:root {
  --navy: #16283f;
  --navy-light: #1f3a5c;
  --accent: #e8862e;
  --accent-dark: #c96f1e;
  --bg: #f7f5f0;
  --card: #ffffff;
  --text: #2b2b2b;
  --muted: #6b7280;
  --line: #e5e0d5;
  --green: #2e7d4f;
  --radius: 10px;
}

* { margin: 0; padding: 0; box-sizing: border-box; }

body {
  font-family: "Segoe UI", system-ui, -apple-system, Arial, sans-serif;
  color: var(--text);
  background: var(--bg);
  line-height: 1.65;
}

.container { max-width: 1080px; margin: 0 auto; padding: 0 20px; }

/* ---------- Header ---------- */
.site-header {
  background: var(--navy);
  color: #fff;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,.25);
}
.header-inner {
  display: flex; align-items: center; justify-content: space-between;
  padding: 14px 20px; max-width: 1080px; margin: 0 auto;
}
.brand { color: #fff; text-decoration: none; font-size: 1.25rem; font-weight: 800; }
.brand span { color: var(--accent); }
.main-nav { display: flex; gap: 4px; align-items: center; }
.main-nav a {
  color: #dbe4f0; text-decoration: none; padding: 8px 12px;
  border-radius: 6px; font-size: .95rem;
}
.main-nav a:hover { background: var(--navy-light); color: #fff; }
.main-nav a.nav-cta {
  background: var(--accent); color: #fff; font-weight: 700; margin-left: 8px;
}
.main-nav a.nav-cta:hover { background: var(--accent-dark); }
.menu-toggle {
  display: none; background: none; border: none; color: #fff;
  font-size: 1.6rem; cursor: pointer;
}

/* ---------- Hero ---------- */
.hero {
  background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%);
  color: #fff; padding: 64px 0;
}
.hero h1 { font-size: 2.4rem; line-height: 1.2; margin-bottom: 14px; }
.hero p.lead { font-size: 1.15rem; color: #cdd8e8; max-width: 640px; margin-bottom: 24px; }
.hero-grid { display: grid; grid-template-columns: 1.2fr .8fr; gap: 40px; align-items: center; }
.hero-badges { display: flex; gap: 16px; flex-wrap: wrap; margin-top: 18px; font-size: .9rem; color: #cdd8e8; }
.hero-badges strong { color: #fff; }

/* ---------- Quote form card ---------- */
.quote-card {
  background: var(--card); color: var(--text);
  border-radius: var(--radius); padding: 26px;
  box-shadow: 0 10px 30px rgba(0,0,0,.3);
}
.quote-card h3 { margin-bottom: 4px; font-size: 1.25rem; }
.quote-card p.sub { color: var(--muted); font-size: .9rem; margin-bottom: 16px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.field { margin-bottom: 12px; }
.field label { display: block; font-size: .85rem; font-weight: 600; margin-bottom: 4px; }
.field input, .field select, .field textarea {
  width: 100%; padding: 10px 12px; border: 1px solid var(--line);
  border-radius: 6px; font-size: .95rem; font-family: inherit; background: #fff;
}
.field input:focus, .field select:focus, .field textarea:focus {
  outline: 2px solid var(--accent); border-color: var(--accent);
}
.btn {
  display: inline-block; background: var(--accent); color: #fff;
  border: none; padding: 13px 28px; font-size: 1rem; font-weight: 700;
  border-radius: 6px; cursor: pointer; text-decoration: none; text-align: center;
}
.btn:hover { background: var(--accent-dark); }
.btn-block { width: 100%; }
.form-note { font-size: .78rem; color: var(--muted); margin-top: 10px; text-align: center; }
.form-success {
  display: none; background: #e8f5ec; border: 1px solid var(--green);
  color: var(--green); border-radius: 6px; padding: 16px; text-align: center;
  font-weight: 600;
}

/* ---------- Sections ---------- */
.section { padding: 56px 0; }
.section h2 { font-size: 1.8rem; margin-bottom: 10px; color: var(--navy); }
.section .section-sub { color: var(--muted); margin-bottom: 28px; max-width: 720px; }
.section.alt { background: #fff; }

.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); gap: 20px; }
.card {
  background: var(--card); border: 1px solid var(--line);
  border-radius: var(--radius); padding: 24px;
}
.card h3 { color: var(--navy); margin-bottom: 8px; font-size: 1.15rem; }
.card p { color: var(--muted); font-size: .95rem; }
.card .icon { font-size: 1.8rem; margin-bottom: 10px; }

.steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 20px; counter-reset: step; }
.step { position: relative; padding: 20px 20px 20px 64px; background: var(--card); border: 1px solid var(--line); border-radius: var(--radius); }
.step::before {
  counter-increment: step; content: counter(step);
  position: absolute; left: 18px; top: 18px;
  width: 34px; height: 34px; border-radius: 50%;
  background: var(--accent); color: #fff; font-weight: 800;
  display: flex; align-items: center; justify-content: center;
}
.step h3 { font-size: 1.05rem; color: var(--navy); margin-bottom: 6px; }
.step p { font-size: .92rem; color: var(--muted); }

/* ---------- Article layout ---------- */
.article-hero { background: var(--navy); color: #fff; padding: 48px 0; }
.article-hero h1 { font-size: 2rem; line-height: 1.25; margin-bottom: 10px; max-width: 800px; }
.article-hero p { color: #cdd8e8; max-width: 720px; }
.article-body { display: grid; grid-template-columns: 1fr 320px; gap: 40px; padding: 44px 0; align-items: start; }
.article-content h2 { color: var(--navy); font-size: 1.5rem; margin: 32px 0 12px; }
.article-content h3 { color: var(--navy); font-size: 1.15rem; margin: 22px 0 8px; }
.article-content p { margin-bottom: 14px; }
.article-content ul, .article-content ol { margin: 0 0 16px 22px; }
.article-content li { margin-bottom: 8px; }
.key-stat {
  background: #fff8ef; border-left: 4px solid var(--accent);
  padding: 16px 20px; border-radius: 0 8px 8px 0; margin: 20px 0;
}
.key-stat strong { color: var(--navy); }
table.cost-table { width: 100%; border-collapse: collapse; margin: 18px 0; font-size: .93rem; background: #fff; }
table.cost-table th, table.cost-table td { border: 1px solid var(--line); padding: 10px 12px; text-align: left; }
table.cost-table th { background: var(--navy); color: #fff; }
table.cost-table tr:nth-child(even) td { background: #faf8f3; }

details.faq { background: #fff; border: 1px solid var(--line); border-radius: 8px; margin-bottom: 10px; }
details.faq summary { padding: 14px 18px; font-weight: 700; color: var(--navy); cursor: pointer; list-style: none; }
details.faq summary::-webkit-details-marker { display: none; }
details.faq summary::before { content: "+ "; color: var(--accent); font-weight: 800; }
details.faq[open] summary::before { content: "– "; }
details.faq .faq-body { padding: 0 18px 16px; color: var(--muted); }

.sidebar .quote-card { position: sticky; top: 90px; box-shadow: 0 4px 16px rgba(0,0,0,.12); }
.toc { background: #fff; border: 1px solid var(--line); border-radius: 8px; padding: 18px; margin-bottom: 20px; }
.toc h4 { color: var(--navy); margin-bottom: 8px; font-size: .95rem; }
.toc a { display: block; color: var(--muted); text-decoration: none; font-size: .88rem; padding: 3px 0; }
.toc a:hover { color: var(--accent-dark); }

/* ---------- CTA banner ---------- */
.cta-banner {
  background: linear-gradient(135deg, var(--accent) 0%, var(--accent-dark) 100%);
  color: #fff; border-radius: var(--radius); padding: 40px;
  display: grid; grid-template-columns: 1fr auto; gap: 24px; align-items: center;
  margin: 40px 0;
}
.cta-banner h2 { color: #fff; margin-bottom: 8px; }
.cta-banner p { opacity: .95; }
.cta-banner .btn { background: #fff; color: var(--accent-dark); }
.cta-banner .btn:hover { background: #f3ede0; }

/* ---------- Footer ---------- */
.site-footer { background: var(--navy); color: #aeb9cb; padding: 44px 0 24px; font-size: .9rem; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 28px; margin-bottom: 28px; }
.site-footer h4 { color: #fff; margin-bottom: 10px; font-size: 1rem; }
.site-footer a { color: #aeb9cb; text-decoration: none; display: block; padding: 3px 0; }
.site-footer a:hover { color: #fff; }
.footer-bottom { border-top: 1px solid var(--navy-light); padding-top: 18px; display: flex; justify-content: space-between; flex-wrap: wrap; gap: 10px; font-size: .82rem; }

/* ---------- Responsive ---------- */
@media (max-width: 860px) {
  .hero-grid { grid-template-columns: 1fr; }
  .article-body { grid-template-columns: 1fr; }
  .sidebar .quote-card { position: static; }
  .cta-banner { grid-template-columns: 1fr; text-align: center; }
  .menu-toggle { display: block; }
  .main-nav {
    display: none; position: absolute; top: 100%; left: 0; right: 0;
    background: var(--navy); flex-direction: column; align-items: stretch; padding: 10px 20px 18px;
  }
  .main-nav.open { display: flex; }
  .main-nav a.nav-cta { margin: 8px 0 0; text-align: center; }
  .hero h1 { font-size: 1.9rem; }
  .form-row { grid-template-columns: 1fr; }
}