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

:root {
  --blue: #1a3a6b;
  --orange: #e87722;
  --light: #f5f7fa;
  --dark: #1c1c1c;
  --gray: #6b7280;
  --border: #e2e8f0;
}

body {
  font-family: 'Segoe UI', Arial, sans-serif;
  color: var(--dark);
  line-height: 1.6;
}

a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }

/* NAV */
nav {
  background: var(--blue);
  padding: 0 2rem;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
  box-shadow: 0 2px 8px rgba(0,0,0,0.2);
}
.logo {
  color: #fff;
  font-size: 1.4rem;
  font-weight: 700;
  padding: 1rem 0;
  letter-spacing: 0.5px;
}
.logo span { color: var(--orange); }
nav ul {
  list-style: none;
  display: flex;
  gap: 2rem;
}
nav ul a {
  color: #fff;
  font-size: 0.95rem;
  font-weight: 500;
  padding: 0.3rem 0;
  border-bottom: 2px solid transparent;
  transition: border-color 0.2s;
}
nav ul a:hover {
  border-color: var(--orange);
  text-decoration: none;
}
.nav-cta {
  background: var(--orange);
  color: #fff !important;
  padding: 0.5rem 1.2rem !important;
  border-radius: 4px;
  border-bottom: none !important;
}
.nav-cta:hover { opacity: 0.9; }

/* HERO */
.hero {
  background: linear-gradient(135deg, #1a3a6b 0%, #0f2447 100%);
  color: #fff;
  padding: 5rem 2rem;
  text-align: center;
}
.hero h1 {
  font-size: 2.8rem;
  font-weight: 800;
  margin-bottom: 1rem;
  line-height: 1.2;
}
.hero h1 span { color: var(--orange); }
.hero p {
  font-size: 1.2rem;
  max-width: 600px;
  margin: 0 auto 2rem;
  opacity: 0.9;
}
.btn {
  display: inline-block;
  background: var(--orange);
  color: #fff;
  padding: 0.85rem 2rem;
  border-radius: 4px;
  font-size: 1rem;
  font-weight: 600;
  cursor: pointer;
  border: none;
  transition: opacity 0.2s;
}
.btn:hover { opacity: 0.88; text-decoration: none; }
.btn-outline {
  background: transparent;
  border: 2px solid #fff;
  margin-left: 1rem;
}

/* TRUST BAR */
.trust-bar {
  background: var(--orange);
  color: #fff;
  text-align: center;
  padding: 0.75rem 2rem;
  font-weight: 600;
  font-size: 0.95rem;
  letter-spacing: 0.3px;
}

/* SECTIONS */
section { padding: 4rem 2rem; }
.container { max-width: 1100px; margin: 0 auto; }
.section-title {
  text-align: center;
  font-size: 2rem;
  font-weight: 700;
  color: var(--blue);
  margin-bottom: 0.5rem;
}
.section-subtitle {
  text-align: center;
  color: var(--gray);
  margin-bottom: 3rem;
}

/* SERVICES */
.services-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(220px, 1fr));
  gap: 1.5rem;
}
.service-card {
  background: #fff;
  border: 1px solid var(--border);
  border-radius: 8px;
  padding: 2rem 1.5rem;
  text-align: center;
  box-shadow: 0 2px 8px rgba(0,0,0,0.05);
  transition: transform 0.2s, box-shadow 0.2s;
}
.service-card:hover {
  transform: translateY(-4px);
  box-shadow: 0 6px 20px rgba(0,0,0,0.1);
}
.service-icon {
  font-size: 2.5rem;
  margin-bottom: 1rem;
}
.service-card h3 {
  color: var(--blue);
  font-size: 1.1rem;
  margin-bottom: 0.5rem;
}
.service-card p { color: var(--gray); font-size: 0.9rem; }

/* WHY US */
.why-bg { background: var(--light); }
.why-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(200px, 1fr));
  gap: 2rem;
  text-align: center;
}
.why-item h3 { color: var(--blue); margin-bottom: 0.4rem; }
.why-item p { color: var(--gray); font-size: 0.9rem; }
.why-num {
  font-size: 2.5rem;
  font-weight: 800;
  color: var(--orange);
}

/* FORM */
.form-section { background: var(--blue); color: #fff; }
.form-section .section-title { color: #fff; }
.form-section .section-subtitle { color: rgba(255,255,255,0.75); }
.quote-form {
  background: #fff;
  color: var(--dark);
  border-radius: 8px;
  padding: 2.5rem;
  max-width: 680px;
  margin: 0 auto;
  box-shadow: 0 8px 30px rgba(0,0,0,0.2);
}
.form-row {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 1rem;
}
.form-group {
  margin-bottom: 1.2rem;
  display: flex;
  flex-direction: column;
}
.form-group label {
  font-size: 0.85rem;
  font-weight: 600;
  color: var(--blue);
  margin-bottom: 0.35rem;
}
.form-group input,
.form-group select,
.form-group textarea {
  padding: 0.65rem 0.9rem;
  border: 1px solid var(--border);
  border-radius: 4px;
  font-size: 0.95rem;
  font-family: inherit;
  outline: none;
  transition: border-color 0.2s;
}
.form-group input:focus,
.form-group select:focus,
.form-group textarea:focus { border-color: var(--blue); }
.form-group textarea { resize: vertical; min-height: 90px; }
.sms-consent {
  font-size: 0.78rem;
  color: var(--gray);
  margin-top: 0.5rem;
  line-height: 1.5;
  border-top: 1px solid var(--border);
  padding-top: 1rem;
}
.sms-consent a { color: var(--blue); }
.form-group.full { grid-column: 1 / -1; }
.btn-submit {
  width: 100%;
  padding: 1rem;
  font-size: 1.05rem;
  margin-top: 0.5rem;
}

/* FOOTER */
footer {
  background: #0f1f3d;
  color: rgba(255,255,255,0.7);
  padding: 2.5rem 2rem;
  text-align: center;
}
.footer-links { margin: 0.75rem 0; }
.footer-links a { color: rgba(255,255,255,0.6); margin: 0 0.75rem; font-size: 0.9rem; }
.footer-links a:hover { color: #fff; }
footer p { font-size: 0.85rem; }

/* LEGAL PAGES */
.legal-content {
  max-width: 800px;
  margin: 3rem auto;
  padding: 0 2rem;
}
.legal-content h1 {
  color: var(--blue);
  font-size: 2rem;
  margin-bottom: 0.5rem;
}
.legal-content .updated {
  color: var(--gray);
  font-size: 0.9rem;
  margin-bottom: 2rem;
}
.legal-content h2 {
  color: var(--blue);
  font-size: 1.2rem;
  margin: 2rem 0 0.5rem;
}
.legal-content p, .legal-content li { color: #374151; margin-bottom: 0.75rem; line-height: 1.7; }
.legal-content ul { padding-left: 1.5rem; margin-bottom: 1rem; }
.legal-content .highlight-box {
  background: #fffbeb;
  border-left: 4px solid var(--orange);
  padding: 1rem 1.25rem;
  margin: 1.5rem 0;
  border-radius: 0 4px 4px 0;
}

/* RESPONSIVE */
@media (max-width: 700px) {
  .hero h1 { font-size: 2rem; }
  nav ul { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .btn-outline { display: none; }
}