:root {
  --navy: #073B4C;
  --navy-light: #118AB2;
  --orange: #0891B2;
  --grey: #BFD7DC;
  --bg: #FFFFFF;
  --text: #1A1F29;
  --max-width: 1140px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: -apple-system, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.6;
}
.wrap { max-width: var(--max-width); margin: 0 auto; padding: 0 20px; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--orange); }
h1, h2, h3 { color: var(--navy); line-height: 1.25; }
h1 { font-size: 2.2rem; margin: 0 0 16px; }
h2 { font-size: 1.6rem; margin: 0 0 16px; }
h3 { font-size: 1.15rem; margin: 0 0 8px; }
.section { padding: 48px 20px; }
.lede { font-size: 1.15rem; color: #3A4150; max-width: 760px; }

.site-header { border-bottom: 1px solid #EEF0F3; position: sticky; top: 0; background: #fff; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 20px; }
.logo img { display: block; }
.nav-toggle { display: none; flex-direction: column; gap: 4px; background: none; border: 0; cursor: pointer; padding: 8px; }
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); display: block; }
.primary-nav { display: flex; align-items: center; gap: 24px; }
.primary-nav ul { display: flex; gap: 20px; list-style: none; margin: 0; padding: 0; }
.primary-nav li { position: relative; }
.primary-nav a { font-weight: 600; font-size: 0.95rem; color: var(--navy); }
.primary-nav .subnav { display: none; position: absolute; top: 100%; left: 0; background: #fff; border: 1px solid #EEF0F3; box-shadow: 0 8px 20px rgba(0,0,0,.08); min-width: 220px; list-style: none; padding: 8px 0; margin: 0; border-radius: 6px; }
.primary-nav .has-sub:hover .subnav, .primary-nav .has-sub:focus-within .subnav { display: block; }
.primary-nav .subnav li { padding: 0; }
.primary-nav .subnav a { display: block; padding: 8px 16px; font-weight: 500; }
.nav-cta { background: var(--orange); color: #fff !important; padding: 10px 18px; border-radius: 6px; }
.nav-phone { font-weight: 700; font-size: 0.95rem; color: var(--navy); white-space: nowrap; }
.nav-phone:hover { color: var(--orange); }

.btn { display: inline-block; padding: 12px 22px; border-radius: 6px; font-weight: 700; text-decoration: none; border: 2px solid transparent; }
.btn-primary { background: var(--orange); color: #fff; }
.btn-primary:hover { background: #066f87; color: #fff; }
.btn-secondary { border-color: var(--navy); color: var(--navy); }
.btn-secondary:hover { background: var(--navy); color: #fff; }
.cta-row { display: flex; gap: 16px; margin-top: 24px; flex-wrap: wrap; }

.hero { background: linear-gradient(180deg, #F6F8FB 0%, #FFFFFF 100%); }
.hero-inner { display: flex; align-items: center; gap: 40px; padding: 60px 20px; flex-wrap: wrap; }
.hero-inner > div:first-child { flex: 1 1 420px; }
.hero-img { flex: 1 1 360px; max-width: 460px; height: auto; }

.card-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; }
.card-grid.two-col { grid-template-columns: repeat(2, 1fr); }
.card { display: block; background: #F6F8FB; border-radius: 8px; padding: 22px; border: 1px solid #EEF0F3; }
.card:hover { border-color: var(--orange); }
.card p { color: #3A4150; font-size: 0.95rem; margin: 0; }

.section-trust { background: #F6F8FB; }
.logo-strip { display: flex; flex-wrap: wrap; gap: 28px; list-style: none; padding: 0; margin: 20px 0; font-weight: 700; color: var(--navy-light); }
.link-arrow { font-weight: 700; }

.cta-banner { background: var(--navy); color: #fff; text-align: center; border-radius: 10px; margin: 0 20px 48px; }
.cta-banner h2 { color: #fff; }
.cta-banner .btn-primary { margin-top: 10px; }

.page-header { padding-bottom: 0; }
.breadcrumb { font-size: 0.85rem; color: #6B7280; margin-bottom: 8px; }

.steps { padding-left: 20px; }
.steps li { margin-bottom: 12px; }
.check-list { list-style: none; padding: 0; }
.check-list li { padding-left: 28px; position: relative; margin-bottom: 10px; }
.check-list li::before { content: "\2713"; position: absolute; left: 0; color: var(--orange); font-weight: 700; }

.faq-list .faq-item { border-bottom: 1px solid #EEF0F3; padding: 18px 0; }
.faq-item h3 { font-size: 1.05rem; }
.faq-item p { margin: 0; color: #3A4150; }

.contact-grid { display: grid; grid-template-columns: 1fr 1.3fr; gap: 40px; }
.contact-form { display: flex; flex-direction: column; gap: 10px; }
.contact-form label { font-weight: 600; font-size: 0.9rem; }
.contact-form input, .contact-form textarea, .contact-form select { padding: 10px 12px; border: 1px solid #BFD7DC; border-radius: 6px; font-family: inherit; font-size: 1rem; background: #fff; }
.form-note { font-size: 0.85rem; color: #6B7280; }
.note { font-size: 0.9rem; color: #6B7280; }

.site-footer { background: var(--navy); color: #BFD7DC; margin-top: 40px; }
.footer-inner { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 32px; padding: 48px 20px; }
.footer-col h2 { color: #fff; font-size: 1rem; margin-bottom: 12px; }
.footer-col ul { list-style: none; padding: 0; margin: 0; display: flex; flex-direction: column; gap: 8px; }
.footer-col a { color: #BFD7DC; }
.footer-col a:hover { color: var(--orange); }
.footer-nap { font-size: 0.9rem; margin-top: 14px; }
.footer-social { margin-top: 14px; display: flex; gap: 14px; }
.footer-social a { display: inline-flex; color: #BFD7DC; }
.footer-social a:hover { color: var(--orange); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.1); padding: 16px 20px; font-size: 0.85rem; }

@media (max-width: 860px) {
  .card-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-inner { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
}
@media (max-width: 640px) {
  .nav-toggle { display: flex; }
  .primary-nav { display: none; position: absolute; top: 100%; left: 0; right: 0; background: #fff; flex-direction: column; align-items: stretch; border-bottom: 1px solid #EEF0F3; padding: 16px 20px; gap: 16px; }
  .primary-nav.open { display: flex; }
  .primary-nav ul { flex-direction: column; gap: 4px; }
  .primary-nav .subnav { position: static; display: block; box-shadow: none; border: none; padding-left: 12px; }
  .primary-nav .has-sub:hover .subnav { display: block; }
  .nav-cta { text-align: center; }
  .card-grid, .card-grid.two-col { grid-template-columns: 1fr; }
  h1 { font-size: 1.7rem; }
}