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

    :root {
      --navy: #1a2744;
      --navy-light: #243354;
      --navy-dark: #111c33;
      --blue: #2563eb;
      --blue-dark: #1d4ed8;
      --blue-light: #dbeafe;
      --gold: #d4a853;
      --gold-light: #e8c97a;
      --green: #16a34a;
      --white: #ffffff;
      --off-white: #f8f9fb;
      --gray-100: #f3f4f6;
      --gray-200: #e5e7eb;
      --gray-300: #d1d5db;
      --gray-500: #6b7280;
      --gray-600: #4b5563;
      --gray-700: #374151;
      --gray-800: #1f2937;
      --gray-900: #111827;
      --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
      --shadow: 0 1px 3px rgba(0,0,0,0.1), 0 1px 2px rgba(0,0,0,0.06);
      --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1), 0 2px 4px -1px rgba(0,0,0,0.06);
      --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1), 0 4px 6px -2px rgba(0,0,0,0.05);
      --radius: 8px;
      --radius-lg: 12px;
    }

    html { scroll-behavior: smooth; font-size: 16px; }
    body {
      font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, 'Helvetica Neue', Arial, sans-serif;
      color: var(--gray-800); line-height: 1.6; background: var(--white);
      -webkit-font-smoothing: antialiased;
    }
    a { color: var(--blue); text-decoration: none; transition: color 0.2s; }
    a:hover { color: var(--blue-dark); }
    .container { max-width: 1140px; margin: 0 auto; padding: 0 24px; }

    /* ===== TOP BAR ===== */
    .top-bar { background: var(--navy-dark); color: rgba(255,255,255,0.85); padding: 8px 0; font-size: 0.8125rem; }
    .top-bar .container { display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 8px; }
    .top-bar a { color: var(--gold-light); font-weight: 500; }
    .top-bar a:hover { color: var(--gold); }

    /* ===== HEADER ===== */
    header { background: var(--white); border-bottom: 1px solid var(--gray-200); position: sticky; top: 0; z-index: 100; box-shadow: var(--shadow-sm); }
    header .container { display: flex; justify-content: space-between; align-items: center; padding-top: 12px; padding-bottom: 12px; }
    .logo { font-size: 1.25rem; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }
    .logo span { color: var(--blue); }
    nav { display: flex; align-items: center; gap: 4px; }
    nav a { color: var(--gray-700); font-weight: 500; font-size: 0.9rem; padding: 8px 12px; border-radius: var(--radius); transition: background 0.2s; }
    nav a:hover { background: var(--gray-100); color: var(--navy); }
    nav a.active { color: var(--blue); }
    .nav-cta { background: var(--blue) !important; color: var(--white) !important; font-weight: 600 !important; padding: 10px 18px !important; }
    .nav-cta:hover { background: var(--blue-dark) !important; }
    .mobile-menu-btn { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: var(--navy); padding: 8px; }

    /* ===== BUTTONS ===== */
    .btn { display: inline-flex; align-items: center; gap: 8px; padding: 14px 28px; border-radius: var(--radius); font-weight: 600; font-size: 1.0625rem; cursor: pointer; border: none; transition: all 0.2s; text-decoration: none; }
    .btn-primary { background: var(--blue); color: var(--white); box-shadow: 0 4px 14px rgba(37,99,235,0.3); }
    .btn-primary:hover { background: var(--blue-dark); color: var(--white); transform: translateY(-1px); }
    .btn-gold { background: var(--gold); color: var(--navy); box-shadow: 0 4px 14px rgba(212,168,83,0.3); }
    .btn-gold:hover { background: var(--gold-light); color: var(--navy); transform: translateY(-1px); }
    .btn-outline { background: transparent; color: var(--white); border: 2px solid rgba(255,255,255,0.4); }
    .btn-outline:hover { border-color: var(--white); color: var(--white); }
    .btn-white { background: var(--white); color: var(--navy); }
    .btn-white:hover { background: var(--gray-100); color: var(--navy); }
    .btn-sm { padding: 10px 20px; font-size: 0.9375rem; }

    /* ===== HERO ===== */
    .hero { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); color: var(--white); padding: 80px 0 90px; position: relative; overflow: hidden; }
    .hero::after { content: ''; position: absolute; inset: 0; background: url("data:image/svg+xml,%3Csvg width='60' height='60' viewBox='0 0 60 60' xmlns='http://www.w3.org/2000/svg'%3E%3Cg fill='none' fill-rule='evenodd'%3E%3Cg fill='%23ffffff' fill-opacity='0.02'%3E%3Cpath d='M36 34v-4h-2v4h-4v2h4v4h2v-4h4v-2h-4zm0-30V0h-2v4h-4v2h4v4h2V6h4V4h-4zM6 34v-4H4v4H0v2h4v4h2v-4h4v-2H6zM6 4V0H4v4H0v2h4v4h2V6h4V4H6z'/%3E%3C/g%3E%3C/g%3E%3C/svg%3E"); }
    .hero .container { position: relative; z-index: 1; }
    .hero-content { max-width: 680px; }
    .hero h1 { font-size: 2.75rem; font-weight: 800; line-height: 1.15; margin-bottom: 16px; letter-spacing: -0.02em; }
    .hero h1 .highlight { color: var(--gold); }
    .hero .subtitle { font-size: 1.25rem; color: rgba(255,255,255,0.85); margin-bottom: 32px; line-height: 1.5; }
    .hero-ctas { display: flex; gap: 16px; flex-wrap: wrap; margin-bottom: 40px; }
    .trust-row { display: flex; gap: 24px; flex-wrap: wrap; }
    .trust-badge { display: flex; align-items: center; gap: 8px; font-size: 0.9375rem; color: rgba(255,255,255,0.9); }
    .trust-badge .icon { width: 20px; height: 20px; background: var(--gold); border-radius: 50%; display: flex; align-items: center; justify-content: center; font-size: 0.7rem; color: var(--navy); flex-shrink: 0; font-weight: 700; }

    /* ===== SECTIONS ===== */
    section { padding: 80px 0; }
    .section-gray { background: var(--off-white); }
    .section-dark { background: var(--navy); color: var(--white); }
    .section-header { text-align: center; max-width: 640px; margin: 0 auto 56px; }
    .section-header .label { display: inline-block; background: rgba(37,99,235,0.1); color: var(--blue); padding: 4px 14px; border-radius: 20px; font-size: 0.8125rem; font-weight: 600; text-transform: uppercase; letter-spacing: 0.05em; margin-bottom: 12px; }
    .section-dark .label { background: rgba(212,168,83,0.2); color: var(--gold); }
    .section-header h2 { font-size: 2rem; font-weight: 800; color: var(--gray-900); margin-bottom: 12px; letter-spacing: -0.02em; }
    .section-dark .section-header h2 { color: var(--white); }
    .section-header p { font-size: 1.0625rem; color: var(--gray-500); }
    .section-dark .section-header p { color: rgba(255,255,255,0.7); }

    /* ===== CARDS ===== */
    .grid-3 { display: grid; grid-template-columns: repeat(auto-fit, minmax(300px, 1fr)); gap: 24px; }
    .grid-4 { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px, 1fr)); gap: 32px; }
    .card { background: var(--white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 32px; transition: box-shadow 0.3s, transform 0.2s; }
    .card:hover { box-shadow: var(--shadow-lg); transform: translateY(-2px); }
    .card-icon { width: 48px; height: 48px; background: var(--blue-light); border-radius: var(--radius); display: flex; align-items: center; justify-content: center; font-size: 1.5rem; margin-bottom: 16px; }
    .card h3 { font-size: 1.25rem; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .card p { color: var(--gray-600); font-size: 0.9375rem; margin-bottom: 16px; }
    .card ul { list-style: none; margin-bottom: 20px; }
    .card ul li { padding: 4px 0; font-size: 0.9375rem; color: var(--gray-600); display: flex; align-items: flex-start; gap: 8px; }
    .card ul li::before { content: '✓'; color: var(--green); font-weight: 700; flex-shrink: 0; }

    /* ===== WHY US ===== */
    .why-item { text-align: center; padding: 24px 16px; }
    .why-icon { width: 64px; height: 64px; background: var(--blue-light); border-radius: 50%; display: flex; align-items: center; justify-content: center; margin: 0 auto 16px; font-size: 1.75rem; }
    .why-item h3 { font-size: 1.125rem; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .why-item p { font-size: 0.9375rem; color: var(--gray-500); }

    /* ===== STEPS ===== */
    .steps { display: grid; grid-template-columns: repeat(auto-fit, minmax(220px, 1fr)); gap: 32px; counter-reset: step; }
    .step { text-align: center; padding: 24px 16px; counter-increment: step; }
    .step::before { content: counter(step); display: flex; width: 48px; height: 48px; background: var(--blue); color: var(--white); border-radius: 50%; align-items: center; justify-content: center; font-size: 1.25rem; font-weight: 800; margin: 0 auto 16px; }
    .step h3 { font-size: 1.0625rem; font-weight: 700; color: var(--gray-900); margin-bottom: 8px; }
    .step p { font-size: 0.9375rem; color: var(--gray-500); }

    /* ===== BANNER ===== */
    .banner { background: linear-gradient(135deg, #1e40af 0%, #3b82f6 100%); color: var(--white); border-radius: var(--radius-lg); padding: 48px; display: flex; align-items: center; justify-content: space-between; gap: 32px; flex-wrap: wrap; }
    .banner h3 { font-size: 1.5rem; font-weight: 700; margin-bottom: 8px; }
    .banner p { color: rgba(255,255,255,0.85); max-width: 520px; }

    /* ===== FAQ ===== */
    .faq-list { max-width: 720px; margin: 0 auto; }
    .faq-item { border-bottom: 1px solid var(--gray-200); padding: 20px 0; }
    .faq-question { font-size: 1.0625rem; font-weight: 600; color: var(--gray-900); cursor: pointer; display: flex; justify-content: space-between; align-items: center; gap: 16px; background: none; border: none; width: 100%; text-align: left; padding: 0; line-height: 1.5; font-family: inherit; }
    .faq-question::after { content: '+'; font-size: 1.5rem; color: var(--blue); flex-shrink: 0; transition: transform 0.2s; }
    .faq-item.active .faq-question::after { content: '−'; }
    .faq-answer { max-height: 0; overflow: hidden; transition: max-height 0.3s ease, padding 0.3s ease; }
    .faq-item.active .faq-answer { max-height: 400px; padding-top: 12px; }
    .faq-answer p { color: var(--gray-600); font-size: 0.9375rem; line-height: 1.7; }

    /* ===== CTA SECTION ===== */
    .cta-section { background: var(--navy); padding: 80px 0; text-align: center; color: var(--white); }
    .cta-section h2 { font-size: 2.25rem; font-weight: 800; margin-bottom: 12px; letter-spacing: -0.02em; }
    .cta-section > .container > p { font-size: 1.125rem; color: rgba(255,255,255,0.7); margin-bottom: 32px; max-width: 500px; margin-left: auto; margin-right: auto; }
    .cta-phone { font-size: 2.5rem; font-weight: 800; color: var(--gold); display: block; margin-bottom: 8px; }
    .cta-phone:hover { color: var(--gold-light); }
    .cta-email { font-size: 1.125rem; color: rgba(255,255,255,0.7); display: block; margin-bottom: 28px; }
    .cta-email a { color: rgba(255,255,255,0.7); }
    .cta-email a:hover { color: var(--white); }
    .cta-details { display: flex; justify-content: center; gap: 48px; flex-wrap: wrap; margin-top: 40px; font-size: 0.9375rem; color: rgba(255,255,255,0.7); }
    .cta-details div { text-align: center; }
    .cta-details strong { display: block; color: var(--white); margin-bottom: 4px; }

    /* ===== FOOTER ===== */
    footer { background: var(--gray-900); color: var(--gray-300); padding: 48px 0 24px; font-size: 0.875rem; }
    .footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 48px; margin-bottom: 32px; }
    footer h4 { color: var(--white); font-size: 0.9375rem; margin-bottom: 16px; }
    footer a { color: var(--gray-300); }
    footer a:hover { color: var(--white); }
    footer ul { list-style: none; }
    footer ul li { margin-bottom: 8px; }
    .footer-bottom { border-top: 1px solid rgba(255,255,255,0.1); padding-top: 24px; display: flex; justify-content: space-between; align-items: center; flex-wrap: wrap; gap: 12px; }

    /* ===== MOBILE STICKY CTA ===== */
    .mobile-cta { display: none; position: fixed; bottom: 0; left: 0; right: 0; z-index: 200; box-shadow: 0 -4px 12px rgba(0,0,0,0.15); }
    .mobile-cta-inner { display: flex; }
    .mobile-cta-inner a { flex: 1; padding: 14px; text-align: center; font-weight: 700; font-size: 1rem; display: flex; align-items: center; justify-content: center; gap: 6px; }
    .mobile-cta-call { background: var(--blue); color: var(--white); }
    .mobile-cta-email { background: var(--navy); color: var(--gold-light); }

    /* ===== PAGE HEADER (inner pages) ===== */
    .page-header { background: linear-gradient(135deg, var(--navy) 0%, var(--navy-light) 100%); color: var(--white); padding: 56px 0; }
    .page-header h1 { font-size: 2.25rem; font-weight: 800; margin-bottom: 12px; letter-spacing: -0.02em; }
    .page-header p { font-size: 1.125rem; color: rgba(255,255,255,0.8); max-width: 600px; }
    .breadcrumb { font-size: 0.875rem; color: rgba(255,255,255,0.5); margin-bottom: 16px; }
    .breadcrumb a { color: rgba(255,255,255,0.5); }
    .breadcrumb a:hover { color: var(--white); }

    /* ===== CONTENT (inner pages) ===== */
    .content-section { padding: 64px 0; }
    .content-grid { display: grid; grid-template-columns: 2fr 1fr; gap: 48px; }
    .content-main h2 { font-size: 1.5rem; font-weight: 700; color: var(--gray-900); margin-bottom: 12px; margin-top: 40px; }
    .content-main h2:first-child { margin-top: 0; }
    .content-main p { color: var(--gray-600); margin-bottom: 16px; font-size: 1rem; line-height: 1.7; }
    .content-main ul, .content-main ol { margin-bottom: 16px; padding-left: 20px; }
    .content-main li { color: var(--gray-600); margin-bottom: 8px; font-size: 1rem; line-height: 1.6; }
    .sidebar-box { background: var(--off-white); border: 1px solid var(--gray-200); border-radius: var(--radius-lg); padding: 28px; margin-bottom: 24px; }
    .sidebar-box h3 { font-size: 1.125rem; font-weight: 700; color: var(--gray-900); margin-bottom: 12px; }
    .sidebar-box p { font-size: 0.9375rem; color: var(--gray-600); margin-bottom: 12px; }
    .sidebar-box ul { list-style: none; }
    .sidebar-box ul li { padding: 6px 0; font-size: 0.9375rem; }
    .sidebar-box ul li a { display: flex; align-items: center; gap: 8px; }
    .sidebar-cta { background: var(--navy); border: none; color: var(--white); }
    .sidebar-cta h3 { color: var(--gold); }
    .sidebar-cta p { color: rgba(255,255,255,0.8); }
    .sidebar-cta .cta-phone-sm { font-size: 1.5rem; font-weight: 800; color: var(--gold); display: block; margin-bottom: 8px; }
    .sidebar-cta .cta-phone-sm:hover { color: var(--gold-light); }

    /* ===== RESOURCE LINKS ===== */
    .resource-links { background: var(--white); border: 2px solid var(--blue-light); border-radius: var(--radius-lg); padding: 28px; margin: 24px 0; }
    .resource-links h3 { font-size: 1.125rem; font-weight: 700; color: var(--navy); margin-bottom: 16px; display: flex; align-items: center; gap: 8px; }
    .resource-links ul { list-style: none; }
    .resource-links ul li { padding: 8px 0; border-bottom: 1px solid var(--gray-100); font-size: 0.9375rem; }
    .resource-links ul li:last-child { border-bottom: none; }
    .resource-links ul li a { display: flex; align-items: center; gap: 8px; font-weight: 500; }
    .resource-links ul li a::before { content: '→'; color: var(--blue); font-weight: 700; }
    .resource-links .note { font-size: 0.875rem; color: var(--gray-500); margin-top: 12px; font-style: italic; }

    /* ===== RESPONSIVE ===== */
    @media (max-width: 768px) {
      .top-bar .container { justify-content: center; text-align: center; }
      .top-bar .hide-mobile { display: none; }
      nav { display: none; }
      .mobile-menu-btn { display: block; }
      nav.open { display: flex; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: var(--white); border-bottom: 1px solid var(--gray-200); box-shadow: var(--shadow-lg); padding: 16px; z-index: 99; }
      .hero { padding: 48px 0 56px; }
      .hero h1 { font-size: 2rem; }
      .hero .subtitle { font-size: 1.0625rem; }
      section { padding: 56px 0; }
      .section-header { margin-bottom: 40px; }
      .section-header h2 { font-size: 1.625rem; }
      .trust-row { gap: 12px; }
      .trust-badge { font-size: 0.8125rem; }
      .grid-3 { grid-template-columns: 1fr; }
      .grid-4 { grid-template-columns: repeat(2, 1fr); gap: 24px; }
      .steps { grid-template-columns: 1fr 1fr; }
      .banner { padding: 32px 24px; text-align: center; justify-content: center; }
      .cta-phone { font-size: 1.75rem; }
      .cta-section h2 { font-size: 1.75rem; }
      .footer-grid { grid-template-columns: 1fr; gap: 32px; }
      .footer-bottom { justify-content: center; text-align: center; }
      .mobile-cta { display: block; }
      footer { padding-bottom: 72px; }
      .content-grid { grid-template-columns: 1fr; }
      .page-header h1 { font-size: 1.75rem; }
    }
    @media (max-width: 480px) {
      .hero h1 { font-size: 1.625rem; }
      .hero-ctas .btn { width: 100%; justify-content: center; }
      .grid-4 { grid-template-columns: 1fr; }
      .steps { grid-template-columns: 1fr; }
    }