.cta-band{background:linear-gradient(90deg,var(--turq),var(--cyan));color:#06354f;padding:30px 0}.cta-band-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}.cta-band-inner div{display:flex;flex-direction:column}.cta-band-inner span{font-size:.92rem;font-weight:700}.cta-band-inner strong{font-size:1.55rem;line-height:1.2;margin-top:4px}
.faq{background:var(--bg)}.accordion{display:grid;gap:10px}.accordion details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 18px}.accordion summary{cursor:pointer;font-weight:900;color:var(--blue-3);padding:18px 34px 18px 0;position:relative;list-style:none}.accordion summary::-webkit-details-marker{display:none}.accordion summary:after{content:"+";position:absolute;right:0;top:13px;font-size:1.6rem;color:var(--pink)}.accordion details[open] summary:after{content:"–"}.accordion p{margin:0 0 18px;color:var(--muted)}
.contact-section{background:linear-gradient(135deg,#063b68,#0d6f9e);padding:88px 0;color:#fff}.contact-grid{display:grid;grid-template-columns:1fr .82fr;gap:70px;align-items:center}.contact-copy h2{color:#fff}.contact-copy p{color:#d9ecf5;font-size:1.05rem}.big-phone{display:inline-block;font-size:clamp(2rem,5vw,4rem);font-weight:900;line-height:1;color:#fff;text-decoration:none;margin:20px 0}.contact-hours{font-size:.85rem!important}.bottom-form{background:#fff;border-radius:22px;padding:26px;box-shadow:var(--shadow)}
.footer{background:#061f35;color:#c8d6df;padding:52px 0 90px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:30px}.footer-grid>div{display:flex;flex-direction:column;gap:8px}.footer-grid strong,.footer-brand{color:#fff;font-weight:900}.footer-grid a{text-decoration:none;color:#c8d6df;font-size:.9rem}.footer-grid a:hover{color:#fff;text-decoration:underline}.footer-grid p{margin:3px 0 0;font-size:.89rem}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:20px;font-size:.76rem;color:#8fa4b4}.footer-bottom p{margin:5px 0}
.sticky-call{position:fixed;right:20px;bottom:20px;z-index:120}.sticky-call a{display:grid;grid-template-columns:auto auto;column-gap:9px;align-items:center;background:var(--pink);color:#fff;text-decoration:none;padding:11px 16px;border-radius:18px;box-shadow:0 12px 28px rgba(0,0,0,.22)}.sticky-call span{grid-row:1/3;font-size:1.45rem}.sticky-call strong{font-size:.98rem}.sticky-call small{font-size:.68rem;opacity:.82}
.cookie-banner{position:fixed;left:18px;right:18px;bottom:18px;z-index:200;background:#fff;color:var(--ink);box-shadow:0 18px 55px rgba(0,0,0,.22);border:1px solid var(--line);border-radius:16px;padding:16px 18px;display:flex;align-items:center;justify-content:space-between;gap:18px;max-width:900px;margin:auto}.cookie-banner p{margin:0;font-size:.83rem}.cookie-banner a{color:var(--blue);font-weight:800}.cookie-banner.hidden{display:none}
@media (max-width:1050px){.mainnav{position:absolute;left:0;right:0;top:82px;background:#075386;padding:18px 20px;display:none;flex-direction:column;align-items:flex-start;box-shadow:0 18px 30px rgba(0,0,0,.18)}.mainnav.open{display:flex}.menu-toggle{display:block}.brand-copy{display:none}.hero-grid{grid-template-columns:1fr .8fr;gap:30px}.hero h1{font-size:3.6rem}.benefit-grid,.coverage-grid,.process-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:820px){.topbar-copy{display:none}.hero{min-height:auto}.hero-media{background-position:64% center}.hero-overlay{background:linear-gradient(180deg,rgba(4,50,91,.91),rgba(4,50,91,.98))}.hero-grid{grid-template-columns:1fr;padding:58px 0}.hero-copy{max-width:none}.hero h1{font-size:clamp(2.7rem,11vw,4rem)}.lead-card{max-width:560px}.stats-grid{grid-template-columns:repeat(2,1fr)}.stats-grid article:nth-child(2){border-right:0}.split-grid,.split-grid.reverse,.fiscal-grid,.contact-grid{grid-template-columns:1fr}.photo-card{max-width:620px}.mode-grid{grid-template-columns:1fr}.two-panel{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr 1fr}.cta-band-inner{flex-direction:column;align-items:flex-start}.section{padding:70px 0}}
@media (max-width:560px){.container,.narrow{width:min(100% - 28px,var(--max))}.nav-inner{min-height:72px}.brand-plate{width:126px;height:52px}.brand-plate img{width:112px}.mainnav{top:72px}.hero-grid{padding:42px 0}.hero-lead{font-size:1.04rem}.hero-actions{flex-direction:column;align-items:stretch}.hero-actions .btn{width:100%}.lead-card{padding:20px}.stats-grid{grid-template-columns:1fr 1fr}.stats-grid article{padding:18px 14px}.stats-grid strong{font-size:1.55rem}.benefit-grid,.coverage-grid,.process-grid{grid-template-columns:1fr}.photo-card img,.photo-card.landscape img{height:380px}.section-heading h2,.content-block h2,.fiscal-copy h2,.coverage-heading h2,.contact-copy h2{font-size:2.25rem}.footer-grid{grid-template-columns:1fr}.sticky-call{right:12px;bottom:12px}.cookie-banner{left:10px;right:10px;bottom:10px;flex-direction:column;align-items:stretch}.cookie-banner .btn{width:100%}}