/* ===== RESET & BASE ===== */
*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:'Segoe UI',system-ui,-apple-system,sans-serif;color:#1e293b;background:#fff;line-height:1.7;font-size:16px}
img{max-width:100%;height:auto;display:block}
a{color:#0e7490;text-decoration:none;transition:color .2s}
a:hover{color:#0891b2}
ul,ol{list-style:none}
h1,h2,h3,h4,h5,h6{line-height:1.3;color:#0f172a;font-weight:700}
h1{font-size:clamp(2rem,4vw,3rem)}
h2{font-size:clamp(1.6rem,3vw,2.25rem)}
h3{font-size:clamp(1.2rem,2vw,1.5rem)}
p{margin-bottom:1rem}

/* ===== UTILITIES ===== */
.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:80px 0}
.section-sm{padding:50px 0}
.text-center{text-align:center}
.text-white{color:#fff}
.section-label{display:inline-block;font-size:.85rem;font-weight:600;color:#0e7490;text-transform:uppercase;letter-spacing:1.5px;margin-bottom:12px}
.section-title{margin-bottom:16px}
.section-subtitle{color:#475569;font-size:1.1rem;max-width:720px;margin:0 auto 40px}

/* ===== BUTTONS ===== */
.btn{display:inline-block;padding:14px 32px;border-radius:8px;font-weight:600;font-size:1rem;cursor:pointer;transition:all .25s;border:2px solid transparent;text-align:center}
.btn-primary{background:#0e7490;color:#fff;border-color:#0e7490}
.btn-primary:hover{background:#0891b2;border-color:#0891b2;color:#fff;transform:translateY(-2px);box-shadow:0 4px 14px rgba(14,116,144,.3)}
.btn-outline{background:transparent;color:#0e7490;border-color:#0e7490}
.btn-outline:hover{background:#0e7490;color:#fff;transform:translateY(-2px)}
.btn-white{background:#fff;color:#0e7490;border-color:#fff}
.btn-white:hover{background:#f0fdfa;transform:translateY(-2px)}
.btn-sm{padding:10px 24px;font-size:.9rem}
.btn+.btn{margin-left:12px}

/* ===== HEADER / NAV ===== */
.header{position:sticky;top:0;z-index:1000;background:rgba(255,255,255,.97);backdrop-filter:blur(8px);border-bottom:1px solid #e2e8f0;transition:box-shadow .3s}
.header.scrolled{box-shadow:0 2px 20px rgba(0,0,0,.08)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:0 24px;max-width:1280px;margin:0 auto;height:72px}
.logo{font-size:1.35rem;font-weight:800;color:#0e7490;display:flex;align-items:center;gap:8px}
.logo span{color:#64748b;font-weight:400;font-size:.85rem}
.nav-links{display:flex;align-items:center;gap:4px}
.nav-links a{padding:8px 14px;border-radius:6px;font-size:.92rem;font-weight:500;color:#334155;transition:all .2s}
.nav-links a:hover,.nav-links a.active{color:#0e7490;background:#f0fdfa}
.nav-cta{margin-left:8px}
.hamburger{display:none;flex-direction:column;gap:5px;cursor:pointer;padding:8px}
.hamburger span{width:24px;height:2.5px;background:#334155;border-radius:2px;transition:all .3s}

/* ===== DROPDOWN ===== */
.dropdown{position:relative}
.dropdown-menu{position:absolute;top:100%;left:0;background:#fff;border-radius:8px;box-shadow:0 10px 40px rgba(0,0,0,.1);padding:8px 0;min-width:260px;opacity:0;visibility:hidden;transform:translateY(8px);transition:all .25s}
.dropdown:hover .dropdown-menu{opacity:1;visibility:visible;transform:translateY(0)}
.dropdown-menu a{display:block;padding:10px 20px;font-size:.9rem;color:#334155}
.dropdown-menu a:hover{background:#f0fdfa;color:#0e7490}

/* ===== HERO ===== */
.hero{background:linear-gradient(135deg,#0c4a6e 0%,#0e7490 50%,#0d9488 100%);color:#fff;padding:100px 0 80px;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-50%;right:-20%;width:600px;height:600px;background:radial-gradient(circle,rgba(255,255,255,.06) 0%,transparent 70%);border-radius:50%}
.hero::after{content:'';position:absolute;bottom:-30%;left:-10%;width:400px;height:400px;background:radial-gradient(circle,rgba(255,255,255,.04) 0%,transparent 70%);border-radius:50%}
.hero .container{position:relative;z-index:1}
.hero h1{color:#fff;margin-bottom:20px;max-width:800px}
.hero p{font-size:1.2rem;color:rgba(255,255,255,.9);max-width:680px;margin-bottom:32px;line-height:1.8}
.hero-btns{display:flex;gap:16px;flex-wrap:wrap}

/* ===== PAGE HERO (inner pages) ===== */
.page-hero{background:linear-gradient(135deg,#0c4a6e 0%,#0e7490 100%);color:#fff;padding:60px 0 50px;text-align:center}
.page-hero h1{color:#fff;margin-bottom:12px}
.page-hero p{color:rgba(255,255,255,.85);font-size:1.1rem;max-width:600px;margin:0 auto}
.breadcrumb{display:flex;justify-content:center;gap:8px;margin-bottom:16px;font-size:.85rem;color:rgba(255,255,255,.7)}
.breadcrumb a{color:rgba(255,255,255,.8)}
.breadcrumb a:hover{color:#fff}

/* ===== CARDS ===== */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:32px}
.card{background:#fff;border-radius:12px;padding:36px 32px;border:1px solid #e2e8f0;transition:all .3s}
.card:hover{transform:translateY(-4px);box-shadow:0 12px 40px rgba(0,0,0,.08);border-color:#0e7490}
.card-icon{width:56px;height:56px;background:linear-gradient(135deg,#0e7490,#0d9488);border-radius:12px;display:flex;align-items:center;justify-content:center;margin-bottom:20px;color:#fff;font-size:1.5rem}
.card h3{margin-bottom:12px}
.card p{color:#475569;font-size:.95rem}
.card .btn{margin-top:16px}

/* ===== ICON LIST ===== */
.icon-list{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:20px;margin-top:24px}
.icon-list-item{display:flex;gap:14px;align-items:flex-start;padding:16px;border-radius:8px;transition:background .2s}
.icon-list-item:hover{background:#f8fafc}
.icon-list-item .il-icon{flex-shrink:0;width:40px;height:40px;background:#f0fdfa;border-radius:8px;display:flex;align-items:center;justify-content:center;color:#0e7490;font-size:1.1rem}
.icon-list-item h4{font-size:1rem;margin-bottom:4px;color:#0f172a}
.icon-list-item p{font-size:.9rem;color:#475569;margin:0}

/* ===== STEPS / PROCESS ===== */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:32px;counter-reset:step}
.step{text-align:center;position:relative;padding:24px 16px}
.step::before{counter-increment:step;content:counter(step);display:flex;align-items:center;justify-content:center;width:48px;height:48px;background:#0e7490;color:#fff;border-radius:50%;font-size:1.2rem;font-weight:700;margin:0 auto 16px}
.step h3{margin-bottom:8px;font-size:1.1rem}
.step p{color:#475569;font-size:.9rem}

/* ===== BENEFITS GRID ===== */
.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px}
.benefit{text-align:center;padding:32px 20px;border-radius:10px;background:#f8fafc;transition:all .3s}
.benefit:hover{background:#f0fdfa;transform:translateY(-2px)}
.benefit-icon{font-size:2rem;margin-bottom:12px;color:#0e7490}
.benefit h4{margin-bottom:6px}
.benefit p{font-size:.88rem;color:#475569;margin:0}

/* ===== WHO WE SERVE ===== */
.serve-grid{display:flex;flex-wrap:wrap;gap:16px;justify-content:center}
.serve-tag{padding:12px 24px;background:#f0fdfa;border:1px solid #ccfbf1;border-radius:50px;font-size:.95rem;color:#0e7490;font-weight:500;transition:all .2s}
.serve-tag:hover{background:#0e7490;color:#fff}

/* ===== FAQ ACCORDION ===== */
.faq-list{max-width:800px;margin:0 auto}
.faq-item{border:1px solid #e2e8f0;border-radius:10px;margin-bottom:12px;overflow:hidden;transition:border-color .2s}
.faq-item:hover{border-color:#0e7490}
.faq-q{padding:20px 24px;cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-weight:600;font-size:1rem;color:#0f172a;background:#fff;transition:background .2s}
.faq-q:hover{background:#f8fafc}
.faq-q::after{content:'+';font-size:1.4rem;color:#0e7490;font-weight:300;transition:transform .3s}
.faq-item.open .faq-q::after{transform:rotate(45deg)}
.faq-a{padding:0 24px;max-height:0;overflow:hidden;transition:all .35s ease;color:#475569;font-size:.95rem;line-height:1.7}
.faq-item.open .faq-a{padding:0 24px 20px;max-height:500px}

/* ===== CTA BANNER ===== */
.cta-banner{background:linear-gradient(135deg,#0c4a6e,#0e7490);color:#fff;padding:64px 0;text-align:center}
.cta-banner h2{color:#fff;margin-bottom:16px}
.cta-banner p{color:rgba(255,255,255,.85);max-width:600px;margin:0 auto 28px;font-size:1.1rem}

/* ===== CONTACT FORM ===== */
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:20px}
.form-group{display:flex;flex-direction:column}
.form-group.full{grid-column:1/-1}
.form-group label{font-size:.9rem;font-weight:600;color:#334155;margin-bottom:6px}
.form-group input,.form-group select,.form-group textarea{padding:12px 16px;border:1.5px solid #cbd5e1;border-radius:8px;font-size:1rem;font-family:inherit;transition:border-color .2s;background:#fff}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:#0e7490;box-shadow:0 0 0 3px rgba(14,116,144,.1)}
.form-group textarea{resize:vertical;min-height:120px}
.hp-field{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.form-status{padding:16px;border-radius:8px;margin-top:16px;display:none;font-weight:500}
.form-status.success{display:block;background:#f0fdf4;color:#166534;border:1px solid #bbf7d0}
.form-status.error{display:block;background:#fef2f2;color:#991b1b;border:1px solid #fecaca}
.contact-info-sidebar{background:#f8fafc;border-radius:12px;padding:36px;height:fit-content}
.contact-info-sidebar h3{margin-bottom:20px}
.ci-item{display:flex;gap:12px;align-items:flex-start;margin-bottom:20px}
.ci-item .ci-icon{flex-shrink:0;width:40px;height:40px;background:#f0fdfa;border-radius:8px;display:flex;align-items:center;justify-content:center;color:#0e7490}
.ci-item h4{font-size:.95rem;margin-bottom:2px}
.ci-item p{font-size:.9rem;color:#475569;margin:0}

/* ===== CONTENT SECTIONS ===== */
.content-section{padding:60px 0}
.content-section h2{margin-bottom:20px}
.content-section p,.content-section li{color:#475569;line-height:1.8}
.content-section ul{padding-left:20px;margin-bottom:16px}
.content-section ul li{position:relative;padding-left:20px;margin-bottom:8px}
.content-section ul li::before{content:'';position:absolute;left:0;top:10px;width:8px;height:8px;background:#0e7490;border-radius:50%}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}

/* ===== FOOTER ===== */
.footer{background:#0f172a;color:#94a3b8;padding:64px 0 0}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:40px;margin-bottom:48px}
.footer h4{color:#fff;font-size:1rem;margin-bottom:16px}
.footer p{font-size:.9rem;margin-bottom:8px}
.footer a{color:#94a3b8;font-size:.9rem;display:block;padding:4px 0;transition:color .2s}
.footer a:hover{color:#0891b2}
.footer-brand{font-size:1.25rem;font-weight:700;color:#fff;margin-bottom:12px}
.footer-bottom{border-top:1px solid #1e293b;padding:24px 0;text-align:center}
.footer-bottom p{font-size:.82rem;color:#64748b;margin:0}
.footer-disclaimer{font-size:.78rem;color:#64748b;font-style:italic;max-width:800px;margin:0 auto;padding:16px 0 0;line-height:1.6}

/* ===== RESPONSIVE ===== */
@media(max-width:1024px){
  .footer-grid{grid-template-columns:1fr 1fr}
  .two-col{grid-template-columns:1fr}
}
@media(max-width:768px){
  .nav-links{position:fixed;top:72px;left:0;right:0;background:#fff;flex-direction:column;padding:20px;box-shadow:0 10px 40px rgba(0,0,0,.1);transform:translateY(-120%);transition:transform .3s;z-index:999;gap:0}
  .nav-links.open{transform:translateY(0)}
  .nav-links a{padding:12px 16px;width:100%;border-radius:0;border-bottom:1px solid #f1f5f9}
  .nav-cta{margin-left:0;margin-top:8px;width:100%}
  .hamburger{display:flex}
  .dropdown-menu{position:static;box-shadow:none;opacity:1;visibility:visible;transform:none;padding:0 0 0 16px}
  .hero{padding:60px 0}
  .hero-btns{flex-direction:column}
  .hero-btns .btn{width:100%;text-align:center}
  .btn+.btn{margin-left:0;margin-top:8px}
  .section{padding:50px 0}
  .card-grid{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .form-group.full{grid-column:1}
  .footer-grid{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
}
@media(max-width:480px){
  .steps{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr}
  .nav{padding:0 16px}
  h1{font-size:1.75rem}
}

/* ===== LEGAL PAGES ===== */
.legal-content{max-width:800px;margin:0 auto;padding:60px 24px}
.legal-content h1{margin-bottom:8px}
.legal-content .last-updated{color:#64748b;font-size:.9rem;margin-bottom:32px}
.legal-content h2{font-size:1.3rem;margin-top:32px;margin-bottom:12px;color:#0f172a}
.legal-content p{color:#475569}
.legal-content ul{margin-bottom:16px;padding-left:20px}
.legal-content ul li{padding-left:20px;position:relative;margin-bottom:6px;color:#475569}
.legal-content ul li::before{content:'';position:absolute;left:0;top:10px;width:6px;height:6px;background:#0e7490;border-radius:50%}

/* ===== TRUST / INTRO ===== */
.trust-intro{background:#f8fafc;border-left:4px solid #0e7490;padding:24px 32px;border-radius:0 8px 8px 0;margin:40px 0;font-size:1.05rem;color:#334155;line-height:1.8}

/* ===== HIGHLIGHT BOX ===== */
.highlight-box{background:#f0fdfa;border:1px solid #ccfbf1;border-radius:12px;padding:32px;margin:32px 0}
.highlight-box h3{color:#0e7490;margin-bottom:12px}