:root {
  --ink: #14213a;
  --body: #3a4560;
  --muted: #6b7591;
  --line: #e3e7ef;
  --paper: #ffffff;
  --wash: #f5f7fb;
  --brand: #1f4e8c;
  --brand-dark: #173c6b;
  --accent: #c8913a;
  --focus: #2f6fd1;
}
* { box-sizing: border-box; }
html { -webkit-text-size-adjust: 100%; }
body {
  margin: 0;
  background: var(--paper);
  color: var(--body);
  font: 16px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Helvetica, Arial, sans-serif;
}
a { color: var(--brand); }
a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--focus); outline-offset: 2px;
}
.wrap { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* Header */
.site-header { border-bottom: 1px solid var(--line); background: var(--paper); }
.site-header .wrap { display: flex; align-items: center; justify-content: space-between; gap: 16px; padding-top: 14px; padding-bottom: 14px; flex-wrap: wrap; }
.brand { text-decoration: none; color: var(--ink); line-height: 1.2; }
.brand strong { display: block; font-size: 1.15rem; letter-spacing: -.01em; }
.brand span { font-size: .8rem; color: var(--muted); }
.header-call { font-weight: 600; text-decoration: none; color: var(--brand); white-space: nowrap; }

/* Hero */
.hero { background: linear-gradient(180deg, var(--wash), var(--paper)); padding: 56px 0 40px; }
.hero h1 { color: var(--ink); font-size: clamp(1.9rem, 4.5vw, 2.8rem); line-height: 1.15; letter-spacing: -.02em; margin: 0 0 14px; max-width: 720px; }
.hero p.lede { font-size: 1.1rem; max-width: 640px; margin: 0 0 22px; }
.btn {
  display: inline-block; background: var(--brand); color: #fff; border: 0; border-radius: 8px;
  padding: 13px 22px; font-size: 1rem; font-weight: 600; text-decoration: none; cursor: pointer;
}
.btn:hover { background: var(--brand-dark); }
.trust { display: flex; flex-wrap: wrap; gap: 8px 22px; margin-top: 18px; font-size: .85rem; color: var(--muted); }

/* Sections */
section { padding: 44px 0; }
section h2 { color: var(--ink); font-size: 1.55rem; letter-spacing: -.01em; margin: 0 0 8px; }
.section-lede { margin: 0 0 24px; max-width: 640px; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 16px; }
.card { border: 1px solid var(--line); border-radius: 12px; padding: 18px 18px 14px; background: #fff; }
.card h3 { margin: 0 0 6px; font-size: 1.02rem; color: var(--ink); }
.card p { margin: 0; font-size: .95rem; }
.about { background: var(--wash); }
.about-grid { display: grid; grid-template-columns: 1.3fr 1fr; gap: 28px; align-items: start; }
.facts { list-style: none; padding: 0; margin: 0; border: 1px solid var(--line); border-radius: 12px; background: #fff; }
.facts li { padding: 12px 16px; border-bottom: 1px solid var(--line); font-size: .95rem; }
.facts li:last-child { border-bottom: 0; }
.facts b { color: var(--ink); }

/* Form */
.form-section { border-top: 1px solid var(--line); }
form.quote { max-width: 680px; border: 1px solid var(--line); border-radius: 14px; padding: 22px; background: #fff; }
.row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label.field { display: block; font-weight: 600; color: var(--ink); font-size: .92rem; margin-bottom: 14px; }
label.field input, label.field select, label.field textarea {
  display: block; width: 100%; margin-top: 6px; padding: 11px 12px; font: inherit; font-weight: 400;
  color: var(--ink); border: 1px solid #c9d0de; border-radius: 8px; background: #fff;
}
label.field textarea { min-height: 96px; resize: vertical; }
.optional { font-weight: 400; color: var(--muted); }
.consent { border: 1px solid var(--line); background: var(--wash); border-radius: 10px; padding: 14px; margin: 6px 0 14px; }
.consent + .consent { margin-top: 10px; }
.consent label { display: grid; grid-template-columns: 22px 1fr; gap: 10px; align-items: start; font-size: .88rem; line-height: 1.5; cursor: pointer; }
.consent input[type="checkbox"] { width: 18px; height: 18px; margin: 2px 0 0; }
.consent .consent-title { display: block; font-weight: 700; color: var(--ink); margin-bottom: 2px; }
.consent .links { display: block; margin-top: 6px; font-size: .85rem; }
.submit-note { font-size: .82rem; color: var(--muted); margin: 12px 0 0; }
.hp { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }

/* Legal pages */
.legal { padding: 40px 0 56px; }
.legal .wrap { max-width: 820px; }
.legal h1 { color: var(--ink); font-size: 2rem; margin: 0 0 4px; }
.legal .updated { color: var(--muted); font-size: .9rem; margin: 0 0 26px; }
.legal h2 { color: var(--ink); font-size: 1.2rem; margin: 30px 0 8px; scroll-margin-top: 16px; }
.legal ul { padding-left: 20px; }
.legal li { margin: 4px 0; }
.callout { border-left: 4px solid var(--brand); background: var(--wash); padding: 12px 16px; border-radius: 0 8px 8px 0; }

/* Footer */
.site-footer { background: var(--ink); color: #c6cde0; font-size: .85rem; padding: 32px 0 40px; }
.site-footer a { color: #fff; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr; gap: 24px; }
.site-footer h4 { color: #fff; font-size: .9rem; margin: 0 0 8px; }
.site-footer p { margin: 0 0 6px; }
.site-footer ul { list-style: none; padding: 0; margin: 0; }
.site-footer li { margin: 0 0 6px; }
.fine { border-top: 1px solid rgba(255,255,255,.15); margin-top: 22px; padding-top: 16px; font-size: .78rem; line-height: 1.55; }
.ehl { display: inline-flex; align-items: center; gap: 8px; font-weight: 600; color: #fff; }
.ehl svg { width: 22px; height: 22px; }

@media (max-width: 760px) {
  .about-grid, .footer-grid, .row { grid-template-columns: 1fr; }
  .hero { padding: 40px 0 28px; }
  section { padding: 34px 0; }
  form.quote { padding: 16px; }
}