:root{
  --navy:#0d2b5e; --navy-d:#08193a; --navy-m:#16396f;
  --gold:#b8860b; --gold-b:#e2b13c; --gold-t:#8a6508;
  --ink:#16213a; --muted:#4a5875; --line:#d9e0ee; --tint:#f3f6fb; --white:#fff;
  --free:#7a8599; --under:#d9822b; --prot:#2e9e5b; --over:#c0392b;
  --r:14px; --shadow:0 8px 28px rgba(13,43,94,.12);
  --max:1160px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img,svg,video{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;color:var(--navy);letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.2rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{width:min(var(--max),100% - 40px);margin-inline:auto}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--gold-b);color:var(--navy);padding:10px 16px;border-radius:8px;z-index:100;font-weight:700}
.skip:focus{left:8px}
:focus-visible{outline:3px solid var(--gold-b);outline-offset:3px}

/* nav */
.nav{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 14px rgba(13,43,94,.06)}
.nav__inner{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand img{height:56px;width:auto}
.nav__menu{display:flex;align-items:center;gap:22px}
.nav__menu a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--navy)}
.nav__menu a:not(.btn):hover{color:var(--gold-t)}
.nav__toggle{display:none;background:none;border:0;padding:10px;cursor:pointer}
.nav__toggle span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px;transition:.2s}

/* buttons */
.btn{display:inline-block;font-weight:700;text-decoration:none;border-radius:10px;padding:14px 26px;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-2px)}
.btn--gold{background:var(--gold-b);color:var(--navy-d)}
.btn--gold:hover{background:#f0c24f}
.btn--ghost{border-color:#fff;color:#fff}
.btn--ghost:hover{background:rgba(255,255,255,.12)}
.btn--sm{padding:9px 16px;font-size:.92rem}
.nav__menu .btn--gold{color:var(--navy-d)}

/* hero */
.hero{background:radial-gradient(1200px 600px at 80% -10%,#1c4a93 0,transparent 60%),linear-gradient(160deg,var(--navy-d),var(--navy) 60%,#10336f);color:#fff;padding:clamp(48px,8vw,96px) 0}
.hero h1{color:#fff}
.hero__grid{display:grid;grid-template-columns:1.05fr 1fr;gap:clamp(24px,5vw,60px);align-items:center}
.eyebrow{font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.8rem;color:var(--gold-b);margin-bottom:12px}
.eyebrow--dark{color:var(--gold-t)}
.lead{font-size:1.15rem;color:#dbe5f6;max-width:34em}
.cta-row{display:flex;flex-wrap:wrap;gap:14px;margin:28px 0 16px}
.hero__call{color:#c4d2ec;font-size:.98rem}
.hero__call a{color:var(--gold-b);font-weight:700}
.hero__fig{margin:0}
.hero__fig figcaption{font-size:.82rem;color:#aebbd6;margin-top:8px;text-align:center}
.schematic{width:100%;height:auto;border-radius:14px;box-shadow:0 18px 50px rgba(0,0,0,.35)}
.svg-label{fill:#dbe5f6;font:600 13px system-ui,sans-serif}
.svg-small{fill:#9fb2d3;font:12px system-ui,sans-serif}
.svg-read{fill:var(--gold-b);font:700 24px ui-monospace,Menlo,Consolas,monospace}
.flow path{stroke-dasharray:8 8;animation:flow 1.1s linear infinite}
@keyframes flow{to{stroke-dashoffset:-16}}

/* strip */
.strip{background:var(--navy-d);color:#fff;border-top:3px solid var(--gold)}
.strip__grid{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.strip__grid div{padding:22px 18px;display:flex;flex-direction:column;border-left:1px solid rgba(255,255,255,.14)}
.strip__grid div:first-child{border-left:0}
.strip strong{color:var(--gold-b);font-size:1.35rem;letter-spacing:.02em}
.strip span{font-size:.88rem;color:#c4d2ec}
.strip__note{font-size:.8rem;color:#9fb2d3;padding-bottom:12px;margin:0 auto}

/* sections */
.section{padding:clamp(52px,7vw,96px) 0}
.section--tint{background:var(--tint)}
.section--navy{background:linear-gradient(160deg,var(--navy-d),var(--navy));color:#e6edf9}
.section--navy h2,.section--navy h3{color:#fff}
.section__intro{max-width:44em;color:var(--muted);font-size:1.08rem;margin-bottom:34px}
.fine{font-size:.86rem;color:var(--muted);margin-top:18px}
.fine--light{color:#b9c7e2}

/* cards */
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:var(--r);padding:28px;box-shadow:var(--shadow)}
.card__icon{width:48px;height:48px;border-radius:12px;background:var(--navy);color:var(--gold-b);display:grid;place-items:center;margin-bottom:16px}
.card__icon svg{width:26px;height:26px}
.card ul{margin:0;padding:0;list-style:none}
.card li{position:relative;padding:8px 0 8px 26px;border-top:1px solid var(--line)}
.card li:first-child{border-top:0}
.card li::before{content:"";position:absolute;left:2px;top:17px;width:10px;height:10px;border-radius:50%;background:var(--gold)}

/* criterion */
.crit{display:grid;grid-template-columns:1fr 1.1fr;gap:clamp(24px,5vw,64px);align-items:center}
.crit__tool{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.18);border-radius:var(--r);padding:28px}
.gauge{width:120px;margin:0 auto 6px}
.pipe-state{stroke:var(--prot);transition:stroke .2s}
.pipe-text{fill:#fff;font:700 20px ui-monospace,Menlo,Consolas,monospace}
.readout{text-align:center;margin-bottom:18px}
.readout__val{font:700 2.4rem ui-monospace,Menlo,Consolas,monospace;color:#fff}
.readout__val small{font-size:1rem;color:#b9c7e2}
.state{display:inline-block;font-weight:800;padding:6px 18px;border-radius:999px;color:#fff;margin:6px 0 8px;transition:background .2s}
.state[data-state=free]{background:var(--free)}
.state[data-state=under]{background:var(--under)}
.state[data-state=protected]{background:var(--prot)}
.state[data-state=over]{background:var(--over)}
.state__desc{font-size:.95rem;color:#dbe5f6;min-height:3.2em;margin:0}
input[type=range]{-webkit-appearance:none;appearance:none;width:100%;height:34px;background:transparent;margin:10px 0 0;cursor:pointer}
input[type=range]::-webkit-slider-runnable-track{height:8px;background:rgba(255,255,255,.25);border-radius:4px}
input[type=range]::-moz-range-track{height:8px;background:rgba(255,255,255,.25);border-radius:4px}
input[type=range]::-webkit-slider-thumb{-webkit-appearance:none;width:28px;height:28px;border-radius:50%;background:var(--gold-b);border:3px solid var(--navy-d);margin-top:-10px;box-shadow:0 2px 8px rgba(0,0,0,.4)}
input[type=range]::-moz-range-thumb{width:24px;height:24px;border-radius:50%;background:var(--gold-b);border:3px solid var(--navy-d)}
.bands{display:flex;height:30px;border-radius:6px;overflow:hidden;margin-top:6px}
.band{display:grid;place-items:center;font-size:.68rem;font-weight:700;color:#fff;white-space:nowrap;overflow:hidden;text-overflow:clip}
.band--free{background:var(--free)}.band--under{background:var(--under)}.band--prot{background:var(--prot)}.band--over{background:var(--over)}
.ticks{position:relative;height:22px;font-size:.72rem;color:#b9c7e2;margin:4px 14px 0}
.ticks span{position:absolute;transform:translateX(-50%);white-space:nowrap}
.ticks span:first-child{transform:translateX(-30%)}
.ticks span:last-child{transform:translateX(-70%)}

.legend{display:none;list-style:none;padding:0;margin:10px 0 0;font-size:.8rem;gap:6px 14px;flex-wrap:wrap}
.legend li{display:flex;align-items:center;gap:6px}
.legend i{width:12px;height:12px;border-radius:3px;display:inline-block}
/* videos / gallery */
.videos{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.video{margin:0;background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;box-shadow:var(--shadow)}
.video video{width:100%;aspect-ratio:16/9;background:#000}
.video figcaption{padding:14px 18px;font-size:.92rem;color:var(--muted)}
.gallery-title{margin-top:48px}
.gallery{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;align-items:start}
.gallery figure{margin:0;border-radius:12px;overflow:hidden;border:1px solid var(--line);background:#fff}
.gallery img{width:100%;height:auto;aspect-ratio:1/1;object-fit:cover}
.gallery figcaption{padding:10px 12px;font-size:.88rem;font-weight:600;color:var(--navy)}

/* steps */
.steps{list-style:none;margin:30px 0 0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px 22px;position:relative}
.steps__n{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:var(--gold-b);font-weight:800;margin-bottom:12px}
.steps p{color:var(--muted);margin:0;font-size:.97rem}

/* safety / coverage */
.safety,.coverage{display:grid;grid-template-columns:1fr 1fr;gap:clamp(24px,5vw,64px);align-items:center}
.checks{list-style:none;margin:0;padding:0}
.checks li{position:relative;padding:14px 14px 14px 46px;background:var(--tint);border-radius:10px;margin-bottom:10px}
.checks li::before{content:"";position:absolute;left:16px;top:17px;width:16px;height:9px;border-left:3px solid var(--gold-t);border-bottom:3px solid var(--gold-t);transform:rotate(-45deg)}
.phone-line{font-weight:700}
.coverage__card{display:grid;place-items:center}
.coverage__card svg{width:min(300px,70%)}

/* contact */
.contact{display:grid;grid-template-columns:1fr 1.2fr;gap:clamp(24px,5vw,64px);align-items:start}
.contact__phone{font-size:2rem;font-weight:800;margin-bottom:6px}
.contact__phone a{color:var(--gold-b);text-decoration:none}
.form{background:#fff;color:var(--ink);border-radius:var(--r);padding:28px;display:grid;grid-template-columns:1fr 1fr;gap:16px;box-shadow:0 18px 50px rgba(0,0,0,.3)}
.field{display:flex;flex-direction:column;gap:6px}
.field--full{grid-column:1/-1}
label{font-weight:700;font-size:.92rem;color:var(--navy)}
input[type=text],input[type=tel],input[type=email],select,textarea{font:inherit;padding:12px 14px;border:1.5px solid #b9c4da;border-radius:9px;background:#fff;color:var(--ink);width:100%}
input:focus,select:focus,textarea:focus{outline:3px solid var(--gold-b);border-color:var(--navy)}
input[aria-invalid=true],textarea[aria-invalid=true]{border-color:var(--over)}
.hp{position:absolute;left:-9999px;width:1px;height:1px;opacity:0}
.form__msg{margin:12px 0 0;font-weight:600;color:var(--navy)}

/* footer */
.footer{background:var(--navy-d);color:#c4d2ec;padding:36px 0;border-top:3px solid var(--gold)}
.footer a{color:var(--gold-b)}
.footer__inner{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap;align-items:flex-end}
.footer__logo{height:52px;width:auto;background:#fff;border-radius:8px;padding:4px 8px;margin-bottom:12px}
.footer__small{font-size:.82rem;max-width:34em;margin:0}

/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}

/* responsive */
@media(max-width:960px){
  .hero__grid,.crit,.safety,.coverage,.contact{grid-template-columns:1fr}
  .cols,.videos{grid-template-columns:1fr}
  .steps{grid-template-columns:1fr 1fr}
  .gallery{grid-template-columns:1fr 1fr}
  .strip__grid{grid-template-columns:1fr 1fr}
  .strip__grid div:nth-child(3){border-left:0}
  .strip__grid div:nth-child(n+3){border-top:1px solid rgba(255,255,255,.14)}
}
@media(max-width:760px){
  .nav__toggle{display:block}
  .nav__menu{position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 18px;border-bottom:1px solid var(--line);display:none;box-shadow:0 12px 24px rgba(13,43,94,.12)}
  .nav__menu.open{display:flex}
  .nav__menu a{padding:12px 0;border-bottom:1px solid var(--line)}
  .nav__menu .btn{margin-top:12px;text-align:center;border-bottom:0}
  .brand img{height:42px}
}
@media(max-width:560px){
  body{font-size:16px}
  .steps,.gallery{grid-template-columns:1fr}
  .form{grid-template-columns:1fr;padding:20px}
  .crit__tool{padding:18px}
  .band{font-size:0}
  .legend{display:flex}
  .btn{width:100%;text-align:center}
  .nav__menu .btn{width:auto}
}
@media(prefers-reduced-motion:reduce){
  html{scroll-behavior:auto}
  .flow path{animation:none}
  .reveal{opacity:1;transform:none;transition:none}
  .btn:hover{transform:none}
}

.hero__safety{margin:.25rem 0 .75rem;color:#e8c766;font-size:1.05rem;letter-spacing:.02em}

.about{display:grid;grid-template-columns:320px 1fr;gap:40px;align-items:center}
.about__photo{width:320px;height:320px;object-fit:cover;border-radius:12px;box-shadow:0 8px 28px rgba(13,43,94,.25);border:3px solid #b8860b}
@media (max-width:760px){.about{grid-template-columns:1fr;text-align:left}.about__photo{width:240px;height:240px}}