:root{
  --navy:#123b64;
  --navy-dark:#0b2742;
  --gold:#f2c318;
  --gold-soft:#fff7cf;
  --ink:#17212b;
  --muted:#5e6b77;
  --surface:#ffffff;
  --surface-alt:#f5f7f9;
  --line:#dce3e8;
  --success:#157347;
  --shadow:0 12px 32px rgba(11,39,66,.12);
  --radius:18px;
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;
  color:var(--ink);
  background:var(--surface);
  line-height:1.65;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:.08em;text-underline-offset:.18em}
a:hover{color:var(--navy-dark)}
.container{width:min(calc(100% - 32px),var(--max));margin-inline:auto}
.skip-link{position:absolute;left:-9999px;top:auto}
.skip-link:focus{left:16px;top:16px;z-index:9999;background:#fff;padding:10px 14px;border-radius:8px;box-shadow:var(--shadow)}
.site-header{position:sticky;top:0;z-index:100;background:rgba(255,255,255,.96);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand-mark{width:58px;height:58px;object-fit:cover;border-radius:50%;border:2px solid var(--gold)}
.brand-copy{line-height:1.15}
.brand-name{display:block;font-weight:850;font-size:1.12rem;color:var(--navy-dark)}
.brand-tagline{display:block;font-size:.78rem;color:var(--muted);margin-top:4px}
.nav-toggle{display:none;border:1px solid var(--line);background:#fff;border-radius:10px;padding:9px 12px;font:inherit;font-weight:750}
.site-nav ul{list-style:none;display:flex;align-items:center;gap:6px;margin:0;padding:0}
.site-nav a{display:block;padding:10px 12px;border-radius:10px;text-decoration:none;font-weight:700;color:var(--navy-dark)}
.site-nav a:hover,.site-nav a[aria-current="page"]{background:var(--gold-soft)}
.header-cta{background:var(--navy)!important;color:#fff!important}
.hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:clamp(54px,8vw,98px) 0;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:54px;align-items:center}
.eyebrow{font-weight:850;letter-spacing:.08em;text-transform:uppercase;font-size:.8rem;color:var(--gold)}
.hero h1,.page-hero h1{font-size:clamp(2.35rem,5vw,4.8rem);line-height:1.04;letter-spacing:-.04em;margin:.3em 0 .35em}
.hero p{font-size:clamp(1.05rem,2vw,1.25rem);max-width:720px;color:#e8eef4}
.hero-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.hero-card .price{font-size:clamp(2.8rem,6vw,4.4rem);font-weight:900;line-height:1;color:var(--navy)}
.hero-card p{color:var(--muted);font-size:1rem}
.button-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 20px;border-radius:11px;font-weight:800;text-decoration:none;border:2px solid transparent;cursor:pointer;font:inherit}
.btn-primary{background:var(--gold);color:#111}
.btn-primary:hover{background:#ffd735;color:#111}
.btn-secondary{border-color:#fff;color:#fff}
.btn-secondary:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-dark);color:#fff}
.btn-outline{border-color:var(--navy);color:var(--navy);background:#fff}
.section{padding:clamp(56px,7vw,88px) 0}
.section-alt{background:var(--surface-alt)}
.section-title{max-width:780px;margin-bottom:32px}
.section-title h2{font-size:clamp(2rem,4vw,3.15rem);line-height:1.12;letter-spacing:-.03em;margin:0 0 12px;color:var(--navy-dark)}
.section-title p{margin:0;color:var(--muted);font-size:1.08rem}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 6px 20px rgba(11,39,66,.06)}
.card h3{margin:.35em 0;color:var(--navy-dark);font-size:1.3rem}
.card p{color:var(--muted)}
.icon{width:48px;height:48px;border-radius:13px;background:var(--gold-soft);display:grid;place-items:center;font-size:1.45rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start}
.check-list{list-style:none;padding:0;margin:20px 0}
.check-list li{position:relative;padding-left:30px;margin:11px 0}
.check-list li::before{content:"✓";position:absolute;left:0;color:var(--success);font-weight:900}
.savings-calculator{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.form-group{display:flex;flex-direction:column;gap:7px}
.form-group.full{grid-column:1/-1}
label{font-weight:750;color:var(--navy-dark)}
input,select,textarea{
  width:100%;min-height:48px;border:1px solid #b9c5cf;border-radius:10px;padding:11px 12px;font:inherit;background:#fff;color:var(--ink)
}
textarea{min-height:150px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(242,195,24,.35);border-color:var(--navy)}
.form-note{font-size:.88rem;color:var(--muted)}
.honeypot{position:absolute!important;left:-9999px!important}
.result-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin-top:20px}
.result{background:var(--surface-alt);border-radius:12px;padding:16px}
.result strong{display:block;font-size:1.55rem;color:var(--navy-dark)}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:0 6px 20px rgba(11,39,66,.06)}
.comparison{width:100%;border-collapse:collapse;min-width:720px;background:#fff}
.comparison th,.comparison td{padding:17px 16px;border-bottom:1px solid var(--line);text-align:center}
.comparison th:first-child,.comparison td:first-child{text-align:left}
.comparison thead th{background:var(--navy-dark);color:#fff}
.comparison .featured{background:var(--gold-soft);font-weight:800}
.amount-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.amount-card{border-radius:var(--radius);padding:26px;background:var(--navy-dark);color:#fff}
.amount-card strong{display:block;font-size:2rem;color:var(--gold)}
.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{counter-increment:step;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.step::before{content:counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--gold);font-weight:900;margin-bottom:15px}
.cta-band{background:var(--gold);padding:42px 0}
.cta-band-inner{display:flex;align-items:center;justify-content:space-between;gap:24px}
.cta-band h2{margin:0;color:#111;font-size:clamp(1.8rem,4vw,2.7rem)}
.page-hero{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;padding:56px 0}
.page-hero p{max-width:760px;color:#e7eef5;font-size:1.12rem}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.profile-img{border-radius:var(--radius);width:100%;max-height:430px;object-fit:cover}
.site-footer{background:#091e31;color:#dce6ee;padding:52px 0 22px}
.footer-grid{display:grid;grid-template-columns:1.2fr .8fr .8fr;gap:36px}
.site-footer h2,.site-footer h3{color:#fff}
.site-footer a{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:34px;padding-top:18px;color:#aebdc8;font-size:.9rem}
.notice{background:#fff8d7;border:1px solid #ead16b;border-radius:12px;padding:14px 16px;font-size:.92rem}
@media(max-width:900px){
  .nav-toggle{display:block}
  .site-nav{position:absolute;left:16px;right:16px;top:76px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow);display:none}
  .site-nav.open{display:block}
  .site-nav ul{display:block;padding:10px}
  .site-nav a{padding:12px}
  .hero-grid,.two-col,.footer-grid{grid-template-columns:1fr}
  .card-grid,.steps,.amount-cards{grid-template-columns:1fr 1fr}
  .hero{padding-top:54px}
}
@media(max-width:620px){
  .brand-tagline{display:none}
  .header-inner{min-height:72px}
  .brand-mark{width:48px;height:48px}
  .card-grid,.steps,.amount-cards,.form-grid,.result-grid{grid-template-columns:1fr}
  .form-group.full{grid-column:auto}
  .cta-band-inner{align-items:flex-start;flex-direction:column}
  .button-row{flex-direction:column;align-items:stretch}
  .btn{width:100%}
  .section{padding:52px 0}
}
@media(prefers-reduced-motion:reduce){
  *{scroll-behavior:auto!important;transition:none!important;animation:none!important}
}