:root {
  --navy: #071a43;
  --navy-soft: #0d2e6e;
  --blue: #123fa4;
  --red: #ef1824;
  --red-dark: #c90e18;
  --ink: #101522;
  --muted: #5e6676;
  --line: #dfe3ea;
  --surface: #f4f6fa;
  --white: #ffffff;
  --shadow: 0 20px 55px rgba(7, 26, 67, .12);
  --container: min(1160px, calc(100% - 40px));
}

* { box-sizing: border-box; }
html { scroll-behavior: smooth; scroll-padding-top: 88px; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Inter, ui-sans-serif, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif; font-size: 1rem; line-height: 1.65; }
body.menu-open { overflow: hidden; }
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration: none; }
button, input, select, textarea { font: inherit; }
.container { width: var(--container); margin-inline: auto; }
.section { padding: 112px 0; }
.skip-link { position: fixed; top: -100px; left: 16px; z-index: 1000; padding: 12px 18px; background: var(--white); color: var(--navy); border-radius: 8px; box-shadow: var(--shadow); }
.skip-link:focus { top: 16px; }
.scroll-progress { position: fixed; z-index: 200; top: 0; left: 0; right: 0; height: 3px; pointer-events: none; }
.scroll-progress span { display: block; width: 100%; height: 100%; background: linear-gradient(90deg, var(--blue), var(--red)); transform: scaleX(0); transform-origin: left center; will-change: transform; }

.site-header { position: fixed; z-index: 100; inset: 0 0 auto; height: 84px; background: rgba(255,255,255,.96); border-bottom: 1px solid rgba(7,26,67,.08); backdrop-filter: blur(16px); transition: height .3s ease, box-shadow .3s ease, background .3s ease; }
.site-header.scrolled { height: 72px; background: rgba(255,255,255,.985); box-shadow: 0 12px 34px rgba(7,26,67,.1); }
.nav-wrap { height: 100%; display: flex; align-items: center; justify-content: space-between; gap: 30px; }
.brand { width: 194px; height: 66px; display: flex; align-items: center; overflow: hidden; transition: width .3s ease; }
.site-header.scrolled .brand { width: 172px; }
.brand img { width: 100%; height: auto; }
.site-nav { display: flex; align-items: center; gap: 30px; font-size: .92rem; font-weight: 650; color: #313847; }
.site-nav a:not(.nav-cta) { position: relative; }
.site-nav a:not(.nav-cta)::after { content: ""; position: absolute; left: 0; right: 100%; bottom: -7px; height: 2px; background: var(--red); transition: right .2s ease; }
.site-nav a:hover::after, .site-nav a:focus-visible::after { right: 0; }
.nav-cta { position: relative; overflow: hidden; background: var(--red); color: var(--white); padding: 11px 18px; border-radius: 6px; box-shadow: 0 8px 20px rgba(239,24,36,.22); }
.nav-cta::before, .button::before { content: ""; position: absolute; top: -50%; left: -80%; width: 40%; height: 200%; background: linear-gradient(90deg, transparent, rgba(255,255,255,.3), transparent); transform: skewX(-20deg); transition: left .65s ease; }
.nav-cta:hover::before, .button:hover::before { left: 135%; }
.nav-cta:hover { background: var(--red-dark); }
.menu-toggle { display: none; width: 44px; height: 44px; border: 0; background: transparent; padding: 9px; cursor: pointer; }
.menu-toggle span { display: block; height: 2px; margin: 6px 0; background: var(--navy); transition: transform .2s, opacity .2s; }

.hero { position: relative; min-height: 780px; padding: 188px 0 100px; display: grid; align-items: center; overflow: hidden; background: var(--navy); color: var(--white); }
.hero-image, .hero-overlay { position: absolute; inset: 0; width: 100%; height: 100%; }
.hero-image { object-fit: cover; object-position: 57% center; transform: scale(1.045) translate3d(0, var(--hero-shift, 0), 0); will-change: transform; transition: transform 1.8s cubic-bezier(.2,.7,.2,1); }
.hero.hero-ready .hero-image { transform: scale(1) translate3d(0, var(--hero-shift, 0), 0); }
.hero-overlay { background: linear-gradient(90deg, rgba(3,15,45,.94) 0%, rgba(3,15,45,.84) 36%, rgba(3,15,45,.28) 66%, rgba(3,15,45,.08) 100%); }
.hero::after { content: ""; position: absolute; width: 430px; height: 430px; left: -240px; bottom: -210px; border: 80px solid rgba(239,24,36,.55); border-radius: 50%; }
.hero-content { position: relative; z-index: 2; }
.hero-content > * { opacity: 0; transform: translateY(26px); transition: opacity .75s ease, transform .75s cubic-bezier(.2,.75,.2,1); }
.hero.hero-ready .hero-content > * { opacity: 1; transform: translateY(0); }
.hero.hero-ready .hero-content > :nth-child(2) { transition-delay: .08s; }
.hero.hero-ready .hero-content > :nth-child(3) { transition-delay: .16s; }
.hero.hero-ready .hero-content > :nth-child(4) { transition-delay: .24s; }
.hero.hero-ready .hero-content > :nth-child(5) { transition-delay: .34s; }
.eyebrow, .section-kicker { margin: 0 0 18px; color: var(--red); font-size: .78rem; line-height: 1.3; font-weight: 800; letter-spacing: .13em; text-transform: uppercase; }
.hero h1 { max-width: 700px; margin: 0; font-size: clamp(3.2rem, 6vw, 6.1rem); line-height: .98; letter-spacing: -.055em; }
.hero-copy { max-width: 660px; margin: 28px 0 0; color: rgba(255,255,255,.84); font-size: 1.17rem; line-height: 1.7; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 14px; margin-top: 38px; }
.button { position: relative; overflow: hidden; min-height: 52px; display: inline-flex; align-items: center; justify-content: center; padding: 13px 24px; border: 1px solid transparent; border-radius: 6px; font-weight: 750; cursor: pointer; transition: transform .2s, background .2s, box-shadow .2s; }
.button:hover { transform: translateY(-2px); }
.button-primary { background: var(--red); color: var(--white); box-shadow: 0 12px 26px rgba(239,24,36,.28); }
.button-primary:hover { background: var(--red-dark); }
.button-ghost { border-color: rgba(255,255,255,.44); color: var(--white); background: rgba(255,255,255,.06); }
.button-ghost:hover { background: rgba(255,255,255,.14); }
.trust-row { display: flex; flex-wrap: wrap; gap: 16px 28px; margin-top: 74px; color: rgba(255,255,255,.8); font-size: .86rem; font-weight: 650; }
.trust-row span { display: flex; align-items: center; gap: 9px; }
.trust-row span::before { content: "✓"; width: 21px; height: 21px; display: grid; place-items: center; border: 1px solid rgba(255,255,255,.5); border-radius: 50%; color: var(--white); font-size: .7rem; }
.hero-accent { position: absolute; z-index: 1; pointer-events: none; border: 1px solid rgba(255,255,255,.18); transform: rotate(45deg); animation: accent-float 8s ease-in-out infinite; }
.hero-accent-one { width: 58px; height: 58px; right: 8%; top: 20%; }
.hero-accent-two { width: 26px; height: 26px; right: 42%; bottom: 18%; border-color: rgba(239,24,36,.7); animation-delay: -3s; }
@keyframes accent-float { 0%, 100% { translate: 0 0; rotate: 0deg; } 50% { translate: 0 -16px; rotate: 12deg; } }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 80px; align-items: start; }
h2 { margin: 0; color: var(--navy); font-size: clamp(2.15rem, 4vw, 4rem); line-height: 1.08; letter-spacing: -.045em; }
.lead-copy { padding-top: 38px; color: var(--muted); font-size: 1.08rem; }
.lead-copy p { margin: 0 0 28px; }
.text-link, .card-link { display: inline-flex; gap: 12px; align-items: center; color: var(--blue); font-weight: 800; }
.text-link span, .card-link span { transition: transform .2s; }
.text-link:hover span, .card-link:hover span { transform: translateX(5px); }

.services { position: relative; overflow: hidden; background: var(--surface); }
.services::after { content: ""; position: absolute; z-index: 0; width: 500px; height: 500px; right: -260px; top: -230px; border: 80px solid rgba(18,63,164,.035); border-radius: 50%; }
.services .container { position: relative; z-index: 1; }
.section-heading { display: flex; justify-content: space-between; gap: 70px; align-items: end; margin-bottom: 50px; }
.section-heading > p { max-width: 430px; margin: 0 0 6px; color: var(--muted); }
.service-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.service-card { --rotate-x: 0deg; --rotate-y: 0deg; --shine-x: 50%; --shine-y: 50%; position: relative; min-height: 490px; padding: 35px 32px 30px; display: flex; flex-direction: column; border: 1px solid var(--line); background: var(--white); transform: perspective(900px) rotateX(var(--rotate-x)) rotateY(var(--rotate-y)) translateY(0); transform-style: preserve-3d; transition: transform .25s, box-shadow .25s; overflow: hidden; }
.service-card:hover { transform: perspective(900px) rotateX(var(--rotate-x)) rotateY(var(--rotate-y)) translateY(-8px); box-shadow: var(--shadow); }
.service-card::after { content: ""; position: absolute; inset: 0; pointer-events: none; opacity: 0; background: radial-gradient(circle at var(--shine-x) var(--shine-y), rgba(255,255,255,.34), transparent 38%); transition: opacity .25s; }
.service-card:hover::after { opacity: 1; }
.service-card::before { content: ""; position: absolute; left: 0; top: 0; width: 5px; height: 0; background: var(--red); transition: height .3s; }
.service-card:hover::before { height: 100%; }
.service-featured { background: var(--navy); color: var(--white); border-color: var(--navy); }
.service-featured h3, .service-featured .card-link { color: var(--white); }
.service-featured p, .service-featured li { color: rgba(255,255,255,.74); }
.card-icon { width: 54px; height: 54px; display: grid; place-items: center; background: rgba(18,63,164,.08); border-radius: 50%; color: var(--blue); }
.service-featured .card-icon { color: var(--white); background: rgba(255,255,255,.1); }
.card-icon svg { width: 29px; fill: none; stroke: currentColor; stroke-width: 1.7; stroke-linecap: round; stroke-linejoin: round; }
.card-number { position: absolute; top: 30px; right: 30px; margin: 0; color: #b3bac7; font-size: .72rem; font-weight: 800; letter-spacing: .12em; }
.service-card h3 { margin: 42px 0 12px; color: var(--navy); font-size: 1.5rem; line-height: 1.2; }
.service-card > p:not(.card-number) { margin: 0; color: var(--muted); }
.service-card ul { display: grid; gap: 8px; margin: 25px 0 26px; padding: 0; list-style: none; color: #424a59; font-size: .94rem; }
.service-card li::before { content: "—"; margin-right: 9px; color: var(--red); }
.card-link { margin-top: auto; font-size: .9rem; }

.business-band { padding: 0; background: var(--navy); color: var(--white); }
.business-grid { width: 100%; max-width: 1440px; display: grid; grid-template-columns: 1fr 1fr; align-items: stretch; }
.business-image-wrap { position: relative; min-height: 710px; }
.business-image-wrap img { width: 100%; height: 100%; object-fit: cover; transition: transform 1.1s cubic-bezier(.2,.7,.2,1), filter .6s ease; }
.business-image-wrap:hover img { transform: scale(1.035); filter: saturate(1.08); }
.business-image-wrap { overflow: hidden; }
.image-badge { position: absolute; z-index: 2; right: 24px; bottom: 52px; width: 230px; max-width: calc(100% - 48px); padding: 23px 25px; background: var(--red); color: var(--white); box-shadow: 0 20px 40px rgba(0,0,0,.2); animation: badge-pulse 4s ease-in-out infinite; }
@keyframes badge-pulse { 0%, 100% { transform: translateY(0); box-shadow: 0 20px 40px rgba(0,0,0,.2); } 50% { transform: translateY(-8px); box-shadow: 0 28px 50px rgba(0,0,0,.28); } }
.image-badge strong, .image-badge span { display: block; }
.image-badge strong { font-size: 1.08rem; }
.image-badge span { opacity: .8; font-size: .9rem; }
.business-copy { padding: 92px clamp(45px, 7vw, 110px); }
.section-kicker.light { color: #ff6670; }
.business-copy h2 { color: var(--white); }
.business-copy > p { margin: 24px 0 36px; max-width: 550px; color: rgba(255,255,255,.72); }
.mini-features { margin-bottom: 36px; }
.mini-features > div { display: grid; grid-template-columns: 38px 1fr; gap: 16px; padding: 17px 0; border-top: 1px solid rgba(255,255,255,.13); }
.mini-features span { color: #ff6670; font-size: .75rem; font-weight: 800; letter-spacing: .08em; }
.mini-features p { margin: 0; color: rgba(255,255,255,.72); font-size: .94rem; }
.mini-features strong { color: var(--white); }
.button-white { color: var(--navy); background: var(--white); }

.section-heading.centered { justify-content: center; text-align: center; }
.section-heading.centered > div { max-width: 760px; }
.advantage-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 30px; }
.advantage-grid article { position: relative; padding: 22px 18px 18px 0; border-top: 3px solid var(--navy); transition: transform .28s ease, border-color .28s ease; }
.advantage-grid article:hover { transform: translateY(-7px); border-color: var(--red); }
.advantage-grid article::after { content: ""; position: absolute; inset: 0; z-index: -1; background: linear-gradient(145deg, rgba(18,63,164,.055), transparent 60%); opacity: 0; transform: scale(.96); transition: opacity .28s, transform .28s; }
.advantage-grid article:hover::after { opacity: 1; transform: scale(1); }
.advantage-grid span { color: var(--red); font-size: .75rem; font-weight: 850; }
.advantage-grid h3 { margin: 32px 0 12px; color: var(--navy); font-size: 1.24rem; }
.advantage-grid p { margin: 0; color: var(--muted); font-size: .94rem; }

.claims { background: var(--surface); }
.claims-grid { display: grid; grid-template-columns: .93fr 1.07fr; gap: 80px; align-items: center; }
.claims-copy > p:not(.section-kicker) { color: var(--muted); margin: 22px 0 30px; }
.claims-image { width: 100%; aspect-ratio: 4 / 3; object-fit: cover; box-shadow: var(--shadow); transition: transform .55s cubic-bezier(.2,.75,.2,1), box-shadow .55s ease; }
.claims-image:hover { transform: translateY(-10px) rotate(.35deg); box-shadow: 0 30px 70px rgba(7,26,67,.2); }
.claim-steps { margin: 0 0 30px; padding: 0; list-style: none; }
.claim-steps li { display: grid; grid-template-columns: 42px 1fr; gap: 15px; padding: 16px 0; border-top: 1px solid var(--line); }
.claim-steps li > span { width: 31px; height: 31px; display: grid; place-items: center; background: var(--navy); color: var(--white); border-radius: 50%; font-size: .8rem; font-weight: 800; }
.claim-steps strong { color: var(--navy); }
.claim-steps p { margin: 2px 0 0; color: var(--muted); font-size: .9rem; }

.contact { background: linear-gradient(135deg, #071a43 0%, #0b2861 100%); color: var(--white); }
.contact-shell { display: grid; grid-template-columns: .88fr 1.12fr; gap: 90px; align-items: center; }
.contact-intro h2 { color: var(--white); }
.contact-intro > p:not(.section-kicker) { color: rgba(255,255,255,.72); max-width: 480px; margin: 24px 0 32px; }
.contact-notes { display: grid; gap: 10px; color: rgba(255,255,255,.86); font-size: .92rem; }
.contact-notes span::before { content: "✓"; margin-right: 10px; color: #ff6670; font-weight: 900; }
.quote-form { padding: 38px; background: var(--white); color: var(--ink); box-shadow: 0 28px 70px rgba(0,0,0,.25); }
.quote-form { transition: transform .4s ease, box-shadow .4s ease; }
.quote-form:focus-within { transform: translateY(-7px); box-shadow: 0 36px 80px rgba(0,0,0,.32); }
.quote-form label { display: grid; gap: 7px; margin-bottom: 18px; color: #303746; font-size: .86rem; font-weight: 700; }
.field-row { display: grid; grid-template-columns: 1fr 1fr; gap: 16px; }
.quote-form input, .quote-form select, .quote-form textarea { width: 100%; border: 1px solid #ccd2dc; border-radius: 4px; padding: 12px 13px; color: var(--ink); background: var(--white); outline: none; }
.quote-form textarea { resize: vertical; min-height: 105px; }
.quote-form input:focus, .quote-form select:focus, .quote-form textarea:focus { border-color: var(--blue); box-shadow: 0 0 0 3px rgba(18,63,164,.11); }
.submit-button { width: 100%; border: 0; }
.form-note { margin: 12px 0 0; color: #777f8c; text-align: center; font-size: .78rem; }

.site-footer { position: relative; padding: 70px 0 28px; background: var(--white); color: var(--muted); border-top: 1px solid var(--line); }
.site-footer::before { content: ""; position: absolute; inset: 0 0 auto; height: 4px; background: linear-gradient(90deg, var(--blue) 0 58%, var(--red) 58% 100%); }
.footer-grid { display: grid; grid-template-columns: 2fr 1fr 1fr; gap: 80px; padding-bottom: 50px; }
.footer-brand img { width: 230px; height: auto; aspect-ratio: 900 / 365; object-fit: contain; padding: 0; }
.footer-brand p { margin: 18px 0 0; }
.footer-grid h2 { margin: 0 0 15px; color: var(--navy); font-size: .86rem; letter-spacing: .1em; text-transform: uppercase; }
.footer-grid a, .footer-grid > div > p { display: block; margin: 8px 0; font-size: .9rem; }
.footer-grid a { transition: color .2s ease, transform .2s ease; }
.footer-grid a:hover { color: var(--blue); transform: translateX(3px); }
.footer-bottom { padding-top: 25px; display: flex; justify-content: space-between; gap: 20px; border-top: 1px solid var(--line); color: #6c7482; font-size: .8rem; }
.footer-bottom a { color: var(--navy); font-weight: 700; }
.footer-bottom p { margin: 0; }

.js-reveal { opacity: 0; transform: translateY(34px); transition: opacity .7s ease, transform .7s cubic-bezier(.2,.75,.2,1); }
.js-reveal.reveal-left { transform: translateX(-38px); }
.js-reveal.reveal-right { transform: translateX(38px); }
.js-reveal.is-visible { opacity: 1; transform: translate(0, 0); }
.js-reveal[data-delay="1"] { transition-delay: .08s; }
.js-reveal[data-delay="2"] { transition-delay: .16s; }
.js-reveal[data-delay="3"] { transition-delay: .24s; }

@media (max-width: 960px) {
  .section { padding: 88px 0; }
  .menu-toggle { display: block; }
  .site-nav { position: fixed; inset: 84px 0 0; display: flex; flex-direction: column; align-items: stretch; gap: 0; padding: 24px 30px; background: var(--white); transform: translateX(100%); transition: transform .25s ease; }
  .site-header.scrolled .site-nav { inset: 72px 0 0; }
  .site-nav.open { transform: translateX(0); }
  .site-nav a { padding: 16px 4px; border-bottom: 1px solid var(--line); }
  .site-nav .nav-cta { margin-top: 18px; text-align: center; border-bottom: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(1) { transform: translateY(8px) rotate(45deg); }
  .menu-toggle[aria-expanded="true"] span:nth-child(2) { opacity: 0; }
  .menu-toggle[aria-expanded="true"] span:nth-child(3) { transform: translateY(-8px) rotate(-45deg); }
  .hero { min-height: 720px; }
  .hero-image { object-position: 63% center; }
  .hero-overlay { background: linear-gradient(90deg, rgba(3,15,45,.96), rgba(3,15,45,.78) 66%, rgba(3,15,45,.42)); }
  .split, .claims-grid, .contact-shell { grid-template-columns: 1fr; gap: 48px; }
  .lead-copy { padding-top: 0; }
  .service-grid { grid-template-columns: 1fr 1fr; }
  .service-card:last-child { grid-column: 1 / -1; min-height: 430px; }
  .business-grid { grid-template-columns: 1fr; }
  .business-image-wrap { min-height: 500px; }
  .image-badge { right: 25px; }
  .advantage-grid { grid-template-columns: 1fr 1fr; }
  .claims-image { order: -1; }
}

@media (max-width: 640px) {
  :root { --container: min(100% - 30px, 1160px); }
  .site-header { height: 74px; }
  .brand { width: 165px; height: 58px; }
  .site-nav { inset: 74px 0 0; }
  .site-header.scrolled { height: 68px; }
  .site-header.scrolled .site-nav { inset: 68px 0 0; }
  .hero { min-height: 760px; padding: 140px 0 65px; align-items: end; }
  .hero-image { object-position: 72% center; }
  .hero-overlay { background: linear-gradient(0deg, rgba(3,15,45,.98) 7%, rgba(3,15,45,.84) 58%, rgba(3,15,45,.35)); }
  .hero h1 { font-size: clamp(3rem, 15vw, 4.5rem); }
  .hero-copy { font-size: 1rem; }
  .hero-actions { flex-direction: column; }
  .button { width: 100%; }
  .trust-row { margin-top: 45px; display: grid; gap: 10px; }
  .section { padding: 70px 0; }
  .section-heading { display: block; }
  .section-heading > p { margin-top: 20px; }
  .service-grid, .advantage-grid { grid-template-columns: 1fr; }
  .service-card, .service-card:last-child { grid-column: auto; min-height: 440px; }
  .business-image-wrap { min-height: 360px; }
  .image-badge { left: 20px; right: auto; bottom: 20px; }
  .business-copy { padding: 65px 24px; }
  .claims-grid { gap: 38px; }
  .field-row { grid-template-columns: 1fr; gap: 0; }
  .quote-form { padding: 25px 20px; }
  .footer-grid { grid-template-columns: 1fr; gap: 35px; }
  .footer-bottom { flex-direction: column; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; }
  .js-reveal, .hero-content > * { opacity: 1 !important; transform: none !important; }
  .hero-image { transform: none !important; }
}