:root {
  --color-primary: #1455d9;
  --color-primary-dark: #0b2d68;
  --color-primary-deep: #081b36;
  --color-primary-light: #eaf2ff;
  --color-text: #152238;
  --color-muted: #5f6d82;
  --color-white: #fff;
  --color-background: #f7f9fc;
  --color-border: #dfe6ef;
  --color-success: #087f5b;
  --shadow-sm: 0 8px 24px rgba(12, 34, 67, .07);
  --shadow-md: 0 18px 48px rgba(12, 34, 67, .11);
  --radius-sm: 10px;
  --radius-md: 16px;
  --radius-lg: 24px;
  --container: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--color-text);
  background: var(--color-white);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}
img { max-width: 100%; display: block; }
a { color: inherit; }
button, input, select, textarea { font: inherit; }
button, a { -webkit-tap-highlight-color: transparent; }
:focus-visible { outline: 3px solid rgba(20,85,217,.35); outline-offset: 3px; }

.container { width: min(var(--container), calc(100% - 32px)); margin-inline: auto; }
.section { padding: 88px 0; }
.section-soft { background: var(--color-background); }

.skip-link {
  position: fixed; left: 16px; top: -60px; z-index: 1000;
  background: var(--color-primary-deep); color: #fff; padding: 10px 14px; border-radius: 8px;
}
.skip-link:focus { top: 16px; }

.site-header {
  position: sticky; top: 0; z-index: 50;
  background: rgba(255,255,255,.96);
  border-bottom: 1px solid rgba(223,230,239,.8);
  backdrop-filter: blur(10px);
}
.header-inner { min-height: 74px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { display: inline-flex; align-items: center; gap: 10px; text-decoration: none; font-weight: 800; letter-spacing: -.04em; }
.brand-mark {
  display: grid; place-items: center; width: 36px; height: 36px; border-radius: 10px;
  color: #fff; background: var(--color-primary-deep); font-size: 19px; font-weight: 900;
}
.brand-name { font-size: 20px; color: var(--color-primary-deep); }
.brand-name span { color: var(--color-primary); }

.primary-nav { display: flex; align-items: center; gap: 26px; }
.primary-nav a { text-decoration: none; font-size: 14px; font-weight: 650; color: #33435b; }
.primary-nav a:hover { color: var(--color-primary); }
.primary-nav .nav-cta { color: #fff; background: var(--color-primary); padding: 10px 16px; border-radius: 9px; }
.menu-toggle { display: none; border: 0; background: transparent; padding: 8px; cursor: pointer; }
.menu-toggle span { display: block; width: 24px; height: 2px; margin: 5px; background: var(--color-primary-deep); }

.hero {
  background:
    radial-gradient(circle at 85% 20%, rgba(20,85,217,.12), transparent 30%),
    linear-gradient(180deg, #f8fbff 0%, #fff 70%);
  padding-top: 72px;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; align-items: center; gap: 72px; }
.eyebrow { margin: 0 0 14px; color: var(--color-primary); font-size: 12px; font-weight: 800; letter-spacing: .14em; }
.hero h1 { max-width: 700px; margin: 0; font-size: clamp(42px, 6vw, 68px); line-height: 1.02; letter-spacing: -.055em; color: var(--color-primary-deep); }
.hero-lead { max-width: 620px; margin: 24px 0 0; color: var(--color-muted); font-size: 18px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 30px; }
.button {
  display: inline-flex; min-height: 48px; align-items: center; justify-content: center;
  border: 1px solid transparent; border-radius: 10px; padding: 12px 18px;
  font-weight: 750; text-decoration: none; cursor: pointer; transition: transform .18s ease, background .18s ease, border-color .18s ease;
}
.button:hover { transform: translateY(-1px); }
.button-primary { color: #fff; background: var(--color-primary); }
.button-primary:hover { background: #104bc0; }
.button-secondary { color: var(--color-primary-deep); background: #fff; border-color: var(--color-border); }
.button-secondary:hover { border-color: #a9b8cd; }
.button-full { width: 100%; }

.hero-points { display: flex; flex-wrap: wrap; gap: 14px 22px; padding: 0; margin: 25px 0 0; list-style: none; color: #415069; font-size: 14px; }
.hero-points li span { color: var(--color-success); font-weight: 900; margin-right: 5px; }

.quote-card {
  padding: 28px; border: 1px solid var(--color-border); border-radius: var(--radius-lg);
  background: #fff; box-shadow: var(--shadow-md);
}
.card-kicker { color: var(--color-primary); font-size: 11px; font-weight: 800; letter-spacing: .14em; }
.quote-card h2 { margin: 6px 0 7px; font-size: 27px; line-height: 1.2; letter-spacing: -.03em; }
.quote-card > p { margin: 0 0 20px; color: var(--color-muted); font-size: 14px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
.field { margin-bottom: 14px; }
.field label { display: block; margin-bottom: 6px; font-size: 13px; font-weight: 700; }
.field label span { color: var(--color-muted); font-weight: 500; }
.field input, .field select, .field textarea {
  width: 100%; border: 1px solid #cfd9e6; border-radius: 9px; background: #fff; color: var(--color-text);
  padding: 11px 12px; min-height: 44px; outline: none;
}
.field textarea { resize: vertical; min-height: 82px; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--color-primary); box-shadow: 0 0 0 3px rgba(20,85,217,.1); }
.field.invalid input, .field.invalid select, .field.invalid textarea { border-color: #c92a2a; }
.field-error { display: block; min-height: 16px; margin-top: 4px; color: #b42318; font-size: 11px; }
.form-status { min-height: 22px; margin: 10px 0 0; color: var(--color-success); font-size: 13px; font-weight: 650; }

.trust-strip { border-block: 1px solid var(--color-border); background: #fff; }
.trust-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.trust-grid > div { padding: 25px 28px; border-right: 1px solid var(--color-border); }
.trust-grid > div:last-child { border-right: 0; }
.trust-grid strong, .trust-grid span { display: block; }
.trust-grid strong { font-size: 15px; }
.trust-grid span { margin-top: 3px; color: var(--color-muted); font-size: 13px; }

.section-heading { max-width: 700px; margin-bottom: 38px; }
.section-heading.centered { margin-inline: auto; text-align: center; }
.section-heading h2, .business-grid h2, .coverage-grid h2, .final-cta h2 { margin: 0; color: var(--color-primary-deep); font-size: clamp(31px, 4vw, 45px); line-height: 1.1; letter-spacing: -.045em; }
.section-heading > p:last-child, .business-lead, .coverage-grid > div > p:last-child { color: var(--color-muted); margin: 14px 0 0; }

.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.service-card {
  min-height: 210px; padding: 24px; border: 1px solid var(--color-border); border-radius: var(--radius-md);
  background: #fff; transition: transform .18s ease, box-shadow .18s ease, border-color .18s ease;
}
.service-card:hover { transform: translateY(-3px); border-color: #c6d4e6; box-shadow: var(--shadow-sm); }
.service-card-wide { grid-column: span 3; min-height: auto; }
.icon-box {
  display: grid; place-items: center; width: 40px; height: 40px; border-radius: 10px;
  color: var(--color-primary); background: var(--color-primary-light); font-size: 16px; font-weight: 850;
}
.service-card h3, .feature-grid h3 { margin: 20px 0 8px; font-size: 18px; line-height: 1.25; }
.service-card p, .feature-grid p { margin: 0; color: var(--color-muted); font-size: 14px; }

.feature-grid { display: grid; grid-template-columns: repeat(3, 1fr); border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; background: #fff; }
.feature-grid article { padding: 28px; border-right: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.feature-grid article:nth-child(3n) { border-right: 0; }
.feature-grid article:nth-last-child(-n+3) { border-bottom: 0; }
.feature-grid article > span { color: var(--color-primary); font-size: 12px; font-weight: 850; }

.business-section { background: var(--color-primary-deep); color: #fff; }
.business-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 70px; align-items: center; }
.business-grid h2 { color: #fff; }
.business-grid .eyebrow { color: #7eb0ff; }
.business-lead { color: #c4d2e7; max-width: 680px; }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: 10px 25px; padding: 0; margin: 26px 0 30px; list-style: none; color: #e5edf8; }
.check-list li::before { content: "✓"; margin-right: 8px; color: #78b0ff; font-weight: 900; }
.business-panel { min-height: 300px; display: flex; flex-direction: column; justify-content: flex-end; padding: 30px; border: 1px solid rgba(255,255,255,.16); border-radius: var(--radius-lg); background: rgba(255,255,255,.05); }
.panel-number { color: #78b0ff; font-size: 13px; font-weight: 850; letter-spacing: .15em; }
.business-panel h3 { margin: 10px 0; font-size: 28px; line-height: 1.15; }
.business-panel p { margin: 0; color: #bdcbe0; }

.coverage-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: center; }
.coverage-list { display: grid; grid-template-columns: 1fr 1fr; border: 1px solid var(--color-border); border-radius: var(--radius-md); overflow: hidden; background: #fff; }
.coverage-list div { padding: 23px; border-right: 1px solid var(--color-border); border-bottom: 1px solid var(--color-border); }
.coverage-list div:nth-child(2n) { border-right: 0; }
.coverage-list div:nth-last-child(-n+2) { border-bottom: 0; }
.coverage-list strong, .coverage-list span { display: block; }
.coverage-list span { margin-top: 4px; color: var(--color-muted); font-size: 13px; }

.testimonial-placeholder {
  max-width: 780px; margin: 0 auto; padding: 48px 28px; text-align: center;
  border: 1px dashed #bfcbd9; border-radius: var(--radius-lg); background: var(--color-background);
}
.placeholder-icon { color: var(--color-primary); font-size: 42px; line-height: 1; }
.testimonial-placeholder h3 { margin: 14px 0 6px; }
.testimonial-placeholder p { max-width: 570px; margin: 0 auto 10px; color: var(--color-muted); }
.testimonial-placeholder small { color: #758297; }

.faq-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 70px; align-items: start; }
.faq-list details { border-top: 1px solid var(--color-border); }
.faq-list details:last-child { border-bottom: 1px solid var(--color-border); }
.faq-list summary { padding: 20px 4px; cursor: pointer; font-weight: 750; list-style: none; }
.faq-list summary::-webkit-details-marker { display: none; }
.faq-list summary::after { content: "+"; float: right; color: var(--color-primary); font-size: 20px; font-weight: 500; }
.faq-list details[open] summary::after { content: "−"; }
.faq-list details p { margin: -5px 28px 20px 4px; color: var(--color-muted); font-size: 14px; }

.final-cta { padding: 58px 0; background: var(--color-primary); color: #fff; }
.final-cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 40px; }
.final-cta .eyebrow { color: #c6dcff; }
.final-cta h2 { color: #fff; }
.final-cta p:last-child { margin: 12px 0 0; color: #dce9ff; }
.final-actions { display: flex; flex-wrap: wrap; gap: 10px; }
.button-light { background: #fff; color: var(--color-primary-deep); }
.button-outline-light { color: #fff; border-color: rgba(255,255,255,.55); }

.site-footer { background: #07162b; color: #dbe5f3; padding: 55px 0 20px; }
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1fr 1.1fr; gap: 40px; }
.brand-footer { color: #fff; }
.footer-grid p { max-width: 330px; color: #91a3bc; font-size: 14px; }
.footer-grid h2 { margin: 0 0 12px; color: #fff; font-size: 14px; }
.footer-grid a, .footer-placeholder { display: block; width: fit-content; margin: 7px 0; color: #aebdd0; text-decoration: none; font-size: 13px; }
.footer-grid a:hover { color: #fff; }
.footer-bottom { display: flex; justify-content: space-between; gap: 20px; margin-top: 40px; padding-top: 18px; border-top: 1px solid rgba(255,255,255,.1); color: #7f91aa; font-size: 12px; }
.footer-bottom a { color: #9fb0c7; }

@media (max-width: 900px) {
  .primary-nav { gap: 16px; }
  .hero-grid, .business-grid, .coverage-grid, .faq-grid { grid-template-columns: 1fr; gap: 40px; }
  .hero-copy { max-width: 760px; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .service-card-wide { grid-column: span 2; }
  .feature-grid { grid-template-columns: repeat(2, 1fr); }
  .feature-grid article:nth-child(3n) { border-right: 1px solid var(--color-border); }
  .feature-grid article:nth-child(2n) { border-right: 0; }
  .feature-grid article:nth-last-child(-n+3) { border-bottom: 1px solid var(--color-border); }
  .feature-grid article:nth-last-child(-n+2) { border-bottom: 0; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .container { width: min(var(--container), calc(100% - 24px)); }
  .section { padding: 64px 0; }
  .header-inner { min-height: 66px; }
  .menu-toggle { display: block; }
  .primary-nav {
    position: absolute; left: 12px; right: 12px; top: calc(100% + 8px);
    display: none; flex-direction: column; align-items: stretch; gap: 0;
    padding: 8px; border: 1px solid var(--color-border); border-radius: 14px; background: #fff; box-shadow: var(--shadow-md);
  }
  .primary-nav.is-open { display: flex; }
  .primary-nav a { padding: 12px; }
  .primary-nav .nav-cta { text-align: center; margin-top: 5px; }
  .hero { padding-top: 48px; }
  .hero h1 { font-size: clamp(39px, 12vw, 56px); }
  .hero-lead { font-size: 16px; }
  .hero-actions, .final-actions { display: grid; grid-template-columns: 1fr; }
  .hero-actions .button, .final-actions .button { width: 100%; }
  .quote-card { padding: 20px; }
  .form-grid, .trust-grid, .service-grid, .feature-grid, .coverage-list, .footer-grid { grid-template-columns: 1fr; }
  .service-card-wide { grid-column: auto; }
  .feature-grid article, .feature-grid article:nth-child(2n), .feature-grid article:nth-child(3n) { border-right: 0; border-bottom: 1px solid var(--color-border); }
  .feature-grid article:last-child { border-bottom: 0; }
  .trust-grid > div { border-right: 0; border-bottom: 1px solid var(--color-border); }
  .trust-grid > div:last-child { border-bottom: 0; }
  .coverage-list div, .coverage-list div:nth-child(2n) { border-right: 0; border-bottom: 1px solid var(--color-border); }
  .coverage-list div:last-child { border-bottom: 0; }
  .check-list { grid-template-columns: 1fr; }
  .business-panel { min-height: 240px; }
  .final-cta-inner { align-items: stretch; flex-direction: column; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
}