/* === RESET & BASE === */
*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { font-size: 16px; scroll-behavior: smooth; }
body {
  font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif;
  color: #1a1a2e; background: #fff; line-height: 1.6;
}
img { max-width: 100%; height: auto; display: block; }
a { color: #1a5276; text-decoration: none; }
a:hover { color: #0d3b66; text-decoration: underline; }
ul, ol { padding-left: 1.25rem; }

/* === UTILITY === */
.container { max-width: 1100px; margin: 0 auto; padding: 0 1.25rem; }
.text-center { text-align: center; }
.sr-only { position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); border: 0; }

/* === HEADER === */
.site-header { background: #fff; border-bottom: 1px solid #e0e0e0; position: sticky; top: 0; z-index: 100; }
.header-inner { display: flex; align-items: center; justify-content: space-between; padding: .75rem 1.25rem; max-width: 1100px; margin: 0 auto; }
.site-logo { font-size: 1.25rem; font-weight: 700; color: #0d3b66; }
.site-logo:hover { text-decoration: none; }
.main-nav { display: flex; align-items: center; gap: 1.5rem; }
.main-nav a { font-size: .9rem; color: #333; font-weight: 500; }
.main-nav a:hover { color: #0d3b66; }
.nav-cta { background: #0d3b66; color: #fff !important; padding: .5rem 1.1rem; border-radius: 4px; font-weight: 600; }
.nav-cta:hover { background: #1a5276; text-decoration: none !important; }

/* Mobile nav toggle */
.nav-toggle { display: none; background: none; border: none; font-size: 1.5rem; cursor: pointer; color: #333; padding: .25rem; }

/* === HERO === */
.hero { padding: 4rem 1.25rem 3.5rem; text-align: center; background: linear-gradient(135deg, #f0f4f8 0%, #e8eef3 100%); }
.hero h1 { font-size: 2.25rem; color: #0d3b66; margin-bottom: 1rem; line-height: 1.25; }
.hero p { font-size: 1.15rem; color: #444; max-width: 680px; margin: 0 auto 1.75rem; }

/* === BUTTONS === */
.btn { display: inline-block; padding: .75rem 1.75rem; border-radius: 4px; font-weight: 600; font-size: 1rem; text-align: center; cursor: pointer; border: none; transition: background .2s, transform .1s; }
.btn:hover { text-decoration: none; transform: translateY(-1px); }
.btn-primary { background: #0d3b66; color: #fff; }
.btn-primary:hover { background: #1a5276; color: #fff; }
.btn-secondary { background: #fff; color: #0d3b66; border: 2px solid #0d3b66; }
.btn-secondary:hover { background: #f0f4f8; color: #0d3b66; }
.btn-large { padding: .9rem 2.25rem; font-size: 1.1rem; }

/* === SECTIONS === */
section { padding: 3.5rem 1.25rem; }
section:nth-child(even) { background: #f8f9fa; }
.section-header { text-align: center; margin-bottom: 2.5rem; }
.section-header h2 { font-size: 1.75rem; color: #0d3b66; margin-bottom: .5rem; }
.section-header p { color: #555; max-width: 600px; margin: 0 auto; }

/* === FEATURE / BENEFIT GRID === */
.grid { display: grid; gap: 1.75rem; }
.grid-2 { grid-template-columns: repeat(2, 1fr); }
.grid-3 { grid-template-columns: repeat(3, 1fr); }
.grid-4 { grid-template-columns: repeat(4, 1fr); }
.card { background: #fff; border: 1px solid #e0e0e0; border-radius: 6px; padding: 1.75rem; }
.card h3 { font-size: 1.15rem; color: #0d3b66; margin-bottom: .5rem; }
.card p { color: #555; font-size: .95rem; }

/* === CTA BANNER === */
.cta-banner { background: #0d3b66; color: #fff; text-align: center; padding: 3rem 1.25rem; }
.cta-banner h2 { font-size: 1.75rem; margin-bottom: .75rem; color: #fff; }
.cta-banner p { margin-bottom: 1.5rem; color: #cfdce6; max-width: 550px; margin-left: auto; margin-right: auto; margin-bottom: 1.5rem; }
.cta-banner .btn-primary { background: #fff; color: #0d3b66; }
.cta-banner .btn-primary:hover { background: #e8eef3; }

/* === TRUST BAR === */
.trust-bar { display: flex; flex-wrap: wrap; justify-content: center; gap: 2rem; padding: 2rem 1.25rem; }
.trust-item { text-align: center; font-size: .9rem; color: #555; font-weight: 500; }
.trust-item strong { display: block; font-size: 1.5rem; color: #0d3b66; }

/* === FAQ === */
.faq-list { max-width: 760px; margin: 0 auto; }
.faq-item { border-bottom: 1px solid #e0e0e0; padding: 1.25rem 0; }
.faq-item h3 { font-size: 1.05rem; color: #1a1a2e; cursor: pointer; display: flex; justify-content: space-between; align-items: center; }
.faq-item h3::after { content: "+"; font-size: 1.25rem; color: #0d3b66; transition: transform .2s; }
.faq-item.open h3::after { content: "\2212"; }
.faq-answer { max-height: 0; overflow: hidden; transition: max-height .3s ease; }
.faq-item.open .faq-answer { max-height: 500px; }
.faq-answer p { padding-top: .75rem; color: #555; font-size: .95rem; }

/* === PRICING === */
.pricing-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; max-width: 960px; margin: 0 auto; }
.price-card { background: #fff; border: 2px solid #e0e0e0; border-radius: 8px; padding: 2rem 1.5rem; text-align: center; }
.price-card.featured { border-color: #0d3b66; position: relative; }
.price-card.featured::before { content: "Most Popular"; position: absolute; top: -12px; left: 50%; transform: translateX(-50%); background: #0d3b66; color: #fff; padding: .2rem .9rem; border-radius: 12px; font-size: .8rem; font-weight: 600; }
.price-card h3 { font-size: 1.25rem; color: #0d3b66; margin-bottom: .5rem; }
.price-amount { font-size: 2.5rem; font-weight: 700; color: #1a1a2e; margin: .75rem 0; }
.price-amount span { font-size: .9rem; font-weight: 400; color: #777; }
.price-card ul { list-style: none; padding: 0; margin: 1.25rem 0; text-align: left; }
.price-card li { padding: .35rem 0; font-size: .9rem; color: #555; padding-left: 1.25rem; position: relative; }
.price-card li::before { content: "\2713"; position: absolute; left: 0; color: #27ae60; font-weight: 700; }

/* === CONTENT PAGE === */
.page-content { max-width: 760px; margin: 0 auto; padding: 2.5rem 1.25rem; }
.page-content h1 { font-size: 2rem; color: #0d3b66; margin-bottom: 1rem; }
.page-content h2 { font-size: 1.4rem; color: #0d3b66; margin: 2rem 0 .75rem; }
.page-content h3 { font-size: 1.15rem; color: #1a1a2e; margin: 1.5rem 0 .5rem; }
.page-content p { margin-bottom: 1rem; color: #333; }
.page-content ul, .page-content ol { margin-bottom: 1rem; }
.page-content li { margin-bottom: .35rem; color: #444; }
.page-content a { color: #1a5276; text-decoration: underline; }

/* === BREADCRUMB === */
.breadcrumb { padding: .75rem 1.25rem; font-size: .85rem; color: #777; }
.breadcrumb a { color: #1a5276; }
.breadcrumb span { margin: 0 .35rem; }

/* === CONTACT FORM === */
.contact-form { max-width: 560px; margin: 0 auto; }
.form-group { margin-bottom: 1.25rem; }
.form-group label { display: block; font-weight: 600; margin-bottom: .35rem; font-size: .9rem; color: #333; }
.form-group input, .form-group textarea, .form-group select {
  width: 100%; padding: .65rem .85rem; border: 1px solid #ccc; border-radius: 4px;
  font-size: .95rem; font-family: inherit; color: #333;
}
.form-group textarea { min-height: 120px; resize: vertical; }
.form-group input:focus, .form-group textarea:focus, .form-group select:focus {
  outline: none; border-color: #0d3b66; box-shadow: 0 0 0 2px rgba(13,59,102,.15);
}

/* === FOOTER === */
.site-footer { background: #1a1a2e; color: #aaa; padding: 3rem 1.25rem 1.5rem; }
.footer-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 2rem; max-width: 1100px; margin: 0 auto 2rem; }
.footer-col h4 { color: #fff; font-size: .95rem; margin-bottom: .75rem; }
.footer-col a { display: block; color: #aaa; font-size: .85rem; padding: .2rem 0; }
.footer-col a:hover { color: #fff; }
.footer-bottom { text-align: center; padding-top: 1.5rem; border-top: 1px solid #333; font-size: .8rem; max-width: 1100px; margin: 0 auto; }

/* === COMPARISON TABLE === */
.comparison-table { width: 100%; border-collapse: collapse; margin: 1.5rem 0; }
.comparison-table th, .comparison-table td { padding: .75rem 1rem; text-align: left; border-bottom: 1px solid #e0e0e0; font-size: .9rem; }
.comparison-table th { background: #f0f4f8; color: #0d3b66; font-weight: 600; }
.comparison-table tr:hover { background: #f8f9fa; }

/* === RELATED PAGES === */
.related-pages { padding: 2rem 0; }
.related-pages h2 { font-size: 1.25rem; color: #0d3b66; margin-bottom: 1rem; }
.related-links { display: flex; flex-wrap: wrap; gap: .75rem; }
.related-links a { background: #f0f4f8; padding: .5rem 1rem; border-radius: 4px; font-size: .9rem; color: #0d3b66; font-weight: 500; }
.related-links a:hover { background: #e0e8f0; text-decoration: none; }

/* === RESPONSIVE === */
@media (max-width: 768px) {
  .nav-toggle { display: block; }
  .main-nav { display: none; flex-direction: column; position: absolute; top: 100%; left: 0; right: 0; background: #fff; border-bottom: 1px solid #e0e0e0; padding: 1rem; gap: .75rem; }
  .main-nav.open { display: flex; }
  .hero h1 { font-size: 1.75rem; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .pricing-grid { grid-template-columns: 1fr; max-width: 400px; }
  .footer-grid { grid-template-columns: repeat(2, 1fr); }
  .trust-bar { gap: 1.25rem; }
  .header-inner { flex-wrap: wrap; }
}
@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
  section { padding: 2.5rem 1rem; }
  .hero { padding: 3rem 1rem 2.5rem; }
}