:root {
  --navy: #17345c;
  --navy-dark: #102743;
  --blue: #2978a0;
  --sky: #e8f4f8;
  --cream: #fffaf2;
  --green: #2d7b66;
  --text: #243142;
  --muted: #607083;
  --white: #ffffff;
  --border: #dce5eb;
  --shadow: 0 20px 50px rgba(23, 52, 92, 0.12);
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; font-family: "DM Sans", sans-serif; color: var(--text); line-height: 1.65; background: var(--white); }
a { color: inherit; text-decoration: none; }
img { max-width: 100%; }
.container { width: min(1120px, calc(100% - 40px)); margin: 0 auto; }
.skip-link { position: fixed; left: 12px; top: -60px; z-index: 1000; background: white; padding: 12px 16px; border-radius: 8px; }
.skip-link:focus { top: 12px; }

.topbar { background: var(--navy-dark); color: white; font-size: .9rem; }
.topbar-inner { min-height: 38px; display: flex; justify-content: space-between; align-items: center; gap: 20px; }
.topbar a { font-weight: 700; }
.site-header { position: sticky; top: 0; z-index: 100; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(220,229,235,.9); backdrop-filter: blur(12px); }
.nav-wrap { min-height: 78px; display: flex; justify-content: space-between; align-items: center; }
.brand { display: inline-flex; align-items: center; gap: 11px; font-family: "Manrope", sans-serif; font-size: 1.35rem; font-weight: 800; color: var(--navy); }
.brand-mark { width: 40px; height: 40px; display: grid; place-items: center; border-radius: 13px 13px 13px 3px; background: var(--green); color: white; }
.site-nav { display: flex; align-items: center; gap: 28px; font-weight: 600; }
.site-nav a:not(.button):hover { color: var(--green); }
.menu-button { display: none; border: 0; background: transparent; padding: 8px; }
.menu-button span { display: block; width: 24px; height: 2px; background: var(--navy); margin: 5px; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 52px; padding: 0 24px; border: 0; border-radius: 12px; background: var(--green); color: white; font-weight: 700; font-size: 1rem; cursor: pointer; box-shadow: 0 8px 22px rgba(45,123,102,.2); transition: transform .2s ease, box-shadow .2s ease; }
.button:hover { transform: translateY(-2px); box-shadow: 0 12px 28px rgba(45,123,102,.28); }
.button-small { min-height: 42px; padding: 0 18px; }
.button-secondary { background: white; color: var(--navy); border: 1px solid var(--border); box-shadow: none; }
.button-light { background: white; color: var(--navy); }
.full-width { width: 100%; }

.hero { background: linear-gradient(120deg, var(--cream) 0%, #f7fbfd 52%, var(--sky) 100%); padding: 92px 0 86px; overflow: hidden; }
.hero-grid { display: grid; grid-template-columns: 1.08fr .92fr; gap: 72px; align-items: center; }
.eyebrow { display: inline-block; color: var(--green); font-size: .82rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; margin-bottom: 14px; }
.eyebrow-light { color: #cce8df; }
h1, h2, h3 { font-family: "Manrope", sans-serif; color: var(--navy); line-height: 1.15; margin-top: 0; }
h1 { font-size: clamp(2.7rem, 6vw, 5.3rem); letter-spacing: -.05em; margin-bottom: 24px; max-width: 780px; }
h2 { font-size: clamp(2rem, 4vw, 3.35rem); letter-spacing: -.035em; margin-bottom: 18px; }
h3 { font-size: 1.15rem; margin-bottom: 10px; }
.hero-lead { font-size: 1.22rem; color: var(--muted); max-width: 650px; margin: 0 0 32px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; }
.trust-row { display: flex; flex-wrap: wrap; gap: 20px; margin-top: 28px; color: var(--navy); font-weight: 600; font-size: .95rem; }
.hero-card { background: white; border: 1px solid rgba(220,229,235,.8); border-radius: 28px; padding: 34px; box-shadow: var(--shadow); position: relative; }
.hero-card::after { content: ""; position: absolute; width: 170px; height: 170px; border-radius: 50%; background: rgba(45,123,102,.08); top: -48px; right: -58px; }
.hero-card-top { display: flex; gap: 16px; align-items: center; padding-bottom: 24px; border-bottom: 1px solid var(--border); position: relative; z-index: 1; }
.phone-icon { width: 58px; height: 58px; border-radius: 18px; background: var(--sky); display: grid; place-items: center; font-size: 1.7rem; }
.small-label { color: var(--muted); margin: 0 0 2px; font-size: .9rem; }
.hero-card h2 { font-size: 1.55rem; margin: 0; }
.mini-steps { list-style: none; padding: 22px 0 8px; margin: 0; }
.mini-steps li { display: flex; gap: 14px; margin-bottom: 19px; }
.mini-steps li > span { flex: 0 0 33px; height: 33px; display: grid; place-items: center; border-radius: 50%; background: var(--green); color: white; font-weight: 800; }
.mini-steps p { margin: 2px 0 0; color: var(--muted); font-size: .94rem; }
.text-link { color: var(--green); font-weight: 700; }

.intro-strip { background: var(--navy); color: white; }
.intro-grid { display: grid; grid-template-columns: repeat(3, 1fr); }
.intro-grid > div { padding: 28px 30px; border-right: 1px solid rgba(255,255,255,.15); }
.intro-grid > div:last-child { border-right: 0; }
.intro-grid strong, .intro-grid span { display: block; }
.intro-grid strong { font-family: "Manrope", sans-serif; font-size: 1.05rem; }
.intro-grid span { color: #d7e1ec; font-size: .92rem; margin-top: 3px; }

.section { padding: 104px 0; }
.section-soft { background: #f5f9fb; }
.section-heading { max-width: 720px; margin-bottom: 48px; }
.section-heading p, .how-copy p, .about-panel p, .provider-grid p, .contact-copy > p { color: var(--muted); font-size: 1.06rem; }
.service-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 18px; }
.service-card { border: 1px solid var(--border); border-radius: 18px; padding: 26px 23px; background: white; transition: transform .2s ease, box-shadow .2s ease; }
.service-card:hover { transform: translateY(-5px); box-shadow: 0 16px 36px rgba(23,52,92,.09); }
.service-icon { font-size: 2rem; display: inline-block; margin-bottom: 15px; }
.service-card p { margin: 0; color: var(--muted); font-size: .95rem; }

.how-grid { display: grid; grid-template-columns: .8fr 1.2fr; gap: 72px; align-items: start; }
.how-copy { position: sticky; top: 130px; }
.steps { display: grid; gap: 16px; }
.steps article { display: grid; grid-template-columns: 70px 1fr; gap: 18px; background: white; padding: 26px; border-radius: 18px; border: 1px solid var(--border); }
.steps article > span { color: var(--green); font-family: "Manrope", sans-serif; font-weight: 800; font-size: 1.5rem; }
.steps p { margin: 0; color: var(--muted); }

.about-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 70px; align-items: center; }
.about-panel { padding-right: 30px; }
.value-grid { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.value-grid article { background: var(--cream); border-radius: 18px; padding: 25px; min-height: 170px; }
.value-grid p { color: var(--muted); margin-bottom: 0; }

.cta-band { background: var(--green); color: white; padding: 62px 0; }
.cta-inner { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.cta-band h2 { color: white; margin-bottom: 6px; }
.cta-band p { margin: 0; color: #d9eee8; }
.provider-grid { display: grid; grid-template-columns: 1.25fr .75fr; gap: 70px; align-items: center; }
.check-list { display: grid; grid-template-columns: 1fr 1fr; gap: 12px 22px; padding: 0; list-style: none; margin-top: 28px; }
.check-list li::before { content: "✓"; color: var(--green); font-weight: 900; margin-right: 9px; }
.provider-card { background: var(--navy); color: white; padding: 38px; border-radius: 24px; }
.provider-card h3 { color: white; font-size: 1.5rem; }
.provider-card p { color: #d8e3ed; }

.contact-grid { display: grid; grid-template-columns: .82fr 1.18fr; gap: 70px; }
.contact-details { display: grid; gap: 12px; margin-top: 30px; }
.contact-details a, .contact-details > div { background: white; border: 1px solid var(--border); border-radius: 14px; padding: 18px 20px; }
.contact-details strong, .contact-details span { display: block; }
.contact-details span { color: var(--muted); }
.contact-form { background: white; padding: 34px; border-radius: 22px; box-shadow: var(--shadow); }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
label { display: block; font-weight: 700; color: var(--navy); margin-bottom: 17px; }
input, select, textarea { width: 100%; border: 1px solid #cfdce4; border-radius: 10px; padding: 13px 14px; margin-top: 7px; font: inherit; color: var(--text); background: white; }
input:focus, select:focus, textarea:focus { outline: 3px solid rgba(45,123,102,.16); border-color: var(--green); }
textarea { resize: vertical; }
.consent { display: flex; align-items: flex-start; gap: 10px; font-weight: 500; color: var(--muted); }
.consent input { width: auto; margin-top: 5px; }
.form-note { min-height: 24px; margin-bottom: 0; color: var(--green); font-weight: 700; }
.disclaimer-section { padding: 24px 0; background: #eef3f6; font-size: .88rem; color: var(--muted); }
.disclaimer-section p { margin: 0; }

.site-footer { background: var(--navy-dark); color: white; padding: 68px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.6fr 1fr 1fr 1fr; gap: 50px; }
.brand-footer { color: white; }
.footer-grid p { color: #b8c7d4; max-width: 330px; }
.footer-grid h3 { color: white; font-size: 1rem; margin-bottom: 16px; }
.footer-grid > div:not(:first-child) { display: flex; flex-direction: column; align-items: flex-start; }
.footer-grid a:not(.brand) { color: #c9d4de; margin-bottom: 9px; }
.footer-grid a:hover { color: white; }
.footer-bottom { border-top: 1px solid rgba(255,255,255,.12); margin-top: 45px; padding-top: 22px; display: flex; justify-content: space-between; color: #9fb0bf; font-size: .9rem; }
.floating-call { display: none; }

@media (max-width: 960px) {
  .site-nav { position: absolute; top: 78px; left: 0; right: 0; background: white; padding: 22px 20px 28px; flex-direction: column; align-items: stretch; gap: 15px; border-bottom: 1px solid var(--border); display: none; }
  .site-nav.open { display: flex; }
  .menu-button { display: block; }
  .hero-grid, .how-grid, .about-grid, .provider-grid, .contact-grid { grid-template-columns: 1fr; gap: 48px; }
  .how-copy { position: static; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .footer-grid { grid-template-columns: 1.4fr 1fr 1fr; }
  .footer-grid > div:last-child { grid-column: 2; }
}

@media (max-width: 680px) {
  .container { width: min(100% - 28px, 1120px); }
  .topbar-inner span { display: none; }
  .topbar-inner { justify-content: center; }
  .hero { padding: 65px 0 58px; }
  h1 { font-size: 2.75rem; }
  .hero-card { padding: 26px 21px; }
  .intro-grid, .service-grid, .value-grid, .form-row, .footer-grid { grid-template-columns: 1fr; }
  .intro-grid > div { border-right: 0; border-bottom: 1px solid rgba(255,255,255,.15); padding: 21px 8px; }
  .section { padding: 74px 0; }
  .steps article { grid-template-columns: 48px 1fr; padding: 22px 18px; }
  .cta-inner { flex-direction: column; align-items: flex-start; }
  .check-list { grid-template-columns: 1fr; }
  .contact-form { padding: 24px 18px; }
  .footer-grid > div:last-child { grid-column: auto; }
  .footer-bottom { flex-direction: column; gap: 6px; padding-bottom: 70px; }
  .floating-call { display: inline-flex; position: fixed; bottom: 14px; left: 14px; right: 14px; z-index: 90; min-height: 52px; align-items: center; justify-content: center; gap: 9px; background: var(--green); color: white; font-weight: 800; border-radius: 14px; box-shadow: 0 10px 30px rgba(16,39,67,.28); }
}

/* 2026 visual refresh */
:root {
  --navy: #173b63;
  --navy-dark: #0b2945;
  --blue: #327ea8;
  --sky: #eaf7fb;
  --cream: #fff9ed;
  --green: #16856f;
  --green-bright: #27a98d;
  --coral: #ef7b67;
  --gold: #f1b95d;
  --shadow: 0 24px 70px rgba(14, 48, 77, .14);
}
body { background: linear-gradient(180deg,#fff 0%,#fbfdfe 100%); }
.topbar { background: linear-gradient(90deg,var(--navy-dark),#174a6e); }
.topbar-links { display:flex; gap:24px; align-items:center; }
.topbar-links a:first-child { color:#d9f5ef; }
.brand-mark { background: linear-gradient(145deg,var(--green-bright),var(--green)); box-shadow:0 8px 20px rgba(22,133,111,.25); }
.site-header { box-shadow:0 6px 26px rgba(17,52,84,.05); }
.site-nav a:not(.button) { position:relative; }
.site-nav a:not(.button)::after { content:""; position:absolute; left:0; right:100%; bottom:-7px; height:2px; background:var(--green); transition:right .2s ease; }
.site-nav a:not(.button):hover::after { right:0; }
.button { border-radius:999px; background:linear-gradient(135deg,var(--green-bright),var(--green)); box-shadow:0 10px 28px rgba(22,133,111,.25); }
.button-secondary { background:#fff; }
.hero { position:relative; background:radial-gradient(circle at 92% 14%,rgba(39,169,141,.18),transparent 25%),radial-gradient(circle at 8% 90%,rgba(241,185,93,.16),transparent 26%),linear-gradient(130deg,#fffaf0 0%,#f8fcfd 48%,#eaf7fb 100%); padding:104px 0 94px; }
.hero::before { content:""; position:absolute; inset:0; pointer-events:none; opacity:.28; background-image:radial-gradient(#2c7e95 1px,transparent 1px); background-size:24px 24px; mask-image:linear-gradient(90deg,transparent,#000,transparent); }
.hero-copy,.hero-visual { position:relative; z-index:1; }
.hero h1 em { font-style:normal; color:var(--green); position:relative; white-space:nowrap; }
.hero h1 em::after { content:""; position:absolute; height:10px; left:0; right:0; bottom:2px; background:rgba(241,185,93,.42); z-index:-1; border-radius:20px; transform:rotate(-1deg); }
.hero-eyebrow { background:#fff; border:1px solid rgba(22,133,111,.18); padding:8px 13px; border-radius:999px; box-shadow:0 7px 22px rgba(23,59,99,.06); }
.hero-visual { padding:36px 14px; }
.hero-card { border:1px solid rgba(255,255,255,.9); box-shadow:0 32px 90px rgba(14,48,77,.18); transform:rotate(1.2deg); }
.hero-card::before { content:""; position:absolute; inset:10px; border:1px dashed rgba(22,133,111,.18); border-radius:21px; pointer-events:none; }
.hero-card-top,.mini-steps,.text-link { position:relative; z-index:2; }
.floating-badge { position:absolute; z-index:3; background:#fff; color:var(--navy); font-weight:800; border:1px solid rgba(21,69,104,.1); border-radius:999px; padding:11px 17px; box-shadow:0 16px 40px rgba(14,48,77,.15); font-size:.9rem; }
.badge-one { top:4px; right:-12px; }
.badge-two { bottom:3px; left:-18px; }
.hero-proof { display:grid; grid-template-columns:repeat(3,1fr); gap:10px; margin-top:32px; max-width:680px; }
.hero-proof div { padding:14px 12px; border-left:3px solid var(--green); background:rgba(255,255,255,.68); border-radius:0 12px 12px 0; }
.hero-proof strong,.hero-proof span { display:block; }
.hero-proof strong { color:var(--navy); font-size:.95rem; }
.hero-proof span { color:var(--muted); font-size:.78rem; }
.intro-strip { background:linear-gradient(90deg,var(--navy-dark),var(--navy),#155b70); }
.intro-grid > div { position:relative; }
.intro-grid > div::before { content:""; width:8px; height:8px; border-radius:50%; background:var(--gold); position:absolute; left:11px; top:34px; }
.section-heading { margin-left:auto; margin-right:auto; text-align:center; }
.service-grid { gap:22px; }
.service-card { position:relative; overflow:hidden; border:1px solid rgba(211,226,234,.9); border-radius:24px; padding:29px 25px; box-shadow:0 12px 34px rgba(23,59,99,.05); }
.service-card::after { content:""; position:absolute; width:85px; height:85px; border-radius:50%; right:-35px; bottom:-42px; background:rgba(39,169,141,.09); transition:transform .25s ease; }
.service-card:hover::after { transform:scale(1.45); }
.service-icon { width:56px; height:56px; display:grid; place-items:center; border-radius:18px; background:linear-gradient(145deg,var(--sky),#fff5df); font-size:1.75rem; }
.steps article { border-radius:22px; transition:transform .2s ease,box-shadow .2s ease; }
.steps article:hover { transform:translateX(5px); box-shadow:0 15px 38px rgba(23,59,99,.08); }
.value-grid article:nth-child(1){background:#edf9f6}.value-grid article:nth-child(2){background:#fff6e8}.value-grid article:nth-child(3){background:#eef7fc}.value-grid article:nth-child(4){background:#fff0ed}
.cta-band { background:linear-gradient(120deg,var(--green),#13788a); position:relative; overflow:hidden; }
.cta-band::after { content:""; position:absolute; width:330px; height:330px; border:60px solid rgba(255,255,255,.08); border-radius:50%; right:-90px; top:-140px; }
.provider-card { background:linear-gradient(145deg,var(--navy),var(--navy-dark)); box-shadow:0 24px 60px rgba(11,41,69,.18); }
.contact-form { border:1px solid rgba(255,255,255,.8); }
.contact-details a:hover { border-color:var(--green); transform:translateY(-2px); }
.contact-details a,.contact-details>div { transition:.2s ease; }
.site-footer { background:linear-gradient(140deg,#092238,#0d3553); }
@media (max-width:960px){.hero-visual{max-width:620px;margin:auto}.badge-one{right:0}.badge-two{left:0}}
@media (max-width:680px){.topbar-links a:first-child{display:none}.hero-proof{grid-template-columns:1fr}.floating-badge{position:static;display:inline-flex;margin:8px 0}.hero-visual{padding:12px 0}.hero-card{transform:none}.intro-grid>div::before{left:0}.hero h1 em{white-space:normal}}