:root {
  --navy: #0b2545;
  --navy-2: #13315c;
  --orange: #f4a259;
  --orange-dark: #b9621a;
  --ink: #1b1f24;
  --muted: #4a5563;
  --bg: #ffffff;
  --bg-alt: #f3f6fa;
  --line: #d5dde8;
  --radius: 12px;
  --max: 1120px;
}

*, *::before, *::after { box-sizing: border-box; }

html { scroll-behavior: smooth; scroll-padding-top: 80px; }

body {
  margin: 0;
  font-family: "Open Sans", system-ui, -apple-system, "Segoe UI", sans-serif;
  font-size: 1.0625rem;
  line-height: 1.6;
  color: var(--ink);
  background: var(--bg);
}

h1, h2, h3 {
  font-family: "Montserrat", system-ui, sans-serif;
  line-height: 1.2;
  margin: 0 0 .5em;
}
h1 { font-size: clamp(2rem, 5vw, 3.25rem); font-weight: 800; }
h2 { font-size: clamp(1.6rem, 3.5vw, 2.25rem); font-weight: 800; color: var(--navy); }
h3 { font-size: 1.15rem; font-weight: 600; color: var(--navy); }
p { margin: 0 0 1em; }
a { color: var(--navy-2); }
img, svg { max-width: 100%; }

.container { width: 100%; max-width: var(--max); margin: 0 auto; padding: 0 16px; }

.visually-hidden {
  position: absolute !important; width: 1px; height: 1px; margin: -1px; padding: 0;
  overflow: hidden; clip: rect(0 0 0 0); white-space: nowrap; border: 0;
}

.skip-link {
  position: absolute; left: 16px; top: -100px; z-index: 100;
  background: var(--orange); color: var(--navy); padding: 10px 16px; border-radius: 8px; font-weight: 600;
}
.skip-link:focus { top: 12px; }

:focus-visible { outline: 3px solid var(--orange); outline-offset: 3px; }

/* Buttons */
.btn {
  display: inline-flex; align-items: center; gap: .5em;
  min-height: 48px; padding: 12px 22px;
  background: var(--orange); color: var(--navy);
  border: 2px solid var(--orange); border-radius: 999px;
  font-family: "Montserrat", sans-serif; font-weight: 800; font-size: 1rem;
  text-decoration: none; cursor: pointer;
  transition: background .15s, border-color .15s, color .15s;
}
.btn:hover { background: #f7b77c; border-color: #f7b77c; }
.btn-ghost { background: transparent; color: #fff; border-color: rgba(255,255,255,.7); }
.btn-ghost:hover { background: rgba(255,255,255,.12); border-color: #fff; }
.btn-small { min-height: 40px; padding: 8px 16px; font-size: .9rem; }
.icon { width: 20px; height: 20px; }

/* Header */
.site-header {
  position: sticky; top: 0; z-index: 50;
  background: var(--navy); color: #fff;
  box-shadow: 0 2px 10px rgba(0,0,0,.15);
}
.header-inner { display: flex; align-items: center; justify-content: space-between; min-height: 68px; gap: 16px; }
.brand { display: flex; align-items: center; gap: 10px; color: #fff; text-decoration: none; font-family: "Montserrat", sans-serif; font-size: 1.05rem; }
.brand strong { font-weight: 800; }
.brand-icon { width: 40px; height: 28px; color: #fff; flex: none; }

.site-nav ul { display: flex; align-items: center; gap: 22px; list-style: none; margin: 0; padding: 0; }
.site-nav a:not(.btn) { color: #fff; text-decoration: none; font-weight: 600; }
.site-nav a:not(.btn):hover { color: var(--orange); }

.lang-toggle {
  min-width: 44px; min-height: 40px; padding: 0 10px;
  background: transparent; color: #fff; border: 2px solid rgba(255,255,255,.5); border-radius: 8px;
  font-weight: 700; cursor: pointer;
}
.lang-toggle:hover { border-color: #fff; }

.nav-toggle {
  display: none; width: 48px; height: 48px; background: transparent; border: 0; cursor: pointer; position: relative;
}
.nav-toggle-bar, .nav-toggle-bar::before, .nav-toggle-bar::after {
  position: absolute; left: 12px; width: 24px; height: 3px; background: #fff; border-radius: 2px; content: "";
  transition: transform .2s, opacity .2s;
}
.nav-toggle-bar { top: 22px; }
.nav-toggle-bar::before { top: -8px; left: 0; }
.nav-toggle-bar::after { top: 8px; left: 0; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar { background: transparent; }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar::before { transform: translateY(8px) rotate(45deg); }
.nav-toggle[aria-expanded="true"] .nav-toggle-bar::after { transform: translateY(-8px) rotate(-45deg); }

@media (max-width: 860px) {
  .nav-toggle { display: block; }
  .site-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy); border-top: 1px solid rgba(255,255,255,.15);
  }
  .site-nav.is-open { display: block; }
  .site-nav ul { flex-direction: column; align-items: stretch; gap: 0; padding: 8px 16px 16px; }
  .site-nav li a:not(.btn) { display: block; padding: 14px 0; border-bottom: 1px solid rgba(255,255,255,.1); }
  .site-nav .btn { margin-top: 14px; justify-content: center; }
  .site-nav .lang-toggle { margin-top: 12px; width: 100%; }
}

/* Hero */
.hero {
  color: #fff;
  background:
    linear-gradient(120deg, rgba(11,37,69,.97) 0%, rgba(19,49,92,.9) 60%, rgba(19,49,92,.75) 100%),
    repeating-linear-gradient(90deg, #1d3f6e 0 60px, #183764 60px 62px, #1d3f6e 62px 120px);
  padding: clamp(56px, 10vw, 120px) 0;
}
.hero h1 { max-width: 16ch; }
.eyebrow { color: var(--orange); font-weight: 700; letter-spacing: .04em; text-transform: uppercase; font-size: .9rem; }
.lead { font-size: clamp(1.05rem, 2.2vw, 1.25rem); max-width: 60ch; color: #e3ebf5; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin: 28px 0; }
.hero-badges { display: flex; flex-wrap: wrap; gap: 10px 24px; list-style: none; padding: 0; margin: 0; color: #e3ebf5; font-size: .95rem; }
.hero-badges li::before { content: "✓"; color: var(--orange); font-weight: 800; margin-right: 8px; }

/* Sections */
.section { padding: clamp(56px, 8vw, 96px) 0; }
.section-alt { background: var(--bg-alt); }
.section-dark { background: var(--navy); color: #fff; }
.section-dark h2 { color: #fff; }
.section-lead { color: var(--muted); max-width: 60ch; font-size: 1.1rem; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 20px; margin-top: 32px; }
.card { background: #fff; border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; }
.card p { color: var(--muted); margin: 0; }
.card-icon { width: 40px; height: 40px; color: var(--orange-dark); margin-bottom: 12px; }

.features { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 28px; list-style: none; padding: 0; margin: 32px 0; }
.features li { border-left: 4px solid var(--orange); padding-left: 16px; }
.features p { color: var(--muted); margin: 0; }
.verify { color: var(--muted); }
.verify a { font-weight: 600; }

.coverage { display: grid; grid-template-columns: 1.2fr 1fr; gap: 40px; align-items: center; }
.coverage-art svg { width: 100%; height: auto; }
.checklist { list-style: none; padding: 0; margin: 20px 0 0; }
.checklist li { padding: 8px 0 8px 32px; position: relative; }
.checklist li::before {
  content: ""; position: absolute; left: 0; top: 13px; width: 18px; height: 18px; border-radius: 50%;
  background: var(--orange);
}
@media (max-width: 760px) {
  .coverage { grid-template-columns: 1fr; }
  .coverage-art { order: -1; max-width: 360px; }
}

/* Quote form */
.quote { display: grid; grid-template-columns: 1fr 1.6fr; gap: 40px; }
.quote-intro p { color: #e3ebf5; }
.link-light { color: var(--orange); font-size: 1.4rem; font-weight: 700; font-family: "Montserrat", sans-serif; text-decoration: none; }
.link-light:hover { text-decoration: underline; }
.quote-form {
  display: grid; grid-template-columns: 1fr 1fr; gap: 16px;
  background: #fff; color: var(--ink); border-radius: var(--radius); padding: 24px;
}
.field { display: flex; flex-direction: column; gap: 6px; }
.field-full { grid-column: 1 / -1; }
.field label { font-weight: 600; font-size: .95rem; }
.field input, .field select, .field textarea {
  font: inherit; font-size: 1rem; min-height: 48px; padding: 10px 12px;
  border: 1.5px solid #9aa8ba; border-radius: 8px; background: #fff; color: var(--ink);
}
.field textarea { resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--navy-2); }
@media (max-width: 860px) {
  .quote { grid-template-columns: 1fr; }
}
@media (max-width: 520px) {
  .quote-form { grid-template-columns: 1fr; padding: 18px; }
  .quote-form .btn { width: 100%; justify-content: center; }
}

/* Contact */
.contact-list { list-style: none; padding: 0; margin: 24px 0 0; display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; }
.contact-list li { border: 1px solid var(--line); border-radius: var(--radius); padding: 20px; display: flex; flex-direction: column; gap: 4px; }
.contact-list a { font-weight: 600; font-size: 1.1rem; word-break: break-word; }
.contact-label { color: var(--muted); font-size: .85rem; text-transform: uppercase; letter-spacing: .05em; font-weight: 700; }

/* Footer */
.site-footer { background: #071a31; color: #c3cfdd; padding: 24px 0; font-size: .95rem; }
.footer-inner { display: flex; flex-wrap: wrap; justify-content: space-between; gap: 8px; }
.site-footer p { margin: 0; }
.site-footer a { color: #fff; }

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  * { transition: none !important; }
}