:root{
  --navy:#0f2740; --navy-2:#16365a; --blue:#1d6fb8; --blue-bright:#2a8fe0;
  --red:#d8362a; --red-dark:#b32a20; --ink:#1a2230; --muted:#5b6b80;
  --bg:#f5f8fb; --line:#e2e9f1; --white:#fff; --gold:#f2b134;
  --radius:14px; --shadow:0 6px 24px rgba(15,39,64,.10);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}
img{max-width:100%;display:block}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}

/* top emergency bar */
.topbar{background:var(--red);color:#fff;text-align:center;font-weight:700;font-size:.95rem;padding:9px 12px;letter-spacing:.2px}
.topbar a{color:#fff;text-decoration:underline}

/* header */
header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 12px rgba(0,0,0,.18)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;max-width:1080px;margin:0 auto}
.brand{display:flex;align-items:center;gap:11px;color:#fff;font-weight:800;font-size:1.18rem;letter-spacing:.3px}
.brand .mark{width:38px;height:38px;border-radius:9px;background:linear-gradient(135deg,var(--blue-bright),var(--blue));display:grid;place-items:center;font-size:1.2rem;flex-shrink:0}
.brand small{display:block;font-weight:500;font-size:.66rem;color:#9fb6cf;letter-spacing:1.5px;text-transform:uppercase}
.nav-links{display:flex;gap:22px;align-items:center}
.nav-links a{color:#d7e3f0;font-weight:600;font-size:.93rem}
.nav-links a:hover{color:#fff}
.call-btn{background:var(--red);color:#fff!important;padding:11px 18px;border-radius:10px;font-weight:800;white-space:nowrap}
.call-btn:hover{background:var(--red-dark)}
.menu-toggle{display:none}

/* hero */
.hero{position:relative;background:linear-gradient(rgba(10,26,45,.82),rgba(10,26,45,.88)),url('https://images.unsplash.com/photo-1547683905-f686c993aae5?auto=format&fit=crop&w=1600&q=70');background-size:cover;background-position:center;color:#fff;padding:74px 0 80px}
.hero h1{font-size:2.7rem;line-height:1.12;font-weight:800;max-width:760px;letter-spacing:-.5px}
.hero .sub{font-size:1.18rem;color:#cfe0f0;margin-top:18px;max-width:620px}
.badges{display:flex;flex-wrap:wrap;gap:14px;margin-top:26px}
.badge{background:rgba(255,255,255,.10);border:1px solid rgba(255,255,255,.18);padding:9px 15px;border-radius:30px;font-size:.88rem;font-weight:600;backdrop-filter:blur(4px)}
.badge b{color:var(--gold)}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:30px}
.btn{display:inline-block;padding:15px 28px;border-radius:12px;font-weight:800;font-size:1.05rem;text-align:center}
.btn-red{background:var(--red);color:#fff;box-shadow:0 6px 20px rgba(216,54,42,.4)}
.btn-red:hover{background:var(--red-dark)}
.btn-ghost{background:rgba(255,255,255,.12);color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.2)}

/* trust strip */
.trust{background:var(--navy-2);color:#fff;padding:18px 0}
.trust .wrap{display:flex;flex-wrap:wrap;justify-content:space-around;gap:16px;text-align:center}
.trust div{font-size:.9rem;color:#bcd0e6;font-weight:600}
.trust b{color:#fff}

/* sections */
section{padding:58px 0}
.section-tag{color:var(--blue);font-weight:800;text-transform:uppercase;letter-spacing:2px;font-size:.8rem}
h2{font-size:2rem;line-height:1.15;margin:8px 0 14px;letter-spacing:-.4px}
.lead{color:var(--muted);font-size:1.08rem;max-width:720px}
h3{font-size:1.25rem;margin-bottom:8px}

/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:22px;margin-top:34px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);transition:transform .15s}
.card:hover{transform:translateY(-3px)}
.card .ic{width:50px;height:50px;border-radius:12px;background:linear-gradient(135deg,#e8f3fc,#d2e8fa);display:grid;place-items:center;font-size:1.5rem;margin-bottom:14px}
.card p{color:var(--muted);font-size:.97rem}
.card a{font-weight:700;display:inline-block;margin-top:12px}

/* steps */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:22px;margin-top:34px;counter-reset:s}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;position:relative}
.step::before{counter-increment:s;content:counter(s);position:absolute;top:-14px;left:24px;width:34px;height:34px;background:var(--blue);color:#fff;border-radius:50%;display:grid;place-items:center;font-weight:800}
.step h3{margin-top:8px;font-size:1.1rem}
.step p{color:var(--muted);font-size:.93rem}

/* local band */
.band{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff}
.band h2{color:#fff}
.band .lead{color:#bcd0e6}
.band ul{margin-top:18px;list-style:none;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:10px}
.band li{padding-left:26px;position:relative;color:#dbe7f3}
.band li::before{content:"✓";position:absolute;left:0;color:var(--gold);font-weight:800}

/* big CTA */
.cta-block{background:var(--red);color:#fff;text-align:center}
.cta-block h2{color:#fff}
.cta-block p{color:#ffe3e0;max-width:620px;margin:10px auto 0;font-size:1.1rem}
.cta-block .btn-white{background:#fff;color:var(--red);margin-top:24px;font-size:1.25rem;padding:17px 38px}

/* faq */
.faq{max-width:820px;margin:34px auto 0}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px;padding:4px 20px;box-shadow:0 2px 8px rgba(15,39,64,.05)}
.faq summary{font-weight:700;padding:16px 0;cursor:pointer;font-size:1.05rem;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq summary::after{content:"+";color:var(--blue);font-size:1.5rem;font-weight:700}
.faq details[open] summary::after{content:"–"}
.faq p{color:var(--muted);padding:0 0 18px}

/* footer */
footer{background:#0a1a2d;color:#9fb6cf;padding:46px 0 26px;font-size:.92rem}
.foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px}
footer h4{color:#fff;font-size:1rem;margin-bottom:12px}
footer a{color:#9fb6cf;display:block;margin-bottom:7px}
footer a:hover{color:#fff}
.foot-bottom{border-top:1px solid #1c324a;margin-top:30px;padding-top:18px;font-size:.82rem;color:#6f8aa6;text-align:center}
.disclaimer{background:#fff7e6;border:1px solid #f2d68a;color:#7a5a10;padding:10px 16px;border-radius:10px;font-size:.82rem;margin-top:18px}

/* page hero (interior) */
.phero{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;padding:54px 0}
.phero h1{font-size:2.2rem;max-width:760px;letter-spacing:-.4px}
.phero p{color:#cfe0f0;margin-top:12px;max-width:640px;font-size:1.08rem}
.crumb{color:#8fb0d0;font-size:.85rem;margin-bottom:14px}
.crumb a{color:#8fb0d0}
.content{padding:50px 0}
.content h2{margin-top:8px}
.content h3{margin-top:28px;color:var(--navy)}
.content p{margin-top:12px;color:#3a4759}
.content ul{margin:14px 0 14px 22px;color:#3a4759}
.content li{margin-bottom:7px}
.callout{background:#eaf4fc;border-left:4px solid var(--blue);padding:18px 22px;border-radius:10px;margin:24px 0}
.two-col{display:grid;grid-template-columns:2fr 1fr;gap:34px;align-items:start}
.sidebar{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow);position:sticky;top:96px}
.sidebar h3{color:var(--navy)}
.sidebar .btn{width:100%;margin-top:14px}

@media(max-width:860px){
  .two-col{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr 1fr}
  .hero h1{font-size:2.05rem}
  .nav-links{position:fixed;inset:64px 0 auto 0;background:var(--navy);flex-direction:column;padding:18px;gap:14px;display:none;border-top:1px solid #1c324a}
  .nav-links.open{display:flex}
  .menu-toggle{display:block;background:none;border:1.5px solid #3a567a;color:#fff;border-radius:8px;padding:7px 11px;font-size:1.2rem;cursor:pointer}
  .sidebar{position:static}
}