*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body { font-family: 'Segoe UI', Arial, sans-serif; color: #222; background: #fff; font-size: 16px; line-height: 1.7; }
img { max-width: 100%; display: block; }
a { color: #1a6fc4; text-decoration: none; }
a:hover { text-decoration: underline; }
ul { list-style: none; }

:root {
  --blue: #1a6fc4; --dark-blue: #0d4a8a; --green: #27ae60;
  --light-bg: #f4f8ff; --border: #dde4ef; --muted: #666;
  --radius: 8px; --shadow: 0 2px 16px rgba(26,111,196,0.10);
}

/* NAV */
.sticky-bar {
  position: fixed; top: 0; left: 0; right: 0; z-index: 1000;
  background: #ffffff;
  color: #1a1a1a;
  display: flex; align-items: center; justify-content: space-between;
  padding: 0 32px; height: 64px;
  box-shadow: 0 2px 12px rgba(0,0,0,0.10);
  border-bottom: 1px solid #e8edf5;
}
.sticky-bar .logo {
  display: flex;
  align-items: center;
  height: 100%;
  text-decoration: none;
}
.sticky-bar .logo img {
  height: 77px;
  width: auto;
  display: block;
  object-fit: contain;
}
.sticky-bar nav { display: flex; gap: 28px; align-items: center; }
.sticky-bar nav a { color: #333; font-size: 0.95rem; font-weight: 500; }
.sticky-bar nav a:hover { color: var(--blue); text-decoration: none; }
.sticky-bar nav a.active { color: var(--blue); font-weight: 700; }
.sticky-bar .cta-btn {
  background: var(--green); color: #fff !important;
  padding: 9px 22px; border-radius: 5px; font-weight: 700;
  font-size: 0.95rem;
}
.sticky-bar .cta-btn:hover { background: #1e8449; }

/* HERO */
.hero { margin-top: 64px; background: linear-gradient(135deg, #0d4a8a 60%, #1a6fc4 100%); color: #fff; padding: 80px 30px 60px; text-align: center; }
.hero h1 { font-size: 2.4rem; font-weight: 800; margin-bottom: 18px; line-height: 1.2; }
.hero p { font-size: 1.15rem; max-width: 680px; margin: 0 auto 30px; color: #cde; }
.hero-btns { display: flex; gap: 16px; justify-content: center; flex-wrap: wrap; }
.btn-primary { background: var(--green); color: #fff; padding: 14px 32px; border-radius: 5px; font-weight: 700; font-size: 1rem; border: none; cursor: pointer; display: inline-block; }
.btn-primary:hover { background: #1e8449; text-decoration: none; }
.btn-outline { background: transparent; color: #fff; padding: 14px 32px; border-radius: 5px; font-weight: 700; font-size: 1rem; border: 2px solid #fff; cursor: pointer; display: inline-block; }
.btn-outline:hover { background: rgba(255,255,255,0.1); text-decoration: none; }
.trust-badges { display: flex; gap: 20px; justify-content: center; flex-wrap: wrap; margin-top: 30px; }
.trust-badge { background: rgba(255,255,255,0.12); border-radius: 20px; padding: 6px 18px; font-size: 0.88rem; color: #e8f4ff; }

/* SECTIONS */
.section { padding: 60px 30px; max-width: 1100px; margin: 0 auto; }
.section-title { font-size: 1.9rem; font-weight: 800; color: var(--dark-blue); margin-bottom: 10px; }
.section-sub { color: var(--muted); font-size: 1.05rem; margin-bottom: 36px; }
.bg-light { background: var(--light-bg); }

/* CARDS */
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 24px; }
.card { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 28px 24px; box-shadow: var(--shadow); }
.card h3 { color: var(--blue); font-size: 1.2rem; margin-bottom: 10px; }
.card ul { padding-left: 18px; list-style: disc; color: var(--muted); font-size: 0.95rem; }
.card ul li { margin-bottom: 6px; }
.card .card-cta { display: inline-block; margin-top: 16px; background: var(--blue); color: #fff; padding: 9px 20px; border-radius: 4px; font-size: 0.9rem; font-weight: 600; }
.card .card-cta:hover { background: var(--dark-blue); text-decoration: none; }

/* WHY */
.why-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 20px; }
.why-item { text-align: center; padding: 24px 16px; background: #fff; border-radius: var(--radius); border: 1px solid var(--border); }
.why-icon { font-size: 2.2rem; margin-bottom: 10px; }
.why-item h4 { color: var(--dark-blue); font-size: 1rem; margin-bottom: 6px; }
.why-item p { color: var(--muted); font-size: 0.9rem; }

/* AREAS */
.areas-grid { display: flex; flex-wrap: wrap; gap: 12px; }
.area-tag { background: var(--blue); color: #fff; padding: 8px 20px; border-radius: 20px; font-size: 0.95rem; font-weight: 600; }

/* TESTIMONIALS */
.testimonials-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(280px, 1fr)); gap: 20px; }
.testimonial { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.stars { color: #f1c40f; font-size: 1.1rem; margin-bottom: 8px; }
.testimonial p { color: #444; font-size: 0.95rem; font-style: italic; margin-bottom: 12px; }
.testimonial .reviewer { font-weight: 700; color: var(--dark-blue); font-size: 0.9rem; }

/* FORMS */
.form-wrap { background: #fff; border: 1px solid var(--border); border-radius: var(--radius); padding: 36px; max-width: 680px; margin: 0 auto; box-shadow: var(--shadow); }
.form-wrap h2 { color: var(--dark-blue); margin-bottom: 6px; }
.form-wrap p { color: var(--muted); margin-bottom: 24px; }
.form-group { margin-bottom: 18px; }
.form-group label { display: block; font-weight: 600; margin-bottom: 6px; color: #333; font-size: 0.95rem; }
.form-group input, .form-group select, .form-group textarea {
  width: 100%; padding: 11px 14px; border: 1px solid #ccc; border-radius: 5px;
  font-size: 0.97rem; font-family: inherit; transition: border 0.2s;
}
.form-group input:focus, .form-group select:focus, .form-group textarea:focus {
  outline: none; border-color: var(--blue); box-shadow: 0 0 0 3px rgba(26,111,196,0.12);
}
.form-group textarea { min-height: 100px; resize: vertical; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.form-submit { background: var(--green); color: #fff; border: none; padding: 14px 36px; border-radius: 5px; font-size: 1rem; font-weight: 700; cursor: pointer; width: 100%; margin-top: 8px; }
.form-submit:hover { background: #1e8449; }

/* STEPS */
.steps { display: flex; gap: 0; margin-bottom: 36px; flex-wrap: wrap; }
.step { flex: 1; min-width: 120px; text-align: center; padding: 16px 10px; background: var(--light-bg); border: 1px solid var(--border); }
.step.active { background: var(--blue); color: #fff; }
.step-num { font-size: 1.4rem; font-weight: 800; }
.step-label { font-size: 0.82rem; margin-top: 4px; }

/* CTA BAND */
.cta-band { background: var(--dark-blue); color: #fff; text-align: center; padding: 50px 30px; }
.cta-band h2 { font-size: 2rem; margin-bottom: 12px; }
.cta-band p { color: #cde; margin-bottom: 24px; font-size: 1.05rem; }

/* PAGE HERO */
.page-hero { margin-top: 64px; background: linear-gradient(135deg, #0d4a8a 60%, #1a6fc4 100%); color: #fff; padding: 60px 30px 50px; text-align: center; }
.page-hero h1 { font-size: 2rem; font-weight: 800; margin-bottom: 12px; }
.page-hero p { font-size: 1.05rem; color: #cde; max-width: 600px; margin: 0 auto 20px; }

/* FOOTER */
footer { background: #0a2e5c; color: #aac; padding: 50px 30px 24px; }
.footer-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px, 1fr)); gap: 30px; max-width: 1100px; margin: 0 auto 30px; }
footer h4 { color: #fff; margin-bottom: 14px; font-size: 1rem; }
footer ul li { margin-bottom: 8px; }
footer ul li a { color: #aac; font-size: 0.9rem; }
footer ul li a:hover { color: #fff; }
footer p { font-size: 0.9rem; line-height: 1.8; }
.footer-bottom { text-align: center; border-top: 1px solid #1a3a6a; padding-top: 18px; font-size: 0.82rem; color: #778; max-width: 1100px; margin: 0 auto; }

/* RESPONSIVE */
@media (max-width: 768px) {
  .sticky-bar { padding: 0 16px; height: 56px; }
  .sticky-bar nav { display: none; }
  .sticky-bar .logo img { height: 36px; }
  .hero { margin-top: 56px; }
  .page-hero { margin-top: 56px; }
  .hero h1 { font-size: 1.7rem; }
  .form-row { grid-template-columns: 1fr; }
  .section { padding: 40px 20px; }
}