*{margin:0;padding:0;box-sizing:border-box}
:root{--navy:#1a2a3a;--gold:#d4a843;--blue:#2c5282;--text:#374151;--bg:#f7f8fa;--white:#fff}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,sans-serif;color:var(--text);line-height:1.7}
a{color:var(--blue);text-decoration:none}
.container{max-width:1100px;margin:0 auto;padding:0 20px}
.text-center{text-align:center}
.mb-4{margin-bottom:2rem}

/* NAV */
.nav{background:var(--navy);padding:0;position:sticky;top:0;z-index:100;box-shadow:0 2px 12px rgba(0,0,0,.15)}
.nav-inner{max-width:1100px;margin:0 auto;padding:0 20px;display:flex;align-items:center;justify-content:space-between;height:64px}
.nav-logo{color:#fff;font-size:1.3rem;font-weight:700;text-decoration:none}
.nav-logo span{color:var(--gold)}
.nav-links{display:flex;align-items:center;gap:8px}
.nav-links a{color:rgba(255,255,255,.85);font-size:.88rem;padding:6px 12px;border-radius:6px;transition:background .2s}
.nav-links a:hover{background:rgba(255,255,255,.1);color:#fff}
.nav-cta{background:var(--gold)!important;color:var(--navy)!important;font-weight:600;padding:8px 18px!important;border-radius:8px!important}
.nav-toggle{display:none;background:none;border:none;cursor:pointer;padding:8px}
.nav-toggle span{display:block;width:24px;height:2px;background:#fff;margin:5px 0;border-radius:2px}

/* HERO */
.hero{background:linear-gradient(135deg,var(--navy) 0%,#2c3e50 100%);color:#fff;padding:80px 0 60px;text-align:center}
.hero h1{font-size:2.6rem;line-height:1.2;margin-bottom:16px;max-width:800px;margin-left:auto;margin-right:auto}
.hero p{font-size:1.15rem;opacity:.9;max-width:600px;margin:0 auto 28px}
.hero-buttons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* PAGE HERO */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,#2c3e50 100%);color:#fff;padding:50px 0 40px}
.page-hero h1{font-size:2.2rem;line-height:1.25;margin-bottom:12px}
.page-hero p{font-size:1.05rem;opacity:.9;max-width:650px}
.breadcrumb{font-size:.85rem;margin-bottom:12px;opacity:.7}
.breadcrumb a{color:var(--gold);text-decoration:none}

/* SECTIONS */
.section{padding:60px 0}
.section-gray{background:var(--bg)}

/* CARDS */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:28px;margin-top:32px}
.card{background:#fff;border-radius:14px;padding:32px 28px;box-shadow:0 2px 16px rgba(0,0,0,.06);border:1.5px solid #e5e7eb;transition:transform .2s,box-shadow .2s}
.card:hover{transform:translateY(-4px);box-shadow:0 8px 30px rgba(0,0,0,.1)}
.card h3{color:var(--navy);margin-bottom:8px;font-size:1.15rem}
.card p{font-size:.95rem;margin-bottom:16px;color:#555}
.card .btn{display:inline-block}

/* BUTTONS */
.btn{display:inline-block;padding:10px 24px;border-radius:8px;font-weight:600;font-size:.95rem;text-decoration:none;transition:all .2s;cursor:pointer;border:none}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover{background:#c49a35;transform:translateY(-1px)}
.btn-secondary{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.4)}
.btn-secondary:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.btn-outline{background:transparent;color:var(--blue);border:2px solid var(--blue)}
.btn-outline:hover{background:var(--blue);color:#fff}
.btn-lg{padding:14px 32px;font-size:1.05rem}
.btn-block{display:block;width:100%;text-align:center}

/* FORMS */
.inline-form{background:#fff;border-radius:16px;padding:36px 32px;box-shadow:0 4px 24px rgba(0,0,0,.08);border:1.5px solid #e5e7eb;position:sticky;top:80px}
.inline-form h3{margin-bottom:4px}
.inline-form .sub{color:#666;font-size:.92rem;margin-bottom:20px}
.form-group{margin-bottom:16px}
.form-group label{display:block;font-weight:600;font-size:.88rem;margin-bottom:4px;color:var(--navy)}
.form-group input,.form-group textarea,.form-group select{width:100%;padding:12px 14px;border:1.5px solid #d1d5db;border-radius:8px;font-size:1rem;font-family:inherit;transition:border-color .2s;-webkit-appearance:none;appearance:none}
.form-group input:focus,.form-group textarea:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(44,82,130,.1)}
.form-group textarea{min-height:80px;resize:vertical}
.form-trust{text-align:center;font-size:.82rem;color:#888;margin-top:10px}
.success-msg{display:none;text-align:center;padding:20px;font-size:1.05rem;color:#166534;background:#dcfce7;border-radius:10px;margin-top:12px}
.lead-form button[type="submit"]{margin-top:4px}

/* TRUST BAR */
.trust-bar{background:var(--bg);padding:20px 0;text-align:center;font-size:.9rem;color:#666;display:flex;justify-content:center;flex-wrap:wrap;gap:8px 32px}
.trust-bar span{display:inline-block}

/* TIP BOX */
.tip-box{background:#eff6ff;border-left:4px solid var(--blue);padding:20px 24px;border-radius:0 10px 10px 0;margin:20px 0}
.article-body{padding:0}

/* FAQ */
.faq-item{background:#fff;border-radius:10px;margin-bottom:12px;border:1.5px solid #e5e7eb;overflow:hidden}
.faq-q{padding:18px 24px;font-weight:600;cursor:pointer;display:flex;justify-content:space-between;align-items:center;color:var(--navy)}
.faq-a{padding:0 24px 18px;color:#555;font-size:.95rem}
.faq-icon{font-size:1.3rem;color:var(--gold)}

/* CTA */
.cta-section{background:linear-gradient(135deg,var(--navy) 0%,#2c3e50 100%);color:#fff;padding:60px 0;text-align:center}
.cta-section h2{color:#fff;margin-bottom:10px}
.cta-section p{opacity:.9;max-width:550px;margin:0 auto 24px}
.cta-buttons{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}

/* FOOTER */
footer{background:#111827;color:rgba(255,255,255,.75);padding:50px 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}
.footer-brand .logo{font-size:1.2rem;font-weight:700;color:#fff;margin-bottom:10px}
.footer-brand .logo span{color:var(--gold)}
.footer-brand p{font-size:.9rem;line-height:1.6}
footer h4{color:#fff;margin-bottom:14px;font-size:.95rem}
footer ul{list-style:none}
footer li{margin-bottom:8px}
footer a{color:rgba(255,255,255,.65);font-size:.88rem;text-decoration:none}
footer a:hover{color:var(--gold)}
.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding:20px 0;display:flex;justify-content:space-between;font-size:.82rem;color:rgba(255,255,255,.45)}

/* STICKY CTA */
.sticky-cta{position:fixed;bottom:0;left:0;right:0;background:var(--gold);text-align:center;padding:14px;z-index:99;display:none}
.sticky-cta a{color:var(--navy);font-weight:700;font-size:1rem;text-decoration:none}

/* TWO COL */
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:start}

/* RESPONSIVE */
@media(max-width:768px){
.nav-links{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:16px;gap:4px;box-shadow:0 8px 24px rgba(0,0,0,.2)}
.nav-links.open{display:flex}
.nav-toggle{display:block}
.hero h1{font-size:1.8rem}
.hero{padding:50px 0 40px}
.hero p{font-size:1rem;padding:0 10px}
.page-hero h1{font-size:1.6rem}
.page-hero{padding:36px 0 28px}
.page-hero p{font-size:.95rem}
.section{padding:40px 0}
.card-grid{grid-template-columns:1fr;gap:16px;margin-top:20px}
.card{padding:24px 20px}
.two-col{grid-template-columns:1fr!important;gap:32px!important}
.footer-grid{grid-template-columns:1fr 1fr;gap:24px}
.footer-bottom{flex-direction:column;gap:8px;text-align:center}
.hero-buttons{flex-direction:column;align-items:center}
.hero-buttons .btn{width:100%;max-width:320px;text-align:center}
.sticky-cta{display:block}
.inline-form{position:static;padding:28px 20px}
.trust-bar{flex-direction:column;gap:6px;padding:16px 20px;font-size:.85rem}
.cta-section{padding:40px 0}
.cta-buttons{flex-direction:column;align-items:center}
.cta-buttons .btn{width:100%;max-width:320px;text-align:center}
.faq-q{padding:14px 16px;font-size:.95rem}
.faq-a{padding:0 16px 14px;font-size:.9rem}
.tip-box{padding:16px 18px;font-size:.9rem}
.container{padding:0 16px}
}

/* SMALL PHONES */
@media(max-width:380px){
.hero h1{font-size:1.5rem}
.page-hero h1{font-size:1.35rem}
.nav-logo{font-size:1.1rem}
.btn-lg{padding:12px 24px;font-size:.95rem}
}