* {
  box-sizing: border-box;
  margin: 0;
  padding: 0;
}

html {
  scroll-behavior: smooth;
}

body {
  font-family: Arial, Helvetica, sans-serif;
  background: #f7f8fb;
  color: #1f2d3d;
  line-height: 1.6;
}

img {
  max-width: 100%;
  height: auto;
}

a {
  text-decoration: none;
  color: inherit;
}

.container {
  width: 90%;
  max-width: 1180px;
  margin: 0 auto;
}

/* Header */
header {
  background: #ffffff;
  border-bottom: 1px solid #e5e7eb;
  position: sticky;
  top: 0;
  z-index: 1000;
}

.nav {
  display: flex;
  justify-content: space-between;
  align-items: center;
  padding: 18px 0;
  gap: 20px;
  flex-wrap: wrap;
}

.logo {
  display: inline-block;
  line-height: 0;
  flex-shrink: 0;
}

.logo img {
  display: block;
  max-width: 260px;
  width: auto;
  height: auto;
}

nav {
  display: flex;
  gap: 22px;
  align-items: center;
  flex-wrap: wrap;
}

nav a {
  font-weight: 600;
  color: #22324a;
}

nav a:hover {
  color: #f28c28;
}

/* Buttons */
.btn {
  display: inline-block;
  background: #f28c28;
  color: #ffffff;
  padding: 14px 24px;
  border-radius: 10px;
  font-weight: 700;
  border: none;
  cursor: pointer;
  transition: background 0.2s ease, transform 0.2s ease;
}

.btn:hover {
  background: #d97706;
  transform: translateY(-1px);
}

/* Hero */
.hero {
  background: linear-gradient(135deg, #0d3b8e, #1d5fd1);
  color: #ffffff;
  padding: 80px 0;
}

.hero-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
  align-items: center;
}

.hero h1 {
  font-size: 50px;
  line-height: 1.08;
  margin-bottom: 18px;
}

.hero p {
  font-size: 20px;
  margin-bottom: 18px;
  max-width: 760px;
}

.hero-points {
  display: flex;
  gap: 18px;
  flex-wrap: wrap;
  font-size: 15px;
  margin-bottom: 18px;
}

.hero-points span {
  display: inline-block;
  margin-right: 10px;
}

.urgency-line {
  color: #ffd08a;
  font-weight: 700;
  margin-bottom: 16px;
}

.trust-line {
  font-size: 14px;
  color: #dbe3ef;
  margin-top: 14px;
}

/* Forms */
.form-card {
  background: #ffffff;
  color: #1f2d3d;
  border-radius: 18px;
  padding: 28px;
  box-shadow: 0 18px 40px rgba(0, 0, 0, 0.18);
  width: 100%;
}

.form-card h2 {
  font-size: 26px;
  margin-bottom: 8px;
  color: #0d3b8e;
  line-height: 1.2;
}

.form-card p {
  color: #596579;
  font-size: 15px;
  margin-bottom: 20px;
}

.form-grid {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 14px;
}

.form-grid input,
.form-grid select,
.form-grid textarea {
  width: 100%;
  padding: 14px;
  border: 1px solid #d8dde6;
  border-radius: 10px;
  font-size: 16px;
  background: #ffffff;
  color: #1f2d3d;
}

.form-grid textarea {
  grid-column: 1 / -1;
  min-height: 120px;
  resize: vertical;
}

.form-submit {
  margin-top: 16px;
  width: 100%;
  font-size: 17px;
}

.small-note {
  margin-top: 12px;
  font-size: 13px;
  color: #6b7280;
  text-align: center;
}

.error {
  background: #fee2e2;
  color: #991b1b;
  border: 1px solid #fecaca;
  padding: 14px 18px;
  border-radius: 10px;
  margin-bottom: 18px;
  font-weight: 600;
}

/* Sections */
section,
.section {
  padding: 78px 0;
}

.section-title {
  font-size: 38px;
  line-height: 1.15;
  color: #102b5c;
  margin-bottom: 16px;
  text-align: center;
}

.section-subtitle {
  max-width: 760px;
  color: #596579;
  font-size: 18px;
  margin: 0 auto 28px;
  text-align: center;
}

/* Layout */
.split-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 30px;
  align-items: start;
}

.dual-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
}

.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}

/* Cards */
.card {
  background: #ffffff;
  border-radius: 16px;
  padding: 28px;
  border: 1px solid #e5e7eb;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.card h3 {
  font-size: 22px;
  margin-bottom: 10px;
  color: #0d3b8e;
  line-height: 1.25;
}

.card p {
  font-size: 16px;
  color: #374151;
}

/* Images */
.image-panel img {
  width: 100%;
  height: 100%;
  min-height: 420px;
  object-fit: cover;
  border-radius: 18px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.08);
}

/* Lists */
.check-list {
  list-style: none;
  margin-top: 16px;
  max-width: 760px;
}

.check-list li {
  margin-bottom: 12px;
  font-size: 18px;
  color: #374151;
}

/* Highlight box */
.highlight-box {
  background: #fff7ed;
  border: 1px solid #fed7aa;
  border-radius: 16px;
  padding: 22px;
  margin-top: 24px;
}

.highlight-box p {
  margin: 0;
  font-size: 17px;
  color: #9a3412;
  font-weight: 600;
}

/* Area pills */
.area-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 12px;
  margin-top: 18px;
  padding: 0;
}

.area-list li {
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 999px;
  padding: 10px 16px;
  font-size: 15px;
  color: #374151;
}

/* FAQ */
.faq-item {
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 16px;
  padding: 24px;
  margin-bottom: 18px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.faq-item h3 {
  color: #102b5c;
  font-size: 22px;
  margin-bottom: 10px;
}

.faq-item p {
  color: #374151;
  font-size: 16px;
  margin: 0;
}

/* CTA box */
.cta-box {
  background: linear-gradient(135deg, #0d3b8e, #1d5fd1);
  color: #ffffff;
  border-radius: 20px;
  padding: 34px 28px;
  text-align: center;
}

.cta-box h2 {
  font-size: 32px;
  margin-bottom: 12px;
  line-height: 1.2;
}

.cta-box p {
  max-width: 760px;
  margin: 0 auto 18px;
  font-size: 18px;
}

.related-links {
  margin-top: 18px;
  font-size: 15px;
}

.related-links a {
  color: #ffffff;
  text-decoration: underline;
}

.related-links a:hover {
  text-decoration: none;
}

/* Compare table */
.compare-table-wrap {
  overflow-x: auto;
  background: #ffffff;
  border: 1px solid #e5e7eb;
  border-radius: 18px;
  box-shadow: 0 8px 25px rgba(0, 0, 0, 0.05);
}

.compare-table-wrap table {
  width: 100%;
  border-collapse: collapse;
  min-width: 720px;
}

.compare-table-wrap th,
.compare-table-wrap td {
  padding: 16px 18px;
  text-align: left;
  border-bottom: 1px solid #e5e7eb;
  font-size: 15px;
}

.compare-table-wrap th {
  background: #f8fafc;
  color: #102b5c;
  font-weight: 700;
}

.compare-table-wrap tr:last-child td {
  border-bottom: none;
}

/* Footer */
.site-footer {
  background: #0f172a;
  color: #d1d5db;
  padding: 40px 0 28px;
  font-size: 14px;
}

.footer-top {
  text-align: center;
  margin-bottom: 30px;
}

.footer-brand {
  display: inline-block;
  font-size: 24px;
  font-weight: 800;
  color: #ffffff;
}

.footer-brand span {
  color: #f28c28;
}

.footer-top p {
  margin-top: 10px;
  color: #d1d5db;
}

.footer-top .btn {
  margin-top: 14px;
}

.footer-grid {
  display: grid;
  grid-template-columns: repeat(3, minmax(200px, 1fr));
  gap: 40px;
  margin-bottom: 28px;
}

.footer-col strong {
  display: block;
  margin-bottom: 12px;
  color: #ffffff;
  font-size: 15px;
}

.footer-col ul {
  list-style: none;
  margin: 0;
  padding: 0;
}

.footer-col li {
  margin-bottom: 8px;
}

.site-footer a {
  color: #d1d5db;
}

.site-footer a:hover {
  color: #ffffff;
}

.footer-bottom {
  text-align: center;
  font-size: 14px;
  color: #9ca3af;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding-top: 18px;
}

/* Legal / privacy / contact */
.legal-page {
  max-width: 900px;
}

.legal-page h1 {
  text-align: left;
}

.legal-page h2 {
  margin: 30px 0 12px;
  color: #102b5c;
  font-size: 28px;
  line-height: 1.2;
}

.legal-page p {
  margin-bottom: 18px;
  font-size: 17px;
  color: #374151;
}

.legal-page ul {
  margin: 0 0 18px 22px;
  color: #374151;
}

.legal-page li {
  margin-bottom: 10px;
  font-size: 17px;
}

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

/* Responsive */
@media (max-width: 992px) {
  .hero-grid,
  .split-grid,
  .dual-grid,
  .card-grid,
  .form-grid {
    grid-template-columns: 1fr;
  }

  .form-grid textarea {
    grid-column: auto;
  }

  .image-panel img {
    min-height: 260px;
  }

  .hero h1 {
    font-size: 40px;
  }

  .section-title {
    font-size: 32px;
  }
}

@media (max-width: 768px) {
  .footer-grid {
    grid-template-columns: 1fr;
    gap: 24px;
    text-align: center;
  }

  .footer-col {
    text-align: center;
  }

  .mobile-call-bar {
    display: block;
    position: fixed;
    left: 0;
    bottom: 0;
    width: 100%;
    background: #f28c28;
    z-index: 9999;
    box-shadow: 0 -4px 12px rgba(0, 0, 0, 0.12);
  }

  .mobile-call-bar a {
    display: block;
    text-align: center;
    color: #ffffff;
    font-weight: 800;
    padding: 14px 16px;
  }

  body {
    padding-bottom: 64px;
  }
}

@media (max-width: 640px) {
  .hero {
    padding: 56px 0;
  }

  .hero h1 {
    font-size: 34px;
  }

  .hero p,
  .section-subtitle {
    font-size: 16px;
  }

  .form-card {
    padding: 18px;
    border-radius: 14px;
  }

  .form-card h2 {
    font-size: 22px;
  }

  .form-card p {
    font-size: 14px;
  }

  #step2 div[style*="display:flex"] .btn {
    width: 100%;
    text-align: center;
  }

  nav {
    gap: 14px;
  }

  .logo img {
    max-width: 220px;
  }

  .legal-page h2 {
    font-size: 24px;
  }

  .legal-page p,
  .legal-page li {
    font-size: 16px;
  }

  .cta-box {
    padding: 26px 18px;
  }

  .cta-box h2 {
    font-size: 26px;
  }

  .compare-table-wrap th,
  .compare-table-wrap td {
    padding: 14px 14px;
    font-size: 14px;
  }

  .area-list li {
    font-size: 14px;
    padding: 9px 14px;
  }
}