:root {
  --navy: #12284C;
  --navy-2: #1D3A6B;
  --ink: #1A1F2B;
  --muted: #5A6475;
  --bg: #FFFFFF;
  --band: #F2F5FA;
  --line: #D8DEE8;
  --cta: #C2410C;      /* orange used ONLY for action buttons */
  --cta-hover: #9A3412;
  --ok: #157347;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0; background: var(--bg); color: var(--ink);
  font: 18px/1.6 -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Arial, sans-serif;
}
a { color: var(--navy-2); }
h1, h2 { line-height: 1.2; margin: 0 0 .5em; color: var(--navy); }
h1 { font-size: clamp(30px, 5vw, 46px); }
h2 { font-size: clamp(24px, 3.5vw, 32px); }
section { padding: 48px 0; }
.wrap { max-width: 1100px; margin: 0 auto; padding: 0 16px; }
.narrow { max-width: 760px; }
.center { text-align: center; }
.muted { color: var(--muted); }
.small { font-size: 14px; color: #C9D3E3; }

/* header */
.top { background: var(--navy); color: #fff; }
.top-in { display: flex; justify-content: space-between; align-items: center; min-height: 60px; gap: 12px; }
.brand { color: #fff; font-weight: 800; text-decoration: none; font-size: 20px; }
.top-call { color: #fff; font-weight: 700; text-decoration: none; white-space: nowrap; }

/* hero */
.hero { background: linear-gradient(180deg, var(--band), #fff); padding-top: 32px; }
.hero-grid { display: grid; gap: 28px; grid-template-columns: 1.1fr .9fr; align-items: start; }
.lead { font-size: 21px; color: var(--ink); }
.checks { list-style: none; padding: 0; margin: 0 0 20px; }
.checks li { padding-left: 32px; position: relative; margin: 8px 0; font-weight: 600; }
.checks li::before { content: "✓"; position: absolute; left: 0; top: 0; color: var(--ok); font-weight: 900; font-size: 20px; }

/* form */
.card { background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 24px; box-shadow: 0 6px 24px rgba(18,40,76,.10); }
.form h2 { font-size: 26px; margin-bottom: 4px; }
.form label { display: block; font-weight: 700; margin: 14px 0 4px; }
.form input { width: 100%; font-size: 18px; padding: 14px; border: 1px solid #AEB8C8; border-radius: 8px; }
.form input:focus { outline: 3px solid #93B4E8; border-color: var(--navy-2); }
.form .btn { width: 100%; margin-top: 18px; }
.consent { font-size: 13px; color: var(--muted); margin: 12px 0 0; line-height: 1.45; }
.hp { position: absolute; left: -9999px; }

/* buttons */
.btn {
  display: inline-block; background: var(--cta); color: #fff; border: 0; border-radius: 8px;
  padding: 16px 26px; font-size: 20px; font-weight: 800; text-decoration: none; cursor: pointer; text-align: center;
}
.btn:hover { background: var(--cta-hover); }
.btn-ghost { background: transparent; color: var(--navy); border: 2px solid var(--navy); font-size: 18px; }
.btn-ghost:hover { background: var(--navy); color: #fff; }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--band); }

/* sections */
.band { background: var(--band); }
.steps { counter-reset: s; list-style: none; padding: 0; display: grid; grid-template-columns: repeat(3, 1fr); gap: 20px; }
.steps li { counter-increment: s; background: #fff; border: 1px solid var(--line); border-radius: 12px; padding: 20px; }
.steps li::before { content: counter(s); display: grid; place-items: center; width: 40px; height: 40px; border-radius: 50%; background: var(--navy); color: #fff; font-weight: 800; margin-bottom: 10px; }
.grid-list { list-style: none; padding: 0; display: grid; grid-template-columns: repeat(2, 1fr); gap: 10px 24px; }
.grid-list li { padding: 12px 16px; border-left: 4px solid var(--navy); background: var(--band); border-radius: 4px; }
.tiles { display: grid; grid-template-columns: repeat(3, 1fr); gap: 16px; }
.tile { display: block; padding: 22px; border: 2px solid var(--line); border-radius: 12px; text-decoration: none; color: var(--ink); }
.tile:hover { border-color: var(--navy); }
.tile strong { display: block; font-size: 22px; color: var(--navy); margin-bottom: 6px; }
.tile strong::after { content: " →"; }
details { background: #fff; border: 1px solid var(--line); border-radius: 10px; margin: 10px 0; padding: 4px 18px; }
summary { font-weight: 700; cursor: pointer; padding: 12px 0; }
.compare { width: 100%; border-collapse: collapse; background: #fff; font-size: 16px; }
.compare th, .compare td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; vertical-align: top; }
.compare thead th { background: var(--navy); color: #fff; }
.compare td:first-child { font-weight: 700; }
.cta { background: var(--navy); color: #fff; text-align: center; }
.cta h2 { color: #fff; }
.cta .btn { margin: 6px; }
.prose h2 { font-size: 22px; margin-top: 1.4em; }

/* footer */
.foot { background: #0C1B35; color: #E5EAF2; padding: 32px 0 96px; font-size: 16px; }
.foot a { color: #fff; }

/* sticky mobile bar */
.sticky-bar { display: none; }

@media (max-width: 820px) {
  body { font-size: 17px; }
  .hero-grid, .steps, .tiles { grid-template-columns: 1fr; }
  .grid-list { grid-template-columns: 1fr; }
  .top-call { font-size: 15px; }
  .brand { font-size: 17px; }
  .hero .btn-ghost { display: none; }
  .checks { margin-bottom: 4px; }
  section { padding: 36px 0; }
  .sticky-bar {
    display: grid; grid-template-columns: 1fr 1.4fr; position: fixed; left: 0; right: 0; bottom: 0; z-index: 10;
    box-shadow: 0 -4px 16px rgba(0,0,0,.15);
  }
  .sticky-bar a { padding: 16px 8px; text-align: center; font-weight: 800; font-size: 17px; text-decoration: none; }
  .sb-call { background: var(--navy); color: #fff; }
  .sb-offer { background: var(--cta); color: #fff; }
}