:root{
  --navy:#123A5F;
  --navy-d:#0C2A45;
  --blue:#3D8FD6;
  --red:#C8323F;
  --lime:#AFCE3C;
  --ink:#1F252B;
  --slate:#586470;
  --paper:#FCFBF9;
  --tint:#F2F4F6;
  --rule:#DEDBD5;
  --maxw:1140px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{
  margin:0;background:var(--paper);color:var(--ink);
  font-family:"Libre Franklin",-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;
  font-size:17px;line-height:1.62;-webkit-font-smoothing:antialiased;
}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
a{color:var(--navy)}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible,select:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
img{max-width:100%}
.skip{position:absolute;left:-9999px}
.skip:focus{left:24px;top:12px;background:#fff;padding:8px 14px;z-index:99;border-radius:4px}

/* ---------- Header ---------- */
header{background:#fff;border-bottom:1px solid var(--rule);position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;gap:22px;padding:14px 24px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.22rem;letter-spacing:-.02em;margin-right:auto}
.brand .mark{flex:none}
nav ul{display:flex;gap:26px;list-style:none;margin:0;padding:0;align-items:center}
nav a{text-decoration:none;color:var(--slate);font-weight:500;font-size:.96rem;padding:6px 0;display:block}
nav a:hover,nav a.on{color:var(--navy)}
nav a.on{box-shadow:inset 0 -2px 0 var(--red)}
.has-sub{position:relative}
.sub{display:none;position:absolute;top:100%;left:-16px;background:#fff;border:1px solid var(--rule);border-radius:5px;padding:8px 0;min-width:230px;flex-direction:column;gap:0;box-shadow:0 8px 24px rgba(18,58,95,.11)}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:flex}
.sub a{padding:8px 18px;font-size:.93rem}
.sub a:hover{background:var(--tint)}
.call{background:var(--navy);color:#fff;text-decoration:none;font-weight:600;padding:10px 18px;border-radius:4px;white-space:nowrap;font-size:.95rem}
.call:hover{background:var(--navy-d)}
.burger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.burger span{width:24px;height:2px;background:var(--ink);display:block}

/* ---------- Buttons ---------- */
.btn{display:inline-block;text-decoration:none;font-weight:600;padding:13px 26px;border-radius:4px;border:2px solid transparent;font-size:1rem;cursor:pointer;font-family:inherit}
.btn.primary{background:var(--red);color:#fff;border-color:var(--red)}
.btn.primary:hover{background:#A92635;border-color:#A92635}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.5)}
.btn.ghost:hover{border-color:#fff;background:rgba(255,255,255,.1)}
.btn.wide{display:block;text-align:center;width:100%}
.ctarow{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}

/* ---------- Hero ---------- */
.hero{background:var(--navy);color:#fff;padding:78px 0 72px}
.hgrid{display:grid;grid-template-columns:1.3fr .8fr;gap:60px;align-items:center}
.eyebrow{color:var(--lime);font-weight:600;margin:0 0 12px;font-size:1rem}
.hero h1{font-size:clamp(2.15rem,4.4vw,3.3rem);line-height:1.09;font-weight:800;letter-spacing:-.028em;margin:0 0 20px;max-width:16ch}
.lead{font-size:1.11rem;margin:0;max-width:56ch}
.hero .lead{color:#CDDCEA}
.panel{background:#fff;color:var(--ink);border-radius:6px;padding:28px;border-top:6px solid var(--lime)}
.plabel{font-size:.9rem;color:var(--slate);margin:0 0 14px;font-weight:600}
.facts{list-style:none;margin:0 0 22px;padding:0}
.facts li{padding:11px 0;border-bottom:1px solid var(--rule);font-size:.96rem;color:var(--slate)}
.facts li:last-child{border:0}
.facts b{color:var(--ink);font-weight:600}

/* ---------- Sections ---------- */
.pad{padding:74px 0}
.tint{background:var(--tint)}
h2{font-size:clamp(1.55rem,2.7vw,2.05rem);font-weight:800;letter-spacing:-.022em;margin:0 0 14px;line-height:1.2}
.sub{color:var(--slate);margin:0 0 36px}
.shead{display:flex;justify-content:space-between;align-items:baseline;gap:20px;margin-bottom:34px;flex-wrap:wrap}
.shead h2{margin:0}
.allink{font-weight:600;text-decoration:none;font-size:.96rem;border-bottom:2px solid var(--lime);padding-bottom:2px}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:var(--rule);border:1px solid var(--rule)}
.card{background:#fff;padding:28px 26px;text-decoration:none;color:inherit;display:block}
.card:hover{background:#fff;box-shadow:inset 4px 0 0 var(--blue)}
.card h3{margin:0 0 9px;font-size:1.1rem;color:var(--navy);font-weight:700}
.card p{margin:0 0 14px;color:var(--slate);font-size:.95rem}
.more{font-size:.88rem;font-weight:600;color:var(--red)}

.rows{border-top:1px solid var(--rule)}
.row{display:block;padding:24px 0;border-bottom:1px solid var(--rule);text-decoration:none;color:inherit}
.row:hover h3{color:var(--red)}
.row h3{margin:0 0 5px;font-size:1.18rem;color:var(--navy);font-weight:700}
.row p{margin:0;color:var(--slate);font-size:.98rem;max-width:72ch}

.quotes{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}
.quote{margin:0;background:#fff;padding:26px;border-radius:5px;border-left:4px solid var(--lime)}
.quote blockquote{margin:0 0 14px;font-family:"Source Serif 4",Georgia,serif;font-size:1.04rem;line-height:1.62}
.quote figcaption{font-weight:600;font-size:.92rem}
.quote figcaption span{color:var(--slate);font-weight:400;margin-left:8px}

/* ---------- Page head + article ---------- */
.phead{background:var(--tint);padding:52px 0;border-bottom:1px solid var(--rule)}
.phead h1{font-size:clamp(1.9rem,3.6vw,2.7rem);font-weight:800;letter-spacing:-.025em;margin:0 0 14px;line-height:1.13}
.phead .lead{color:var(--slate)}
.crumb{margin:0 0 10px;font-size:.9rem}
.crumb a{color:var(--slate)}

.article{display:grid;grid-template-columns:1fr 320px;gap:56px;align-items:start}
.prose{max-width:70ch}
.prose p{margin:0 0 20px}
.prose h2{font-size:1.35rem;margin:34px 0 12px}
.pull{font-family:"Source Serif 4",Georgia,serif;font-size:1.3rem;line-height:1.42;color:var(--navy);border-left:4px solid var(--lime);padding:4px 0 4px 20px;margin:30px 0}
.listintro{font-weight:600;margin-bottom:12px}
.checks{list-style:none;margin:0 0 22px;padding:0}
.checks li{padding:11px 0 11px 30px;border-bottom:1px solid var(--rule);position:relative;color:var(--slate)}
.checks li::before{content:"";position:absolute;left:2px;top:19px;width:9px;height:9px;background:var(--lime);border-radius:50%}

.side{position:sticky;top:96px;display:grid;gap:18px}
.sbox{background:#fff;border:1px solid var(--rule);border-radius:6px;padding:24px}
.sbox.alt{background:var(--tint)}
.snum{display:block;font-size:1.62rem;font-weight:800;color:var(--navy);text-decoration:none;letter-spacing:-.02em;margin-bottom:6px}
.shours{font-size:.88rem;color:var(--slate);margin:0 0 18px}
.sbox h4{margin:0 0 12px;font-size:.95rem;font-weight:700}
.sbox ul{list-style:none;margin:0;padding:0}
.sbox li{padding:7px 0;font-size:.93rem;border-bottom:1px solid var(--rule)}
.sbox li:last-child{border:0}
.sbox a{text-decoration:none}
.sbox a:hover{text-decoration:underline}
.plain li{border:0;padding:3px 0;color:var(--slate)}

/* ---------- Team ---------- */
.team{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.member{background:#fff;padding:28px;border-radius:6px}
.avatar{width:56px;height:56px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.15rem;margin-bottom:16px}
.member h3{margin:0 0 3px;font-size:1.1rem}
.role{margin:0 0 12px;color:var(--red);font-weight:600;font-size:.9rem}
.member p{margin:0;color:var(--slate);font-size:.96rem}

/* ---------- Form ---------- */
.form label{display:block;font-weight:600;font-size:.93rem;margin:0 0 6px}
.form input,.form textarea,.form select{width:100%;padding:12px 14px;border:1px solid var(--rule);border-radius:4px;font:inherit;font-size:1rem;margin-bottom:18px;background:#fff}
.form textarea{resize:vertical}
.f2{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.fine{font-size:.85rem;color:var(--slate);margin-top:16px}

/* ---------- CTA ---------- */
.cta{background:var(--navy);color:#fff;padding:64px 0;text-align:center}
.cta h2{color:#fff}
.cta p{color:#CDDCEA;max-width:56ch;margin:0 auto;font-size:1.06rem}
.cta .ctarow{justify-content:center}

/* ---------- Footer ---------- */
footer{background:var(--navy-d);color:#9EB2C4;padding:56px 0 28px;font-size:.93rem}
.fgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px}
.fbrand{display:flex;align-items:center;gap:10px;color:#fff;font-weight:800;font-size:1.15rem;margin-bottom:14px}
.fgrid p{margin:0;line-height:1.6}
footer h4{color:#fff;margin:0 0 14px;font-size:.95rem}
footer ul{list-style:none;margin:0;padding:0}
footer li{padding:5px 0}
footer a{color:#9EB2C4;text-decoration:none}
footer a:hover{color:#fff}
.fbot{border-top:1px solid rgba(255,255,255,.13);margin-top:44px;padding-top:22px;display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;font-size:.83rem;color:#7B92A7}
.legal{max-width:62ch}

/* ---------- Responsive ---------- */
@media (max-width:980px){
  .hgrid,.article{grid-template-columns:1fr;gap:38px}
  .side{position:static}
  .fgrid{grid-template-columns:1fr 1fr;gap:32px}
  .cards{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  .burger{display:flex}
  nav{order:3;width:100%;display:none}
  #navtoggle:checked ~ nav{display:block}
  nav ul{flex-direction:column;align-items:stretch;gap:0;padding-top:8px;border-top:1px solid var(--rule);margin-top:10px}
  nav li{border-bottom:1px solid var(--rule)}
  nav a{padding:12px 0}
  .sub{display:flex;position:static;border:0;box-shadow:none;padding:0 0 8px 14px;min-width:0}
  .has-sub > a{pointer-events:none}
  .brand{margin-right:auto}
  .hero{padding:52px 0}
  .pad{padding:52px 0}
  .cards,.quotes,.team,.f2{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
}

/* ================= v2 additions ================= */
.brand img{display:block;height:44px;width:auto}
.flogo{height:46px;width:auto;margin-bottom:14px;filter:brightness(0) invert(1) opacity(.92)}
.ico{width:20px;height:20px;flex:none}
.chev{width:11px;height:11px;margin-left:5px;opacity:.6}
.call{display:inline-flex;align-items:center;gap:8px}
.call svg{width:15px;height:15px}
nav .sub a{display:flex;align-items:center;gap:10px}
nav .sub .ico{color:var(--blue)}
.narrow{max-width:820px}
.small{font-size:.92rem;color:var(--slate);line-height:1.55}

/* reveal */
.rv{opacity:0;transform:translateY(14px);transition:opacity .5s ease,transform .5s ease}
.rv.in{opacity:1;transform:none}

/* trust bar */
.trust{background:var(--navy-d);color:#fff;padding:26px 0}
.tgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;text-align:center}
.tgrid b{display:block;font-size:1.5rem;font-weight:800;letter-spacing:-.02em;color:var(--lime)}
.tgrid span{font-size:.86rem;color:#A6BACB}

/* hero mini form */
.mini input,.mini select{width:100%;padding:11px 13px;border:1px solid var(--rule);border-radius:4px;font:inherit;font-size:.97rem;margin-bottom:11px;background:#fff}
.pfine{font-size:.8rem;color:var(--slate);margin:12px 0 0;text-align:center}

/* card icons */
.cico,.rico{display:grid;place-items:center;width:42px;height:42px;border-radius:6px;background:#EAF2FA;color:var(--navy);margin-bottom:14px}
.card:hover .cico{background:var(--navy);color:#fff}
.rico{margin:0 18px 0 0;flex:none}
.row{display:flex;align-items:flex-start}
.rtxt{display:block}

/* photo slots */
.ph{position:relative;border-radius:6px;overflow:hidden;background:linear-gradient(135deg,#123A5F 0%,#3D8FD6 100%);aspect-ratio:4/3;display:grid;place-items:center}
.ph img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.ph-fb{color:rgba(255,255,255,.9);font-weight:800;font-size:1.5rem;letter-spacing:.04em}
.ph-mark{width:74px;height:74px;background:url("assets/icon.png") center/contain no-repeat;opacity:.5;filter:grayscale(1) brightness(3)}
.ph.round{width:82px;height:82px;aspect-ratio:1;border-radius:50%;margin-bottom:16px}
.ph.round .ph-fb{font-size:1.2rem}
.ph.wide{aspect-ratio:16/7;margin-bottom:26px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:52px;align-items:center}

/* testimonials */
.stars{color:#E8A33D;letter-spacing:2px;font-size:.95rem;margin-bottom:10px}
.rating{margin-top:14px;font-size:.87rem}
.rating .stars{display:inline;margin-right:6px}

/* FAQ */
.faq{border-top:1px solid var(--rule)}
.fitem{border-bottom:1px solid var(--rule)}
.fq{width:100%;text-align:left;background:none;border:0;font:inherit;font-weight:600;font-size:1.03rem;padding:19px 40px 19px 0;cursor:pointer;position:relative;color:var(--ink)}
.fq:hover{color:var(--navy)}
.fx{position:absolute;right:6px;top:50%;width:13px;height:13px;margin-top:-6px}
.fx::before,.fx::after{content:"";position:absolute;background:var(--red);left:0;top:5px;width:13px;height:2.5px;border-radius:2px}
.fx::after{transform:rotate(90deg);transition:transform .22s ease}
.fq[aria-expanded="true"] .fx::after{transform:rotate(0)}
.ans{display:none;padding:0 0 20px}
.fq[aria-expanded="true"] + .ans{display:block}
.ans p{margin:0;color:var(--slate);max-width:74ch}

/* sidebar variants */
.sbox.lime{background:#F4F8E4;border-color:#DCE8B4}
.sbox.lime h4{margin-bottom:8px}
.sbox.lime p{margin:0 0 16px}
.btn.dark{background:var(--navy);color:#fff;border-color:var(--navy)}
.btn.dark:hover{background:var(--navy-d);border-color:var(--navy-d)}
.ilist li a{display:flex;align-items:center;gap:10px}
.ilist .ico{width:17px;height:17px;color:var(--blue)}
.pht{display:flex;align-items:center;gap:14px}
.pht .ico{width:30px;height:30px;color:var(--red);flex:none}
.pht h1{margin:0}

/* calculator */
.calc{background:#fff;border:1px solid var(--rule);border-radius:8px;padding:30px}
.cfield{margin-bottom:22px}
.cfield label{display:block;font-weight:600;font-size:.96rem;margin-bottom:8px}
.inp{display:flex;align-items:center;border:1px solid var(--rule);border-radius:5px;overflow:hidden;background:#fff}
.inp span{padding:0 12px;color:var(--slate);font-weight:600;background:var(--tint);align-self:stretch;display:grid;place-items:center;border-right:1px solid var(--rule)}
.inp input{border:0;padding:13px 14px;font:inherit;font-size:1.08rem;font-weight:600;width:100%;outline:none}
.hint{font-size:.85rem;color:var(--slate);margin:8px 0 0;line-height:1.5}
.cout{border-top:2px solid var(--navy);padding-top:20px;margin-top:28px}
.crow{display:flex;justify-content:space-between;gap:16px;padding:11px 0;border-bottom:1px solid var(--rule);font-size:.96rem}
.crow span{color:var(--slate)}
.crow b{font-weight:700;white-space:nowrap}
.verdict{margin-top:20px;padding:18px 20px;border-radius:6px;font-size:.97rem;line-height:1.6}
.verdict.good{background:#F1F7E3;border-left:4px solid var(--lime)}
.verdict.warn{background:#FDF0F1;border-left:4px solid var(--red)}
.verdict.neutral{background:var(--tint);border-left:4px solid var(--slate)}
.cfine{font-size:.86rem;color:var(--slate);line-height:1.55;margin:24px 0 20px;padding:14px 16px;background:var(--tint);border-radius:5px}

/* sticky mobile call bar */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;gap:1px;background:var(--rule)}
.callbar a{flex:2;text-align:center;padding:15px 8px;background:var(--red);color:#fff;text-decoration:none;font-weight:700;font-size:1rem}
.callbar a.alt{flex:1;background:var(--navy)}

@media (max-width:980px){.split{grid-template-columns:1fr;gap:30px}}
@media (max-width:760px){
  .tgrid{grid-template-columns:1fr 1fr;gap:22px;text-align:left}
  .callbar{display:flex}
  body{padding-bottom:54px}
  .calc{padding:20px}
  .crow{flex-direction:column;gap:2px}
  .brand img{height:38px}
  nav .sub .ico{display:none}
}

/* soft photographic background band */
.soft{background:#F7F7FD url("assets/bg-soft.jpg") center/cover no-repeat}
.ph.wide{aspect-ratio:16/9}
.prose .ph.wide{margin-bottom:28px}

/* dark banner page headers */
.phead{background:var(--navy-d) url("assets/banner.jpg") center/cover no-repeat;border-bottom:0;padding:64px 0;position:relative}
.phead::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(12,42,69,.94),rgba(12,42,69,.72))}
.phead .wrap{position:relative;z-index:1}
.phead h1{color:#fff}
.phead .lead{color:#CDDCEA}
.crumb a{color:#9EB2C4}
.crumb a:hover{color:#fff}
.pht .ico{color:var(--lime)}
.split.rev > div:first-child{order:2}
.split.rev > div:last-child{order:1}
@media (max-width:980px){
  .split.rev > div:first-child{order:1}
  .split.rev > div:last-child{order:2}
}

/* real logo assets — no filter hacks */
.flogo{height:44px;width:auto;margin-bottom:14px;filter:none}
.brand img{height:42px}

/* decorative accents from the original theme */
.hero{position:relative;overflow:hidden}
.hero::before{content:"";position:absolute;right:-40px;top:-30px;width:300px;height:215px;
  background:url("assets/shape-lines.png") center/contain no-repeat;opacity:.35;pointer-events:none}
.panel{position:relative;z-index:1}
.soft{position:relative}
.soft::before{content:"";position:absolute;left:0;bottom:0;width:230px;height:352px;
  background:url("assets/shape-dots.png") left bottom/contain no-repeat;opacity:.7;pointer-events:none}
.soft > .wrap{position:relative;z-index:1}
@media (max-width:760px){.hero::before,.soft::before{display:none}}


/* ---- consent block ---- */
.consent{margin:4px 0 20px;padding:16px 18px;background:var(--tint);border:1px solid var(--rule);border-radius:6px}
.cbox{display:flex;gap:12px;align-items:flex-start;cursor:pointer;font-weight:400;margin:0}
.cbox input{width:18px;height:18px;flex:none;margin:3px 0 0;accent-color:var(--blue)}
.cbox span{font-size:.8rem;line-height:1.55;color:var(--slate);font-weight:400}
.cbox a{color:var(--navy)}
.panel .consent{padding:12px 14px;margin-bottom:14px}
.panel .cbox span{font-size:.72rem;line-height:1.45}

/* ---- legal pages ---- */
.legal h2{font-size:1.15rem;margin:32px 0 10px;padding-top:20px;border-top:1px solid var(--rule)}
.legal h2:first-of-type{border-top:0;padding-top:0;margin-top:20px}
.legal h3{font-size:1rem;margin:20px 0 8px;color:var(--slate)}
.legal p{font-size:.97rem}