:root {
    --navy: #0b1f3a;
    --navy-2: #122b4e;
    --teal: #14b8a6;
    --teal-dark: #0d9488;
    --bg: #f4f7fb;
    --card: #ffffff;
    --text: #1c2b3a;
    --muted: #5a6b7d;
    --line: #e2e8f0;
    --radius: 12px;
}

* { box-sizing: border-box; }

body {
    margin: 0;
    font-family: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
    background: var(--bg);
    color: var(--text);
    line-height: 1.6;
}

.wrap { max-width: 1100px; margin: 0 auto; padding: 0 20px; }
main p, main li { max-width: 70ch; }

.site-header {
    background: #fff;
    border-bottom: 1px solid var(--line);
    position: sticky;
    top: 0;
    z-index: 20;
}
.header-inner {
    display: flex;
    align-items: center;
    justify-content: space-between;
    flex-wrap: wrap;
    gap: 16px;
    padding-top: 12px;
    padding-bottom: 12px;
}
.brand {
    display: flex;
    align-items: center;
    gap: 10px;
    color: var(--navy);
    text-decoration: none;
    font-size: 1.35rem;
    font-weight: 700;
}
.brand-logo { display: block; height: 35px; width: auto; }
.nav-toggle {
    display: none;
    background: transparent;
    border: 2px solid var(--navy);
    color: var(--navy);
    border-radius: 8px;
    font-size: 1.4rem;
    line-height: 1;
    padding: 8px 12px;
    cursor: pointer;
}
.site-nav { display: flex; align-items: center; gap: 4px 18px; flex-wrap: wrap; }
.site-nav a {
    color: #33475c;
    text-decoration: none;
    font-size: .98rem;
    white-space: nowrap;
}
.site-nav a:hover, .site-nav a[aria-current="page"] { color: var(--navy); text-decoration: underline; }
.nav-cta { margin-left: 8px; }

.btn {
    display: inline-block;
    padding: 12px 24px;
    border-radius: var(--radius);
    text-decoration: none;
    font-family: inherit;
    font-size: 1rem;
    border: 2px solid var(--teal);
    cursor: pointer;
}
.btn-accent { background: var(--teal); color: #fff; }
.btn-accent:hover { background: var(--teal-dark); border-color: var(--teal-dark); }
.btn-outline { color: #fff; background: transparent; border-color: rgba(255,255,255,.7); }
.btn-outline:hover { background: rgba(255,255,255,.12); }
.btn-outline-dark { color: var(--navy); background: transparent; border-color: var(--navy); }
.btn-outline-dark:hover { background: var(--navy); color: #fff; }
.btn[disabled] { opacity: .6; cursor: default; }

.hero {
    background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 60%, #16365f 100%);
    color: #fff;
    padding: 84px 0 72px;
}
.hero-inner {
    display: flex;
    gap: 48px;
    align-items: center;
}
.hero-text { flex: 1 1 55%; }
.hero-eyebrow {
    text-transform: uppercase;
    letter-spacing: .1em;
    font-size: .85rem;
    color: var(--teal);
    margin: 0 0 10px;
    font-weight: 600;
}
.hero h1 { font-size: 2.7rem; margin: 0 0 16px; line-height: 1.15; }
.hero .lead { font-size: 1.2rem; color: #d7e1ee; }
.hero-actions { display: flex; gap: 14px; margin-top: 26px; flex-wrap: wrap; }
.hero-figure { flex: 1 1 40%; display: flex; justify-content: center; }
.hero-figure svg { width: 100%; max-width: 320px; height: auto; opacity: .9; }

.page-hero {
    background: linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%);
    color: #fff;
    padding: 56px 0 44px;
}
.page-hero h1 { font-size: 2.2rem; margin: 0 0 10px; }
.page-hero .lead { font-size: 1.15rem; color: #d7e1ee; max-width: 60ch; }

.section { padding: 56px 0 20px; }
.section h2 { color: var(--navy); margin-top: 0; font-size: 1.8rem; }
.section h3 { color: var(--navy); }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 18px; margin-top: 20px; }
.card {
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 24px;
    color: var(--text);
    box-shadow: 0 2px 8px rgba(11,31,58,.04);
}
.card h3 { margin-top: 0; color: var(--navy); }
.card .btn { margin-top: 6px; }
.card-icon { height: 40px; width: 40px; margin-bottom: 10px; }

.two-col { display: grid; grid-template-columns: 1fr 1fr; gap: 36px; align-items: start; }

.steps { counter-reset: step; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px,1fr)); gap: 16px; margin-top: 20px; padding: 0; list-style: none; }
.steps li {
    display: flex;
    align-items: flex-start;
    gap: 12px;
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 20px;
}
.steps li::before {
    counter-increment: step;
    content: counter(step);
    display: inline-flex;
    flex: 0 0 30px;
    align-items: center;
    justify-content: center;
    width: 30px; height: 30px;
    border-radius: 50%;
    background: var(--teal);
    color: #fff;
    font-weight: 700;
}

.mt-24 { margin-top: 24px; }

.cta-band {
    background: var(--navy);
    color: #fff;
    margin-top: 48px;
    padding: 48px 0;
    text-align: center;
}
.cta-band h2 { color: #fff; margin-top: 0; }
.cta-band p { margin-left: auto; margin-right: auto; }

.offices { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 18px; }
details.faq {
    background: var(--card);
    border: 1px solid var(--line);
    border-radius: var(--radius);
    padding: 14px 20px;
    margin-bottom: 10px;
}
details.faq summary { cursor: pointer; font-weight: 600; color: var(--navy); }
details.faq p { margin-bottom: 4px; }

.muted { color: var(--muted); font-size: .95rem; }
.message { font-weight: 600; min-height: 1.4em; }
.message.error { color: #b3261e; }

.form { max-width: 640px; }
.form-row { margin-bottom: 18px; display: flex; flex-direction: column; }
.form-row label, .form-row legend { font-weight: 600; margin-bottom: 4px; }
.form-row input, .form-row textarea, .form-row select {
    padding: 10px 12px;
    border: 1px solid var(--line);
    border-radius: 8px;
    font-family: inherit;
    font-size: 1rem;
    background: #fff;
}
.form-row input:focus, .form-row textarea:focus, .form-row select:focus {
    outline: 2px solid var(--teal);
    outline-offset: 1px;
}
fieldset.form-row { border: 1px solid var(--line); border-radius: 8px; }
.radio-row label { font-weight: 400; margin-right: 16px; }
.hp-field { position: absolute; left: -9999px; height: 0; overflow: hidden; }
.form-nav { display: flex; gap: 12px; margin-top: 8px; flex-wrap: wrap; }
.step-indicator { display: flex; gap: 8px; margin: 0 0 20px; padding: 0; list-style: none; flex-wrap: wrap; }
.step-indicator li {
    padding: 6px 14px;
    border-radius: 999px;
    border: 1px solid var(--line);
    background: var(--card);
    font-size: .9rem;
    color: var(--muted);
}
.step-indicator li.active { background: var(--teal); border-color: var(--teal); color: #fff; }
.step-indicator li.done { border-color: var(--teal); color: var(--teal-dark); }
.review-list { background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); padding: 16px 20px; }
.review-list dt { font-weight: 600; color: var(--navy); }
.review-list dd { margin: 0 0 8px; }

.site-footer {
    margin-top: 60px;
    padding: 36px 0 20px;
    background: var(--navy);
    color: #cfd9e6;
}
.site-footer h3 { color: #fff; margin-top: 0; font-size: 1.05rem; }
.footer-logo {
    display: inline-block;
    background: #fff;
    padding: 8px 12px;
    border-radius: 8px;
}
.footer-logo img { display: block; height: 40px; width: auto; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 24px; }
.footer-bottom { margin-top: 24px; padding-top: 16px; border-top: 1px solid rgba(255,255,255,.15); font-size: .9rem; }

@media (max-width: 760px) {
    .nav-toggle { display: block; }
    .site-nav {
        display: none;
        flex-direction: column;
        align-items: flex-start;
        width: 100%;
        padding: 10px 0 4px;
        gap: 10px;
    }
    .site-nav.open { display: flex; }
    .nav-cta { margin-left: 0; }
    .hero { padding: 56px 0 48px; }
    .hero-inner { flex-direction: column; }
    .hero h1 { font-size: 2rem; }
    .two-col { grid-template-columns: 1fr; }
}