*{box-sizing:border-box;margin:0;padding:0}
:root{--navy:#0b3a5b;--navy-dark:#071e34;--red:#e63946;--cream:#f7f3ee;--ink:#1b1d22;--muted:#5a6470;--line:#e6e2dc}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:#fff;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--navy);text-decoration:none;transition:color .2s}
a:hover{color:var(--red)}
.container{max-width:1180px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:'Fraunces',Georgia,serif;font-weight:600;color:var(--navy-dark);letter-spacing:-.01em;line-height:1.15}
h1{font-size:clamp(2.2rem,5vw,3.8rem)}
h1 em{color:var(--red);font-style:italic}
h2{font-size:clamp(1.7rem,3.4vw,2.6rem);margin-bottom:1rem}
h3{font-size:1.25rem;margin-bottom:.5rem}
h4{font-size:1rem;margin-bottom:.75rem;color:#fff}
p{margin-bottom:1rem;color:var(--muted)}
.eyebrow{display:inline-block;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:#fff;background:rgba(255,255,255,.12);padding:.4rem .9rem;border-radius:99px;margin-bottom:1rem;border:1px solid rgba(255,255,255,.2)}
.eyebrow.dark{color:var(--red);background:rgba(230,57,70,.08);border-color:rgba(230,57,70,.2)}

/* HEADER */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;gap:20px}
.logo{display:flex;align-items:center;gap:10px;font-family:'Fraunces',serif;font-size:1.2rem;color:var(--navy-dark)}
.logo strong{color:var(--navy);font-weight:700}
.logo.light{color:#fff}.logo.light strong{color:#fff}
.site-header nav{display:flex;gap:28px}
.site-header nav a{font-weight:500;font-size:.95rem;color:var(--ink);position:relative;padding:6px 0}
.site-header nav a.active,.site-header nav a:hover{color:var(--red)}
.site-header nav a.active::after{content:"";position:absolute;left:0;right:0;bottom:-2px;height:2px;background:var(--red)}
.call-btn{background:var(--navy);color:#fff!important;padding:10px 18px;border-radius:99px;font-size:.9rem;font-weight:600;transition:transform .2s,background .2s}
.call-btn:hover{background:var(--red);transform:translateY(-1px)}
@media(max-width:880px){.site-header nav,.call-btn{display:none}}

/* HERO */
.hero{background-size:cover;background-position:center;color:#fff;padding:120px 0 100px;position:relative;overflow:hidden}
.hero-inner{max-width:820px;animation:fadeUp 1s ease both}
.hero h1{color:#fff;margin-bottom:1.2rem}
.hero .lead{font-size:1.15rem;color:rgba(255,255,255,.88);margin-bottom:2rem;max-width:680px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:3rem}
.btn-primary{background:var(--red);color:#fff!important;padding:14px 28px;border-radius:99px;font-weight:600;border:none;cursor:pointer;font-size:1rem;display:inline-block;transition:transform .2s,box-shadow .2s,background .2s}
.btn-primary:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(230,57,70,.4);background:#c92b3a}
.btn-primary.big{padding:18px 38px;font-size:1.1rem}
.btn-ghost-light{color:#fff!important;padding:14px 28px;border:1px solid rgba(255,255,255,.4);border-radius:99px;font-weight:500}
.btn-ghost-light:hover{background:rgba(255,255,255,.1)}
.btn-ghost{background:transparent;border:1px solid var(--line);color:var(--ink);padding:10px 18px;border-radius:99px;cursor:pointer;font-size:.9rem}
.hero-stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;padding-top:2.5rem;border-top:1px solid rgba(255,255,255,.15)}
.hero-stats div{display:flex;flex-direction:column}
.hero-stats strong{font-family:'Fraunces',serif;font-size:1.8rem;color:#fff}
.hero-stats span{font-size:.82rem;color:rgba(255,255,255,.7);letter-spacing:.05em}
@media(max-width:720px){.hero-stats{grid-template-columns:repeat(2,1fr)}}

/* SECTIONS */
.section{padding:90px 0}
.section.alt{background:var(--cream)}
.grid-2{display:grid;grid-template-columns:1.05fr 1fr;gap:60px;align-items:center}
.grid-2.reverse>div:first-child{order:2}
@media(max-width:860px){.grid-2{grid-template-columns:1fr;gap:40px}.grid-2.reverse>div:first-child{order:0}}
.image-card{min-height:420px;border-radius:18px;background-size:cover;background-position:center;position:relative;box-shadow:0 24px 60px rgba(7,30,52,.18);overflow:hidden}
.image-card.tall{min-height:480px}
.image-card .quote{position:absolute;bottom:24px;left:24px;right:24px;background:rgba(255,255,255,.95);padding:20px 24px;border-radius:12px;border-left:4px solid var(--red)}
.image-card .quote p{font-family:'Fraunces',serif;font-size:1.05rem;color:var(--navy-dark);margin-bottom:8px;font-style:italic}
.image-card .quote span{font-size:.85rem;color:var(--muted)}
.checks{list-style:none;margin-top:1.5rem}
.checks li{padding:8px 0 8px 32px;position:relative;color:var(--ink)}
.checks li::before{content:"✓";position:absolute;left:0;top:8px;width:22px;height:22px;background:var(--navy);color:#fff;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:.75rem;font-weight:700}
.steps{list-style:none;counter-reset:step;margin-top:1rem}
.steps li{padding:14px 0 14px 56px;position:relative;counter-increment:step;border-bottom:1px solid var(--line)}
.steps li:last-child{border:0}
.steps li::before{content:counter(step,decimal-leading-zero);position:absolute;left:0;top:14px;font-family:'Fraunces',serif;font-size:1.4rem;color:var(--red);font-weight:600}
.steps li strong{color:var(--navy-dark);display:block;margin-bottom:2px}

/* SERVICE GRID */
.service-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin:2.5rem 0}
@media(max-width:880px){.service-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.service-grid{grid-template-columns:1fr}}
.service-card{background:#fff;padding:30px 24px;border-radius:14px;border:1px solid var(--line);transition:transform .3s,box-shadow .3s,border-color .3s}
.service-card:hover{transform:translateY(-6px);box-shadow:0 20px 40px rgba(7,30,52,.1);border-color:var(--red)}
.service-card .icon{font-size:2rem;margin-bottom:12px}
.service-card p{font-size:.92rem;margin:0}
.center{text-align:center;margin-top:1rem}

/* TESTIMONIALS */
.testimonials{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:2rem}
@media(max-width:820px){.testimonials{grid-template-columns:1fr}}
.testimonials blockquote{background:#fff;padding:28px;border-radius:14px;font-family:'Fraunces',serif;font-style:italic;color:var(--navy-dark);font-size:1.05rem;border-left:3px solid var(--red);box-shadow:0 10px 30px rgba(7,30,52,.06)}
.testimonials cite{display:block;margin-top:14px;font-family:'Inter',sans-serif;font-style:normal;font-size:.85rem;color:var(--muted);font-weight:500}

/* CTA */
.cta-band{background-size:cover;background-position:center;color:#fff;padding:80px 0;text-align:center}
.cta-band h2{color:#fff;margin-bottom:.5rem}
.cta-band p{color:rgba(255,255,255,.85);margin-bottom:2rem;font-size:1.1rem}

/* FOOTER */
.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.75);padding:70px 0 30px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1.4fr 1fr 1fr;gap:40px;margin-bottom:50px}
@media(max-width:860px){.footer-grid{grid-template-columns:repeat(2,1fr);gap:30px}}
.footer-grid p{color:rgba(255,255,255,.65);font-size:.92rem}
.site-footer a{color:rgba(255,255,255,.8)}
.site-footer a:hover{color:var(--red)}
.copyright{border-top:1px solid rgba(255,255,255,.1);padding-top:24px;font-size:.85rem;color:rgba(255,255,255,.5)}

/* COOKIE */
.cookie-banner{position:fixed;bottom:20px;left:20px;right:20px;max-width:560px;margin:0 auto;background:#fff;border:1px solid var(--line);padding:20px 22px;border-radius:14px;box-shadow:0 24px 60px rgba(0,0,0,.18);z-index:100;display:none;animation:slideUp .5s ease}
.cookie-banner.show{display:block}
.cookie-banner p{font-size:.9rem;color:var(--ink);margin-bottom:14px}
.cookie-actions{display:flex;gap:10px;justify-content:flex-end}

/* PAGE HEADER */
.page-header{background:linear-gradient(rgba(7,30,52,.82),rgba(7,30,52,.88)),url('https://images.unsplash.com/photo-1631815589968-fdb09a223b1e?auto=format&fit=crop&w=1920&q=70');background-size:cover;background-position:center;color:#fff;padding:90px 0 70px}
.page-header h1{color:#fff;margin-bottom:.6rem;font-size:clamp(2rem,4vw,3rem)}
.page-header p{color:rgba(255,255,255,.85);max-width:640px;font-size:1.1rem}

/* PROSE */
.prose{max-width:780px;margin:0 auto}
.prose h2{margin:2.5rem 0 1rem;font-size:1.5rem}
.prose h3{margin:1.8rem 0 .6rem;font-size:1.15rem;color:var(--navy)}
.prose p,.prose li{color:#3a4350;font-size:1rem}
.prose ul{margin:1rem 0 1rem 1.4rem}
.prose ul li{margin-bottom:.4rem}

/* FORM */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:50px;align-items:start}
@media(max-width:820px){.contact-grid{grid-template-columns:1fr}}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-bottom:14px}
form label{display:block;font-size:.85rem;font-weight:600;color:var(--navy-dark);margin-bottom:6px}
form input,form textarea,form select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff;transition:border-color .2s}
form input:focus,form textarea:focus,form select:focus{outline:none;border-color:var(--red)}
form textarea{min-height:130px;resize:vertical}
.info-card{background:var(--cream);padding:30px;border-radius:14px}
.info-card h3{margin-bottom:1rem}
.info-row{display:flex;gap:12px;padding:12px 0;border-bottom:1px solid var(--line)}
.info-row:last-child{border:0}
.info-row strong{display:block;font-size:.8rem;color:var(--muted);text-transform:uppercase;letter-spacing:.05em;margin-bottom:2px}

/* ANIMATIONS */
@keyframes fadeUp{from{opacity:0;transform:translateY(20px)}to{opacity:1;transform:translateY(0)}}
@keyframes slideUp{from{opacity:0;transform:translateY(40px)}to{opacity:1;transform:translateY(0)}}
.reveal{opacity:0;transform:translateY(30px);transition:opacity .8s ease,transform .8s ease}
.reveal.in{opacity:1;transform:translateY(0)}

/* COVERAGE */
.coverage-list{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:2rem}
@media(max-width:720px){.coverage-list{grid-template-columns:repeat(2,1fr)}}
.coverage-list div{background:#fff;border:1px solid var(--line);padding:18px;border-radius:10px;font-weight:500;color:var(--navy-dark)}
.coverage-list div span{display:block;font-size:.78rem;color:var(--muted);font-weight:400;margin-top:2px}

/* FAQ */
.faq details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 22px;margin-bottom:10px;transition:border-color .2s}
.faq details[open]{border-color:var(--red)}
.faq summary{font-weight:600;color:var(--navy-dark);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";font-size:1.4rem;color:var(--red);transition:transform .2s}
.faq details[open] summary::after{content:"−"}
.faq details p{margin-top:12px;color:var(--muted)}