:root{
  --navy:#12263a; --navy-2:#1c3a54; --slate:#3a5169; --ink:#1a2430;
  --accent:#e5533d; --accent-dk:#c53f2b; --gold:#f2b134;
  --bg:#ffffff; --bg-soft:#f4f6f9; --line:#e2e8f0; --muted:#5b6b7c;
  --wrap:1120px; --radius:12px; --shadow:0 6px 24px rgba(18,38,58,.08);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
img{max-width:100%;height:auto}
a{color:var(--accent-dk);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}
h1{font-size:2.15rem}h2{font-size:1.6rem}h3{font-size:1.2rem}
p{margin:0 0 1rem}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 20px}
.center{text-align:center}
.skip{position:absolute;left:-999px}
.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}

/* buttons */
.btn{display:inline-block;padding:.7rem 1.15rem;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;transition:.15s}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-call{background:var(--accent);color:#fff}
.btn-call:hover{background:var(--accent-dk);color:#fff}
.btn-ghost{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}
.btn-lg{padding:.9rem 1.5rem;font-size:1.05rem}

/* header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.15rem}
.brand:hover{text-decoration:none;color:#fff}
.main-nav{display:flex;align-items:center;gap:22px}
.main-nav a{color:#dbe4ee;font-weight:600}
.main-nav a:hover{color:#fff;text-decoration:none}
.main-nav .btn-call{color:#fff}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#eaf1f8}
.hero-inner{padding:64px 20px 72px}
.hero-copy{max-width:720px}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:700;color:var(--gold);margin-bottom:.6rem}
.hero h1{color:#fff;font-size:2.7rem;margin-bottom:.4em}
.hero .lead{font-size:1.2rem;color:#cdd9e6;max-width:640px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:1.4rem 0 1rem}
.trust-row{list-style:none;display:flex;gap:22px;flex-wrap:wrap;padding:0;margin:1rem 0 0;color:#bccad9;font-weight:600}

/* sections */
section.wrap,.services,.why,.latest{padding:56px 20px}
.section-intro{max-width:720px;color:var(--muted);margin-bottom:1.6rem}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:22px}
.card h3{margin-bottom:.4rem}
.feature h3{color:var(--accent-dk)}
.post-card{display:flex;flex-direction:column;background:#fff;box-shadow:var(--shadow)}
.post-card .read-more{margin-top:auto;font-weight:700}
.tag{display:inline-block;background:#eaf1f8;color:var(--navy-2);font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.05em;padding:3px 10px;border-radius:999px;margin-bottom:.6rem}

/* cta band */
.cta-band{background:var(--accent);color:#fff}
.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:34px 20px;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.2rem}
.cta-band p{margin:0;color:#ffe9e4}
.cta-band .btn-call{background:#fff;color:var(--accent-dk)}
.cta-band .btn-call:hover{background:#12263a;color:#fff}

/* article */
.post{max-width:800px;padding-top:34px;padding-bottom:34px}
.crumbs{font-size:.85rem;color:var(--muted);margin-bottom:1rem}
.post-head{border-bottom:1px solid var(--line);padding-bottom:1rem;margin-bottom:1.4rem}
.post-meta{color:var(--muted);font-size:.92rem}
.post-body{font-size:1.06rem}
.post-body h2{margin-top:1.8em}
.post-body h3{margin-top:1.4em}
.post-body ul,.post-body ol{margin:0 0 1.1rem 1.2rem}
.post-body li{margin-bottom:.4rem}
.post-body table{width:100%;border-collapse:collapse;margin:1.2rem 0}
.post-body th,.post-body td{border:1px solid var(--line);padding:10px 12px;text-align:left}
.post-body th{background:var(--bg-soft)}
.post-body blockquote{border-left:4px solid var(--accent);margin:1.2rem 0;padding:.4rem 1rem;color:var(--slate);background:var(--bg-soft)}
.key-takeaway{background:#eef6ff;border:1px solid #cfe3fb;border-radius:var(--radius);padding:16px 18px;margin:1.4rem 0}
.key-takeaway strong{color:var(--navy)}

/* faq */
.faq{margin-top:2.4rem}
.faq-item{border:1px solid var(--line);border-radius:10px;margin-bottom:12px;background:#fff;padding:4px 16px}
.faq-item summary{font-weight:700;cursor:pointer;padding:12px 0;color:var(--navy)}
.faq-a{padding-bottom:12px;color:var(--ink)}

.post-cta{background:var(--navy);color:#eaf1f8;border-radius:var(--radius);padding:26px;margin:2.4rem 0;text-align:center}
.post-cta h2{color:#fff}
.related ul{list-style:none;padding:0}
.related li{padding:10px 0;border-bottom:1px solid var(--line);font-weight:600}

/* footer */
.site-footer{background:var(--ink);color:#c4d0dc;margin-top:0;padding-top:44px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px;padding-bottom:26px}
.site-footer h3{color:#fff;font-size:1rem;text-transform:uppercase;letter-spacing:.06em}
.site-footer a{color:#e5533d}
.footer-brand{color:#fff;margin-bottom:.6rem}
.np strong{color:#fff}
.areas{color:#9fb0c1;font-size:.95rem}
.sub-footer{border-top:1px solid #2a3947;padding:16px 20px;font-size:.85rem;color:#8394a5}
.page-head{padding-top:40px}

@media(max-width:860px){
  .grid-3{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:2.1rem}
}
@media(max-width:560px){
  .grid-3,.footer-grid{grid-template-columns:1fr}
  .main-nav{gap:12px}
  .main-nav a:not(.btn){display:none}
  .hero h1{font-size:1.8rem}
  h1{font-size:1.7rem}
}

/* ===== lead form + contact/legal pages ===== */
.hero-inner{display:grid;grid-template-columns:1.15fr .85fr;gap:38px;align-items:center}
.hero-form{background:#fff;border-radius:14px;box-shadow:0 18px 44px rgba(0,0,0,.28);padding:20px 20px 14px}
.hero-form h3{color:var(--navy);margin:0 0 .25rem}
.hero-form p{color:var(--muted);font-size:.92rem;margin:0 0 .7rem}
.hero-form iframe,.card iframe,.contact-form iframe{display:block;border:0;background:#fff;border-radius:8px}
.pagewrap{max-width:1100px;margin:0 auto;padding:38px 20px 56px}
.contact-head h1{margin-bottom:.3rem}
.contact-lead{color:var(--muted);max-width:680px}
.contact-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:26px;margin-top:1.8rem}
.contact-info{background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:26px}
.contact-info h2{font-size:1.25rem}.contact-info h3{margin-top:1.3rem;font-size:1rem;color:var(--slate)}
.contact-phone{display:inline-block;font-size:1.55rem;font-weight:800;color:var(--accent-dk);margin:.2rem 0}
.contact-note{color:var(--muted);font-size:.92rem}
.contact-form{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;box-shadow:var(--shadow)}
.contact-form h2{font-size:1.25rem}
.legal-page h1{margin-bottom:.4rem}
.legal-updated{color:var(--muted);font-style:italic}
.legal-body h2{margin-top:1.7em;font-size:1.25rem}
.legal-body{max-width:780px}
@media(max-width:900px){.hero-inner{grid-template-columns:1fr}.contact-grid{grid-template-columns:1fr}}

/* ===== wider lead forms ===== */
.hero-inner{grid-template-columns:1fr 1.05fr}
.hero-form{padding:24px 24px 16px}
.contact-grid{grid-template-columns:340px 1fr}