:root {
  --navy: #16324f;
  --navy-2: #22486f;
  --gold: #f2b84b;
  --ink: #1d2733;
  --muted: #566372;
  --line: #e3e8ee;
  --paper: #ffffff;
  --tint: #f5f7fa;
  --radius: 14px;
  --wrap: 1080px;
}

*, *::before, *::after { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font: 17px/1.6 system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: var(--ink);
  background: var(--paper);
  -webkit-font-smoothing: antialiased;
}
img, svg { display: block; }
a { color: var(--navy-2); }
h1, h2, h3 { line-height: 1.15; margin: 0 0 .5em; letter-spacing: -0.01em; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.2rem); color: var(--navy); }
h3 { font-size: 1.1rem; }
p { margin: 0 0 1em; }

.wrap { max-width: var(--wrap); margin: 0 auto; padding: 0 20px; }
.skip { position: absolute; left: -999px; top: 8px; background: var(--navy); color: #fff; padding: 8px 12px; border-radius: 8px; }
.skip:focus { left: 8px; z-index: 10; }

.top { border-bottom: 1px solid var(--line); background: rgba(255,255,255,.95); position: sticky; top: 0; z-index: 5; backdrop-filter: saturate(1.4) blur(6px); }
.top-inner { display: flex; align-items: center; justify-content: space-between; gap: 16px; min-height: 64px; }
.brand { display: flex; align-items: center; gap: 10px; text-decoration: none; color: var(--navy); font-weight: 700; font-size: 1.1rem; }
.mark { width: 30px; height: 30px; }
.top nav { display: flex; align-items: center; gap: 22px; }
.top nav a { text-decoration: none; color: var(--ink); font-size: .95rem; }
.top nav a:hover { color: var(--navy-2); }
.top nav .nav-cta { background: var(--navy); color: #fff; padding: 8px 14px; border-radius: 999px; }
.top nav .nav-cta:hover { background: var(--navy-2); color: #fff; }

.hero { padding: clamp(56px, 10vw, 112px) 0 clamp(48px, 8vw, 88px); background: linear-gradient(180deg, #f3f6fa 0%, #fff 100%); }
.hero-grid { display: grid; grid-template-columns: 1.4fr 1fr; gap: 48px; align-items: center; }
.phone { width: 100%; max-width: 260px; height: auto; justify-self: center; filter: drop-shadow(0 24px 40px rgba(22,50,79,.18)); }
.eyebrow { text-transform: uppercase; letter-spacing: .08em; font-size: .8rem; font-weight: 600; color: var(--muted); }
.hero h1 { font-size: clamp(2.1rem, 6vw, 3.6rem); color: var(--navy); max-width: 18ch; }
.hero h1 span { color: var(--navy-2); background: linear-gradient(transparent 62%, rgba(242,184,75,.45) 62%); }
.lede { font-size: 1.15rem; color: var(--muted); max-width: 46ch; }
.actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.btn { display: inline-block; background: var(--navy); color: #fff; text-decoration: none; font-weight: 600; padding: 14px 22px; border-radius: 999px; }
.btn:hover { background: var(--navy-2); }
.btn:focus-visible, .top nav a:focus-visible { outline: 3px solid var(--gold); outline-offset: 3px; }
.btn-ghost { background: transparent; color: var(--navy); box-shadow: inset 0 0 0 2px var(--navy); }
.btn-ghost:hover { background: var(--tint); }

section { padding: clamp(48px, 8vw, 88px) 0; }
.band { background: var(--tint); }

.steps { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 20px; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); }
.steps li { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.num { display: inline-grid; place-items: center; width: 36px; height: 36px; border-radius: 50%; background: var(--gold); color: var(--navy); font-weight: 800; margin-bottom: 14px; }
.steps p, .features p { color: var(--muted); margin: 0; }

.features { list-style: none; padding: 0; margin: 28px 0 0; display: grid; gap: 28px 32px; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); }
.features li { padding-left: 18px; border-left: 3px solid var(--gold); }

.contact-inner { display: grid; gap: 28px; grid-template-columns: 1.3fr 1fr; align-items: start; }
.contact-inner p { color: var(--muted); max-width: 52ch; }
.contact-card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.contact-card p { margin: 0 0 12px; color: var(--ink); overflow-wrap: anywhere; }
.contact-card .label { margin: 0 0 2px; font-size: .78rem; text-transform: uppercase; letter-spacing: .08em; color: var(--muted); font-weight: 600; }

.foot { border-top: 1px solid var(--line); padding: 24px 0; font-size: .9rem; color: var(--muted); }
.foot-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; }
.foot p { margin: 0; }

@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
  .phone { display: none; }
}
@media (max-width: 720px) {
  .top nav a:not(.nav-cta) { display: none; }
  .contact-inner { grid-template-columns: 1fr; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } }