:root{
  --navy:#0b2f4f;--blue:#1267a5;--sky:#eaf5fb;--gold:#e7a927;
  --ink:#17232d;--muted:#5d6b75;--white:#fff;--line:#d8e2e8;
  --green:#176b4d;--red:#9f2f2f;--shadow:0 12px 32px rgba(11,47,79,.12);
}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue)}img{max-width:100%}.container{width:min(1160px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.92rem}.topbar .container{display:flex;justify-content:space-between;gap:20px;padding:8px 0;flex-wrap:wrap}
.site-header{background:#fff;position:sticky;top:0;z-index:50;border-bottom:1px solid var(--line)}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;min-height:76px;gap:24px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.08rem}
.logo-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900}
nav ul{display:flex;list-style:none;gap:24px;margin:0;padding:0;align-items:center}nav a{text-decoration:none;color:var(--ink);font-weight:700}
nav a:hover,nav a.active{color:var(--blue)}.nav-cta,.btn{display:inline-block;padding:12px 19px;border-radius:7px;text-decoration:none;font-weight:800;border:2px solid transparent}
.btn-primary,.nav-cta{background:var(--gold);color:#16212a}.btn-primary:hover,.nav-cta:hover{filter:brightness(.95)}
.btn-secondary{background:#fff;color:var(--navy);border-color:#fff}.btn-outline{border-color:var(--blue);color:var(--blue);background:#fff}
.menu-btn{display:none;border:0;background:none;font-size:1.6rem}
.hero{background:linear-gradient(110deg,rgba(11,47,79,.98),rgba(18,103,165,.88));color:#fff;padding:82px 0}
.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:52px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-weight:800;color:#f7cc69;font-size:.84rem}
h1{font-size:clamp(2.2rem,5vw,4.2rem);line-height:1.08;margin:.3em 0}.hero p{font-size:1.18rem;max-width:760px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero-card{background:#fff;color:var(--ink);padding:28px;border-radius:15px;box-shadow:var(--shadow)}.hero-card h2{color:var(--navy);margin-top:0}.checklist{padding:0;list-style:none}.checklist li{padding:8px 0 8px 28px;position:relative}.checklist li:before{content:"✓";position:absolute;left:0;color:var(--green);font-weight:900}
.notice{border-left:5px solid var(--gold);background:#fff8e8;padding:16px 18px;color:#3b352a;margin:0}
.section{padding:72px 0}.section.alt{background:var(--sky)}.section h2{font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.15;color:var(--navy);margin-top:0}.lead{font-size:1.15rem;color:var(--muted);max-width:820px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:32px}.card{border:1px solid var(--line);border-radius:13px;padding:27px;background:#fff;box-shadow:0 5px 18px rgba(11,47,79,.06)}.card h3{color:var(--navy);margin-top:4px}.card .icon{font-size:2rem}
.card a.more{font-weight:800;text-decoration:none}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:30px}.step{background:#fff;border:1px solid var(--line);padding:24px;border-radius:12px}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--blue);color:#fff;font-weight:900;margin-bottom:14px}
.cta{background:var(--navy);color:#fff;padding:52px 0}.cta h2{color:#fff}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.side-nav{border:1px solid var(--line);padding:22px;border-radius:12px;background:#fff}.side-nav a{display:block;padding:9px;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700}
.page-hero{background:var(--sky);padding:55px 0;border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(2rem,4vw,3.4rem);color:var(--navy);margin-bottom:12px}.breadcrumbs{font-size:.93rem;color:var(--muted)}
.content h2{margin-top:2em;color:var(--navy)}.content h3{color:var(--navy)}.content ul{padding-left:22px}.highlight{background:var(--sky);padding:24px;border-radius:12px;border-left:5px solid var(--blue)}
.warning{background:#fff1f1;border-left:5px solid var(--red);padding:20px;border-radius:5px}.success{background:#ecf8f2;border-left:5px solid var(--green);padding:20px;border-radius:5px}
.faq details{border:1px solid var(--line);border-radius:8px;padding:16px 18px;margin:12px 0;background:#fff}.faq summary{font-weight:800;color:var(--navy);cursor:pointer}
form{display:grid;gap:16px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}label{font-weight:700}input,select,textarea{width:100%;padding:13px;border:1px solid #b9c7cf;border-radius:7px;font:inherit}textarea{min-height:145px}.small{font-size:.9rem;color:var(--muted)}
footer{background:#071e31;color:#dfeaf1;padding:54px 0 25px}footer a{color:#fff}.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1fr;gap:30px}.footer-grid h3{color:#fff}.footer-links{list-style:none;padding:0}.footer-links li{margin:8px 0}.copyright{border-top:1px solid rgba(255,255,255,.18);margin-top:35px;padding-top:20px;font-size:.9rem}
.badge{display:inline-block;background:#eaf5fb;color:var(--navy);padding:4px 10px;border-radius:999px;font-size:.84rem;font-weight:800}
.resource-list a{display:block;border:1px solid var(--line);padding:15px;margin:10px 0;border-radius:8px;text-decoration:none;font-weight:700}

.form-services-section h2{margin-bottom:14px}
.form-services-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:16px 24px;margin-top:30px}
.form-service-item{display:grid;grid-template-columns:86px 1fr;gap:14px;align-items:start;background:#fff;border:1px solid var(--line);border-radius:10px;padding:17px 18px;box-shadow:0 5px 18px rgba(11,47,79,.05)}
.form-service-item strong{color:var(--blue);font-size:1.02rem}
.form-service-item span{color:var(--ink)}
@media(max-width:850px){.hero-grid,.two-col,.footer-grid{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}.menu-btn{display:block}nav{display:none;position:absolute;top:76px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);padding:20px}nav.open{display:block}nav ul{flex-direction:column;align-items:flex-start}.hero{padding:58px 0}}
@media(max-width:560px){.cards,.steps,.form-row,.form-services-grid{grid-template-columns:1fr}.topbar .container{display:block}.nav-wrap{min-height:68px}.hero{padding:44px 0}.section{padding:52px 0}}


/* Floating phone call button */
.floating-phone-button{
  position:fixed;
  right:22px;
  bottom:22px;
  z-index:1000;
  display:inline-flex;
  align-items:center;
  gap:10px;
  padding:14px 20px;
  border-radius:999px;
  background:#18864b;
  color:#fff;
  font-size:1rem;
  font-weight:800;
  line-height:1.2;
  text-decoration:none;
  box-shadow:0 8px 24px rgba(0,0,0,.24);
  transition:transform .2s ease,background-color .2s ease,box-shadow .2s ease;
}
.floating-phone-button:hover,
.floating-phone-button:focus-visible{
  background:#116d3c;
  color:#fff;
  transform:translateY(-2px);
  box-shadow:0 11px 28px rgba(0,0,0,.28);
}
.floating-phone-button:focus-visible{outline:3px solid #f7cc69;outline-offset:3px}
.floating-phone-icon{font-size:1.2rem;line-height:1}
@media(max-width:560px){
  .floating-phone-button{right:14px;bottom:14px;padding:13px 16px;font-size:.93rem}
}