/* ============ TOKENS ============ */
:root{
  --navy:#0B2447; --navy-2:#143263; --ink:#1B2536; --muted:#5A6A82;
  --gold:#C9A227; --gold-soft:#F7EFD8; --teal:#0E7C7B; --teal-soft:#E3F2F1;
  --red:#B3372F; --red-soft:#FBEAE8; --green:#1E7A3C; --green-soft:#E6F3EA;
  --bg:#FFFFFF; --surface:#F4F6FA; --line:#E2E7F0;
  --radius:14px; --radius-sm:10px;
  --shadow:0 4px 18px rgba(11,36,71,.08);
  --font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --maxw:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:var(--teal)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.skip-link{position:absolute;left:-9999px;background:var(--navy);color:#fff;padding:.6rem 1rem;z-index:999}
.skip-link:focus{left:8px;top:8px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
h1,h2,h3,h4{font-weight:800;line-height:1.22;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em}
h1{font-size:clamp(1.9rem,5vw,2.9rem)}
h2{font-size:clamp(1.5rem,3.6vw,2.1rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.section{padding:56px 0}
.section--alt{background:var(--surface)}
.section-head{max-width:720px;margin-bottom:30px}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:.5rem}

/* ============ BUTTONS ============ */
.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:999px;padding:.85rem 1.6rem;font-size:1rem;line-height:1.2;border:2px solid transparent;cursor:pointer;text-align:center}
.btn--wa{background:#1EBE5D;color:#fff}
.btn--wa:hover{background:#169c4b;color:#fff}
.btn--navy{background:var(--navy);color:#fff}
.btn--navy:hover{background:var(--navy-2);color:#fff}
.btn--ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn--ghost:hover{background:var(--navy);color:#fff}
.btn--gold{background:var(--gold);color:var(--navy)}
.btn--sm{padding:.55rem 1.1rem;font-size:.9rem}

/* ============ ANNOUNCEMENT + HEADER ============ */
.announce{background:var(--navy);color:#EAF0FA;font-size:.88rem;text-align:center;padding:.5rem 14px}
.announce a{color:var(--gold);font-weight:700;text-decoration:none}
.site-header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.header-bar{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.logo{font-size:1.3rem;font-weight:900;color:var(--navy);text-decoration:none;letter-spacing:-.02em}
.logo span{color:var(--gold)}
.nav{display:none}
.nav.open{display:block;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
.nav ul{list-style:none;margin:0;padding:10px 20px 16px}
.nav a{display:block;padding:.6rem 0;color:var(--ink);text-decoration:none;font-weight:600}
.nav a:hover{color:var(--teal)}
.nav-toggle{background:none;border:2px solid var(--navy);border-radius:8px;padding:.4rem .7rem;font-weight:700;color:var(--navy);cursor:pointer}
.header-cta{display:none}
@media(min-width:960px){
  .nav{display:block;position:static}
  .nav ul{display:flex;gap:22px;padding:0}
  .nav a{padding:.3rem 0;font-size:.95rem}
  .nav-toggle{display:none}
  .header-cta{display:inline-block}
}

/* ============ HERO ============ */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%);color:#EAF0FA;padding:64px 0 70px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:380px;height:380px;border-radius:50%;border:60px solid rgba(201,162,39,.12)}
.hero h1{color:#fff;max-width:760px}
.hero p.sub{font-size:1.12rem;max-width:640px;color:#C7D3E8;margin-bottom:1.6rem}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px}
.hero .btn--ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.hero .btn--ghost:hover{background:#fff;color:var(--navy)}

/* ============ TRUST BADGES ============ */
.badges{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
@media(min-width:760px){.badges{grid-template-columns:repeat(3,1fr)}}
@media(min-width:1024px){.badges{grid-template-columns:repeat(6,1fr)}}
.badge{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:14px;font-size:.86rem;font-weight:700;color:var(--navy);display:flex;align-items:center;gap:8px}
.badge svg{flex:none;color:var(--teal)}

/* ============ CARDS ============ */
.grid{display:grid;gap:18px;grid-template-columns:1fr}
@media(min-width:640px){.grid{grid-template-columns:repeat(2,1fr)}}
@media(min-width:1000px){.grid--3{grid-template-columns:repeat(3,1fr)}.grid--4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--radius);padding:22px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card h3 a{color:var(--navy);text-decoration:none}
.card h3 a:hover{color:var(--teal)}
.card p{font-size:.95rem;color:var(--muted);flex:1}
.card .more{font-weight:700;font-size:.92rem;text-decoration:none}
.card-icon{width:44px;height:44px;border-radius:10px;background:var(--teal-soft);color:var(--teal);display:flex;align-items:center;justify-content:center;margin-bottom:12px;font-size:1.3rem}

/* ============ PROCESS ============ */
.steps{list-style:none;margin:0;padding:0;counter-reset:s;display:grid;gap:16px}
@media(min-width:900px){.steps{grid-template-columns:repeat(5,1fr)}}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);padding:18px;position:relative}
.steps li::before{content:counter(s,decimal-leading-zero);display:block;font-weight:900;color:var(--gold);font-size:1.4rem;margin-bottom:6px}
.steps b{color:var(--navy);display:block;margin-bottom:4px}
.steps li p{font-size:.88rem;color:var(--muted);margin:0}

/* ============ FAQ ============ */
.faq{max-width:820px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius-sm);margin-bottom:10px;padding:0 18px}
.faq summary{font-weight:700;color:var(--navy);padding:16px 0;cursor:pointer;list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::after{content:"+";color:var(--gold);font-size:1.3rem;font-weight:900}
.faq details[open] summary::after{content:"–"}
.faq details>div{padding:0 0 16px;color:var(--muted);font-size:.97rem}

/* ============ CTA BANNER ============ */
.cta-banner{background:linear-gradient(150deg,var(--navy),var(--navy-2));border-radius:var(--radius);color:#fff;padding:36px 26px;text-align:center}
.cta-banner h2{color:#fff}
.cta-banner p{color:#C7D3E8;max-width:560px;margin:0 auto 1.4rem}

/* ============ CONTENT BOXES ============ */
.box{border-radius:var(--radius-sm);padding:18px 20px;margin:1.4rem 0;border:1px solid var(--line);border-left:5px solid var(--teal);background:var(--teal-soft)}
.box--warn{border-left-color:var(--red);background:var(--red-soft)}
.box--gold{border-left-color:var(--gold);background:var(--gold-soft)}
.box--check{border-left-color:var(--green);background:var(--green-soft)}
.box b,.box strong{color:var(--navy)}
.box ul{margin:.4rem 0 0;padding-left:1.2rem}

/* ============ ARTICLE / SINGLE ============ */
.entry{max-width:780px}
.entry h2{margin-top:2em}
.entry ul,.entry ol{padding-left:1.3rem}
.entry img{border-radius:var(--radius-sm)}
.entry table{width:100%;border-collapse:collapse;font-size:.93rem;margin:1.2rem 0}
.entry th,.entry td{border:1px solid var(--line);padding:.6rem .8rem;text-align:left}
.entry th{background:var(--surface);color:var(--navy)}
.meta-row{font-size:.85rem;color:var(--muted);margin-bottom:1.2rem}
.breadcrumbs{font-size:.83rem;color:var(--muted);margin:18px 0}
.breadcrumbs a{color:var(--muted);text-decoration:none}
.breadcrumbs a:hover{color:var(--teal)}
.disclaimer{font-size:.82rem;color:var(--muted);border-top:1px solid var(--line);margin-top:2.5rem;padding-top:1.2rem}
.toc{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);padding:16px 20px;margin:1.4rem 0;font-size:.93rem}
.toc ol{margin:.3rem 0 0;padding-left:1.2rem}
.service-facts{display:grid;gap:12px;grid-template-columns:1fr 1fr;margin:1.4rem 0}
.fact{background:var(--surface);border:1px solid var(--line);border-radius:var(--radius-sm);padding:12px 14px;font-size:.9rem}
.fact b{display:block;color:var(--navy);font-size:.78rem;text-transform:uppercase;letter-spacing:.08em}

/* ============ FOOTER ============ */
.site-footer{background:var(--navy);color:#B9C6DC;margin-top:60px;padding:48px 0 110px;font-size:.92rem}
@media(min-width:960px){.site-footer{padding-bottom:48px}}
.footer-grid{display:grid;gap:28px;grid-template-columns:1fr}
@media(min-width:760px){.footer-grid{grid-template-columns:2fr 1fr 1fr 1fr}}
.site-footer h4{color:#fff;font-size:1rem}
.site-footer a{color:#B9C6DC;text-decoration:none}
.site-footer a:hover{color:var(--gold)}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:.45rem}
.footer-disclaimer{border-top:1px solid rgba(255,255,255,.15);margin-top:30px;padding-top:18px;font-size:.78rem;color:#8FA2C2}

/* ============ FLOATING / MOBILE CTAs ============ */
.wa-float{position:fixed;right:16px;bottom:84px;z-index:60;width:56px;height:56px;border-radius:50%;background:#1EBE5D;color:#fff;display:flex;align-items:center;justify-content:center;box-shadow:0 6px 20px rgba(0,0,0,.25);text-decoration:none}
@media(min-width:960px){.wa-float{bottom:24px}}
.mobile-bar{position:fixed;left:0;right:0;bottom:0;z-index:55;display:flex;background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(11,36,71,.1)}
.mobile-bar a{flex:1;text-align:center;padding:13px 8px;font-weight:800;font-size:.95rem;text-decoration:none}
.mobile-bar .call{color:var(--navy)}
.mobile-bar .wa{background:#1EBE5D;color:#fff}
@media(min-width:960px){.mobile-bar{display:none}}

/* ============ FORMS ============ */
.lead-form input,.lead-form select,.lead-form textarea{width:100%;border:1px solid var(--line);border-radius:var(--radius-sm);padding:.75rem .9rem;font:inherit;margin-bottom:12px;background:#fff}
.trust-note{font-size:.82rem;color:var(--muted);display:flex;gap:6px;align-items:flex-start}

/* ============ ARCHIVE ============ */
.archive-head{padding:42px 0 8px}
.cat-pills{display:flex;flex-wrap:wrap;gap:8px;margin:14px 0 6px}
.cat-pills a{font-size:.83rem;font-weight:700;text-decoration:none;background:var(--surface);border:1px solid var(--line);color:var(--navy);border-radius:999px;padding:.35rem .9rem}
.cat-pills a:hover,.cat-pills a.active{background:var(--navy);color:#fff}
.pagination{margin:30px 0;display:flex;gap:8px;flex-wrap:wrap}
.pagination .page-numbers{padding:.4rem .8rem;border:1px solid var(--line);border-radius:8px;text-decoration:none;color:var(--navy)}
.pagination .current{background:var(--navy);color:#fff}