:root{--navy:#0b2444;--blue:#1464a5;--sky:#eaf5ff;--orange:#f28b22;--green:#138060;--ink:#162033;--muted:#5d6b7e;--line:#dce6f0;--soft:#f6f9fc;--shadow:0 22px 55px #0b244426}
*{box-sizing:border-box}body{margin:0;font-family:Inter,Segoe UI,Arial,sans-serif;color:var(--ink);line-height:1.6}
a{text-decoration:none;color:inherit}.wrap{max-width:1160px;margin:auto;padding:0 22px}
.top{position:sticky;top:0;background:#fffffff4;backdrop-filter:blur(12px);z-index:10;border-bottom:1px solid var(--line)}
.bar{background:var(--navy);color:white;font-size:14px}.bar .wrap{display:flex;justify-content:space-between;gap:15px;padding-top:8px;padding-bottom:8px}.bar a{font-weight:900;color:white}
nav{height:72px;display:flex;align-items:center;justify-content:space-between;gap:18px}
.logo{font-weight:900;color:var(--navy);display:flex;align-items:center;gap:14px}.logo img{height:48px;width:auto;background:white;border-radius:12px;padding:5px;box-shadow:0 8px 22px #0b244420}
.menu{display:flex;gap:20px;color:var(--muted);font-weight:800;font-size:14px}.menu a:hover{color:var(--blue)}
.hero{background:linear-gradient(135deg,#071a33,#0b4f87);color:white}.hero .wrap{min-height:680px;display:grid;grid-template-columns:1fr .82fr;gap:42px;align-items:start;padding-top:84px;padding-bottom:84px}
.hero .wrap>div:first-child{grid-column:1;grid-row:1 / span 2;align-self:center}
.eyebrow{margin:0 0 12px;color:var(--orange);font-weight:900;letter-spacing:.1em;text-transform:uppercase;font-size:13px}
h1,h2,h3{margin:0;line-height:1.08}h1{font-size:clamp(42px,6vw,72px);letter-spacing:-.05em}h2{font-size:clamp(31px,4vw,48px);letter-spacing:-.035em;color:var(--navy)}h3{font-size:22px;color:var(--navy)}
.hero p{font-size:20px;color:#d9e8f7}
.btns{display:flex;flex-wrap:wrap;gap:14px;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;border-radius:999px;padding:0 22px;font-weight:900;border:2px solid transparent}
.primary{background:var(--orange);color:var(--navy);box-shadow:0 14px 28px #f28b2242}.ghost{border-color:#ffffff66;color:white}.light{background:white;color:var(--navy)}.outline{border-color:#ffffff88;color:white}
.pills{display:flex;flex-wrap:wrap;gap:10px;padding:0;margin:26px 0 0;list-style:none}.pills li{background:#ffffff1f;border:1px solid #ffffff2e;border-radius:999px;padding:9px 13px;font-weight:800}
.quote{background:white;color:var(--ink);border-radius:24px;padding:30px;box-shadow:var(--shadow);display:grid;gap:13px;grid-column:2;grid-row:2;margin-top:18px}
.quote b{font-size:29px;line-height:1.1;color:var(--navy)}.quote p,.quote small{color:var(--muted)}
label{display:grid;gap:6px;color:var(--navy);font-weight:800;font-size:14px}input,select,textarea{width:100%;border:1px solid var(--line);border-radius:14px;min-height:48px;padding:0 14px;font:inherit}
.proof{display:grid;grid-template-columns:repeat(5,1fr);box-shadow:0 12px 40px #0b244412;border-radius:24px;overflow:hidden;background:#fff;margin-top:-6px;margin-bottom:42px}
.proof div{padding:24px 16px;border-right:1px solid var(--line);min-height:112px}.proof b,.proof span{display:block}.proof b{color:var(--navy);font-size:18px}.proof span{color:var(--muted);font-size:15px;font-weight:700;line-height:1.35}
.section{padding:86px 0;text-align:center}.section>p:not(.eyebrow){max-width:780px;margin:14px auto;color:var(--muted);font-size:18px}.muted{background:var(--soft)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:36px;text-align:left}
.card,.step,blockquote,.faq details{background:white;border:1px solid var(--line);border-radius:23px;padding:25px;box-shadow:0 14px 34px #0b24440f}
.card .ico{width:54px;height:54px;border-radius:18px;background:var(--sky);display:grid;place-items:center;font-size:26px;margin-bottom:16px}
.card p,.step p,.split p,.faq p{color:var(--muted)}.card a{font-weight:900;color:var(--blue)}
.image-card{padding:0;overflow:hidden}.image-card img{width:100%;height:190px;object-fit:cover;display:block}.image-card div{padding:22px}
.split{padding:86px 0;background:linear-gradient(180deg,white,#eef7ff)}.split .wrap{display:grid;grid-template-columns:1fr .8fr;gap:42px;align-items:center}
.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:22px}.checks span{background:white;border:1px solid var(--line);border-radius:14px;padding:13px;font-weight:800;display:flex;align-items:center;min-height:78px}
.dark{background:var(--navy);color:white;border-radius:24px;padding:28px;text-align:left;box-shadow:var(--shadow)}.dark h3{color:white}.dark li{margin-bottom:8px}
.steps{grid-template-columns:repeat(4,1fr)}.step b{width:42px;height:42px;border-radius:50%;display:grid;place-items:center;background:var(--orange);color:var(--navy);margin-bottom:15px}
.areas{display:flex;flex-wrap:wrap;justify-content:center;gap:12px;margin-top:25px}.areas a{background:var(--sky);color:var(--navy);font-weight:900;border-radius:999px;padding:12px 15px}
.reviews{background:var(--navy);color:white}.reviews h2{color:white}.reviews p{color:#d9e8f7}
.reviews .card{background:#fff;color:var(--ink);border-color:#dce6f0}.reviews .card h3{color:var(--navy)}.reviews .card p{color:var(--muted)!important}
.reviews .card:before{content:'';display:block;width:46px;height:5px;border-radius:99px;background:var(--orange);margin-bottom:18px}
.reviews .grid{align-items:stretch}
.faq{text-align:left}.faq details{margin-bottom:12px}.faq summary{cursor:pointer;font-weight:900;color:var(--navy)}.faq details[open] summary{margin-bottom:12px}
.cta{padding:76px 22px;text-align:center;background:linear-gradient(135deg,var(--blue),var(--navy));color:white}.cta h2{color:white}.cta p{color:#d9e8f7;font-size:18px}
footer{background:#071529;color:#d9e8f7;padding:44px 0 82px}footer .wrap{max-width:1160px}footer b{font-size:18px}footer p{color:#9ab4d4;font-size:15px;margin-top:8px}
.mobile{display:none;position:fixed;left:12px;right:12px;bottom:12px;background:var(--navy);border-radius:18px;box-shadow:var(--shadow);overflow:hidden;z-index:20}
.mobile a{flex:1;text-align:center;padding:13px 8px;color:white;font-weight:900;border-right:1px solid #ffffff26}.mobile a:last-child{background:var(--orange);color:var(--navy)}
.ok{color:var(--green)!important;font-weight:900}
.premium-band{background:#fff;padding:54px 0;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.premium-band .wrap{display:grid;grid-template-columns:.85fr 1.15fr;gap:34px;align-items:center}
.premium-band img{width:100%;height:260px;object-fit:cover;border-radius:26px;box-shadow:var(--shadow)}.premium-band h2{font-size:36px}
.carrier-strip{display:flex;gap:18px;align-items:center;justify-content:center;flex-wrap:wrap;margin-top:28px}
.carrier-strip img{height:42px;max-width:180px;object-fit:contain;background:white;border:1px solid var(--line);border-radius:14px;padding:8px 14px}
.visual-note{color:var(--muted);font-size:17px}
.photo-card{background:white;border-radius:28px;padding:14px;box-shadow:var(--shadow)}.photo-card img{width:100%;height:255px;object-fit:cover;border-radius:20px;display:block}
.float-card{position:absolute;left:18px;bottom:18px;background:white;color:var(--navy);border-radius:20px;padding:18px 20px;box-shadow:0 18px 45px #0b244433;max-width:240px}.float-card b{display:block;font-size:24px}
.hero-visual{position:relative;grid-column:2;grid-row:1}
.footer-grid{display:grid;grid-template-columns:1fr 1fr 1fr 1fr;gap:32px;padding-top:20px}
.footer-grid h4{color:white;font-size:14px;font-weight:900;text-transform:uppercase;letter-spacing:.05em;margin:0 0 14px}
.footer-grid a{display:block;color:#9ab4d4;font-size:14px;font-weight:600;padding:5px 0}
.footer-grid a:hover{color:white}
.footer-grid b{font-size:18px}
.menu-toggle{display:none;background:none;border:none;font-size:24px;color:var(--navy);cursor:pointer;padding:4px 8px}
.menu.open{display:flex;position:absolute;top:72px;left:0;right:0;background:white;flex-direction:column;padding:20px;border-bottom:1px solid var(--line);box-shadow:0 12px 30px #0b24441a;z-index:15}
.menu.open a{padding:10px 0;font-size:16px;color:var(--navy)}
@media(max-width:900px){.menu-toggle{display:block}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:640px){.footer-grid{grid-template-columns:1fr}}
/* Blog styles */
.article-hero{background:linear-gradient(135deg,#071a33,#0b4f87);color:white;padding:60px 0 48px}.article-hero .wrap{max-width:820px}.article-hero h1{color:white}.article-hero p{color:#d9e8f7;font-size:19px;margin-top:16px}
.breadcrumb{font-size:14px;font-weight:800;color:var(--muted);padding:18px 0;border-bottom:1px solid var(--line);background:var(--soft)}.breadcrumb a{color:var(--blue)}.breadcrumb span{color:var(--muted);margin:0 8px}
.article-body{padding:48px 0 64px}.article-body .wrap{max-width:820px}.article-body p{margin:16px 0;color:var(--muted);font-size:17px}.article-body ul,.article-body ol{color:var(--muted);font-size:17px;line-height:1.8;padding-left:24px}.article-body li{margin-bottom:10px}.article-body strong{color:var(--ink)}
.article-body h2{font-size:clamp(26px,3.5vw,38px);letter-spacing:-.03em;color:var(--navy);margin-top:48px}
.cta-card{background:linear-gradient(135deg,var(--blue),var(--navy));color:white;border-radius:24px;padding:32px;margin:40px 0;text-align:center}.cta-card h3{color:white;font-size:24px}.cta-card p{color:#d9e8f7;margin:12px 0 20px}
.compare-table{width:100%;border-collapse:collapse;margin:24px 0;font-size:16px}.compare-table th{background:var(--navy);color:white;padding:14px 16px;text-align:left;font-weight:900}.compare-table td{border:1px solid var(--line);padding:14px 16px;color:var(--muted)}.compare-table tr:nth-child(even) td{background:var(--soft)}
.checklist{background:var(--soft);border:1px solid var(--line);border-radius:20px;padding:28px;margin:28px 0}.checklist h3{margin-top:0}.checklist ul{list-style:none;padding:0;margin:0}.checklist li{padding:10px 0 10px 32px;position:relative;color:var(--ink);font-weight:600;font-size:16px}.checklist li:before{content:'\2713';position:absolute;left:0;color:var(--green);font-weight:900;font-size:18px}
.faq-section{padding:48px 0;background:var(--soft)}.faq-section .wrap{max-width:820px}.faq-section h2{text-align:center;margin-bottom:32px}
.callout{background:var(--sky);border-left:4px solid var(--blue);border-radius:12px;padding:20px 24px;margin:28px 0}.callout p{margin:0;color:var(--navy);font-weight:600}
.final-cta{padding:64px 22px;text-align:center;background:linear-gradient(135deg,var(--blue),var(--navy));color:white}.final-cta h2{color:white}.final-cta p{color:#d9e8f7;font-size:18px;margin:12px 0 24px}.final-cta .btns{display:flex;flex-wrap:wrap;gap:14px;justify-content:center}
.blog-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:32px}
.blog-card{background:white;border:1px solid var(--line);border-radius:23px;padding:28px;box-shadow:0 14px 34px #0b24440f;transition:box-shadow .2s}.blog-card:hover{box-shadow:0 18px 44px #0b24441a}
.blog-card .tag{display:inline-block;background:var(--sky);color:var(--blue);font-weight:900;font-size:13px;border-radius:999px;padding:5px 14px;margin-bottom:14px}
.blog-card h3{font-size:22px;line-height:1.25;margin-bottom:10px}.blog-card p{font-size:16px;line-height:1.55;margin-bottom:18px;color:var(--muted)}
.blog-card a.read-link{font-weight:900;color:var(--blue);font-size:15px}.blog-card a.read-link:after{content:' \2192';margin-left:4px}
.page-hero{background:linear-gradient(135deg,#071a33,#0b4f87);color:white;padding:60px 0 48px}.page-hero .wrap{max-width:820px}.page-hero h1{color:white}.page-hero p{color:#d9e8f7;font-size:19px;margin-top:16px}
.status{color:var(--green);font-weight:900}
@media(max-width:900px){.menu{display:none}.hero .wrap,.split .wrap{grid-template-columns:1fr}.hero .wrap>div:first-child,.hero-visual,.quote{grid-column:1;grid-row:auto}.quote{margin-top:0}.proof,.steps{grid-template-columns:repeat(2,1fr)}.grid{grid-template-columns:repeat(2,1fr)}.premium-band .wrap{grid-template-columns:1fr}.photo-card img{height:280px}.blog-grid{grid-template-columns:1fr}.compare-table{font-size:14px}.compare-table th,.compare-table td{padding:10px 8px}}
@media(max-width:640px){.bar .wrap{display:block}.hero .wrap{padding-top:58px}.btns,.pills{flex-direction:column}.btn{width:100%}.proof,.grid,.steps,.checks{grid-template-columns:1fr}.mobile{display:flex}footer{padding-bottom:94px}.compare-table{display:block;overflow-x:auto}}