:root{
  --navy:#17233B; --navy-2:#1F2E4D; --navy-3:#0F182A;
  --orange:#D86B3C; --orange-2:#C45A2D; --orange-soft:#FBEDE6;
  --white:#fff; --gray-50:#F6F7F9; --gray-100:#EDEFF3; --gray-300:#C9CED8; --gray-500:#6B7385; --ink:#1B2233;
  --radius:14px; --shadow:0 10px 30px rgba(23,35,59,.10);
  --display:'Barlow Condensed', 'Arial Narrow', sans-serif; --body:'Inter', system-ui, sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--body);color:var(--ink);background:var(--white);line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
.container{width:min(1180px,100% - 40px);margin-inline:auto}
h1,h2,h3{font-family:var(--display);line-height:1.05;letter-spacing:.2px;color:var(--navy)}
h1{font-size:clamp(2.6rem,6vw,4.6rem);font-weight:800;text-transform:uppercase}
h2{font-size:clamp(2rem,3.6vw,2.8rem);font-weight:700}
h3{font-size:1.45rem;font-weight:700}
.eyebrow{font-weight:700;font-size:.8rem;letter-spacing:.16em;text-transform:uppercase;color:var(--orange);margin-bottom:.7rem}
.accent{color:var(--orange)}
.muted{color:var(--gray-500)}
.ph{background:#FFF3C4;color:#6B4E00;border:1px dashed #E0B400;padding:0 .35em;border-radius:4px;font-weight:600;white-space:nowrap}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:600;border-radius:10px;padding:.8rem 1.3rem;border:2px solid transparent;transition:.2s;cursor:pointer;font-size:1rem;font-family:var(--body);text-align:center}
.btn-sm{padding:.5rem 1rem;font-size:.92rem}
.btn-lg{padding:1rem 1.6rem;font-size:1.05rem}
.btn-block{width:100%}
.btn-accent{background:var(--orange);color:#fff}
.btn-accent:hover{background:var(--orange-2);transform:translateY(-1px)}
.btn-outline{border-color:rgba(255,255,255,.7);color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--gray-100);transition:box-shadow .2s}
.site-header.scrolled{box-shadow:0 4px 20px rgba(23,35,59,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;gap:.7rem}
.brand img{border-radius:10px}
.brand-text{font-family:var(--display);font-size:1.55rem;font-weight:600;color:var(--navy);letter-spacing:.3px;white-space:nowrap}
.brand-text strong{font-weight:800}
.nav-links{display:flex;align-items:center;gap:1.8rem;font-weight:500;font-size:.97rem}
.nav-links a:not(.btn):hover{color:var(--orange)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;flex-direction:column;justify-content:center;gap:5px;align-items:center}
.nav-toggle span{display:block;width:24px;height:2.5px;background:var(--navy);border-radius:2px}

/* Hero */
.hero{position:relative;color:#fff;min-height:640px;display:flex;align-items:center;overflow:hidden;background:var(--navy-3)}
.hero-bg{position:absolute;inset:0;background:linear-gradient(90deg,rgba(15,24,42,.95) 0%,rgba(23,35,59,.82) 45%,rgba(23,35,59,.35) 100%),url(assets/hero.jpg) center/cover no-repeat}
.hero-inner{position:relative;padding:110px 0 100px;max-width:1180px}
.hero h1{color:#fff;max-width:760px}
.hero .lead{font-size:1.15rem;max-width:620px;margin:1.4rem 0 2rem;color:#DCE1EA}
.cta-row{display:flex;flex-wrap:wrap;gap:1rem}
.hero-note{margin-top:1.8rem;font-size:.95rem;color:#B9C1D0}
.hero::after{content:"";position:absolute;left:0;right:0;bottom:0;height:6px;background:repeating-linear-gradient(-45deg,var(--orange) 0 18px,var(--navy) 18px 36px)}

/* Sections */
.section{padding:96px 0}
.section-light{background:var(--gray-50)}
.section-dark{background:var(--navy);color:#DCE1EA}
.section-dark h2,.section-dark h3{color:#fff}
.section-head{max-width:720px;margin-bottom:3rem}
.section-head p:not(.eyebrow){color:var(--gray-500);margin-top:.8rem;font-size:1.08rem}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1.4rem}
.card{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius);padding:2rem;box-shadow:var(--shadow);transition:.2s;border-top:4px solid transparent}
.card:hover{transform:translateY(-3px);border-top-color:var(--orange)}
.card h3{margin:1.1rem 0 .5rem}
.card p{color:var(--gray-500)}
.icon{width:54px;height:54px;border-radius:12px;background:var(--orange-soft);display:grid;place-items:center}
.icon svg{width:28px;height:28px;fill:none;stroke:var(--orange);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.card-cta{background:var(--navy);border-color:var(--navy);display:flex;flex-direction:column;align-items:flex-start}
.card-cta h3{color:#fff;margin-top:0}
.card-cta p{color:#C4CBD8;margin-bottom:1.4rem;flex:1}

/* Steps */
.steps{list-style:none;display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem;counter-reset:s}
.steps li{position:relative;padding:2rem 1.6rem;border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);background:rgba(255,255,255,.03)}
.steps .num{font-family:var(--display);font-size:3rem;font-weight:800;color:var(--orange);line-height:1;display:block;margin-bottom:.9rem}
.steps h3{margin-bottom:.5rem}
.steps p{color:#B9C1D0;font-size:.97rem}

/* Audiences */
.audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem}
.audience{border-radius:var(--radius);overflow:hidden;background:#fff;box-shadow:var(--shadow);border:1px solid var(--gray-100);display:flex;flex-direction:column}
.audience img{aspect-ratio:16/10;object-fit:cover;width:100%}
.audience-body{padding:2.2rem;display:flex;flex-direction:column;align-items:flex-start;flex:1}
.audience-body h2{font-size:2rem;margin-bottom:1.1rem}
.checks{list-style:none;margin-bottom:1.8rem;flex:1}
.checks li{position:relative;padding-left:1.9rem;margin-bottom:.7rem}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;border-radius:50%;background:var(--orange) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/70% no-repeat}

/* Why */
.why-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1.4rem}
.why{background:#fff;border-radius:var(--radius);padding:1.8rem;border-left:4px solid var(--orange);box-shadow:var(--shadow)}
.why h3{margin-bottom:.5rem}
.why p{color:var(--gray-500);font-size:.97rem}

/* Forms */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
.form-card{background:#fff;border:1px solid var(--gray-100);border-radius:var(--radius);padding:2.4rem;box-shadow:var(--shadow);scroll-margin-top:90px}
.form-card h2{margin-bottom:.4rem}
.form-card .muted{margin-bottom:1.6rem}
.form-card-dark{background:var(--navy);border-color:var(--navy)}
.form-card-dark h2{color:#fff}
.form-card-dark .muted{color:#B9C1D0}
.form-card-dark label{color:#DCE1EA}
form{display:grid;gap:1rem}
.field-row{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
label{display:flex;flex-direction:column;gap:.4rem;font-size:.9rem;font-weight:600;color:var(--navy)}
input,select,textarea{font:inherit;font-weight:400;font-size:1rem;padding:.75rem .9rem;border:1.5px solid var(--gray-300);border-radius:10px;background:#fff;color:var(--ink);width:100%;min-width:0}
textarea{resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(216,107,60,.2)}
.show-errors :invalid{border-color:#D64545}
.thanks{display:flex;gap:1rem;align-items:flex-start;padding:1.4rem;border-radius:12px;background:var(--orange-soft);color:var(--navy);font-weight:600}
.form-card-dark .thanks{background:rgba(255,255,255,.08);color:#fff}
.thanks svg{flex:none;width:32px;height:32px;padding:6px;border-radius:50%;background:var(--orange);fill:none;stroke:#fff;stroke-width:3;stroke-linecap:round;stroke-linejoin:round}

/* Footer */
.site-footer{background:var(--navy-3);color:#B9C1D0;padding:70px 0 30px;border-top:6px solid var(--orange)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1.2fr;gap:2.5rem}
.brand-footer .brand-text{color:#fff}
.site-footer .muted{color:#97A1B4;margin-top:1rem;max-width:340px}
.site-footer h4{color:#fff;font-size:.85rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:1rem}
.site-footer ul{list-style:none;display:grid;gap:.55rem}
.site-footer a:hover{color:var(--orange)}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;border-top:1px solid rgba(255,255,255,.1);margin-top:3rem;padding-top:1.5rem;font-size:.88rem}

/* Responsive */
@media (max-width:1024px){
  .cards{grid-template-columns:repeat(2,1fr)}
  .steps,.why-grid{grid-template-columns:repeat(2,1fr)}
}
@media (max-width:860px){
  .nav-toggle{display:flex}
  .nav-links{position:absolute;top:72px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--gray-100);padding:.5rem 20px 1.2rem;display:none;box-shadow:0 12px 24px rgba(23,35,59,.1)}
  .nav-links.open{display:flex}
  .nav-links a:not(.btn){padding:.9rem 0;border-bottom:1px solid var(--gray-100)}
  .nav-links .btn{margin-top:1rem}
  .audience-grid,.form-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
}
@media (max-width:600px){
  .section{padding:68px 0}
  .hero{min-height:0}
  .hero-inner{padding:72px 0 76px}
  .hero-bg{background:linear-gradient(180deg,rgba(15,24,42,.88),rgba(23,35,59,.92)),url(assets/hero.jpg) 60% center/cover no-repeat}
  .cta-row .btn{width:100%}
  .cards,.steps,.why-grid,.field-row{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .form-card,.audience-body{padding:1.6rem}
  .brand-text{font-size:1.35rem}
  .brand img{width:38px;height:38px}
}

/* QA fixes */
input,select{height:48px}
select{appearance:none;-webkit-appearance:none;padding-right:2.4rem;background:#fff url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%2317233B' stroke-width='2.5' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M6 9l6 6 6-6'/%3E%3C/svg%3E") right .8rem center/16px no-repeat}
.brand-footer img{box-shadow:0 0 0 1.5px rgba(255,255,255,.22)}
@media (max-width:600px){
  .hero-bg{background:linear-gradient(180deg,rgba(15,24,42,.78),rgba(23,35,59,.9)),url(assets/hero.jpg) 62% center/cover no-repeat}
}

/* v2: brand lockup + contact + insured */
.brand{gap:.8rem}
.brand img{border-radius:12px}
.brand-text{font-family:'Montserrat',var(--body);font-size:1.75rem;letter-spacing:-.01em;line-height:1;white-space:nowrap}
.brand-text .b1{font-weight:800;color:var(--navy)}
.brand-text .b2{font-weight:600;color:var(--orange)}
.brand-footer .brand-text .b1{color:#fff}
.nav{height:84px}
html{scroll-padding-top:92px}
@media (max-width:860px){.nav-links{top:84px}}
@media (max-width:1100px) and (min-width:861px){.brand-text{font-size:1.45rem}.nav-links{gap:1.2rem}}
.hero-trust{display:flex;flex-wrap:wrap;align-items:center;gap:.8rem 1.4rem;margin-top:1.8rem}
.hero-trust .hero-note{margin:0}
.badge{display:inline-flex;align-items:center;gap:.45rem;padding:.45rem .9rem;border-radius:999px;background:rgba(216,107,60,.16);border:1px solid rgba(216,107,60,.6);color:#fff;font-weight:600;font-size:.92rem}
.badge svg,.insured-note svg{width:18px;height:18px;fill:none;stroke:var(--orange);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.hero-phone{color:#fff;font-weight:600;border-bottom:2px solid var(--orange);padding-bottom:1px}
.hero-phone:hover{color:var(--orange)}
.insured-note{display:inline-flex;align-items:center;gap:.4rem;color:#fff;font-weight:600}
.site-footer .contact-list a{color:#fff}
.contact-strip{margin-bottom:2rem}
.contact-strip p{background:var(--gray-50);border:1px solid var(--gray-100);border-left:4px solid var(--orange);border-radius:12px;padding:1.1rem 1.4rem;color:var(--ink)}
.contact-strip a{color:var(--orange-2);font-weight:600;word-break:break-word}
.contact-strip a:hover{text-decoration:underline}
.why-grid{grid-template-columns:repeat(5,1fr)}
@media (max-width:1180px){.why-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:860px){.why-grid{grid-template-columns:repeat(2,1fr)}}
@media (max-width:600px){
  .why-grid{grid-template-columns:1fr}
  .nav{height:76px}
  .nav-links{top:76px}
  .brand img{width:46px;height:46px}
  .brand{gap:.6rem}
  .brand-text{display:flex;flex-direction:column;gap:3px;font-size:1.55rem}
  .brand-text .b2{font-size:.72rem;font-weight:700;letter-spacing:.32em;text-transform:uppercase}
  .brand-footer .brand-text{font-size:1.7rem}
  .brand-footer .brand-text .b2{font-size:.78rem}
}
/* Why grid: 3 + 2 layout for five items */
@media (min-width:861px){
  .why-grid{grid-template-columns:repeat(6,1fr)}
  .why{grid-column:span 2}
  .why:nth-child(n+4){grid-column:span 3}
}
@media (max-width:860px) and (min-width:601px){.why:last-child{grid-column:1/-1}}
.contact-strip a[href^="tel"],.hero-phone,.contact-list a[href^="tel"]{white-space:nowrap}
/* Forms: honeypot + error */
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
form{position:relative}
.form-error{padding:1rem 1.2rem;border-radius:10px;background:#FDECEC;border:1px solid #F3B4B4;color:#7A1F1F;font-weight:500}
.form-error a{color:#7A1F1F;font-weight:700;text-decoration:underline;white-space:nowrap}
button:disabled{opacity:.7;cursor:wait}

/* Mobile tap-to-call bar */
.call-bar{display:none}
@media (max-width:768px){
  .call-bar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:flex;align-items:center;justify-content:center;gap:.6rem;min-height:56px;padding:.7rem 1rem calc(.7rem + env(safe-area-inset-bottom,0px));padding-left:calc(1rem + env(safe-area-inset-left,0px));padding-right:calc(1rem + env(safe-area-inset-right,0px));background:var(--orange);color:#fff;font-family:'Montserrat',var(--body);font-weight:800;font-size:1.2rem;letter-spacing:.01em;text-shadow:0 1px 1px rgba(0,0,0,.18);border-top:2px solid var(--navy);box-shadow:0 -6px 18px rgba(23,35,59,.22);-webkit-tap-highlight-color:transparent}
  .call-bar:active{background:var(--orange-2)}
  .call-bar:focus-visible{outline:3px solid #fff;outline-offset:-6px}
  .call-bar svg{width:22px;height:22px;flex:none;fill:#fff}
  .site-footer{padding-bottom:calc(30px + 64px + env(safe-area-inset-bottom,0px))}
}
@media print{.call-bar{display:none!important}}