:root{--navy:#071827;--blue:#0f4c81;--red:#c93532;--gold:#f5a623;--light:#f5f7fb;--text:#263241;--muted:#6b7785;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}a{text-decoration:none;color:inherit}.container{width:min(1180px,92%);margin:auto}
.topbar{background:var(--navy);color:#dce8f4;font-size:14px;padding:8px 0}.topbar .container{display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap}
header{background:#fff;position:sticky;top:0;z-index:20;box-shadow:0 4px 16px rgba(7,24,39,.08)}.nav{display:flex;align-items:center;justify-content:space-between;padding:15px 0;gap:24px}
.logo{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy)}.logo-mark{background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;padding:8px 12px;border-radius:10px;font-size:22px;letter-spacing:1px}.logo small{display:block;color:var(--muted);font-weight:600;margin-top:-4px}
.menu{display:flex;gap:20px;align-items:center;font-weight:700;color:#354252}.btn{display:inline-block;background:var(--red);color:#fff;padding:12px 20px;border-radius:7px;font-weight:900;border:none;cursor:pointer}.btn.gold{background:var(--gold);color:#111}.btn.dark{background:var(--blue);color:#fff}.btn.outline{background:transparent;border:2px solid #fff;color:#fff}
.sticky-quote{position:fixed;right:0;top:210px;z-index:40;background:var(--red);color:#fff;padding:14px 10px;writing-mode:vertical-rl;transform:rotate(180deg);font-weight:900;border-radius:0 8px 8px 0;box-shadow:0 10px 28px rgba(0,0,0,.25)}
.hero{background:linear-gradient(100deg,rgba(7,24,39,.93),rgba(15,76,129,.77)),url('https://images.unsplash.com/photo-1586528116311-ad8dd3c8310d?auto=format&fit=crop&w=1600&q=80') center/cover;color:#fff;padding:82px 0}
.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:42px;align-items:center}.kicker{color:#ffc766;font-weight:900;letter-spacing:.08em;text-transform:uppercase}h1{font-size:50px;line-height:1.08;margin:14px 0 18px}h2{font-size:34px;line-height:1.2;margin:0 0 14px;color:var(--navy)}h3{margin:0 0 8px;color:var(--navy)}.hero p{font-size:19px;color:#e8f1fa;max-width:720px}.ctas{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}
.quote-panel{background:rgba(255,255,255,.98);color:var(--text);border-radius:16px;padding:24px;box-shadow:0 20px 50px rgba(0,0,0,.25)}.quote-panel h2{font-size:29px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.full{grid-column:1/-1}
section{padding:68px 0}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.card{background:#fff;border:1px solid #e4e9f0;border-radius:14px;padding:24px;box-shadow:0 8px 22px rgba(7,24,39,.06)}.light{background:var(--light)}
.icon{width:44px;height:44px;background:#eaf2fa;border-radius:10px;display:flex;align-items:center;justify-content:center;color:var(--blue);font-weight:900;margin-bottom:14px}.band{background:var(--navy);color:#fff;padding:54px 0}.band h2{color:#fff}.band p{color:#d7e5f0}.check{display:flex;gap:10px;margin:10px 0}.check span{color:var(--gold);font-weight:900}.compare{display:grid;grid-template-columns:1fr 1fr;gap:18px}.compare ul{padding-left:20px}.steps{counter-reset:step}.step{display:flex;gap:16px;margin:18px 0}.step:before{counter-increment:step;content:counter(step);background:var(--gold);color:#111;width:34px;height:34px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:900;flex:0 0 34px}
.location{background:#fff;border-left:5px solid var(--gold);padding:18px;border-radius:10px}form{display:grid;gap:12px}input,textarea,select{width:100%;padding:13px 14px;border:1px solid #cfd8e3;border-radius:8px;font:inherit}textarea{min-height:116px}.hp-field{position:absolute;left:-5000px;opacity:0;height:0;width:0;overflow:hidden}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:18px}.badge{background:#eaf2fa;color:#0d4574;border-radius:999px;padding:8px 13px;font-weight:800;font-size:14px}.journey{display:flex;gap:8px;flex-wrap:wrap;align-items:center}.journey span{background:white;border:1px solid #d8e1eb;border-radius:999px;padding:9px 12px;font-weight:800}.journey b{color:var(--red)}
.page-hero{background:linear-gradient(100deg,var(--navy),var(--blue));color:#fff;padding:62px 0}.page-hero h1{font-size:42px}.page-hero p{color:#e8f1fa;max-width:760px}
.popup{position:fixed;right:22px;bottom:22px;background:#0f7a3b;color:#fff;padding:18px 20px;border-radius:10px;box-shadow:0 16px 40px rgba(0,0,0,.25);display:none;z-index:99;max-width:380px;font-weight:700}.popup.error{background:#b42318}
.footer{background:#06121f;color:#cdd8e5;padding:38px 0}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
@media(max-width:900px){.hero-grid,.grid3,.grid2,.footer-grid,.compare{grid-template-columns:1fr}.menu{display:none}h1{font-size:37px}.hero{padding:54px 0}.form-grid{grid-template-columns:1fr}.sticky-quote{display:none}section{padding:48px 0}}