:root{
  --navy:#0e2138;--navy-2:#16304f;--orange:#f28a1f;--orange-dark:#d4730f;
  --ink:#16202c;--muted:#5a6575;--line:#e4e8ee;--bg:#f5f7fa;--white:#fff;
  --radius:14px;--shadow:0 10px 30px rgba(14,33,56,.10);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 "Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
a{color:inherit}
img{max-width:100%;display:block}
.wrap{max-width:1120px;margin:0 auto;padding:0 16px}

/* top bar */
.topbar{background:var(--white);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.topbar .wrap{display:flex;align-items:center;justify-content:space-between;height:64px;gap:12px}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:18px;color:var(--navy);text-decoration:none;letter-spacing:-.01em}
.logo-mark{width:34px;height:34px;border-radius:9px;background:var(--navy);display:grid;place-items:center}
.logo-mark svg{width:20px;height:20px}
.logo b{color:var(--orange)}
.top-call{display:flex;align-items:center;gap:8px;background:var(--orange);color:var(--navy);font-weight:800;text-decoration:none;padding:10px 16px;border-radius:10px;font-size:16px;white-space:nowrap}
.top-call svg{width:18px;height:18px;flex:none}
.top-call:hover{background:var(--orange-dark);color:var(--white)}

/* hero */
.hero{position:relative;color:var(--white);background-color:var(--navy);
  background-image:linear-gradient(100deg,rgba(14,33,56,.96) 0%,rgba(14,33,56,.86) 45%,rgba(14,33,56,.55) 100%),var(--hero-img,none);
  background-size:cover;background-position:center;padding:56px 0 60px}
.eyebrow{display:inline-block;font-size:13px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--orange);margin:0 0 14px}
h1{font-size:46px;line-height:1.08;margin:0 0 16px;font-weight:800;letter-spacing:-.02em;max-width:720px}
.sub{font-size:19px;margin:0 0 26px;color:#d6e0ec;max-width:600px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;background:var(--orange);color:var(--navy);text-decoration:none;font-weight:800;font-size:20px;padding:17px 28px;border-radius:12px;box-shadow:0 8px 20px rgba(242,138,31,.35);transition:transform .15s,background .15s}
.btn:hover{background:var(--orange-dark);color:var(--white);transform:translateY(-1px)}
.btn svg{width:22px;height:22px}
.hours{font-size:14px;color:#b9c7d8;margin:12px 0 0}
.proof{display:flex;flex-wrap:wrap;gap:10px;margin:26px 0 0;padding:0;list-style:none}
.proof li{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);border-radius:999px;padding:7px 14px;font-size:14px;font-weight:600}
.proof li::before{content:"\2713";color:var(--orange);margin-right:7px;font-weight:800}

/* sections */
section{padding:64px 0}
.section-title{font-size:32px;line-height:1.15;margin:0 0 10px;color:var(--navy);letter-spacing:-.015em}
.section-lead{color:var(--muted);margin:0 0 32px;max-width:640px}
.alt{background:var(--white)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;counter-reset:step}
.step{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow)}
.step::before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--white);font-weight:800;margin:0 0 14px}
.step h3{margin:0 0 6px;font-size:20px;color:var(--navy)}
.step p{margin:0;color:var(--muted)}

/* cards with photos */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card-img{height:180px;background-color:#c9d3df;background-image:linear-gradient(135deg,#1b3a5e,#2c5480);background-size:cover;background-position:center}
.card-body{padding:20px 22px 24px}
.card h3{margin:0 0 6px;font-size:20px;color:var(--navy)}
.card p{margin:0;color:var(--muted)}
.card a{color:var(--orange-dark);font-weight:700;text-decoration:none}

/* split: photo + list */
.split{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.split-img{min-height:360px;border-radius:var(--radius);background-color:#1b3a5e;background-image:linear-gradient(135deg,#1b3a5e,#2c5480);background-size:cover;background-position:center;box-shadow:var(--shadow)}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-weight:600}
.checks li::before{content:"\2713";flex:none;width:26px;height:26px;border-radius:50%;background:#fde8d2;color:var(--orange-dark);display:grid;place-items:center;font-weight:800;font-size:14px}

/* faq */
.faq details{background:var(--white);border:1px solid var(--line);border-radius:12px;padding:18px 20px;margin:0 0 12px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--orange);font-weight:800;font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq p{margin:12px 0 0;color:var(--muted)}

/* closing call */
.cta{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:var(--white);text-align:center}
.cta .section-title{color:var(--white)}
.cta .section-lead{color:#c7d3e2;margin-left:auto;margin-right:auto}

/* legal */
.legal{padding:26px 0 34px;font-size:13px;color:var(--muted);background:var(--white);border-top:1px solid var(--line)}
.legal p{margin:0 0 6px}
.legal a{color:var(--muted)}
.credits{font-size:12px;color:#8a93a0}

/* documents */
.doc{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:32px;margin:32px auto;max-width:820px;box-shadow:var(--shadow)}
.doc h1{color:var(--navy);font-size:32px}
.doc h2{font-size:20px;margin-top:28px;color:var(--navy)}

.call-bar{display:none}
@media (max-width:860px){
  .steps,.cards{grid-template-columns:1fr}
  .split{grid-template-columns:1fr;gap:24px}
  .split-img{min-height:240px}
}
@media (max-width:768px){
  .topbar .wrap{height:56px}
  .logo{font-size:16px}
  .top-call span{display:none}
  .hero{padding:32px 0 40px}
  h1{font-size:33px}
  .sub{font-size:17px;margin-bottom:20px}
  .btn{display:flex;width:100%}
  section{padding:44px 0}
  .section-title{font-size:26px}
  .call-bar{display:block;position:fixed;left:0;right:0;bottom:0;z-index:9000;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:var(--navy);box-shadow:0 -2px 16px rgba(0,0,0,.35)}
  .call-bar a{display:block;padding:14px 8px;border-radius:10px;background:var(--orange);color:var(--navy);font-size:18px;font-weight:800;line-height:1.2;text-align:center;text-decoration:none}
  body{padding-bottom:calc(70px + env(safe-area-inset-bottom))}
}