:root {
  --brand: #193785;
  --brand-dark: #10254d;
  --accent: #d99a2b;
  --bg-light: #f5f7fb;
  --text: #26324a;
  --text-light: #5a6478;
  --white: #ffffff;
  --radius: 10px;
  --shadow: 0 4px 18px rgba(25, 55, 133, 0.08);
}

* { box-sizing: border-box; }

body {
  margin: 0;
  font-family: 'Segoe UI', Arial, Helvetica, sans-serif;
  color: var(--text);
  background: var(--white);
  line-height: 1.6;
}

a { color: var(--brand); text-decoration: none; }
a:hover { text-decoration: underline; }

img { max-width: 100%; display: block; }

.container {
  max-width: 1140px;
  margin: 0 auto;
  padding: 0 24px;
}

/* Top bar */
.topbar {
  background: var(--brand-dark);
  color: var(--white);
  font-size: 0.85rem;
  text-align: center;
  padding: 8px 12px;
}
.topbar a { color: var(--white); font-weight: 600; }

/* Header */
header.site-header {
  background: var(--white);
  box-shadow: 0 1px 0 rgba(0,0,0,0.06);
  position: sticky;
  top: 0;
  z-index: 50;
}
.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 16px 0;
  flex-wrap: wrap;
  gap: 12px;
}
.logo {
  font-size: 1.3rem;
  font-weight: 800;
  color: var(--brand);
}
.logo span { color: var(--accent); }

nav.main-nav > ul {
  list-style: none;
  display: flex;
  gap: 28px;
  margin: 0;
  padding: 0;
  flex-wrap: wrap;
}
nav.main-nav > ul > li {
  position: relative;
}
nav.main-nav a {
  color: var(--text);
  font-weight: 600;
  font-size: 0.95rem;
}
nav.main-nav a:hover { color: var(--brand); text-decoration: none; }

.dropdown-menu {
  display: none;
  position: absolute;
  top: 100%;
  left: 0;
  background: var(--white);
  box-shadow: var(--shadow);
  border-radius: var(--radius);
  padding: 10px 0;
  min-width: 220px;
  list-style: none;
  margin: 6px 0 0;
}
nav.main-nav li.open .dropdown-menu { display: block; }
.dropdown-menu li a {
  display: block;
  padding: 8px 18px;
  font-weight: 500;
  white-space: nowrap;
}

.header-cta {
  display: flex;
  align-items: center;
  gap: 14px;
}
.btn {
  display: inline-block;
  padding: 12px 22px;
  border-radius: 30px;
  font-weight: 700;
  font-size: 0.95rem;
  border: 2px solid transparent;
  cursor: pointer;
}
.btn-primary {
  background: var(--accent);
  color: var(--brand-dark);
}
.btn-primary:hover { background: #c78a1f; text-decoration: none; }
.btn-outline {
  background: transparent;
  border-color: var(--brand);
  color: var(--brand);
}
.btn-outline:hover { background: var(--brand); color: var(--white); text-decoration: none; }
.phone-link {
  font-weight: 700;
  color: var(--brand);
}

/* Hero */
.hero {
  background: linear-gradient(135deg, var(--brand) 0%, var(--brand-dark) 100%);
  color: var(--white);
  padding: 64px 0;
}
.hero-inner {
  display: flex;
  align-items: center;
  gap: 40px;
  flex-wrap: wrap;
}
.hero-text { flex: 1 1 420px; }
.hero-text h1 {
  font-size: 2.3rem;
  line-height: 1.25;
  margin: 0 0 16px;
}
.hero-text p {
  font-size: 1.1rem;
  color: #dbe3f7;
  margin-bottom: 28px;
}
.hero-buttons { display: flex; gap: 16px; flex-wrap: wrap; }

.check-list {
  list-style: none;
  display: flex;
  flex-wrap: wrap;
  gap: 10px 20px;
  padding: 0;
  margin: 0 0 20px;
}
.check-list li {
  font-size: 0.88rem;
  font-weight: 600;
  color: #dbe3f7;
}
.check-list li::before {
  content: "✓ ";
  color: var(--accent);
  font-weight: 800;
}

.compare-grid {
  display: grid;
  grid-template-columns: repeat(2, 1fr);
  gap: 24px;
  max-width: 800px;
  margin: 0 auto;
}
.compare-col {
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.compare-col h3 { margin-top: 0; text-align: center; }
.compare-col ul { list-style: none; padding: 0; margin: 0; }
.compare-col li { padding: 8px 0; font-weight: 600; }
.compare-col--yes { background: #eef4ff; border: 1px solid #c7d6f5; }
.compare-col--yes h3 { color: var(--brand-dark); }
.compare-col--no { background: #fbeeee; border: 1px solid #f0cccc; }
.compare-col--no h3 { color: #8a2f2f; }
@media (max-width: 640px) {
  .compare-grid { grid-template-columns: 1fr; }
}
.hero-image { flex: 1 1 320px; }
.hero-image img { border-radius: var(--radius); box-shadow: var(--shadow); }

/* Trust bar */
.trust-bar {
  background: var(--bg-light);
  padding: 32px 0;
  border-bottom: 1px solid #e6e9f2;
}
.trust-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 24px;
  text-align: center;
  max-width: 640px;
  margin: 0 auto;
}
.trust-grid .stat-number {
  font-size: 1.8rem;
  font-weight: 800;
  color: var(--brand);
}
.trust-grid .stat-label {
  font-size: 0.9rem;
  color: var(--text-light);
}

/* Section generic */
section { padding: 64px 0; }
.section-title {
  text-align: center;
  font-size: 1.8rem;
  color: var(--brand-dark);
  margin-bottom: 12px;
}
.section-subtitle {
  text-align: center;
  color: var(--text-light);
  max-width: 640px;
  margin: 0 auto 40px;
}

/* Cards */
.card-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 28px;
}
.card-grid.cols-2 { grid-template-columns: repeat(2, 1fr); }
.card {
  background: var(--white);
  border: 1px solid #e6e9f2;
  border-radius: var(--radius);
  padding: 28px;
  box-shadow: var(--shadow);
}
.card h3 { color: var(--brand-dark); margin-top: 0; }
.card p { color: var(--text-light); }

/* Carriers */
.carrier-strip {
  background: var(--bg-light);
  padding: 40px 0;
}
.carrier-strip ul {
  list-style: none;
  display: flex;
  justify-content: center;
  gap: 40px;
  flex-wrap: wrap;
  padding: 0;
  font-weight: 700;
  color: var(--brand-dark);
}

.carrier-list {
  list-style: none;
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 10px 28px;
  padding: 0;
  margin: 0 auto;
  max-width: 980px;
}
.carrier-list li {
  font-weight: 600;
  font-size: 0.92rem;
  color: var(--brand-dark);
  padding: 6px 0;
  border-bottom: 1px solid #e2e6f0;
}
@media (max-width: 720px) {
  .carrier-list { grid-template-columns: 1fr; }
}

/* Testimonials */
.testimonial {
  background: var(--white);
  border-left: 4px solid var(--accent);
  border-radius: var(--radius);
  padding: 24px;
  box-shadow: var(--shadow);
}
.testimonial p.quote { font-style: italic; margin-top: 0; }
.testimonial .author { font-weight: 700; color: var(--brand-dark); }

.placeholder-note {
  display: inline-block;
  background: #fff3cd;
  color: #7a5c00;
  border: 1px dashed #d99a2b;
  border-radius: 6px;
  padding: 10px 14px;
  font-size: 0.88rem;
  margin: 8px 0;
}

/* Accordion (Quick Start Guide) */
.accordion-item {
  border: 1px solid #e6e9f2;
  border-radius: var(--radius);
  margin-bottom: 16px;
  overflow: hidden;
}
.accordion-header {
  background: var(--bg-light);
  padding: 18px 22px;
  font-weight: 700;
  color: var(--brand-dark);
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.accordion-body {
  padding: 20px 22px;
}
.accordion-body ul { margin: 12px 0; padding-left: 20px; }

/* FAQ list */
.faq-item {
  border-bottom: 1px solid #e6e9f2;
  padding: 20px 0;
}
.faq-item h3 { margin: 0 0 8px; color: var(--brand-dark); }

/* Contact form */
.contact-wrap {
  background: var(--bg-light);
}
.contact-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 40px;
}
form.lead-form {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 32px;
}
form.lead-form label {
  display: block;
  font-weight: 600;
  font-size: 0.9rem;
  margin: 14px 0 6px;
}
form.lead-form input,
form.lead-form select,
form.lead-form textarea {
  width: 100%;
  padding: 10px 12px;
  border: 1px solid #cfd6e4;
  border-radius: 6px;
  font-size: 0.95rem;
  font-family: inherit;
}
form.lead-form .btn { margin-top: 20px; width: 100%; }

.location-card {
  background: var(--white);
  border-radius: var(--radius);
  box-shadow: var(--shadow);
  padding: 24px;
  margin-bottom: 20px;
}
.location-card h4 { margin: 0 0 6px; color: var(--brand-dark); }
.map-embed {
  width: 100%;
  height: 180px;
  border: 0;
  border-radius: 8px;
  margin-top: 12px;
}

/* Footer */
footer.site-footer {
  background: var(--brand-dark);
  color: #cfd6e4;
  padding: 48px 0 24px;
}
.footer-grid {
  display: grid;
  grid-template-columns: 2fr 1fr 1fr;
  gap: 32px;
  margin-bottom: 32px;
}
.footer-grid h4 { color: var(--white); margin-top: 0; }
.footer-grid ul { list-style: none; padding: 0; margin: 0; }
.footer-grid li { margin-bottom: 8px; }
.footer-grid a { color: #cfd6e4; }
.footer-grid a:hover { color: var(--white); }
.footer-bottom {
  border-top: 1px solid rgba(255,255,255,0.15);
  padding-top: 20px;
  font-size: 0.82rem;
  color: #9fabc7;
  text-align: center;
}
.footer-disclosure {
  font-size: 0.78rem;
  color: #8b97b8;
  max-width: 900px;
  margin: 0 auto 16px;
  text-align: center;
}

/* Page header for interior pages */
.page-header {
  background: var(--bg-light);
  padding: 40px 0;
  text-align: center;
}
.page-header h1 { color: var(--brand-dark); margin: 0; }

/* Responsive */
@media (max-width: 860px) {
  nav.main-nav > ul { display: none; }
  .card-grid { grid-template-columns: 1fr; }
  .card-grid.cols-2 { grid-template-columns: 1fr; }
  .trust-grid { grid-template-columns: 1fr; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr; }
  .hero-inner { flex-direction: column; }
}