:root{
  --navy:#0f2a44;--navy-2:#16395c;--ink:#1b2430;--muted:#536170;--line:#dfe5ec;
  --bg:#ffffff;--bg-soft:#f4f7fa;--accent:#f28c28;--accent-dark:#a3530a;--ok:#1d7a46;--warn:#8a5100;
  --radius:12px;--max:1120px;
  --font:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:1.0625rem}
img,svg{max-width:100%;height:auto}
a{color:var(--navy-2);text-underline-offset:2px}
a:hover{color:var(--accent-dark)}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}
h1{font-size:clamp(2rem,4.5vw,3rem)}
h2{font-size:clamp(1.5rem,3vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.container{width:min(100% - 2.5rem,var(--max));margin-inline:auto}
.narrow{max-width:800px}
.skip-link{position:absolute;left:-999px;top:0;background:var(--accent);color:#000;padding:.6rem 1rem;z-index:100;font-weight:600}
.skip-link:focus{left:1rem;top:1rem}
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.header-inner{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:64px}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;text-decoration:none;font-weight:700;font-size:1.15rem}
.brand:hover{color:#fff}
.brand img{width:34px;height:34px}
.brand span{color:var(--accent)}
.nav-toggle{display:none;background:transparent;border:2px solid rgba(255,255,255,.5);color:#fff;border-radius:8px;padding:.35rem .7rem;font:inherit;cursor:pointer}
.site-nav ul{list-style:none;display:flex;gap:1.2rem;margin:0;padding:0;align-items:center}
.site-nav a{color:#e6edf5;text-decoration:none;font-weight:500}
.site-nav a:hover,.site-nav a[aria-current="page"]{color:var(--accent)}
.site-nav a.btn{color:#111}
@media (max-width:860px){
  .nav-toggle{display:inline-block}
  .site-nav{display:none;width:100%}
  .site-nav.open{display:block}
  .header-inner{flex-wrap:wrap;padding:.5rem 0}
  .site-nav ul{flex-direction:column;align-items:flex-start;gap:.2rem;padding:.5rem 0 1rem}
  .site-nav a{display:block;padding:.4rem 0}
}
.btn{display:inline-block;background:var(--accent);color:#111;text-decoration:none;padding:.75rem 1.25rem;border-radius:10px;border:2px solid var(--accent);cursor:pointer;font:inherit;font-weight:700}
.btn:hover{background:#ffa64d;border-color:#ffa64d;color:#111}
.btn-outline{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn-outline:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-small{padding:.45rem .9rem;font-size:.95rem}
.section{padding:4.5rem 0}
.section-soft{background:var(--bg-soft)}
.section-head{max-width:720px;margin-bottom:2.2rem}
.eyebrow{display:inline-block;font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;font-weight:700;color:var(--accent-dark);margin-bottom:.5rem}
.lead{font-size:1.2rem;color:var(--muted)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#e9f0f7;padding:5rem 0 4.5rem}
.hero h1{color:#fff;max-width:820px}
.hero .lead{color:#c9d6e4;max-width:680px}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.6rem}
.hero-note{margin-top:1.2rem;font-size:.95rem;color:#b9c9d9}
.badge{display:inline-block;background:rgba(242,140,40,.15);color:#ffb366;border:1px solid rgba(242,140,40,.45);border-radius:999px;padding:.2rem .75rem;font-size:.85rem;font-weight:600;margin-bottom:1rem}
.grid{display:grid;gap:1.4rem}
.grid-3{grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.grid-2{grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;box-shadow:0 1px 2px rgba(15,42,68,.04)}
.card h3{margin-top:.2rem}
.step-num{display:inline-flex;align-items:center;justify-content:center;width:2.2rem;height:2.2rem;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:.6rem}
.checklist{list-style:none;padding:0;margin:0}
.checklist li{padding-left:1.7rem;position:relative;margin-bottom:.55rem}
.checklist li::before{content:"";position:absolute;left:0;top:.45em;width:.95rem;height:.55rem;border-left:3px solid var(--ok);border-bottom:3px solid var(--ok);transform:rotate(-45deg)}
.sample-banner{background:#fff4e5;border:2px dashed var(--accent);color:#5a3300;border-radius:var(--radius);padding:.9rem 1.1rem;font-weight:600;margin-bottom:1.4rem}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{border-collapse:collapse;width:100%;min-width:680px;font-size:.97rem}
caption{text-align:left;padding:.8rem 1rem;font-weight:700;color:var(--navy)}
th,td{padding:.7rem 1rem;border-top:1px solid var(--line);text-align:left;vertical-align:top}
thead th{background:var(--bg-soft);font-size:.85rem;text-transform:uppercase;letter-spacing:.04em;color:var(--muted)}
.tag{display:inline-block;font-size:.78rem;font-weight:700;border-radius:999px;padding:.1rem .55rem;background:#e7f3ec;color:var(--ok);white-space:nowrap}
.tag-med{background:#fff1dc;color:var(--warn)}
.tag-low{background:#eef1f5;color:var(--muted)}
.alert-box{border-left:5px solid var(--accent);background:#fff8ef;padding:1rem 1.2rem;border-radius:0 var(--radius) var(--radius) 0;margin:1.2rem 0}
.template{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.4rem;white-space:pre-line;font-size:.98rem;margin:0 0 1rem}
.lead-card{border-left:4px solid var(--navy-2)}
.lead-card dl{display:grid;grid-template-columns:max-content 1fr;gap:.25rem 1rem;margin:0}
.lead-card dt{font-weight:700;color:var(--muted)}
.lead-card dd{margin:0}
.coverage-list{columns:2;column-gap:2rem;padding-left:1.1rem}
@media (max-width:600px){.coverage-list{columns:1}}
.price-card{display:flex;flex-direction:column}
.price-card.featured{border:2px solid var(--accent)}
.price{font-size:2.2rem;font-weight:800;color:var(--navy);margin:.2rem 0}
.price small{font-size:1rem;font-weight:500;color:var(--muted)}
.price-card .checklist{flex:1;margin:1rem 0 1.4rem}
.fine{font-size:.9rem;color:var(--muted)}
details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:0 1.2rem;margin-bottom:.8rem}
summary{cursor:pointer;font-weight:600;padding:1rem 0;color:var(--navy)}
details[open] summary{border-bottom:1px solid var(--line);margin-bottom:.8rem}
.form-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:2rem;box-shadow:0 4px 18px rgba(15,42,68,.06)}
.form-grid{display:grid;gap:1.1rem;grid-template-columns:1fr 1fr}
.form-grid .full{grid-column:1/-1}
@media (max-width:640px){.form-grid{grid-template-columns:1fr}.form-card{padding:1.3rem}}
label{display:block;font-weight:600;margin-bottom:.3rem}
.req{color:#b42318}
.optional{font-weight:400;color:var(--muted);font-size:.9rem}
input[type=text],input[type=email],input[type=tel],input[type=url],select,textarea{width:100%;font:inherit;padding:.65rem .8rem;border:1.5px solid #8d9aa8;border-radius:8px;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{border-color:var(--navy-2)}
textarea{min-height:140px;resize:vertical}
fieldset{border:1px solid var(--line);border-radius:8px;padding:.8rem 1rem;margin:0}
legend{font-weight:600;padding:0 .3rem}
.check{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;margin:.3rem 0}
.check input{margin-top:.35rem;width:1.1rem;height:1.1rem;flex:none}
.consent{background:var(--bg-soft);border-radius:8px;padding:1rem}
.hint{font-size:.9rem;color:var(--muted);margin:.3rem 0 0}
.hp-field{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.page-hero{background:var(--navy);color:#dbe5ef;padding:3rem 0 2.5rem}
.page-hero h1{color:#fff;margin-bottom:.4rem}
.page-hero p{color:#c3d1df;margin:0}
.prose h2{margin-top:2.2rem;font-size:1.45rem}
.prose h3{margin-top:1.5rem}
.prose ul,.prose ol{padding-left:1.3rem}
.prose li{margin-bottom:.4rem}
.notice{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:1rem 1.2rem;margin:1.5rem 0}
.site-footer{background:#0b1f33;color:#b8c6d4;padding:3rem 0 2rem;font-size:.95rem}
.footer-grid{display:grid;gap:2rem;grid-template-columns:2fr 1fr 1fr}
@media (max-width:760px){.footer-grid{grid-template-columns:1fr}}
.site-footer h2{color:#fff;font-size:1rem;margin-bottom:.6rem}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:.35rem}
.site-footer a{color:#dbe6f1}
.site-footer a:hover{color:var(--accent)}
.footer-bottom{border-top:1px solid #23405e;margin-top:2rem;padding-top:1.2rem;font-size:.85rem;color:#9fb2c5}
.center{text-align:center}
.mt-2{margin-top:2rem}

input[type=file]{width:100%;font:inherit;padding:.45rem 0}