:root{
  --navy:#0a2647; --royal:#1e4e8c; --gold:#c9962c; --white:#ffffff;
  --grey-bg:#f5f7fa; --text:#1b1f24; --muted:#5b6470; --radius:6px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);line-height:1.6;background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--royal);text-decoration:none}
a:hover{text-decoration:underline}
a:focus-visible, button:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.container{max-width:1160px;margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 16px;z-index:100}
.skip-link:focus{left:0}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0,0,0,0)}

.site-header{border-bottom:1px solid #e5e8ec;position:sticky;top:0;background:#fff;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:10px 20px}
.brand img{height:56px;width:auto}
.main-nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;align-items:center}
.main-nav a{color:var(--navy);font-weight:500}
.nav-toggle{display:none;background:none;border:none;font-size:26px;cursor:pointer;color:var(--navy)}
.btn-cta{background:var(--gold);color:var(--navy)!important;padding:10px 18px;border-radius:var(--radius);font-weight:700;text-decoration:none!important}
.btn-cta:hover{background:#b3841f}
.btn-secondary{border:2px solid var(--royal);color:var(--royal)!important;padding:9px 17px;border-radius:var(--radius);font-weight:600;text-decoration:none!important}

.hero{background:linear-gradient(135deg,var(--navy),var(--royal));color:#fff;padding:64px 0}
.hero-inner{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{font-size:2.4rem;margin:0 0 16px;line-height:1.2}
.hero p{font-size:1.1rem;color:#dbe6f3;margin-bottom:26px}
.hero .btn-secondary{color:#fff!important;border-color:#fff}
.hero-image img{border-radius:var(--radius);box-shadow:0 10px 30px rgba(0,0,0,.3)}
.cta-buttons{display:flex;gap:14px;flex-wrap:wrap}

.trust-strip{background:var(--grey-bg);padding:26px 0}
.trust-inner{display:flex;justify-content:space-around;flex-wrap:wrap;gap:20px;text-align:center}
.trust-inner strong{display:block;font-size:1.6rem;color:var(--navy)}
.trust-inner span{color:var(--muted);font-size:.92rem}

.section{padding:52px 0}
.alt-bg{background:var(--grey-bg)}
h1{font-size:2.1rem;color:var(--navy)}
h2{font-size:1.5rem;color:var(--navy);margin-top:34px}
h3{font-size:1.15rem;color:var(--navy)}
.lede{font-size:1.15rem;color:var(--muted)}

.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:24px}
.card{background:#fff;border:1px solid #e5e8ec;border-radius:var(--radius);padding:22px}
.card h2,.card h3{margin-top:0;font-size:1.15rem}
.link-more{font-weight:600}

.areas-list{display:grid;grid-template-columns:repeat(3,1fr);gap:8px 20px;list-style:none;padding:0}
.areas-list li{padding:6px 0;border-bottom:1px solid #e5e8ec}

.process-list{padding-left:20px}
.process-list li{margin-bottom:10px}

.faq-item{border-bottom:1px solid #e5e8ec;padding:16px 0}
.faq-item h2,.faq-item h3{margin:0 0 8px}

.cta-band{background:var(--navy);color:#fff;padding:44px 0;margin-top:20px}
.cta-inner{text-align:center}
.cta-inner h2{color:#fff;margin-top:0}
.cta-inner .btn-secondary{color:#fff!important;border-color:#fff}
.cta-inner .cta-buttons{justify-content:center}

.breadcrumbs{padding:14px 0 0}
.breadcrumbs ol{list-style:none;display:flex;gap:6px;padding:0;margin:0;flex-wrap:wrap;color:var(--muted);font-size:.9rem}
.breadcrumbs li:not(:last-child)::after{content:"/";margin-left:6px;color:#b7bec7}

.site-footer{background:var(--navy);color:#c9d4e2;margin-top:40px}
.footer-inner{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:32px;padding:44px 20px}
.footer-col h2{color:#fff;font-size:1.05rem;margin-top:0}
.footer-col ul{list-style:none;padding:0;margin:0}
.footer-col li{margin-bottom:8px}
.footer-col a{color:#c9d4e2}
.footer-bottom{border-top:1px solid rgba(255,255,255,.15);padding:16px 20px;font-size:.85rem}
.social-links a{margin-right:4px}

.contact-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:36px;margin-top:24px}
.contact-form{display:flex;flex-direction:column;gap:10px}
.contact-form label{font-weight:600;margin-top:8px}
.contact-form input,.contact-form select,.contact-form textarea{padding:10px;border:1px solid #cfd6dd;border-radius:var(--radius);font-size:1rem;font-family:inherit}
.hidden-field{position:absolute;left:-9999px}
.contact-info{background:var(--grey-bg);padding:24px;border-radius:var(--radius)}

@media (prefers-reduced-motion: reduce){ *{animation-duration:0.01ms!important;transition-duration:0.01ms!important} }

@media (max-width: 860px){
  .hero-inner{grid-template-columns:1fr}
  .card-grid{grid-template-columns:1fr 1fr}
  .footer-inner{grid-template-columns:1fr}
  .contact-grid{grid-template-columns:1fr}
  .areas-list{grid-template-columns:1fr 1fr}
}
@media (max-width: 600px){
  .main-nav ul{display:none;flex-direction:column;position:absolute;top:76px;left:0;right:0;background:#fff;padding:16px;border-bottom:1px solid #e5e8ec}
  .main-nav ul.open{display:flex}
  .nav-toggle{display:block}
  .card-grid{grid-template-columns:1fr}
  .areas-list{grid-template-columns:1fr}
  .hero h1{font-size:1.8rem}
}