:root {
  --primary: #1f7fd1;
  --primary-dark: #14609f;
  --primary-light: #5fb0e8;
  --navy: #1b3a5c;
  --bg-light: #f4f8fc;
  --text: #233140;
  --text-muted: #5c6b7a;
  --white: #ffffff;
  --radius: 14px;
  --shadow: 0 10px 30px rgba(20, 60, 100, 0.08);
  --max-width: 1180px;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }

.skip-link {
  position: absolute;
  left: -9999px;
  top: 0;
  z-index: 1000;
  background: var(--primary);
  color: var(--white);
  padding: 12px 20px;
  border-radius: 0 0 10px 0;
  font-weight: 600;
  font-size: 0.9rem;
}
.skip-link:focus { left: 0; }

.noscript-banner {
  background: var(--navy);
  color: var(--white);
  text-align: center;
  padding: 14px 20px;
  font-size: 0.9rem;
}
.noscript-banner a { color: var(--primary-light); font-weight: 600; }

a:focus-visible, button:focus-visible, input:focus-visible, select:focus-visible, textarea:focus-visible {
  outline: 3px solid var(--primary-light);
  outline-offset: 2px;
}

.not-found { padding: 140px 0; text-align: center; }
.not-found-inner { max-width: 540px; margin: 0 auto; }
.not-found h1 { font-size: 2.6rem; }
.not-found .hero-actions { justify-content: center; }

.legal-page { padding: 80px 0; }
.legal-inner { max-width: 760px; margin: 0 auto; }
.legal-updated { color: var(--text-muted); font-size: 0.9rem; margin-bottom: 32px; }
.legal-inner h2 { font-size: 1.3rem; margin-top: 32px; }
.legal-inner a { color: var(--primary); font-weight: 600; }

/* Blog listing */
.blog-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 28px; }
.blog-card {
  background: var(--white);
  border-radius: var(--radius);
  overflow: hidden;
  box-shadow: var(--shadow);
  display: flex;
  flex-direction: column;
  transition: transform 0.2s ease;
}
.blog-card:hover { transform: translateY(-6px); }
.blog-card-img { height: 180px; overflow: hidden; }
.blog-card-img img { width: 100%; height: 100%; object-fit: cover; }
.blog-card-body { padding: 22px; display: flex; flex-direction: column; flex: 1; }
.blog-card-tag { color: var(--primary); font-size: 0.78rem; font-weight: 700; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 8px; }
.blog-card-body h3 { font-size: 1.1rem; margin-bottom: 10px; }
.blog-card-body p { font-size: 0.92rem; flex: 1; }
.blog-card-link { color: var(--primary); font-weight: 600; font-size: 0.92rem; margin-top: 8px; }
.blog-card-link:hover { text-decoration: underline; }

/* Article page */
.article-page { padding: 70px 0 90px; }
.article-inner { max-width: 760px; margin: 0 auto; }
.article-meta { color: var(--text-muted); font-size: 0.88rem; margin-bottom: 8px; }
.article-inner h1 { margin-bottom: 10px; }
.article-cover { width: 100%; height: 320px; object-fit: cover; border-radius: var(--radius); margin: 24px 0 36px; box-shadow: var(--shadow); }
.article-body h2 { font-size: 1.35rem; margin-top: 36px; }
.article-body p, .article-body li { color: var(--text); }
.article-body ul { padding-left: 20px; }
.article-body li { margin-bottom: 8px; }
.article-cta {
  margin-top: 48px;
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 28px 32px;
  text-align: center;
}
.article-cta h3 { margin-bottom: 8px; }
.related-articles { margin-top: 56px; }
.related-articles h3 { margin-bottom: 20px; }
body {
  margin: 0;
  font-family: 'Poppins', sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}
img { max-width: 100%; display: block; }
a { text-decoration: none; color: inherit; }
.container {
  max-width: var(--max-width);
  margin: 0 auto;
  padding: 0 24px;
}

.eyebrow {
  display: inline-block;
  color: var(--primary);
  font-weight: 600;
  font-size: 0.85rem;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  margin-bottom: 10px;
}

h1, h2, h3 { font-weight: 700; color: var(--navy); margin: 0 0 16px; }
h1 { font-size: 3rem; line-height: 1.1; }
h1 span { color: var(--primary); }
h2 { font-size: 2.2rem; line-height: 1.2; }
p { margin: 0 0 16px; color: var(--text-muted); }

.btn {
  display: inline-block;
  padding: 12px 26px;
  border-radius: 999px;
  font-weight: 600;
  font-size: 0.95rem;
  transition: all 0.2s ease;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn-primary { background: var(--primary); color: var(--white); }
.btn-primary:hover { background: var(--primary-dark); }
.btn-outline { border-color: var(--primary); color: var(--primary); background: transparent; }
.btn-outline:hover { background: var(--primary); color: var(--white); }
.btn-ghost { color: var(--navy); }
.btn-ghost:hover { color: var(--primary); }
.btn-lg { padding: 14px 32px; font-size: 1rem; }

/* Header */
.site-header {
  position: sticky;
  top: 0;
  z-index: 100;
  background: rgba(255,255,255,0.95);
  backdrop-filter: blur(8px);
  border-bottom: 1px solid #e8eef4;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 14px 24px;
}
.logo-link { display: flex; align-items: center; gap: 10px; }
.logo-icon { height: 44px; width: auto; }
.logo-wordmark { font-size: 1.5rem; font-weight: 800; color: var(--navy); letter-spacing: 0.01em; }
.logo-wordmark span { color: var(--primary); }
.main-nav { display: flex; gap: 32px; }
.main-nav a { font-weight: 500; color: var(--navy); position: relative; padding-bottom: 4px; }
.main-nav a:hover { color: var(--primary); }
.main-nav a.active { color: var(--primary); }
.main-nav a.active::after {
  content: '';
  position: absolute;
  left: 0; right: 0; bottom: -2px;
  height: 2px;
  background: var(--primary);
  border-radius: 2px;
}
.header-cta { display: flex; gap: 12px; align-items: center; }
.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span { width: 24px; height: 2px; background: var(--navy); }
.mobile-nav {
  display: none;
  flex-direction: column;
  background: var(--white);
  border-bottom: 1px solid #e8eef4;
  position: sticky;
  top: 76px;
  z-index: 99;
}
.mobile-nav.open { display: flex; }
.mobile-nav a { padding: 14px 24px; border-bottom: 1px solid #f0f4f8; color: var(--navy); font-weight: 500; }

/* Hero */
.hero { background: linear-gradient(180deg, #ffffff 0%, #eef6fc 100%); padding: 72px 0 40px; overflow: hidden; }
.hero-inner { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 48px; align-items: center; }
.hero-text p { font-size: 1.05rem; max-width: 540px; }
.hero-actions { display: flex; gap: 16px; flex-wrap: wrap; margin: 28px 0; }
.hero-trust { display: flex; gap: 24px; list-style: none; padding: 0; margin: 0; flex-wrap: wrap; }
.hero-trust li {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--navy);
  padding: 8px 16px;
  background: var(--white);
  border-radius: 999px;
  box-shadow: var(--shadow);
}
.hero-art-img { border-radius: var(--radius); box-shadow: var(--shadow); }

/* Photo hero (homepage) */
.hero-photo {
  position: relative;
  min-height: 560px;
  display: flex;
  align-items: center;
  padding: 0;
  overflow: hidden;
}
.hero-bg { position: absolute; inset: 0; width: 100%; height: 100%; object-fit: cover; }
.hero-overlay {
  position: absolute; inset: 0;
  background: linear-gradient(120deg, rgba(11,46,77,0.92) 10%, rgba(20,96,159,0.75) 55%, rgba(31,127,209,0.35) 100%);
}
.hero-photo .hero-inner { position: relative; z-index: 1; padding: 80px 0 70px; grid-template-columns: 1fr; }
.hero-text { max-width: 640px; }

.owe-picker {
  margin-top: 36px;
  max-width: 640px;
  background: rgba(255,255,255,0.97);
  border-radius: var(--radius);
  padding: 24px 26px;
  box-shadow: var(--shadow);
}
.owe-picker h3 { color: var(--navy); font-size: 1.15rem; margin-bottom: 16px; }
.owe-options { display: flex; flex-wrap: wrap; gap: 12px; }
.owe-btn {
  border: 2px solid var(--primary);
  background: var(--white);
  color: var(--primary-dark);
  font-weight: 600;
  font-size: 0.92rem;
  padding: 12px 20px;
  border-radius: 999px;
  cursor: pointer;
  transition: all 0.15s ease;
}
.owe-btn:hover { background: var(--primary); color: var(--white); transform: translateY(-2px); }
.light-heading { color: var(--white); }
.light-text { color: #dceaf6; }
.accent { color: #8fd3ff; }
.eyebrow-light { color: #8fd3ff; }
.btn-outline-light { border-color: var(--white); color: var(--white); background: transparent; }
.btn-outline-light:hover { background: var(--white); color: var(--primary-dark); }
.btn-white { background: var(--white); color: var(--primary-dark); }
.btn-white:hover { background: #eaf4fc; }

/* Stat strip */
.strip { background: var(--navy); padding: 28px 0; }
.strip-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 20px; text-align: center; }
.strip-item { display: flex; flex-direction: column; color: var(--white); }
.strip-item strong { font-size: 1.2rem; color: var(--primary-light); }
.strip-item span { font-size: 0.85rem; color: #b9cce0; }

/* Page hero (subpages) */
.page-hero {
  position: relative;
  min-height: 320px;
  display: flex;
  align-items: center;
  overflow: hidden;
}
.page-hero.small { min-height: 240px; }
.page-hero .container { position: relative; z-index: 1; max-width: 720px; }
.page-hero h1, .page-hero h2 { margin-bottom: 10px; }

/* Split photo sections */
.split-photo { display: grid; grid-template-columns: 1fr 1fr; align-items: center; min-height: 480px; }
.split-photo.reverse { grid-template-columns: 1fr 1fr; }
.split-photo.reverse .split-text { order: 1; }
.split-photo.reverse .split-img { order: 2; }
.split-img { height: 100%; min-height: 320px; }
.split-img img { width: 100%; height: 100%; object-fit: cover; display: block; }
.split-text { padding: 60px 64px; }

/* Service detail blocks */
.service-detail { padding: 80px 0; }
.service-detail-inner { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.service-detail-inner.reverse .service-detail-text { order: 2; }
.service-detail-inner.reverse .service-detail-img { order: 1; }
.service-detail-img img { border-radius: var(--radius); box-shadow: var(--shadow); width: 100%; height: 320px; object-fit: cover; }
.check-list { list-style: none; padding: 0; margin: 20px 0 0; display: flex; flex-direction: column; gap: 10px; }
.check-list li { padding-left: 28px; position: relative; font-weight: 500; color: inherit; }
.check-list li::before { content: '✓'; position: absolute; left: 0; color: var(--primary); font-weight: 700; }
.card-blue-bg { background: #eef6fc; }
.card-navy-bg { background: var(--navy); color: var(--white); }
.card-navy-bg .check-list li { color: #dceaf6; }
.card-navy-bg .check-list li::before { color: #8fd3ff; }
.card-teal-bg { background: #e8f7f4; }
.card-gold-bg { background: #fdf6e8; }

/* Stats band (about page) */
.stats-band { background: var(--bg-light); padding: 56px 0; }
.stats-band-inner { display: grid; grid-template-columns: repeat(4, 1fr); gap: 24px; text-align: center; }
.stat { display: flex; flex-direction: column; }
.stat strong { color: var(--primary); font-size: 1.4rem; }
.stat span { font-size: 0.9rem; color: var(--text-muted); }

/* CTA banner */
.cta-banner { background: linear-gradient(120deg, var(--primary-dark), var(--primary)); padding: 56px 0; }
.cta-banner-inner { display: flex; justify-content: space-between; align-items: center; gap: 24px; flex-wrap: wrap; }
.cta-banner h2 { color: var(--white); margin-bottom: 6px; }
.cta-banner p { color: #e3f1fb; margin: 0; }
.cta-banner-actions { display: flex; gap: 14px; flex-wrap: wrap; }

.center-cta { text-align: center; margin-top: 36px; }

/* Process steps */
.process { padding: 90px 0; background: var(--bg-light); }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 32px; }
.process-step { text-align: center; }
.process-number {
  width: 56px; height: 56px;
  border-radius: 50%;
  background: var(--primary);
  color: var(--white);
  display: flex; align-items: center; justify-content: center;
  font-size: 1.4rem; font-weight: 700;
  margin: 0 auto 16px;
}
.process-step h3 { font-size: 1.1rem; }

.contact-map { margin-top: 24px; border-radius: var(--radius); overflow: hidden; box-shadow: var(--shadow); }

/* Services */
.services { padding: 90px 0; background: var(--white); }
.section-head { text-align: center; max-width: 680px; margin: 0 auto 56px; }
.section-head h2 { margin-bottom: 12px; }
.service-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 24px;
}
.service-card {
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 32px 24px;
  text-align: left;
  transition: transform 0.2s ease, box-shadow 0.2s ease;
}
.service-card:hover { transform: translateY(-6px); box-shadow: var(--shadow); }
.service-icon { font-size: 2.2rem; margin-bottom: 14px; }
.service-card h3 { font-size: 1.15rem; margin-bottom: 8px; }
.service-card p { font-size: 0.92rem; margin: 0; }
.service-card.card-blue { background: #e3f0fb; border-top: 4px solid var(--primary); }
.service-card.card-navy { background: #e7edf4; border-top: 4px solid var(--navy); }
.service-card.card-teal { background: #e3f6f1; border-top: 4px solid #1f9d7e; }
.service-card.card-gold { background: #fbf1de; border-top: 4px solid #d4a017; }

/* About */
.about { padding: 90px 0; background: var(--bg-light); }
.about-inner { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; align-items: center; }
.about-img { border-radius: var(--radius); box-shadow: var(--shadow); }
.about-stats { display: flex; gap: 28px; margin-top: 28px; flex-wrap: wrap; }
.about-stats div { display: flex; flex-direction: column; }
.about-stats strong { color: var(--primary); font-size: 1.3rem; }
.about-stats span { font-size: 0.85rem; color: var(--text-muted); }

/* Why us */
.why-us { padding: 90px 0; background: linear-gradient(135deg, var(--primary-dark), var(--primary)); color: var(--white); }
.section-head.light h2 { color: var(--white); }
.section-head.light .eyebrow { color: #d6ecfb; }
.why-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 24px; }
.why-card {
  background: rgba(255,255,255,0.1);
  border: 1px solid rgba(255,255,255,0.2);
  border-radius: var(--radius);
  padding: 28px;
}
.why-card h3 { color: var(--white); font-size: 1.15rem; }
.why-card p { color: #e3f1fb; margin: 0; }

/* Contact */
.contact { padding: 90px 0; background: var(--white); }
.contact-inner { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 56px; }
.contact-list { list-style: none; padding: 0; margin: 28px 0 0; display: flex; flex-direction: column; gap: 18px; }
.contact-label { display: block; font-weight: 600; color: var(--navy); font-size: 0.85rem; text-transform: uppercase; letter-spacing: 0.04em; margin-bottom: 4px; }
.contact-value { font-size: 1.05rem; color: var(--text); }
.contact-value.link { color: var(--primary); font-weight: 600; }
.contact-form {
  background: var(--bg-light);
  border-radius: var(--radius);
  padding: 36px;
  box-shadow: var(--shadow);
}
.contact-form h3 { margin-bottom: 20px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-group { margin-bottom: 16px; display: flex; flex-direction: column; }
.form-group label { font-size: 0.85rem; font-weight: 600; color: var(--navy); margin-bottom: 6px; }
.form-group input, .form-group select, .form-group textarea {
  padding: 12px 14px;
  border: 1px solid #d8e2ec;
  border-radius: 10px;
  font-family: inherit;
  font-size: 0.95rem;
  background: var(--white);
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none;
  border-color: var(--primary);
}
.form-submit { width: 100%; margin-top: 8px; }
.form-submit:disabled { opacity: 0.6; cursor: not-allowed; }
.form-note { text-align: center; font-size: 0.9rem; border-radius: 10px; padding: 0; min-height: 0; }
.form-note.success { color: #1c7c3f; background: #e6f6ec; }
.form-note.error { color: #c0392b; background: #fcebe9; }
.form-note:not(:empty) { padding: 12px 14px; margin-bottom: 16px; }
.field-error { color: #c0392b; font-size: 0.8rem; margin-top: 4px; }
.question-group {
  background: var(--white);
  border: 1px solid #e2eaf2;
  border-radius: 12px;
  padding: 16px 18px;
  margin-bottom: 16px;
}
.question-group label:first-child { margin-bottom: 10px; }
.radio-options { display: flex; flex-wrap: wrap; gap: 10px; }
.radio-option {
  display: flex;
  align-items: center;
  gap: 8px;
  font-size: 0.88rem;
  font-weight: 500;
  color: var(--text);
  background: var(--bg-light);
  border: 1px solid #d8e2ec;
  border-radius: 999px;
  padding: 8px 14px;
  cursor: pointer;
  transition: all 0.15s ease;
}
.radio-option:hover { border-color: var(--primary); }
.radio-option input[type="radio"] { accent-color: var(--primary); margin: 0; cursor: pointer; }
.radio-option:has(input:checked) { background: #e3f0fb; border-color: var(--primary); color: var(--primary-dark); font-weight: 600; }
.form-group input[aria-invalid="true"],
.form-group select[aria-invalid="true"],
.form-group textarea[aria-invalid="true"] { border-color: #c0392b; }

/* Footer */
.site-footer { background: var(--navy); color: #cfe0ee; padding: 48px 0 0; }
.footer-inner { display: flex; justify-content: space-between; gap: 32px; flex-wrap: wrap; padding-bottom: 32px; border-bottom: 1px solid rgba(255,255,255,0.1); }
.footer-logo-row { display: flex; align-items: center; gap: 10px; margin-bottom: 8px; }
.footer-logo { height: 36px; }
.footer-wordmark { font-size: 1.3rem; font-weight: 800; color: var(--white); letter-spacing: 0.01em; }
.footer-brand p { color: #9fb6cc; margin: 0; }
.footer-links { display: flex; gap: 20px; flex-wrap: wrap; align-items: flex-start; }
.footer-links a:hover { color: var(--primary-light); }
.footer-contact { display: flex; flex-direction: column; gap: 6px; }
.footer-contact a:hover { color: var(--primary-light); }
.footer-bottom { text-align: center; padding: 20px 0; font-size: 0.85rem; color: #8fa6bd; }

@media (max-width: 960px) {
  .main-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .hero-inner, .about-inner, .contact-inner { grid-template-columns: 1fr; }
  .service-grid { grid-template-columns: repeat(2, 1fr); }
  .why-grid { grid-template-columns: 1fr; }
  h1 { font-size: 2.3rem; }
  .hero-art { order: -1; }
  .split-photo, .split-photo.reverse { grid-template-columns: 1fr; }
  .split-photo.reverse .split-text, .split-photo.reverse .split-img { order: initial; }
  .split-text { padding: 48px 28px; }
  .split-img { min-height: 260px; }
  .service-detail-inner, .service-detail-inner.reverse { grid-template-columns: 1fr; }
  .service-detail-inner.reverse .service-detail-text, .service-detail-inner.reverse .service-detail-img { order: initial; }
  .strip-inner, .stats-band-inner { grid-template-columns: repeat(2, 1fr); }
  .process-grid { grid-template-columns: 1fr; }
  .owe-options { gap: 8px; }
  .owe-btn { font-size: 0.85rem; padding: 10px 14px; }
  .cta-banner-inner { flex-direction: column; text-align: center; }
  .blog-grid { grid-template-columns: repeat(2, 1fr); }
}
@media (max-width: 600px) {
  .blog-grid { grid-template-columns: 1fr; }
}
@media (max-width: 600px) {
  .service-grid { grid-template-columns: 1fr; }
  .form-row { grid-template-columns: 1fr; }
  .footer-inner { flex-direction: column; }
  .strip-inner, .stats-band-inner { grid-template-columns: 1fr 1fr; }
}