:root {
  --navy: #0a2540;
  --ice: #f1f7ff;
  --white: #ffffff;
  --muted: #3d5160;
  --line: #d5e3f0;
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: "Segoe UI", Arial, Helvetica, sans-serif;
  color: #0a2540;
  line-height: 1.65;
  background: #ffffff;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #0a2540; }
.wrap { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }

.topbar {
  background: #f1f7ff;
  color: #0a2540;
  font-size: 14px;
  border-bottom: 1px solid #d5e3f0;
}
.topbar .wrap {
  display: flex;
  flex-wrap: wrap;
  gap: 8px 20px;
  justify-content: space-between;
  align-items: center;
  padding: 8px 0;
}
.topbar a { color: #0a2540; text-decoration: none; font-weight: 600; }
.phones { display: flex; flex-wrap: wrap; gap: 10px 18px; }
.phones span { color: #0a2540; font-weight: 500; margin-right: 4px; }

.site-header {
  background: #ffffff;
  border-bottom: 1px solid #d5e3f0;
  position: sticky;
  top: 0;
  z-index: 20;
}
.site-header .wrap {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
  padding: 12px 0;
}
.logo {
  text-decoration: none;
  color: #0a2540;
  font-weight: 800;
  font-size: 22px;
  letter-spacing: -0.03em;
}
.logo small {
  display: block;
  font-size: 11px;
  font-weight: 600;
  color: #3d5160;
  letter-spacing: 0;
}
nav ul {
  list-style: none;
  margin: 0;
  padding: 0;
  display: flex;
  flex-wrap: wrap;
  gap: 6px 14px;
}
nav a {
  text-decoration: none;
  color: #0a2540;
  font-size: 14px;
  font-weight: 600;
}
nav a:hover, nav a[aria-current="page"] { text-decoration: underline; }
.has-sub { position: relative; }
.has-sub > .sub {
  display: none;
  position: absolute;
  left: 0;
  top: 100%;
  min-width: 240px;
  margin: 0;
  padding: 8px 0;
  background: #ffffff;
  border: 1px solid #d5e3f0;
  z-index: 40;
  flex-direction: column;
  gap: 0;
}
.has-sub:hover > .sub,
.has-sub.open > .sub { display: block; }
.has-sub > .sub a { display: block; padding: 8px 14px; white-space: nowrap; }
.faq h3 { margin-bottom: 4px; }
.brand-photo { margin: 20px 0; width: 100%; max-height: 320px; object-fit: cover; background: #f1f7ff; }
.nav-toggle {
  display: none;
  background: #0a2540;
  color: #ffffff;
  border: 0;
  padding: 8px 12px;
  font-weight: 700;
}

.hero,
.page-header,
.inner-banner {
  position: relative;
  color: #0a2540;
  min-height: 380px;
  display: flex;
  align-items: center;
  background: #f1f7ff !important;
  background-image: none !important;
  border-bottom: 1px solid #d5e3f0;
}
.hero::before,
.page-header::before,
.inner-banner::before {
  display: none !important;
  content: none !important;
  background: none !important;
  opacity: 0 !important;
}
.hero .wrap,
.page-header .wrap,
.inner-banner .wrap {
  position: relative;
  padding: 56px 0;
  z-index: 1;
}
.hero p,
.page-header p,
.inner-banner p,
.hero h1,
.page-header h1,
.inner-banner h1,
.hero .lead,
.hero .kicker {
  color: #0a2540 !important;
}
.hero p.kicker {
  margin: 0 0 8px;
  font-weight: 700;
  letter-spacing: 0.04em;
  text-transform: uppercase;
  font-size: 13px;
}
.hero h1 {
  margin: 0 0 12px;
  font-size: clamp(28px, 4vw, 42px);
  line-height: 1.15;
}
.hero .lead {
  font-size: 18px;
  max-width: 700px;
}

.cta-row { display: flex; flex-wrap: wrap; gap: 10px; margin: 22px 0 0; }
.btn,
.btn-light,
.btn-dark {
  display: inline-block;
  padding: 12px 16px;
  text-decoration: none;
  font-weight: 700;
  border-radius: 3px;
  color: #ffffff !important;
  background: #0a2540 !important;
  border: 1px solid #0a2540;
}

.section { padding: 48px 0; background: #ffffff; }
.section.alt { background: #f1f7ff; }
h2 { font-size: 26px; color: #0a2540; margin: 0 0 14px; }
h3 { font-size: 18px; color: #0a2540; margin: 22px 0 8px; }
p, li { font-size: 16px; color: #3d5160; }
.grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(240px, 1fr));
  gap: 16px;
}
.card {
  background: #ffffff !important;
  border: 1px solid #d5e3f0;
  padding: 18px;
}
.card h3 { margin-top: 10px; color: #0a2540; }
.card a.more { font-weight: 700; text-decoration: none; color: #0a2540; }
.areas { columns: 3; gap: 24px; }
@media (max-width: 800px) { .areas { columns: 2; } }
@media (max-width: 520px) { .areas { columns: 1; } }

.cta-band {
  background: #f1f7ff;
  color: #0a2540;
  padding: 36px 0;
  border-top: 1px solid #d5e3f0;
}
.cta-band h2, .cta-band p { color: #0a2540; }
.cta-band .phones a { color: #0a2540; font-size: 18px; }

.site-footer {
  background: #f1f7ff;
  color: #0a2540;
  padding: 36px 0 80px;
  font-size: 14px;
  border-top: 1px solid #d5e3f0;
}
.site-footer a { color: #0a2540; }
.site-footer h3 { color: #0a2540; margin-top: 0; }
.site-footer .grid { margin-bottom: 20px; }
.legal { border-top: 1px solid #d5e3f0; padding-top: 16px; color: #3d5160; }

.sticky-cta {
  position: fixed;
  left: 0;
  right: 0;
  bottom: 0;
  display: none;
  background: #ffffff;
  padding: 8px;
  gap: 6px;
  z-index: 30;
  border-top: 1px solid #d5e3f0;
}
.sticky-cta a {
  flex: 1;
  text-align: center;
  color: #ffffff !important;
  text-decoration: none;
  font-size: 12px;
  font-weight: 700;
  background: #0a2540 !important;
  padding: 10px 4px;
}

@media (max-width: 900px) {
  .nav-toggle { display: block; }
  nav { display: none; width: 100%; }
  nav.open { display: block; }
  nav ul { flex-direction: column; padding: 8px 0 12px; }
  .site-header .wrap { flex-wrap: wrap; }
  .sticky-cta { display: flex; }
  .has-sub > .sub {
    position: static;
    border: 0;
    display: none;
    padding: 0 0 0 12px;
  }
  .has-sub.open > .sub { display: block; }
}

.photo-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 12px;
  margin: 20px 0;
}
@media (max-width: 700px) { .photo-row { grid-template-columns: 1fr; } }
.photo-row img { width: 100%; height: 220px; object-fit: cover; }