:root{
  --navy:#04122E; --navy-dark:#020B1F; --navy-soft:#0a1f47;
  --red:#D3121F; --red-dark:#b00f1a;
  --white:#fff; --silver:#E6E9EF; --gray:#f4f6fa; --ink:#0d1b36; --muted:#55627d;
  --radius:14px; --shadow:0 10px 30px rgba(2,11,31,.18);
  --serif:"Cinzel","Cormorant Garamond",Georgia,"Times New Roman",serif;
  --sans:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit}
h1,h2,h3{font-family:var(--serif);line-height:1.2;margin:0 0 .6em;letter-spacing:.01em}
h1{font-size:clamp(2rem,5.2vw,3.4rem);font-weight:700}
h2{font-size:clamp(1.6rem,3.6vw,2.4rem);font-weight:700}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em}
.container{width:100%;max-width:1160px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:#fff;color:var(--navy);padding:10px 14px;z-index:200}
.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid #fff;outline-offset:2px;box-shadow:0 0 0 5px var(--red)}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5em;background:var(--red);color:#fff;border:0;border-radius:10px;padding:14px 26px;font:700 1rem/1.1 var(--sans);text-decoration:none;cursor:pointer;transition:background .2s,transform .15s,box-shadow .2s;box-shadow:0 6px 16px rgba(211,18,31,.35)}
.btn:hover{background:var(--red-dark);transform:translateY(-1px)}
.btn-lg{padding:17px 32px;font-size:1.08rem}
.btn-block{width:100%}
.btn[disabled]{opacity:.7;cursor:wait}

/* Header */
.site-header{position:sticky;top:0;z-index:100;background:var(--navy-dark);border-bottom:3px solid var(--red);color:#fff}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:14px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:#fff}
.brand-icon{height:46px;width:auto;flex:none}
.footer-logo{width:min(260px,70%);height:auto}
.brand-text{display:flex;flex-direction:column;font-family:var(--serif);font-weight:700;letter-spacing:.1em;line-height:1.05;font-size:.92rem;white-space:nowrap}
@media(min-width:480px){.brand-text{font-size:1.05rem;letter-spacing:.12em}}
.header-cta{white-space:nowrap}
.brand-text small{font-size:.66rem;letter-spacing:.42em;color:var(--silver);font-weight:600;margin-top:3px}
.header-actions{display:flex;align-items:center;gap:18px}
.header-phone{color:#fff;text-decoration:none;font-weight:700;white-space:nowrap;display:none}
.header-phone:hover{text-decoration:underline}
.header-cta{padding:11px 18px;font-size:.92rem}
.header-cta .long{display:none}
@media(min-width:620px){.header-cta .long{display:inline}.header-cta .short{display:none}.header-phone{display:inline}}

/* Hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#10306b55,transparent),linear-gradient(180deg,var(--navy) 0%,var(--navy-dark) 100%);color:#fff;padding:44px 0 60px;position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;top:0;bottom:0;left:50%;width:min(1160px,100%);transform:translateX(-50%);background:url(../img/watermark.png) no-repeat 0% 50%/auto 92%;opacity:.13;pointer-events:none;-webkit-mask-image:radial-gradient(ellipse 80% 75% at 40% 50%,#000 55%,transparent 100%);mask-image:radial-gradient(ellipse 80% 75% at 40% 50%,#000 55%,transparent 100%)}
.hero>.container{position:relative;z-index:1}
@media(max-width:959px){.hero::before{width:100%;left:0;transform:none;background-position:50% 4%;background-size:125% auto;opacity:.10;-webkit-mask-image:linear-gradient(#000 55%,transparent 100%);mask-image:linear-gradient(#000 55%,transparent 100%)}}
.hero::after{content:"";position:absolute;inset:auto 0 0 0;height:6px;background:linear-gradient(90deg,var(--red) 0 33%,#fff 33% 66%,var(--navy-soft) 66%)}
.hero-grid{display:grid;gap:34px;align-items:center}
@media(min-width:960px){.hero-grid{grid-template-columns:1.1fr .9fr;gap:56px}.hero{padding:72px 0 88px}}
.eyebrow{display:inline-block;font-weight:700;font-size:.78rem;letter-spacing:.22em;text-transform:uppercase;color:#fff;border-bottom:2px solid var(--red);padding-bottom:6px;margin-bottom:18px}
.hero h1 span{color:var(--silver)}
.hero .sub{font-size:1.12rem;color:var(--silver);max-width:34em}
.checks{list-style:none;padding:0;margin:22px 0 0;display:grid;gap:12px}
.checks li{display:flex;gap:12px;align-items:flex-start;font-weight:600}
.checks svg{width:24px;height:24px;flex:none;margin-top:1px}

/* Form card */
.form-card{background:#fff;color:var(--ink);border-radius:var(--radius);padding:26px 22px;box-shadow:var(--shadow);border-top:5px solid var(--red)}
.form-card h2{font-size:1.4rem;margin-bottom:.25em}
.form-card .lead{color:var(--muted);font-size:.95rem;margin-bottom:18px}
.field{margin-bottom:14px}
.field label{display:block;font-weight:600;font-size:.88rem;margin-bottom:6px}
.field input,.field select{width:100%;padding:13px 14px;font:inherit;font-size:1rem;border:1.5px solid #c4cbda;border-radius:10px;background:#fff;color:var(--ink)}
.field input:focus,.field select:focus{outline:none;border-color:var(--navy);box-shadow:0 0 0 3px rgba(4,18,46,.18)}
.field.invalid input,.field.invalid select{border-color:var(--red)}
.err{display:none;color:var(--red);font-size:.82rem;margin-top:5px;font-weight:600}
.field.invalid .err,.consent.invalid .err{display:block}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:.78rem;color:var(--muted);line-height:1.45;margin:6px 0 16px;flex-wrap:wrap}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--red)}
.consent label{flex:1;min-width:0}
.consent .err{flex-basis:100%}
.hp{position:absolute!important;left:-9999px;width:1px;height:1px;overflow:hidden}
.form-status{margin-top:14px;padding:12px 14px;border-radius:10px;font-size:.92rem;display:none}
.form-status.ok{display:block;background:#e8f6ec;color:#14532d}
.form-status.bad{display:block;background:#fdecee;color:#7f1019}
.secure{display:flex;gap:8px;align-items:center;justify-content:center;font-size:.78rem;color:var(--muted);margin-top:12px}
.secure svg{width:14px;height:14px}

/* Trust bar */
.trust{background:var(--gray);border-bottom:1px solid #e1e5ee}
.trust-grid{display:grid;grid-template-columns:1fr 1fr;gap:16px;padding:26px 0}
@media(min-width:860px){.trust-grid{grid-template-columns:repeat(4,1fr)}}
.trust-item{display:flex;gap:12px;align-items:center}
.trust-item .ic{width:46px;height:46px;border-radius:50%;background:var(--navy);display:grid;place-items:center;flex:none}
.trust-item .ic svg{width:22px;height:22px}
.trust-item strong{display:block;font-size:.95rem;line-height:1.2}
.trust-item span{font-size:.8rem;color:var(--muted);line-height:1.3;display:block}

/* Sections */
section{padding:68px 0}
.section-head{text-align:center;max-width:700px;margin:0 auto 42px}
.section-head p{color:var(--muted);font-size:1.05rem}
.section-head h2::after{content:"";display:block;width:64px;height:4px;background:var(--red);border-radius:2px;margin:14px auto 0}
.dark{background:var(--navy);color:#fff}
.dark .section-head p{color:var(--silver)}
.light{background:var(--gray)}

/* Steps */
.steps{display:grid;gap:22px;counter-reset:step}
@media(min-width:860px){.steps{grid-template-columns:repeat(3,1fr)}}
.step{background:#fff;border-radius:var(--radius);padding:30px 26px;box-shadow:0 4px 18px rgba(4,18,46,.08);position:relative;border-top:4px solid var(--navy)}
.step .num{font-family:var(--serif);font-weight:700;font-size:1.3rem;width:48px;height:48px;border-radius:50%;background:var(--red);color:#fff;display:grid;place-items:center;margin-bottom:16px}
.step p{color:var(--muted);margin:0}

/* Cards */
.cards{display:grid;gap:20px}
@media(min-width:640px){.cards{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){.cards{grid-template-columns:repeat(3,1fr)}}
.card{background:var(--navy-soft);border:1px solid #1d3a73;border-radius:var(--radius);padding:28px 24px}
.card .ic{width:50px;height:50px;border-radius:12px;background:var(--navy-dark);border:1px solid #2a4a8a;display:grid;place-items:center;margin-bottom:16px}
.card .ic svg{width:26px;height:26px}
.card h3{color:#fff}
.card p{color:var(--silver);margin:0;font-size:.97rem}

/* Qualify */
.qualify{background:#fff}
.q-grid{display:grid;gap:30px;align-items:center}
@media(min-width:900px){.q-grid{grid-template-columns:1.1fr .9fr}}
.q-list{list-style:none;padding:0;margin:20px 0 26px;display:grid;gap:12px}
.q-list li{display:flex;gap:12px;align-items:flex-start}
.q-list svg{width:22px;height:22px;flex:none;margin-top:2px}
.q-panel{background:linear-gradient(160deg,var(--navy),var(--navy-dark));color:#fff;border-radius:var(--radius);padding:34px 28px;box-shadow:var(--shadow);border-left:6px solid var(--red)}
.q-panel h3{font-size:1.3rem}
.q-panel p{color:var(--silver)}
.note{font-size:.82rem;color:var(--muted)}
.q-panel .note{color:#b9c3d9}

/* FAQ */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid #dde2ee;border-radius:12px;overflow:hidden}
.faq summary{cursor:pointer;list-style:none;padding:18px 54px 18px 20px;font-weight:700;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.6rem;line-height:1;color:var(--red);font-weight:400}
.faq details[open] summary::after{content:"\2212"}
.faq details[open]{border-color:var(--navy)}
.faq .ans{padding:0 20px 18px;color:var(--muted)}
.faq .ans p:last-child{margin:0}

/* CTA banner */
.cta-banner{background:linear-gradient(135deg,var(--navy-dark),var(--navy));color:#fff;text-align:center;padding:76px 0;border-top:6px solid var(--red)}
.cta-banner p{color:var(--silver);max-width:620px;margin:0 auto 28px;font-size:1.1rem}
.cta-banner .phone{display:block;margin-top:18px;color:#fff;font-weight:700;text-decoration:none}

/* Footer */
.site-footer{background:var(--navy-dark);color:var(--silver);padding:56px 0 100px;font-size:.92rem}
.foot-grid{display:grid;gap:32px}
@media(min-width:820px){.foot-grid{grid-template-columns:1.4fr 1fr 1fr}.site-footer{padding-bottom:40px}}
.site-footer h4{font-family:var(--serif);color:#fff;margin:0 0 12px;font-size:1rem;letter-spacing:.08em}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer a{text-decoration:none;color:var(--silver)}
.site-footer a:hover{color:#fff;text-decoration:underline}
.disclaimer{border-top:1px solid #1b2c52;margin-top:36px;padding-top:24px;font-size:.78rem;color:#9fabc6;line-height:1.6}
.disclaimer p{margin:0 0 .8em}
.copy{margin-top:14px;color:#7f8cab;font-size:.78rem}

/* Sticky mobile call */
.mobile-call{position:fixed;left:0;right:0;bottom:0;z-index:90;display:flex;gap:10px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:var(--navy-dark);border-top:3px solid var(--red)}
.mobile-call a{flex:1;text-align:center;padding:13px 8px;border-radius:10px;font-weight:700;text-decoration:none;font-size:.95rem}
.mobile-call .call{background:#fff;color:var(--navy)}
.mobile-call .free{background:var(--red);color:#fff}
@media(min-width:820px){.mobile-call{display:none}}

/* Legal pages */
.legal{padding:48px 0 80px}
.legal .container{max-width:820px}
.legal h1{font-size:clamp(1.8rem,4vw,2.4rem)}
.legal h2{font-size:1.25rem;margin-top:1.8em}
.legal ul{padding-left:1.2em}
.legal .updated{color:var(--muted);font-size:.9rem}
.hidden{display:none!important}

/* Narrow phones: keep logo, wordmark and CTA on one line */
@media(max-width:479px){
  .header-inner{gap:8px}
  .brand{gap:8px;min-width:0}
  .brand-icon{height:38px}
  .brand-text{font-size:.74rem;letter-spacing:.08em}
  .brand-text small{font-size:.58rem;letter-spacing:.34em}
  .header-cta{padding:10px 12px;font-size:.84rem}
}