*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:#1f2937;line-height:1.6;background:#fff;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:#0b3d91;text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:1200px;margin:0 auto;padding:0 20px}
h1,h2,h3,h4{color:#0b1e3f;line-height:1.2;margin-bottom:.6em}
h1{font-size:2.2rem}h2{font-size:1.7rem;margin-top:1.5em}h3{font-size:1.25rem;margin-top:1.2em}
p,ul,ol{margin-bottom:1em}ul,ol{padding-left:1.4em}
main{padding:24px 0}
.btn{display:inline-block;padding:14px 26px;border-radius:6px;font-weight:700;text-decoration:none;border:none;cursor:pointer;font-size:1rem}
.btn-primary{background:#ff6a13;color:#fff}
.btn-primary:hover{background:#e55a00;text-decoration:none}
.btn-secondary{background:#0b3d91;color:#fff}
.btn-secondary:hover{background:#082d6d;text-decoration:none}
/* Header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 2px 8px rgba(0,0,0,.08)}
.topbar{background:#0b1e3f;color:#fff;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;padding:6px 20px}
.topphone{color:#ffb385;font-weight:700}
.mainbar{display:flex;align-items:center;gap:16px;padding:10px 20px}
.logo-link{display:flex;align-items:center;gap:10px}
.logo{height:52px;width:auto}
.brand-name{font-weight:800;color:#0b1e3f;font-size:1.1rem;white-space:nowrap}
.mainnav{margin-left:auto}
.nav-root{list-style:none;display:flex;gap:6px;padding:0;margin:0;flex-wrap:wrap}
.nav-root>li{position:relative}
.nav-root>li>a{display:block;padding:10px 12px;color:#0b1e3f;font-weight:600}
.dropdown{position:absolute;top:100%;left:0;background:#fff;box-shadow:0 8px 24px rgba(0,0,0,.12);min-width:280px;list-style:none;padding:8px 0;margin:0;display:none;border-radius:6px;z-index:99}
.dropdown li a{display:block;padding:8px 16px;color:#1f2937;font-weight:500}
.dropdown li a:hover{background:#f4f6fa;color:#ff6a13;text-decoration:none}
.dropdown li.view-all a{color:#ff6a13;font-weight:700;border-top:1px solid #eee;margin-top:4px}
.has-dropdown:hover>.dropdown,.has-dropdown:focus-within>.dropdown{display:block}
.cta-call{background:#ff6a13;color:#fff;padding:10px 18px;border-radius:6px;font-weight:800;white-space:nowrap}
.cta-call:hover{background:#e55a00;text-decoration:none}
.hamburger{display:none;background:none;border:none;font-size:1.6rem;cursor:pointer;color:#0b1e3f}
.sticky-mobile-call{display:none;position:fixed;bottom:0;left:0;right:0;background:#ff6a13;color:#fff;text-align:center;padding:14px;font-weight:800;z-index:200;box-shadow:0 -4px 12px rgba(0,0,0,.2)}
.sticky-mobile-call:hover{text-decoration:none}
/* Hero */
.hero{position:relative;color:#fff;padding:80px 0;background:linear-gradient(rgba(11,30,63,.75),rgba(11,30,63,.75)),url('/assets/images/hero.jpg') center/cover}
.hero h1{color:#fff;font-size:2.6rem;max-width:900px}
.hero p.sub{font-size:1.15rem;max-width:800px;margin-bottom:20px}
.hero .cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:16px}
.badges{display:flex;gap:20px;flex-wrap:wrap;margin-top:26px;padding-top:20px;border-top:1px solid rgba(255,255,255,.25)}
.badges span{background:rgba(255,255,255,.1);padding:8px 14px;border-radius:20px;font-size:.9rem}
/* Sections */
section{padding:40px 0}
.grid-3{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px}
.grid-4{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.grid-2{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px;align-items:start}
.card{background:#fff;border:1px solid #e5e7eb;border-radius:8px;overflow:hidden;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(0,0,0,.1)}
.card img{width:100%;height:180px;object-fit:cover}
.card .p{padding:18px}
.card h3{margin:0 0 8px 0;font-size:1.1rem}
.section-gray{background:#f4f6fa}
.section-dark{background:#0b1e3f;color:#fff}
.section-dark h1,.section-dark h2,.section-dark h3{color:#fff}
.cta-band{background:#ff6a13;color:#fff;text-align:center;padding:50px 20px}
.cta-band h2{color:#fff}
.cta-band .cta-row{display:flex;gap:12px;justify-content:center;flex-wrap:wrap;margin-top:16px}
.cta-band .btn-secondary{background:#0b1e3f}
/* Forms */
.quote-form{background:#f4f6fa;padding:24px;border-radius:8px;border-left:4px solid #ff6a13}
.quote-form label{display:block;margin-bottom:10px;font-weight:600;color:#0b1e3f}
.quote-form input,.quote-form textarea{width:100%;padding:10px;border:1px solid #cbd5e1;border-radius:4px;font-size:1rem;margin-top:4px;font-family:inherit}
/* FAQ */
.faq details{background:#f4f6fa;padding:14px 18px;border-radius:6px;margin-bottom:8px}
.faq summary{cursor:pointer;font-weight:700;color:#0b1e3f}
.faq details p{margin:10px 0 0 0}
/* Footer */
.site-footer{background:#0b1e3f;color:#cbd5e1;padding:40px 0 20px}
.site-footer h4{color:#fff;margin-bottom:12px}
.site-footer a{color:#cbd5e1}
.site-footer ul{list-style:none;padding:0}
.site-footer li{margin-bottom:6px}
.logo-footer{height:60px;background:#fff;padding:6px;border-radius:4px;margin-bottom:12px}
.copyright{border-top:1px solid #1e3a6b;margin-top:24px;padding-top:16px;text-align:center;font-size:.85rem}
/* Aside / related */
.related{background:#f4f6fa;padding:22px;border-radius:8px;margin-top:20px}
.related h3{margin-top:0;font-size:1.05rem;color:#0b1e3f}
.related ul{list-style:disc;padding-left:20px;margin-bottom:14px}
/* Trust row */
.trust-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:20px;margin:20px 0}
.trust-row .t{background:#fff;padding:18px;border-radius:8px;text-align:center;border:1px solid #e5e7eb}
.trust-row .t strong{color:#ff6a13;font-size:1.6rem;display:block}
/* Responsive */
@media(max-width:960px){
  .hamburger{display:block;order:3;margin-left:auto}
  .cta-call{order:2}
  .mainnav{order:4;flex-basis:100%;display:none}
  body.nav-open .mainnav{display:block}
  .nav-root{flex-direction:column;gap:0}
  .nav-root>li{border-bottom:1px solid #eee}
  .dropdown{position:static;box-shadow:none;background:#f4f6fa}
  .has-dropdown:hover>.dropdown{display:none}
  body.nav-open .dropdown{display:block}
  .brand-name{font-size:.95rem}
  .logo{height:42px}
  .sticky-mobile-call{display:block}
  body{padding-bottom:56px}
  .hero{padding:50px 0}
  .hero h1{font-size:1.9rem}
  h1{font-size:1.8rem}
}