* { box-sizing: border-box; }
html, body { margin: 0; font-family: ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial; color: #0f172a; }
a { color: inherit; text-decoration: none; }
img { display:block; }
.wrap { max-width: 1120px; margin: 0 auto; padding: 0 1rem; }
.scroll-smooth { scroll-behavior: smooth; }
.nav { position: sticky; top: 0; z-index: 50; backdrop-filter: blur(6px); background: rgba(255,255,255,0.85); border-bottom: 1px solid #e2e8f0; }
.nav-inner { height: 56px; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.brand { display:flex; align-items:center; gap:.5rem; font-weight:600; color:#1f2937; }
.nav-links { display:none; gap:1.25rem; font-size: .9rem; color:#64748b; }
.nav-links a:hover { color: #0A3D91; }
@media (min-width: 768px) { .nav-links { display:flex; } }
.small a { font-size: .9rem; }
.btn { display:inline-flex; align-items:center; justify-content:center; border-radius: 12px; padding: .65rem 1rem; font-weight: 600; transition: .15s ease; }
.btn-primary { background: #0A3D91; color: #fff; }
.btn-primary:hover { background: rgba(10,61,145, .9); }
.btn-outline { border: 1px solid #0A3D91; color: #0A3D91; }
.btn-outline:hover { background: rgba(10,61,145,.06); }
.btn.small { padding: .35rem .6rem; border-radius: 10px; font-weight: 500; }
.hero { padding: 4rem 0 3rem; background: #fff; }
.pill { display:inline-flex; align-items:center; gap:.5rem; background:#fff; border:1px solid #0A3D91; color:#0A3D91; border-radius: 999px; padding:.25rem .65rem; font-size: .75rem; font-weight:600; }
.hero h1 { margin: .75rem 0 0; font-size: clamp(2rem, 4vw, 3.25rem); color: #0A3D91; font-weight: 700; line-height: 1.1; }
.lede { margin-top:.75rem; color:#475569; max-width: 60ch; }
.cta-row { display:flex; gap:.75rem; flex-wrap:wrap; margin-top: 1rem; }
.badges { list-style:none; padding:0; display:grid; grid-template-columns: repeat(2,minmax(0,1fr)); gap:.5rem; margin-top: 1rem; color:#475569; font-size: .95rem; }
.section { padding: 3rem 0; background:#fff; }
.section-border { border-top:1px solid #e2e8f0; border-bottom:1px solid #e2e8f0; }
h2 { font-size: clamp(1.6rem, 3vw, 2rem); margin:0; font-weight: 700; color:#0f172a; }
h3 { margin:.25rem 0 0; font-size: 1.1rem; font-weight: 700; color:#0f172a; }
.cards { display:grid; gap: 1rem; margin-top: 1rem; }
.cards.two { grid-template-columns: 1fr; }
@media (min-width: 768px) { .cards.two { grid-template-columns: repeat(2, minmax(0,1fr)); } }
.card { border:1px solid #e2e8f0; border-radius: 16px; background:#fff; padding: 1rem; }
.card.linkish { font-weight:600; color: #0A3D91; display:flex; align-items:center; justify-content:center; height:52px; }
.icon-illus svg { width: 96px; height: 60px; stroke: #0A3D91; fill: none; stroke-width: 2px; opacity: .95; }
.list { margin:.5rem 0 0; padding-left: 1.1rem; color:#334155; }
.list li { margin:.25rem 0; }
.steps { list-style:none; padding:0; display:grid; gap:1rem; margin-top: 1rem; grid-template-columns: 1fr; }
@media (min-width: 768px) { .steps.three { grid-template-columns: repeat(3, minmax(0,1fr)); } }
.step-icon { font-size: 28px; }
.step-title { font-weight:700; margin-top:.25rem; }
.faqs details { border-bottom: 1px solid #e2e8f0; padding: .75rem 0; }
.faqs summary { cursor: pointer; font-weight:600; color:#0f172a; }
.faqs p { color:#475569; margin: .5rem 0 0; }
.contact-grid { margin-top: 1rem; display:grid; gap: 1rem; grid-template-columns: 1fr; }
@media (min-width: 768px) { .contact-grid { grid-template-columns: 1fr 1fr; } }
.quote-form { border:1px solid #e2e8f0; border-radius: 16px; background:#fff; padding: 1rem; display:grid; gap:.6rem; }
.quote-form input, .quote-form textarea { width:100%; border:1px solid #cbd5e1; border-radius: 12px; padding:.6rem .75rem; font-size: 1rem; }
.contact-cards { display:grid; gap:.75rem; }
.icon { margin-right: .4rem; }
.footer { border-top:1px solid #e2e8f0; padding: 2rem 0; background:#fff; color:#64748b; }
.footer-inner { display:flex; align-items:center; justify-content:space-between; gap:1rem; flex-wrap:wrap; }
.footer .brand { color:#475569; }
.footer .nav-links a:hover { color: #0A3D91; }