:root {
  --red: #c8102e;
  --red-dark: #a10d25;
  --navy: #0b1f3a;
  --navy-2: #13294b;
  --ink: #1b2430;
  --muted: #5b6573;
  --line: #e3e7ed;
  --bg: #ffffff;
  --bg-soft: #f4f6f9;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(11, 31, 58, 0.10);
  --font: "Segoe UI", system-ui, -apple-system, Roboto, "Helvetica Neue", Arial, sans-serif;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: var(--font);
  color: var(--ink);
  background: var(--bg);
  line-height: 1.55;
  -webkit-font-smoothing: antialiased;
}
img, svg { max-width: 100%; }
a { color: var(--red); }
h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; color: var(--navy); }
h1 { font-size: clamp(2rem, 5vw, 3.2rem); letter-spacing: -.02em; }
h2 { font-size: clamp(1.5rem, 3.2vw, 2.1rem); letter-spacing: -.01em; }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }
.wrap { width: min(1120px, 92vw); margin: 0 auto; }
.section { padding: clamp(3rem, 7vw, 5.5rem) 0; }
.section.soft { background: var(--bg-soft); }
.eyebrow {
  display: inline-block; font-weight: 700; font-size: .8rem; letter-spacing: .12em;
  text-transform: uppercase; color: var(--red); margin-bottom: .75rem;
}
.lead { font-size: 1.15rem; color: var(--muted); max-width: 60ch; }
.center { text-align: center; }
.center .lead { margin-inline: auto; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: .55rem; padding: .9rem 1.4rem;
  border-radius: 999px; font-weight: 700; text-decoration: none; font-size: 1.05rem;
  border: 2px solid transparent; transition: transform .12s ease, background .15s ease;
  white-space: nowrap;
}
.btn:active { transform: translateY(1px); }
.btn-call { background: var(--red); color: #fff; }
.btn-call:hover { background: var(--red-dark); }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--navy); }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-lg { font-size: 1.25rem; padding: 1.1rem 1.8rem; }
.btn svg { width: 1.2em; height: 1.2em; flex: none; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50; background: #fff;
  border-bottom: 1px solid var(--line);
}
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 1rem; padding: .75rem 0; }
.brand { display: flex; align-items: center; gap: .6rem; text-decoration: none; color: var(--navy); font-weight: 800; font-size: 1.15rem; letter-spacing: -.01em; }
.brand svg { width: 40px; height: 40px; }
.brand span em { color: var(--red); font-style: normal; }
.nav { display: none; gap: 1.5rem; }
.nav a { color: var(--navy); text-decoration: none; font-weight: 600; font-size: .95rem; }
.nav a:hover { color: var(--red); }
.header-call { display: inline-flex; align-items: center; gap: .5rem; background: var(--red); color: #fff; text-decoration: none; font-weight: 800; padding: .6rem 1rem; border-radius: 999px; font-size: .95rem; }
.header-call svg { width: 1.1em; height: 1.1em; }
@media (min-width: 860px) {
  .nav { display: flex; }
  .header-call { font-size: 1.05rem; padding: .7rem 1.2rem; }
}

/* Hero */
.hero {
  background: radial-gradient(1200px 500px at 80% -10%, #1f3a63 0%, var(--navy) 55%, #071528 100%);
  color: #fff; padding: clamp(3.5rem, 8vw, 6.5rem) 0;
}
.hero h1, .hero h2 { color: #fff; }
.hero .lead { color: #d7dfea; }
.hero .eyebrow { color: #ff5c73; }
.hero-grid { display: grid; gap: 2.5rem; align-items: center; }
@media (min-width: 900px) { .hero-grid { grid-template-columns: 1.2fr .8fr; } }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.5rem; }
.hero-actions .btn-ghost { color: #fff; border-color: rgba(255,255,255,.55); }
.hero-actions .btn-ghost:hover { background: #fff; color: var(--navy); }
.hero-number { margin-top: 1.25rem; font-size: .95rem; color: #b9c5d6; }
.hero-number strong { color: #fff; font-size: 1.15rem; }
.hero-card {
  background: rgba(255,255,255,.06); border: 1px solid rgba(255,255,255,.14);
  border-radius: var(--radius); padding: 1.5rem; backdrop-filter: blur(4px);
}
.hero-card h3 { color: #fff; margin-bottom: 1rem; }
.hero-card ol { margin: 0; padding-left: 1.2rem; color: #d7dfea; }
.hero-card li { margin-bottom: .6rem; }
.hero-card li strong { color: #fff; }

/* Trust strip */
.trust { background: var(--red); color: #fff; }
.trust .wrap { display: grid; grid-template-columns: repeat(2, 1fr); gap: .75rem 1.5rem; padding: 1rem 0; font-weight: 700; font-size: .95rem; }
.trust div { display: flex; align-items: center; gap: .5rem; }
.trust svg { width: 1.2em; height: 1.2em; flex: none; }
@media (min-width: 800px) { .trust .wrap { grid-template-columns: repeat(4, 1fr); } }

/* Cards */
.grid { display: grid; gap: 1.25rem; margin-top: 2rem; }
.grid-3 { grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.grid-4 { grid-template-columns: repeat(auto-fit, minmax(210px, 1fr)); }
.card {
  background: #fff; border: 1px solid var(--line); border-radius: var(--radius);
  padding: 1.5rem; box-shadow: 0 2px 10px rgba(11,31,58,.04);
}
.card .icon { width: 44px; height: 44px; border-radius: 12px; background: #fdecef; color: var(--red); display: grid; place-items: center; margin-bottom: 1rem; }
.card .icon svg { width: 24px; height: 24px; }
.card p { color: var(--muted); margin: 0; font-size: .97rem; }

/* Steps */
.steps { counter-reset: step; }
.step { position: relative; padding-left: 4rem; margin-bottom: 1.75rem; }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 0; top: 0; width: 2.9rem; height: 2.9rem; border-radius: 50%;
  background: var(--navy); color: #fff; font-weight: 800; font-size: 1.2rem; display: grid; place-items: center;
}
.step h3 { margin-bottom: .25rem; }
.step p { color: var(--muted); margin: 0; }

/* Two-column */
.split { display: grid; gap: 2.5rem; align-items: start; }
@media (min-width: 900px) { .split { grid-template-columns: 1fr 1fr; } }
.check-list { list-style: none; padding: 0; margin: 1rem 0 0; }
.check-list li { position: relative; padding-left: 2rem; margin-bottom: .75rem; }
.check-list li::before {
  content: ""; position: absolute; left: 0; top: .3em; width: 1.2rem; height: 1.2rem; border-radius: 50%;
  background: var(--red);
  -webkit-mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.3-4.1-4.1 1.4-1.4 2.7 2.7 5.9-5.9 1.4 1.4z'/%3E%3C/svg%3E") center/contain no-repeat;
          mask: url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='%23000' d='M12 2a10 10 0 1 0 0 20 10 10 0 0 0 0-20zm-1.2 14.3-4.1-4.1 1.4-1.4 2.7 2.7 5.9-5.9 1.4 1.4z'/%3E%3C/svg%3E") center/contain no-repeat;
}

/* FAQ */
.faq { max-width: 820px; margin: 2rem auto 0; }
.faq details { border: 1px solid var(--line); border-radius: 12px; background: #fff; margin-bottom: .75rem; padding: 0 1.25rem; }
.faq summary { cursor: pointer; font-weight: 700; padding: 1rem 0; color: var(--navy); list-style: none; display: flex; justify-content: space-between; gap: 1rem; }
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; color: var(--red); font-size: 1.4rem; line-height: 1; }
.faq details[open] summary::after { content: "–"; }
.faq details p { color: var(--muted); padding-bottom: 1rem; margin: 0; }

/* CTA band */
.cta-band { background: var(--navy); color: #fff; }
.cta-band h2 { color: #fff; }
.cta-band .lead { color: #c9d3e1; }
.cta-band .wrap { display: grid; gap: 1.5rem; align-items: center; }
@media (min-width: 900px) { .cta-band .wrap { grid-template-columns: 1fr auto; } }

/* Contact block */
.contact-box { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 1.75rem; box-shadow: var(--shadow); }
.contact-box dl { margin: 0; display: grid; grid-template-columns: auto 1fr; gap: .5rem 1.25rem; }
.contact-box dt { font-weight: 700; color: var(--navy); }
.contact-box dd { margin: 0; color: var(--muted); }

/* Footer */
.site-footer { background: #071528; color: #b9c5d6; padding: 3rem 0 2rem; font-size: .93rem; }
.site-footer a { color: #e6ecf5; }
.footer-grid { display: grid; gap: 2rem; }
@media (min-width: 800px) { .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; } }
.site-footer h4 { color: #fff; margin: 0 0 .75rem; font-size: 1rem; }
.site-footer ul { list-style: none; margin: 0; padding: 0; }
.site-footer li { margin-bottom: .45rem; }
.notice { margin-top: 2.25rem; padding-top: 1.5rem; border-top: 1px solid rgba(255,255,255,.12); }
.notice h4 { font-size: .9rem; letter-spacing: .08em; text-transform: uppercase; }
.notice p { margin: 0 0 .5rem; color: #98a6ba; }
.copyright { margin-top: 1.5rem; color: #7f8ea3; font-size: .85rem; }

/* Legal pages */
.legal { max-width: 800px; margin: 0 auto; }
.legal h2 { font-size: 1.35rem; margin-top: 2rem; }
.legal p, .legal li { color: #3c4655; }

/* Sticky mobile call bar */
.call-bar {
  position: fixed; left: 0; right: 0; bottom: 0; z-index: 60;
  background: var(--red); color: #fff; display: flex; align-items: center; justify-content: center; gap: .75rem;
  padding: .85rem 1rem; text-decoration: none; font-weight: 800; font-size: 1.15rem;
  box-shadow: 0 -6px 20px rgba(0,0,0,.18);
}
.call-bar svg { width: 1.3em; height: 1.3em; }
body.has-call-bar { padding-bottom: 4.2rem; }