:root{--navy:#0f2f4f;--blue:#1f73b7;--teal:#2f9d91;--light:#f5f9fc;--text:#203040;--muted:#66788a;--white:#fff;--border:#dce6ee}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.55}.wrap{width:min(1120px,calc(100% - 40px));margin:0 auto}.nav{height:76px;display:flex;align-items:center;justify-content:space-between}.brand{font-weight:800;font-size:1.45rem;color:var(--navy);text-decoration:none}.brand span{color:var(--teal)}nav{display:flex;gap:24px;align-items:center}nav a{color:var(--navy);font-weight:600}.button,nav a{text-decoration:none}.button{display:inline-flex;align-items:center;justify-content:center;border:none;border-radius:12px;background:var(--blue);color:#fff;padding:14px 22px;font-weight:800;cursor:pointer}.button:disabled{opacity:.45;cursor:not-allowed}.button.small{padding:10px 16px}.button.light{background:#fff;color:var(--navy)}.hero{background:linear-gradient(180deg,#eef7fb,#fff);padding:82px 0 74px}.heroGrid{display:grid;grid-template-columns:1.15fr .85fr;grid-gap:54px;gap:54px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:800;color:var(--teal);margin:0 0 12px}h1,h2,h3{color:var(--navy);line-height:1.15}h1{font-size:clamp(2.7rem,6vw,5rem);margin:0 0 20px;max-width:780px}h2{font-size:clamp(2rem,4vw,3.2rem);margin:0 0 16px}h3{margin:8px 0}.lead,.sectionIntro{font-size:1.12rem;color:var(--muted);max-width:760px}.actions{display:flex;gap:20px;align-items:center;margin-top:28px}.textLink{color:var(--navy);font-weight:800;text-decoration:none}.trustRow{display:flex;gap:20px;flex-wrap:wrap;margin-top:28px;color:var(--muted);font-size:.94rem}.trustRow span:before{content:"✓";color:var(--teal);font-weight:900;margin-right:7px}.heroCard{background:#fff;border:1px solid var(--border);box-shadow:0 18px 60px rgba(31,65,95,.12);border-radius:22px;padding:20px}.heroCardTop{font-weight:800;color:var(--navy);margin-bottom:14px}.miniGrid{display:grid;grid-template-columns:1fr 1fr;grid-gap:12px;gap:12px}.miniCard{padding:16px;border-radius:14px;background:var(--light);display:flex;flex-direction:column;gap:6px}.miniCard span{font-size:.88rem;color:var(--muted)}.section{padding:84px 0}.cards{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:18px;gap:18px;margin-top:34px}.card{border:1px solid var(--border);border-radius:18px;padding:24px;background:#fff}.card p{color:var(--muted)}.card a{color:var(--blue);font-weight:800;text-decoration:none}.icon{width:38px;height:38px;border-radius:10px;background:#e7f4f2;color:var(--teal);display:grid;place-items:center;font-weight:900;font-size:1.3rem}.soft{background:var(--light)}.steps{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:24px;gap:24px;margin-top:38px}.stepNum{width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}.step p{color:var(--muted)}.quoteGrid,.twoCol{display:grid;grid-template-columns:1fr 1fr;grid-gap:56px;gap:56px;align-items:start}.checklist{display:grid;grid-gap:16px;gap:16px}.checklist div{padding:18px 20px;border:1px solid var(--border);border-radius:14px;background:#fff;font-weight:700;color:var(--navy)}.checklist div>span{margin-left:8px}.quoteSection{background:#eef7fb}.quoteBenefits{display:grid;grid-gap:12px;gap:12px;margin-top:28px;color:var(--navy);font-weight:700}.quoteBenefits span{padding:12px 14px;border:1px solid #cfe1ed;background:#fff;border-radius:12px}.quoteCard{background:#fff;border-radius:20px;padding:28px;box-shadow:0 16px 50px rgba(31,65,95,.1);display:grid;grid-gap:20px;gap:20px}.fieldRow{display:grid;grid-template-columns:1fr 1fr;grid-gap:14px;gap:14px}label{display:grid;grid-gap:7px;gap:7px;font-weight:700;color:var(--navy)}input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cfdbe4;border-radius:10px;font:inherit;background:#fff}.consent{display:flex;gap:10px;align-items:flex-start;font-weight:500;color:var(--muted)}.consent input{width:auto;margin-top:5px}.multiStep{min-height:580px}.progress{display:grid;grid-template-columns:repeat(4,1fr);grid-gap:8px;gap:8px;margin-bottom:6px}.progressStep{text-align:center;color:#9aa8b5;font-size:.74rem}.progressStep span{width:30px;height:30px;border-radius:50%;display:grid;place-items:center;margin:0 auto 6px;background:#e7edf2;color:#607384;font-weight:800}.progressStep.active span{background:var(--navy);color:#fff}.progressStep.active{color:var(--navy);font-weight:700}.formStep{display:grid;grid-gap:16px;gap:16px}.formStep h3{margin:0 0 2px}.formHint{margin:0;color:var(--muted)}.itemBox{border:1px solid var(--border);border-radius:14px;padding:16px;display:grid;grid-gap:14px;gap:14px;background:#fbfdff}.itemHeader{display:flex;align-items:center;justify-content:space-between}.addItemBtn,.backBtn,.removeBtn{border:none;background:none;color:var(--blue);font:inherit;font-weight:800;cursor:pointer;padding:0}.addItemBtn{padding:12px;border:1px dashed #9ec6df;border-radius:10px;background:#f7fbfe}.uploadBox{border:2px dashed #b8cedd;border-radius:14px;padding:22px;text-align:center;background:#f8fbfd;cursor:pointer}.uploadBox input{margin-top:12px;background:#fff}.fileList{display:flex;flex-wrap:wrap;gap:8px}.fileList span{background:#eef5f9;border-radius:999px;padding:6px 10px;font-size:.82rem;color:var(--navy)}.reviewBox,.reviewItems>div{border:1px solid var(--border);border-radius:12px;padding:14px;display:grid;grid-gap:3px;gap:3px}.reviewBox span,.reviewItems span{color:var(--muted);font-size:.92rem}.reviewItems{display:grid;grid-gap:10px;gap:10px}.formActions{display:flex;justify-content:space-between;align-items:center;margin-top:auto}.formError{padding:12px 14px;border-radius:10px;background:#fff0f0;color:#8f2020;border:1px solid #f0c6c6;font-weight:700}.faq{max-width:820px;margin-top:30px}.faq details{border-top:1px solid var(--border);padding:18px 0}.faq details:last-child{border-bottom:1px solid var(--border)}summary{cursor:pointer;font-weight:800;color:var(--navy)}.faq p{color:var(--muted)}.finalCta{padding:74px 0;background:var(--navy);text-align:center}.finalCta h2,.finalCta p{color:#fff}.finalCta p{margin-bottom:24px}footer{background:#091d30;color:#b9c8d4;padding:48px 0 28px}.lightBrand{color:#fff}.footerGrid{display:grid;grid-template-columns:1fr 1fr;grid-gap:40px;gap:40px}.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:28px;padding-top:22px;font-size:.82rem;color:#8ea2b2}.thankYouPage{min-height:100vh;background:linear-gradient(180deg,#eef7fb,#fff);display:grid;place-items:center;padding:40px 20px}.thankYouCard{width:min(680px,100%);background:#fff;border:1px solid var(--border);border-radius:24px;padding:44px;box-shadow:0 20px 60px rgba(31,65,95,.12);text-align:center}.thankYouCard h1{font-size:clamp(2.3rem,7vw,4rem)}.thankYouCard>p{color:var(--muted)}.successMark{width:58px;height:58px;border-radius:50%;background:#e7f4f2;color:var(--teal);display:grid;place-items:center;font-size:1.8rem;font-weight:900;margin:0 auto 18px}.thankYouActions{display:flex;gap:18px;justify-content:center;align-items:center;margin:28px 0}.smallPrint{font-size:.82rem}.mobileCta{display:none}@media(max-width:900px){nav a:not(.button){display:none}.heroGrid,.quoteGrid,.twoCol{grid-template-columns:1fr}.cards,.steps{grid-template-columns:repeat(2,1fr)}.hero{padding-top:54px}.heroGrid{gap:34px}}@media(max-width:640px){.wrap{width:min(100% - 28px,1120px)}.nav{height:68px}.brand{font-size:1.25rem}nav .button{display:none}.hero{padding:46px 0}.actions{align-items:flex-start;flex-direction:column}.cards,.fieldRow,.footerGrid,.miniGrid,.steps{grid-template-columns:1fr}.section{padding:62px 0}.quoteCard{padding:20px}.multiStep{min-height:auto}.progressStep small{font-size:.64rem}.thankYouCard{padding:30px 22px}.thankYouActions{flex-direction:column}.mobileCta{display:block;position:fixed;left:14px;right:14px;bottom:14px;z-index:20;background:var(--blue);color:#fff;text-align:center;text-decoration:none;padding:14px;border-radius:12px;font-weight:900;box-shadow:0 10px 30px rgba(0,0,0,.2)}footer{padding-bottom:90px}}