:root{
  --bg:#ffffff;
  --text:#111827;
  --muted:#6b7280;
  --navy:#0b1f3a;
  --navy2:#123a6f;
  --border:#e5e7eb;
  --card:#ffffff;
  --shadow: 0 10px 25px rgba(17,24,39,.08);
  --radius: 16px;
}

*{box-sizing:border-box}
html,body{margin:0;padding:0}
body{
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji", "Segoe UI Emoji";
  background:var(--bg);
  color:var(--text);
  line-height:1.45;
}

a{color:inherit;text-decoration:none}
.container{
  width:min(1100px, calc(100% - 40px));
  margin:0 auto;
}

/* Header */
.header{
  position:sticky;
  top:0;
  z-index:20;
  background:rgba(255,255,255,.88);
  backdrop-filter: blur(10px);
  border-bottom:1px solid var(--border);
}
.header-inner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:16px;
  padding:14px 0;
}
.brand{
  display:flex;
  align-items:center;
  gap:12px;
}
.logo{
  display:inline-flex;
  width:40px;height:40px;
  border-radius:12px;
  align-items:center;
  justify-content:center;
  background:linear-gradient(135deg, var(--navy), var(--navy2));
  color:#fff;
  box-shadow: 0 8px 18px rgba(11,31,58,.2);
  font-size:18px;
}
.brand-text{display:flex;flex-direction:column}
.brand-name{font-weight:800; letter-spacing:-.2px}
.brand-tag{font-size:13px;color:var(--muted);margin-top:2px}
.header-cta{
  display:flex;
  align-items:center;
  gap:14px;
}
.phone-block{display:flex;flex-direction:column;align-items:flex-end}
.phone-label{font-size:12px;color:var(--muted)}
.phone-link{font-weight:800}

/* Buttons */
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:10px 14px;
  border-radius:12px;
  border:1px solid transparent;
  font-weight:800;
  cursor:pointer;
  transition:transform .06s ease, box-shadow .15s ease, background .15s ease, border-color .15s ease;
  user-select:none;
}
.btn:active{transform:translateY(1px)}
.btn-primary{
  background:linear-gradient(135deg, var(--navy), var(--navy2));
  color:#fff;
  box-shadow: 0 10px 22px rgba(11,31,58,.18);
}
.btn-primary:hover{box-shadow: 0 14px 26px rgba(11,31,58,.22)}
.btn-ghost{
  background:#fff;
  border-color:var(--border);
  color:var(--text);
}
.btn-ghost:hover{border-color:#cbd5e1}
.btn-lg{padding:14px 18px;border-radius:14px;font-size:16px}
.btn-block{width:100%}

/* Hero */
.hero{
  padding:54px 0 34px;
  background:
    radial-gradient(1200px 600px at 20% -10%, rgba(18,58,111,.12), transparent 60%),
    radial-gradient(900px 500px at 90% 10%, rgba(11,31,58,.10), transparent 55%);
}
.hero-grid{
  display:grid;
  grid-template-columns: 1.15fr .85fr;
  gap:26px;
  align-items:start;
}
.hero-copy h1{
  margin:0 0 10px;
  font-size: clamp(30px, 3.2vw, 44px);
  letter-spacing:-.6px;
  line-height:1.05;
}
.lead{
  margin:0 0 18px;
  color:#1f2937;
  font-size: clamp(16px, 1.4vw, 18px);
}
.hero-actions{
  display:flex;
  gap:12px;
  flex-wrap:wrap;
  margin: 14px 0 12px;
}
.trust{
  list-style:none;
  padding:0;
  margin: 12px 0 0;
  display:flex;
  flex-wrap:wrap;
  gap:10px 18px;
  color:#0f172a;
  font-weight:650;
}
.note{
  color:var(--muted);
  font-size:13px;
  margin-top:12px;
}
.center{text-align:center}

/* Cards */
.cards{
  display:grid;
  grid-template-columns: repeat(3, 1fr);
  gap:16px;
}
.card{
  background:var(--card);
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow: var(--shadow);
  padding:18px;
}
.card h3{margin:0 0 8px}
.card p{margin:0;color:var(--muted)}
.hero-card .card{padding:20px}
.card-title{margin:0 0 12px;font-size:18px}
.checklist{margin:0 0 14px;padding-left:18px;color:#1f2937}
.tiny{margin:10px 0 0;color:var(--muted);font-size:12px}

/* Sections */
.section{padding:44px 0}
.section.alt{background:#f8fafc;border-top:1px solid var(--border);border-bottom:1px solid var(--border)}
.section-head{
  margin-bottom:18px;
}
.section-head h2{
  margin:0 0 6px;
  font-size: clamp(22px, 2.3vw, 30px);
  letter-spacing:-.3px;
}
.section-head p{margin:0;color:var(--muted)}

/* Steps */
.steps{
  list-style:none;
  padding:0;
  margin:18px 0 0;
  display:grid;
  gap:14px;
}
.steps li{
  display:flex;
  gap:14px;
  align-items:flex-start;
  background:#fff;
  border:1px solid var(--border);
  border-radius:var(--radius);
  box-shadow: var(--shadow);
  padding:16px;
}
.step-num{
  width:38px;height:38px;
  border-radius:12px;
  display:inline-flex;
  align-items:center;
  justify-content:center;
  color:#fff;
  font-weight:900;
  background:linear-gradient(135deg, var(--navy), var(--navy2));
  flex: 0 0 auto;
}
.step-body h3{margin:0 0 6px}
.step-body p{margin:0;color:var(--muted)}

/* CTA box */
.cta-row{margin-top:18px}
.cta-box{
  background:linear-gradient(135deg, rgba(11,31,58,.06), rgba(18,58,111,.06));
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:18px;
  box-shadow: var(--shadow);
}
.cta-box h3{margin:0 0 6px}
.cta-box p{margin:0 0 12px;color:var(--muted)}

/* Split */
.split{
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:16px;
}
.bullets{margin:0;padding-left:18px}
.bullets li{margin:8px 0;color:#1f2937}
.mini-grid{
  margin-top:14px;
  display:grid;
  grid-template-columns: 1fr 1fr;
  gap:12px;
}
.mini{
  border:1px solid var(--border);
  border-radius:14px;
  padding:12px;
  background:#fff;
}
.mini-title{display:block;font-weight:900}
.mini-text{display:block;color:var(--muted);font-size:13px;margin-top:2px}

/* Final CTA */
.final-cta{
  margin-top:22px;
  text-align:center;
  border:1px solid var(--border);
  border-radius:var(--radius);
  padding:22px;
  background:linear-gradient(135deg, rgba(11,31,58,.05), rgba(18,58,111,.05));
  box-shadow: var(--shadow);
}
.final-cta h2{margin:0 0 6px}
.final-cta p{margin:0 0 14px;color:var(--muted)}

/* Footer */
.footer{
  border-top:1px solid var(--border);
  padding:26px 0 86px; /* leave room for mobile bar */
  background:#fff;
}
.footer-inner{
  display:flex;
  justify-content:space-between;
  gap:18px;
}
.footer-brand{
  display:flex;
  gap:10px;
  align-items:flex-start;
}
.footer-phone{font-weight:900}
.disclaimer{
  margin:12px 0 0;
  color:var(--muted);
  font-size:12px;
  max-width: 720px;
}
.footer-right{
  display:flex;
  flex-direction:column;
  gap:10px;
  align-items:flex-end;
}
.footer-link{
  color:var(--muted);
  font-weight:700;
}
.footer-link:hover{color:#111827}

/* Mobile sticky bar */
.mobile-bar{
  position:fixed;
  left:0; right:0; bottom:0;
  background:rgba(255,255,255,.92);
  backdrop-filter: blur(10px);
  border-top:1px solid var(--border);
  padding:10px 0;
  z-index:30;
  display:none;
}
.mobile-bar-inner{
  width:min(1100px, calc(100% - 24px));
  margin:0 auto;
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:12px;
}
.mobile-bar-text{display:flex;flex-direction:column;gap:2px}
.mb-title{font-weight:900}
.mb-sub{font-size:12px;color:var(--muted)}

/* Responsive */
@media (max-width: 920px){
  .hero-grid{grid-template-columns:1fr}
  .cards{grid-template-columns: repeat(2, 1fr)}
  .split{grid-template-columns:1fr}
  .footer-inner{flex-direction:column}
  .footer-right{align-items:flex-start;flex-direction:row;gap:14px;flex-wrap:wrap}
}

@media (max-width: 640px){
  .phone-block{display:none}
  .btn-lg{width:100%}
  .hero-actions{gap:10px}
  .cards{grid-template-columns: 1fr}
  .mobile-bar{display:block}
}