:root {
  --brand: #0e3a89;
  --brand-2: #1e63d6;
  --brand-3: #123b8f;
  --brand-soft: #eef3fc;
  --ink: #16203a;
  --muted: #667085;
  --line: #e6ebf5;
  --foot: #0d1830;
  --cream: #fffdf2;
  --cream-line: #eee8c9;
  --radius: 18px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { font-family: 'Segoe UI', Roboto, Arial, sans-serif; color: var(--ink); background: #fff; line-height: 1.65; font-size: 16px; }
a { text-decoration: none; }
a:hover { text-decoration: underline; }
img { max-width: 100%; display: block; }

.wrap { max-width: 1200px; margin: 0 auto; padding: 0 22px; }
.eyebrow { color: var(--brand-2); font-weight: 700; letter-spacing: .5px; text-transform: uppercase; font-size: 13px; }
.sec-title { font-size: clamp(1.8rem, 4vw, 2.5rem); font-weight: 800; line-height: 1.15; color: var(--ink); }
h1, h2, h3, h4, h5 { color: var(--ink); line-height: 1.25; }

/* ---------- Top disclosure ---------- */
.disclosure {
  background: var(--cream); border-bottom: 1px solid var(--cream-line); font-size: 12px;
  color: #77776d; text-align: center; padding: 7px 14px;
}
.disclosure strong { color: #55554d; }

/* ---------- Header ---------- */
header.nav { position: sticky; top: 0; z-index: 30; background: rgba(255,255,255,.92); backdrop-filter: blur(14px); border-bottom: 1px solid var(--line); }
.nav-inner { display: flex; align-items: center; justify-content: space-between; padding: 14px 22px; gap: 14px; }
.brand { display: inline-flex; align-items: center; gap: 10px; font-weight: 800; font-size: 20px; color: var(--brand); }
.brand .logo-wrap { width: 38px; height: 38px; border-radius: 11px; background: linear-gradient(135deg, var(--brand), var(--brand-2)); color: #fff; display: grid; place-items: center; font-size: 18px; }
.brand .b-sub { display: block; font-size: 10.5px; font-weight: 600; letter-spacing: .12em; text-transform: uppercase; color: var(--muted); }
.nav-links { display: flex; align-items: center; gap: 4px; }
.nav-links a { color: #374151; font-weight: 500; font-size: 15px; padding: 8px 14px; border-radius: 9px; }
.nav-links a:hover, .nav-links a.active { color: var(--brand); background: var(--brand-soft); text-decoration: none; }
.call-btn { background: var(--brand); color: #fff !important; font-weight: 600; padding: 10px 18px !important; border-radius: 10px; }
.call-btn:hover { background: #0b2d6b; color: #fff !important; text-decoration: none; }
.menu-toggle { display: none; font-size: 22px; background: none; border: none; color: var(--brand); cursor: pointer; }
@media (max-width: 900px) {
  .nav-links { display: none; }
  .menu-toggle { display: block; }
  .nav-links.open { display: flex; flex-direction: column; align-items: stretch; position: absolute; top: 100%; left: 0; right: 0; background: #fff; padding: 12px 22px; gap: 4px; border-bottom: 1px solid var(--line); box-shadow: 0 18px 30px rgba(14,58,137,.08); }
  .brand { font-size: 17px; }
}

/* ---------- HERO ---------- */
.hero { background: linear-gradient(120deg, #f4f8ff 0%, #eaf0fb 100%); overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.05fr .95fr; gap: 40px; align-items: center; padding: 66px 22px; }
.hero .pill { display: inline-flex; align-items: center; gap: 8px; background: #fff; border: 1px solid #cdd9f0; color: var(--brand); padding: 8px 16px; border-radius: 30px; font-weight: 600; font-size: 14px; }
.hero h1 { font-size: clamp(2.2rem, 4.6vw, 3.4rem); font-weight: 800; margin: 18px 0 14px; line-height: 1.1; }
.hero h1 span { color: var(--brand); }
.hero p.sub { font-size: 1.13rem; color: var(--muted); max-width: 520px; }
.hero-cta { display: flex; align-items: center; gap: 18px; flex-wrap: wrap; margin-top: 26px; }
.btn-primary-x { display: inline-flex; align-items: center; gap: 10px; background: var(--brand); color: #fff; font-weight: 600; font-size: 1.02rem; padding: 14px 28px; border-radius: 12px; box-shadow: 0 12px 26px rgba(14,58,137,.28); transition: transform .2s; }
.btn-primary-x:hover { transform: translateY(-2px); color: #fff; text-decoration: none; }
.btn-light { display: inline-flex; align-items: center; gap: 10px; background: #fff; color: var(--brand); font-weight: 700; font-size: 1.05rem; padding: 13px 26px; border-radius: 12px; box-shadow: 0 10px 22px rgba(11,45,107,.25); transition: transform .2s; }
.btn-light:hover { transform: translateY(-2px); color: var(--brand); text-decoration: none; }
.hero .phone-inline { font-size: 1.25rem; font-weight: 800; color: var(--brand); display: inline-flex; align-items: center; gap: 8px; }
.hero-mini { display: flex; gap: 22px; margin-top: 26px; flex-wrap: wrap; }
.hero-mini div { font-size: 14px; color: var(--ink); font-weight: 600; }
.hero-mini i { color: var(--brand-2); margin-right: 7px; }
.hero-photo { position: relative; min-height: 420px; }
.hero-visual {
  width: 100%; height: 420px; border-radius: 22px; box-shadow: 0 24px 60px rgba(14,58,137,.22);
  background: linear-gradient(140deg, #cfe0fb, #a9c4ee); position: relative; overflow: hidden;
  display: flex; align-items: center; justify-content: center;
}
.hero-visual::after { content: ""; position: absolute; right: -70px; bottom: -80px; width: 260px; height: 260px; border-radius: 50%; background: radial-gradient(circle, rgba(255,255,255,.5), transparent 65%); }
.hero-visual > i { color: #fff; font-size: 140px; filter: drop-shadow(0 10px 18px rgba(14,58,137,.35)); position: relative; z-index: 2; opacity: .95; }
.hero-badge { position: absolute; bottom: -18px; left: -18px; background: #fff; border-radius: 16px; padding: 16px 20px; box-shadow: 0 16px 40px rgba(0,0,0,.14); display: flex; align-items: center; gap: 12px; }
.hero-badge .ico { width: 42px; height: 42px; border-radius: 12px; background: var(--brand-soft); color: var(--brand); display: flex; align-items: center; justify-content: center; font-size: 20px; }
.hero-badge b { font-size: 1.05rem; display: block; }
.hero-badge small { color: var(--muted); }
@media (max-width: 900px) {
  .hero-grid { grid-template-columns: 1fr; text-align: center; padding: 52px 22px; }
  .hero p.sub, .hero-cta, .hero-mini { justify-content: center; margin-left: auto; margin-right: auto; }
  .hero-visual { height: 280px; }
  .hero-badge { left: 50%; transform: translateX(-50%); }
}

/* ---------- Trust bar ---------- */
.trustbar { border-bottom: 1px solid var(--line); background: #fff; }
.trustbar-inner { display: flex; flex-wrap: wrap; justify-content: center; gap: 34px; padding: 20px 22px; }
.trustbar span { font-weight: 600; font-size: 14px; color: var(--ink); }
.trustbar i { color: var(--brand-2); margin-right: 7px; }

/* ---------- Section base ---------- */
.section { padding: 78px 22px; }
.section-head { text-align: center; max-width: 640px; margin: 0 auto 50px; }
.section-head p { color: var(--muted); font-size: 1.08rem; margin-top: 12px; }

/* ---------- Services (photo cards) ---------- */
.services-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(290px, 1fr)); gap: 28px; }
.service-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; overflow: hidden; box-shadow: 0 8px 24px rgba(14,58,137,.06); transition: transform .25s, box-shadow .25s; display: flex; flex-direction: column; }
.service-card:hover { transform: translateY(-8px); box-shadow: 0 20px 44px rgba(14,58,137,.16); }
.service-card .thumb { position: relative; height: 190px; overflow: hidden; display: flex; align-items: center; justify-content: center; }
.service-card .thumb > i { color: #ffffff; opacity: .9; font-size: 56px; filter: drop-shadow(0 4px 8px rgba(14,58,137,.28)); }
.service-card .thumb span { position: absolute; top: 14px; left: 14px; background: var(--brand); color: #fff; font-size: 12px; font-weight: 700; padding: 6px 13px; border-radius: 20px; }
.service-card .body { padding: 22px 24px 26px; display: flex; flex-direction: column; flex: 1; }
.service-card h3 { font-size: 1.3rem; font-weight: 700; }
.service-card p { color: var(--muted); font-size: .96rem; margin-top: 8px; flex: 1; }
.service-card a.callink { display: inline-flex; align-items: center; gap: 8px; margin-top: 18px; background: var(--brand-soft); color: var(--brand); font-weight: 600; font-size: .95rem; padding: 10px 18px; border-radius: 10px; transition: .2s; }
.service-card a.callink:hover { background: var(--brand); color: #fff; text-decoration: none; }
.thumb-auto   { background: linear-gradient(135deg, #a9c4ee, #7ea3e0); }
.thumb-home   { background: linear-gradient(135deg, #b7d0f2, #8fb0e4); }
.thumb-life   { background: linear-gradient(135deg, #c9e0f5, #9dbc70); }
.thumb-health { background: linear-gradient(135deg, #9fd0d8, #69aeb8); }
.thumb-biz    { background: linear-gradient(135deg, #c4b8ea, #9a8adf); }
.thumb-more   { background: linear-gradient(135deg, #f2d9a4, #e0b96e); }

/* ---------- Feature / why ---------- */
.why { background: var(--brand-soft); }
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 26px; }
.feature { background: #fff; border-radius: 18px; padding: 30px 26px; box-shadow: 0 8px 22px rgba(0,0,0,.05); }
.feature .ico { width: 56px; height: 56px; border-radius: 14px; background: var(--brand); color: #fff; display: flex; align-items: center; justify-content: center; font-size: 24px; margin-bottom: 16px; }
.feature h4 { font-size: 1.15rem; }
.feature p { color: var(--muted); margin-top: 8px; }

/* ---------- Steps ---------- */
.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(250px, 1fr)); gap: 26px; }
.step { position: relative; background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 30px 26px; }
.step .num { width: 50px; height: 50px; border-radius: 14px; background: linear-gradient(135deg, var(--brand), var(--brand-2)); color: #fff; display: flex; align-items: center; justify-content: center; font-weight: 800; font-size: 1.25rem; margin-bottom: 16px; }
.step h4 { font-size: 1.15rem; }
.step p { color: var(--muted); margin-top: 8px; }

/* ---------- Stats ---------- */
.stats { background: linear-gradient(135deg, var(--brand), var(--brand-3)); color: #fff; }
.stats-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(160px, 1fr)); gap: 24px; text-align: center; }
.stat b { display: block; font-size: 2.4rem; font-weight: 800; color: #fff; }
.stat span { color: #cfdcf6; font-size: .98rem; }

/* ---------- Testimonials ---------- */
.testi-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 26px; }
.testi { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 28px 26px; box-shadow: 0 8px 22px rgba(0,0,0,.05); display: flex; flex-direction: column; gap: 14px; }
.testi .stars { color: #f5a623; letter-spacing: 2px; }
.testi p { color: var(--ink); font-style: italic; font-size: .97rem; flex: 1; }
.testi .author { display: flex; align-items: center; gap: 12px; }
.testi .avatar { width: 44px; height: 44px; border-radius: 50%; background: linear-gradient(135deg, var(--brand), var(--brand-2)); color: #fff; display: grid; place-items: center; font-weight: 700; }
.testi .author strong { display: block; font-size: 14.5px; }
.testi .author small { color: var(--muted); font-size: 12.5px; }

/* ---------- CTA ---------- */
.cta { text-align: center; padding: 40px 22px 78px; }
.cta .box { background: linear-gradient(135deg, var(--brand), var(--brand-2)); border-radius: 26px; padding: 56px 30px; color: #fff; }
.cta i.big { font-size: 46px; color: #fff; }
.cta h2 { color: #fff; margin-top: 14px; font-size: clamp(1.6rem, 3vw, 2.1rem); }
.cta p { color: #d5e0f6; margin-top: 10px; max-width: 620px; margin-left: auto; margin-right: auto; }
.cta .phone-btn { display: inline-block; margin-top: 24px; background: #fff; color: var(--brand); font-weight: 800; font-size: 1.35rem; padding: 16px 32px; border-radius: 14px; box-shadow: 0 12px 28px rgba(0,0,0,.25); }
.cta .phone-btn i { margin-right: 8px; }

/* ---------- Page hero (inner pages) ---------- */
.page-hero { background: linear-gradient(120deg, #eef3fc 0%, #e3ecf9 100%); padding: 56px 22px; border-bottom: 1px solid var(--line); }
.page-hero .crumbs { font-size: 13.5px; color: var(--brand-2); font-weight: 600; margin-bottom: 12px; }
.page-hero .crumbs a { color: var(--brand-2); }
.page-hero .crumbs a:hover { text-decoration: underline; }
.page-hero h1 { font-size: clamp(1.9rem, 4vw, 2.7rem); font-weight: 800; max-width: 24ch; }
.page-hero p { color: var(--muted); max-width: 62ch; font-size: 1.05rem; margin-top: 10px; }

.page-body { padding: 64px 22px 20px; }
.page-content { max-width: 900px; }
.page-content h2 { font-size: 1.6rem; font-weight: 800; margin: 40px 0 14px; scroll-margin-top: 100px; }
.page-content h2:first-child { margin-top: 0; }
.page-content h3 { font-size: 1.2rem; font-weight: 700; margin: 26px 0 10px; }
.page-content p { color: var(--muted); margin-bottom: 16px; }
.page-content ul, .page-content ol { margin: 0 0 18px 22px; color: var(--muted); }
.page-content li { margin-bottom: 8px; }
.page-content li::marker { color: var(--brand-2); }

.feat-list { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; margin: 18px 0 24px; }
.feat-list li { background: var(--brand-soft); border-radius: 12px; padding: 13px 16px; font-size: 14.5px; list-style: none; display: flex; gap: 10px; align-items: flex-start; }
.feat-list li::before { content: "\f00c"; font-family: "Font Awesome 6 Free"; font-weight: 900; color: var(--brand-2); }

/* ---------- Compare table ---------- */
.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: 16px; margin: 20px 0 26px; }
table.compare { width: 100%; border-collapse: collapse; min-width: 620px; background: #fff; }
table.compare th, table.compare td { padding: 14px 16px; text-align: left; font-size: 14.5px; }
table.compare thead th { background: var(--brand); color: #fff; font-weight: 600; }
table.compare tbody tr:nth-child(even) { background: #f7f9fd; }
table.compare td:first-child { font-weight: 700; color: var(--ink); }
table.compare .tick { color: var(--brand-2); font-weight: 700; }
table.compare .cross { color: #d64545; font-weight: 700; }

/* ---------- Accordion (FAQ) ---------- */
.accordion { border: 1px solid var(--line); border-radius: 16px; overflow: hidden; }
.acc-item { border-bottom: 1px solid var(--line); }
.acc-item:last-child { border-bottom: none; }
.acc-head { width: 100%; text-align: left; background: #fff; border: none; cursor: pointer; padding: 18px 20px; font-family: inherit; font-size: 16px; font-weight: 700; color: var(--ink); display: flex; justify-content: space-between; align-items: center; gap: 12px; }
.acc-head i { color: var(--brand-2); font-size: 18px; transition: transform .25s; }
.acc-item.open .acc-head i { transform: rotate(45deg); }
.acc-body { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.acc-body-inner { padding: 0 20px 18px; color: var(--muted); font-size: 14.8px; }

/* ---------- Forms ---------- */
.form-card { background: #fff; border: 1px solid var(--line); border-radius: 20px; box-shadow: 0 8px 24px rgba(14,58,137,.07); padding: 34px; }
.form-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-row { grid-column: 1 / -1; }
.form-card label { display: block; font-size: 13.5px; font-weight: 600; color: var(--ink); margin-bottom: 6px; }
.form-card label span { color: #d64545; }
.form-card input, .form-card select, .form-card textarea { width: 100%; padding: 12px 14px; border: 1.5px solid var(--line); border-radius: 10px; font-family: inherit; font-size: 15px; background: #f8fafd; color: var(--ink); }
.form-card input:focus, .form-card select:focus, .form-card textarea:focus { outline: none; border-color: var(--brand-2); background: #fff; }
.form-card textarea { resize: vertical; min-height: 110px; }
.form-card .btn-brand { margin-top: 20px; }

/* ---------- Contact info cards ---------- */
.contact-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px, 1fr)); gap: 22px; margin-bottom: 48px; }
.mini-card { background: #fff; border: 1px solid var(--line); border-radius: 18px; padding: 26px; box-shadow: 0 8px 22px rgba(0,0,0,.05); }
.mini-card .ico { width: 50px; height: 50px; border-radius: 13px; background: var(--brand-soft); color: var(--brand); display: grid; place-items: center; font-size: 21px; margin-bottom: 14px; }
.mini-card h3 { font-size: 1.1rem; }
.mini-card p { color: var(--muted); font-size: 14.5px; margin: 6px 0 10px; }
.mini-card a.link { color: var(--brand); font-weight: 700; font-size: 14.5px; }

/* ---------- Footer ---------- */
footer { background: var(--foot); color: #c4ccdb; padding: 56px 22px 28px; }
.foot-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 30px; }
.foot-grid h5 { color: #fff; font-size: 1rem; margin-bottom: 14px; text-transform: uppercase; letter-spacing: .05em; }
.foot-grid a, .foot-grid li { color: #97a1b5; font-size: 14px; line-height: 32px; list-style: none; }
.foot-grid a:hover { color: #fff; text-decoration: none; }
.foot-brand .brand { color: #fff; }
.foot-brand p { color: #97a1b5; font-size: 14px; margin-top: 12px; }
.foot-brand .fb-phone { color: #fff; font-weight: 800; font-size: 1.5rem; margin-top: 10px; display: inline-block; }
.foot-disc { border-top: 1px solid #24304b; margin-top: 34px; padding-top: 22px; color: #8b95aa; font-size: 12.5px; line-height: 1.7; }
.foot-rights { border-top: 1px solid #24304b; margin-top: 18px; padding-top: 18px; color: #8b95aa; font-size: 12.5px; display: flex; justify-content: space-between; gap: 12px; flex-wrap: wrap; }
@media (max-width: 820px) { .foot-grid { grid-template-columns: 1fr 1fr; } }
@media (max-width: 520px) { .foot-grid { grid-template-columns: 1fr; } }

/* ---------- Floating call ---------- */
.float-call { position: fixed; bottom: 22px; right: 22px; z-index: 40; background: var(--brand); color: #fff; width: 58px; height: 58px; border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 22px; box-shadow: 0 8px 22px rgba(14,58,137,.4); animation: pulse 1.6s infinite; }
.float-call:hover { color: #fff; }
@keyframes pulse { 0% { box-shadow: 0 0 0 0 rgba(14,58,137,.45); } 100% { box-shadow: 0 0 0 18px rgba(14,58,137,0); } }

/* ---------- Split (forms / info) ---------- */
.split { display: grid; grid-template-columns: 1.05fr .95fr; gap: 48px; align-items: start; }
.split-text h2 { font-size: clamp(1.5rem, 3vw, 2rem); font-weight: 800; margin: 12px 0 14px; }
.split-text p { color: var(--muted); margin-bottom: 14px; }

@media (max-width: 900px) {
  .split { grid-template-columns: 1fr; }
  .feat-list { grid-template-columns: 1fr; }
  .form-grid { grid-template-columns: 1fr; }
  .section { padding: 56px 22px; }
}