:root {
  --navy: #0B1D2E;
  --navy-light: #132D45;
  --navy-dark: #071520;
  --gold: #C88A20;
  --gold-light: #F0C060;
  --gold-dark: #C88A20;
  --white: #FFFFFF;
  --off-white: #F8F7F4;
  --gray-100: #F3F4F6;
  --gray-200: #E5E7EB;
  --gray-300: #D1D5DB;
  --gray-500: #6B7280;
  --gray-600: #4B5563;
  --gray-700: #374151;
  --gray-800: #1F2937;
  --font-heading: 'Archivo', sans-serif;
  --font-body: 'DM Sans', sans-serif;
  --shadow-sm: 0 1px 2px rgba(0,0,0,0.05);
  --shadow-md: 0 4px 6px -1px rgba(0,0,0,0.1);
  --shadow-lg: 0 10px 15px -3px rgba(0,0,0,0.1);
  --shadow-xl: 0 20px 25px -5px rgba(0,0,0,0.1);
  --radius: 8px;
  --max-width: 1200px;
  --header-h: 80px;
}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{font-size:16px;scroll-behavior:smooth;-webkit-font-smoothing:antialiased}
body{font-family:var(--font-body);color:var(--gray-800);background:var(--white);line-height:1.7;overflow-x:hidden}
img{max-width:100%;height:auto;display:block}
a{color:var(--gold-dark);text-decoration:none;transition:color .2s}
a:hover{color:var(--gold)}
h1,h2,h3,h4,h5,h6{font-family:var(--font-heading);font-weight:700;line-height:1.2;color:var(--navy);margin-bottom:.5em}
h1{font-size:2.5rem}h2{font-size:2rem}h3{font-size:1.5rem}h4{font-size:1.25rem}
p{margin-bottom:1.25rem;color:var(--gray-700)}
ul,ol{margin-bottom:1.25rem;padding-left:1.5rem}
li{margin-bottom:.5rem;color:var(--gray-700)}
.container{width:100%;max-width:var(--max-width);margin:0 auto;padding:0 1.5rem}
.section{padding:4rem 0}
.section--gray{background:var(--gray-100)}
.section--navy{background:var(--navy);color:var(--white)}
.section--navy h2,.section--navy h3,.section--navy h4{color:var(--white)}
.section--navy p{color:rgba(255,255,255,.85)}

/* Top Bar */
.top-bar{background:var(--navy-dark);color:rgba(255,255,255,.9);font-size:.875rem;padding:.5rem 0}
.top-bar .container{display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:.5rem}
.top-bar a{color:var(--gold);font-weight:600}

/* Header */
.site-header{background:var(--navy);position:sticky;top:0;z-index:1000;box-shadow:var(--shadow-lg)}
.site-header .container{display:flex;justify-content:space-between;align-items:center;height:var(--header-h)}
.site-logo{display:flex;align-items:center;gap:.75rem;text-decoration:none}
.site-logo__text{font-family:var(--font-heading);font-size:1.25rem;font-weight:800;color:var(--white);line-height:1.2}
.site-logo__text span{color:var(--gold)}

/* Navigation */
.main-nav ul{display:flex;list-style:none;margin:0;padding:0}
.main-nav li{position:relative;margin:0}
.main-nav a{display:block;padding:.75rem 1rem;color:rgba(255,255,255,.9);font-family:var(--font-heading);font-size:.9rem;font-weight:600;text-transform:uppercase;letter-spacing:.03em;transition:color .2s}
.main-nav a:hover,.main-nav .current-menu-item>a,.main-nav .current_page_item>a{color:var(--gold)}
.main-nav .sub-menu{display:none;position:absolute;top:100%;left:0;background:var(--navy-light);min-width:240px;box-shadow:var(--shadow-xl);border-radius:0 0 var(--radius) var(--radius);z-index:999;flex-direction:column;padding:.5rem 0}
.main-nav li:hover>.sub-menu{display:flex}
.main-nav .sub-menu a{padding:.6rem 1.25rem;font-size:.85rem;text-transform:none;border-bottom:1px solid rgba(255,255,255,.05)}
.main-nav .sub-menu a:hover{background:rgba(232,168,56,.1)}
.menu-toggle{display:none;background:none;border:none;cursor:pointer;padding:.5rem}
.menu-toggle span{display:block;width:26px;height:3px;background:var(--white);margin:5px 0;border-radius:2px;transition:all .3s}
.header-cta{display:inline-flex;align-items:center;gap:.5rem;background:var(--gold);color:var(--navy)!important;padding:.6rem 1.25rem;border-radius:var(--radius);font-family:var(--font-heading);font-weight:700;font-size:.9rem;transition:background .2s,transform .2s}
.header-cta:hover{background:var(--gold-light);transform:translateY(-1px)}

/* Hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);padding:5rem 0;position:relative;overflow:hidden}
.hero::before{content:'';position:absolute;top:-50%;right:-10%;width:600px;height:600px;background:radial-gradient(circle,rgba(232,168,56,.08) 0%,transparent 70%);border-radius:50%}
.hero__content{max-width:640px;position:relative;z-index:2}
.hero__badge{display:inline-block;background:rgba(232,168,56,.15);color:var(--gold);padding:.4rem 1rem;border-radius:50px;font-size:.85rem;font-weight:600;margin-bottom:1.25rem}
.hero h1{color:var(--white);font-size:2.75rem;line-height:1.15;margin-bottom:1rem}
.hero h1 em{color:var(--gold);font-style:normal}
.hero p{color:rgba(255,255,255,.85);font-size:1.125rem;margin-bottom:2rem}
.hero--page{padding:3.5rem 0}
.hero--page h1{font-size:2.25rem}

/* Breadcrumbs */
.breadcrumbs{padding:1rem 0;font-size:.85rem}
.breadcrumbs a{color:rgba(255,255,255,.6)}
.breadcrumbs a:hover{color:var(--gold)}
.breadcrumbs .sep{margin:0 .5rem;color:rgba(255,255,255,.3)}
.breadcrumbs .current{color:rgba(255,255,255,.9)}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.875rem 2rem;border-radius:var(--radius);font-family:var(--font-heading);font-weight:700;font-size:1rem;text-decoration:none;border:none;cursor:pointer;transition:all .2s}
.btn--primary{background:var(--gold);color:var(--navy)}
.btn--primary:hover{background:var(--gold-light);color:var(--navy);transform:translateY(-2px);box-shadow:var(--shadow-lg)}
.btn--secondary{background:transparent;color:var(--white);border:2px solid rgba(255,255,255,.3)}
.btn--secondary:hover{border-color:var(--white);color:var(--white)}
.btn--outline{background:transparent;color:var(--navy);border:2px solid var(--navy)}
.btn--outline:hover{background:var(--navy);color:var(--white)}
.btn--white{background:var(--white);color:var(--navy)}
.btn--white:hover{background:var(--off-white);transform:translateY(-2px)}
.btn--sm{padding:.6rem 1.25rem;font-size:.875rem}
.btn--lg{padding:1rem 2.5rem;font-size:1.125rem}
.btn-group{display:flex;gap:1rem;flex-wrap:wrap}

/* Trust Bar */
.trust-bar{background:var(--off-white);padding:1.5rem 0;border-bottom:1px solid var(--gray-200)}
.trust-bar .container{display:flex;justify-content:center;align-items:center;gap:3rem;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:.5rem;font-size:.9rem;font-weight:600;color:var(--gray-600)}
.trust-item svg{width:20px;height:20px;color:var(--gold)}

/* Cards */
.card-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:1.5rem}
.card-grid--3{grid-template-columns:repeat(3,1fr)}
.card-grid--4{grid-template-columns:repeat(4,1fr)}
.card{background:var(--white);border-radius:12px;padding:2rem;box-shadow:var(--shadow-md);transition:transform .2s,box-shadow .2s;border:1px solid var(--gray-200)}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow-xl)}
.card__icon{width:48px;height:48px;background:rgba(232,168,56,.1);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;margin-bottom:1rem;color:var(--gold-dark);font-size:1.5rem}
.card__title{font-size:1.25rem;margin-bottom:.75rem}
.card__link{display:inline-flex;align-items:center;gap:.25rem;color:var(--gold-dark);font-weight:600;margin-top:1rem}
.card__link:hover{gap:.5rem}

/* CTA Banner */
.cta-banner{background:linear-gradient(135deg,var(--gold-dark) 0%,var(--gold) 100%);padding:3.5rem 0;text-align:center}
.cta-banner h2{color:var(--navy);margin-bottom:.75rem}
.cta-banner p{color:var(--navy);opacity:.85;font-size:1.125rem;margin-bottom:1.5rem}

/* Content */
.content-area{padding:3rem 0}
.content-area h2{margin-top:2rem;margin-bottom:1rem}
.content-area h3{margin-top:1.5rem;margin-bottom:.75rem}
.content-sidebar{display:grid;grid-template-columns:1fr 340px;gap:3rem}
.sidebar{position:sticky;top:calc(var(--header-h) + 2rem);align-self:start}
.sidebar-widget{background:var(--gray-100);border-radius:12px;padding:1.5rem;margin-bottom:1.5rem}
.sidebar-widget--cta{background:var(--navy);color:var(--white)}
.sidebar-widget--cta h3{color:var(--white)}
.sidebar-widget--cta p{color:rgba(255,255,255,.85)}
.sidebar-widget h3{font-size:1.125rem;margin-bottom:.75rem}
.sidebar-widget ul{list-style:none;padding:0}
.sidebar-widget li{margin-bottom:0}
.sidebar-widget li a{display:block;padding:.5rem 0;border-bottom:1px solid var(--gray-200);color:var(--gray-700);font-size:.9rem}
.sidebar-widget li a:hover{color:var(--gold-dark)}

/* City Grid */
.city-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:.75rem}
.city-grid a{display:flex;align-items:center;gap:.5rem;padding:.75rem 1rem;background:var(--white);border:1px solid var(--gray-200);border-radius:var(--radius);color:var(--gray-700);font-weight:500;transition:all .2s}
.city-grid a:hover{border-color:var(--gold);background:rgba(232,168,56,.05);color:var(--navy)}

/* Quote Form */
.quote-form{background:var(--white);border-radius:12px;padding:2rem;box-shadow:var(--shadow-xl)}
.quote-form h3{text-align:center;margin-bottom:1.5rem}
.form-group{margin-bottom:1rem}
.form-group label{display:block;font-weight:600;font-size:.875rem;margin-bottom:.375rem;color:var(--gray-700)}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:.75rem 1rem;border:1px solid var(--gray-300);border-radius:var(--radius);font-family:var(--font-body);font-size:1rem;color:var(--gray-800);transition:border-color .2s}
.form-group input:focus,.form-group select:focus,.form-group textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px rgba(232,168,56,.15)}
.form-group textarea{min-height:100px;resize:vertical}
.form-check{display:flex;align-items:flex-start;gap:.5rem;margin:1rem 0}
.form-check input[type="checkbox"]{width:auto;margin-top:.25rem}
.form-check label{font-size:.8rem;color:var(--gray-500);line-height:1.4}

/* Section Headers */
.section-header{text-align:center;max-width:640px;margin:0 auto 2.5rem}
.section-header p{font-size:1.1rem;color:var(--gray-600)}
.gold-line{width:60px;height:3px;background:var(--gold);margin:0 auto 1rem;border-radius:2px}

/* Benefits */
.benefits-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem;margin:2rem 0}
.benefit-item{display:flex;gap:1rem;align-items:flex-start}
.benefit-item__icon{flex-shrink:0;width:40px;height:40px;background:rgba(232,168,56,.1);border-radius:var(--radius);display:flex;align-items:center;justify-content:center;color:var(--gold-dark);font-size:1.25rem}
.benefit-item__title{font-weight:700;color:var(--navy);margin-bottom:.25rem}
.benefit-item__text{font-size:.9rem;color:var(--gray-600);margin-bottom:0}

/* FAQ */
.faq-list{max-width:800px;margin:0 auto}
.faq-item{border-bottom:1px solid var(--gray-200)}
.faq-item summary{padding:1.25rem 0;font-family:var(--font-heading);font-weight:700;font-size:1.1rem;color:var(--navy);cursor:pointer;list-style:none;display:flex;justify-content:space-between;align-items:center}
.faq-item summary::after{content:'+';font-size:1.5rem;font-weight:300;color:var(--gold);transition:transform .2s}
.faq-item[open] summary::after{transform:rotate(45deg)}
.faq-item .faq-answer{padding-bottom:1.25rem}

/* Footer */
.site-footer{background:var(--navy-dark);color:rgba(255,255,255,.75);padding:4rem 0 0}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:3rem;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-col h4{color:var(--white);font-size:1rem;margin-bottom:1.25rem;text-transform:uppercase;letter-spacing:.05em}
.footer-col p{color:rgba(255,255,255,.65);font-size:.9rem}
.footer-col ul{list-style:none;padding:0}
.footer-col li{margin-bottom:.5rem}
.footer-col li a{color:rgba(255,255,255,.65);font-size:.9rem;transition:color .2s}
.footer-col li a:hover{color:var(--gold)}
.footer-bottom{padding:1.5rem 0;display:flex;justify-content:space-between;align-items:center;font-size:.85rem;color:rgba(255,255,255,.45)}
.footer-bottom a{color:rgba(255,255,255,.45)}
.footer-bottom a:hover{color:var(--gold)}

/* Responsive */
@media(max-width:1024px){
  .content-sidebar{grid-template-columns:1fr}
  .sidebar{position:static}
  .card-grid--3,.card-grid--4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:768px){
  h1{font-size:2rem}h2{font-size:1.5rem}h3{font-size:1.25rem}
  .hero{padding:3rem 0}.hero h1{font-size:2rem}
  .section{padding:2.5rem 0}
  .main-nav{display:none;position:absolute;top:var(--header-h);left:0;right:0;background:var(--navy-light);padding:1rem;box-shadow:var(--shadow-xl)}
  .main-nav.is-active{display:block}
  .main-nav ul{flex-direction:column}
  .main-nav .sub-menu{position:static;display:none;box-shadow:none;padding-left:1rem;background:transparent}
  .main-nav li.is-open>.sub-menu{display:flex}
  .menu-toggle{display:block}
  .header-cta--desktop{display:none}
  .card-grid--3,.card-grid--4{grid-template-columns:1fr}
  .benefits-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr}
  .footer-bottom{flex-direction:column;gap:.75rem;text-align:center}
  .city-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:480px){.city-grid{grid-template-columns:1fr}.hero h1{font-size:1.75rem}}