:root{
  --navy:#123a63;
  --navy-dark:#0b2946;
  --gold:#d1a63f;
  --gold-soft:#f3e3b7;
  --ink:#1f2a37;
  --muted:#5b6776;
  --bg:#f6f8fb;
  --white:#ffffff;
  --line:#dbe3ee;
  --shadow:0 12px 34px rgba(18,58,99,.12);
  --radius:18px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
img{max-width:100%;display:block}
.container{width:min(1180px,calc(100% - 32px));margin:0 auto}
.topbar{background:var(--navy-dark);color:#fff;font-size:14px}
.topbar-inner{display:flex;justify-content:space-between;gap:18px;padding:10px 0;align-items:center}
.topbar a{color:#fff;font-weight:700}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.96);backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:16px 0}
.logo{font-size:30px;font-weight:800;color:var(--navy-dark);letter-spacing:.2px}
.logo span{color:var(--gold)}
.nav-list{display:flex;gap:22px;list-style:none;padding:0;margin:0;flex-wrap:wrap}
.nav-list a{font-weight:700;color:var(--ink)}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:14px 22px;border-radius:999px;font-weight:700;border:2px solid transparent;transition:.2s transform,.2s background,.2s color}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--gold);color:#1d1d1d}
.btn-secondary{background:#fff;border-color:var(--line);color:var(--navy-dark)}
.hero{padding:56px 0 28px;background:linear-gradient(135deg,#eef4fb 0%,#fff 40%,#f7f0df 100%)}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:34px;align-items:center}
.eyebrow{display:inline-block;padding:8px 14px;border-radius:999px;background:#e8f0fb;color:var(--navy);font-weight:700;margin-bottom:16px}
h1,h2,h3{line-height:1.15;margin:0 0 14px}
h1{font-size:clamp(34px,4.8vw,58px);max-width:15ch;color:var(--navy-dark)}
h2{font-size:clamp(28px,3.6vw,42px);color:var(--navy-dark)}
h3{font-size:23px;color:var(--navy-dark)}
p.lead,.hero p{font-size:19px;color:var(--muted);max-width:62ch}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:24px 0}
.trust-list{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;padding:0;list-style:none;margin:18px 0 0}
.trust-list li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:14px 16px;font-weight:700;box-shadow:var(--shadow)}
.hero-card{background:#fff;border-radius:28px;box-shadow:var(--shadow);overflow:hidden;border:1px solid #e7edf6}
.hero-visual{min-height:470px;background:linear-gradient(160deg,rgba(18,58,99,.8),rgba(18,58,99,.25)), url('../img/hero-placeholder.svg') center/cover no-repeat;display:flex;align-items:flex-end;padding:22px}
.hero-badges{display:flex;gap:12px;flex-wrap:wrap}
.badge{background:rgba(255,255,255,.94);padding:12px 14px;border-radius:14px;font-weight:800;color:var(--navy-dark)}
.section{padding:72px 0}
.section.alt{background:#fff}
.grid-4,.grid-3,.grid-2{display:grid;gap:22px}
.grid-4{grid-template-columns:repeat(4,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:26px;box-shadow:var(--shadow)}
.card p{color:var(--muted)}
.checklist,.feature-list{padding-left:20px}
.stat-strip{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.stat{background:linear-gradient(180deg,#fff,#f7fafc);border:1px solid var(--line);border-radius:18px;padding:22px;text-align:center;font-weight:700;box-shadow:var(--shadow)}
.stat strong{display:block;font-size:32px;color:var(--navy-dark);margin-bottom:8px}
.contact-panel,.cta-band{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;border-radius:26px;padding:30px;box-shadow:var(--shadow)}
.contact-panel h3,.cta-band h2{color:#fff}
.contact-panel p,.cta-band p,.cta-band a{color:#eef4fb}
.city-links{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.city-links a{padding:12px 16px;border-radius:999px;background:#fff;border:1px solid var(--line);font-weight:700}
.banner{padding:28px;border-radius:26px;background:linear-gradient(135deg,#fff,#f9f5e9);border:1px solid var(--line);box-shadow:var(--shadow)}
.breadcrumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.breadcrumbs a{color:var(--muted)}
.page-hero{padding:42px 0 20px;background:linear-gradient(180deg,#eef4fb,#f6f8fb)}
.page-hero h1{max-width:none;font-size:clamp(30px,4vw,50px)}
.quote-form{display:grid;gap:14px}
.quote-form input,.quote-form textarea{width:100%;padding:14px 16px;border:1px solid #cfd8e4;border-radius:14px;font:inherit}
.site-footer{background:var(--navy-dark);color:#dae5f4;padding:52px 0 26px;margin-top:50px}
.footer-grid{display:grid;grid-template-columns:1.1fr .9fr .9fr;gap:24px}
.footer-brand{font-size:30px;font-weight:800;color:#fff}
.footer-brand span{color:var(--gold)}
.site-footer a{color:#fff}
.small{font-size:14px;color:#d8e2ef}
.notice{background:#fff3cd;color:#5b4a00;border:1px solid #ebd693;padding:14px 16px;border-radius:14px}
@media (max-width: 1024px){
  .hero-grid,.grid-4,.grid-3,.grid-2,.stat-strip,.footer-grid{grid-template-columns:1fr 1fr}
  .trust-list{grid-template-columns:1fr}
}
@media (max-width: 720px){
  .topbar-inner,.header-inner{flex-direction:column;align-items:flex-start}
  .nav-list{gap:14px}
  .hero-grid,.grid-4,.grid-3,.grid-2,.stat-strip,.footer-grid{grid-template-columns:1fr}
  .hero{padding-top:34px}
  h1{max-width:none}
}