:root{--navy:#0c1f33;--navy2:#071522;--orange:#f28a1a;--orange2:#ff9d2e;--cream:#fff8ef;--bg:#f7f9fc;--text:#102238;--muted:#607086;--line:#dfe6ee;--green:#198754}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.65;background:#fff}a{text-decoration:none;color:inherit}.wrap{max-width:1180px;margin:auto;padding:0 24px}img{max-width:100%}
.topbar{background:var(--navy2);color:#fff;font-size:14px}.topbar .wrap{display:flex;justify-content:space-between;padding-top:9px;padding-bottom:9px;gap:16px}
header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:22px}.logo{font-weight:900;font-size:27px;letter-spacing:-1px}.logo b{color:var(--orange)}nav{display:flex;align-items:center;gap:22px}nav a{font-weight:750}.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--orange);color:#111827;padding:13px 20px;border-radius:12px;font-weight:850;border:0;cursor:pointer}.btn.dark{background:var(--navy);color:#fff}.btn.outline{background:#fff;border:1px solid var(--line)}
.hero{padding:38px 0 46px;background:linear-gradient(135deg,#f4f7fb,#fff8ef)}.hero-grid{display:grid;grid-template-columns:1.05fr .95fr;gap:28px;align-items:stretch}.hero-photo{min-height:620px;border-radius:28px;overflow:hidden;position:relative;background:url('/assets/images/hero.webp') center/cover no-repeat}.hero-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(0deg,rgba(6,21,35,.83),rgba(6,21,35,.05) 58%)}.hero-copy{position:absolute;z-index:2;left:38px;right:38px;bottom:38px;color:#fff}.hero-copy h1{font-size:54px;line-height:1.03;margin:7px 0 14px}.eyebrow{color:var(--orange);font-weight:900;letter-spacing:.09em;text-transform:uppercase;font-size:13px}.checks{display:flex;flex-wrap:wrap;gap:10px 18px;margin-top:18px}.checks span:before{content:"✓";color:#ffad49;font-weight:900;margin-right:7px}
.form{background:#fff;padding:28px;border-radius:28px;box-shadow:0 18px 50px rgba(12,31,51,.10)}.form h2{font-size:31px;margin:0 0 6px}.form p{margin-top:0;color:var(--muted)}.grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field{display:flex;flex-direction:column;font-weight:750}.field input,.field select,.field textarea{margin-top:6px;padding:13px 14px;border:1px solid #cdd8e4;border-radius:11px;font:inherit;background:#fff;min-width:0}.full{grid-column:1/-1}.small{font-size:13px;color:var(--muted)}.upload{padding:13px;border:1px dashed #b7c4d2;border-radius:11px;margin-top:6px}
section{padding:72px 0}.soft{background:var(--bg)}.darksec{background:var(--navy);color:#fff}.cream{background:var(--cream)}.title{font-size:42px;line-height:1.12;margin:7px 0 15px}.lead{font-size:18px;color:var(--muted);max-width:820px}.darksec .lead{color:#d1dae4}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:30px}.card{background:#fff;border:1px solid var(--line);border-radius:20px;overflow:hidden}.card img{width:100%;height:220px;object-fit:cover}.card .pad{padding:22px}.card h3{font-size:22px;margin:0 0 8px}.card a{font-weight:850;color:#c96500}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.step{border:1px solid rgba(255,255,255,.18);padding:25px;border-radius:18px}.num{font-size:37px;font-weight:900;color:var(--orange)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:42px;align-items:center}.split img{width:100%;border-radius:24px;max-height:470px;object-fit:cover}.bullets{padding:0;list-style:none}.bullets li{margin:9px 0}.bullets li:before{content:"✓";color:var(--orange);font-weight:900;margin-right:9px}
.citygrid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.city{padding:25px;background:#fff;border:1px solid #eedfce;border-radius:18px}.city h3{margin-top:0}
.faq details{padding:18px 0;border-bottom:1px solid var(--line)}.faq summary{font-weight:850;font-size:18px;cursor:pointer}.cta{background:linear-gradient(120deg,var(--navy),#173d5d);color:#fff;border-radius:26px;padding:36px;display:flex;justify-content:space-between;gap:26px;align-items:center}.cta h2{margin:0;font-size:34px}
.pagehero{background:var(--navy);color:#fff;padding:58px 0}.pagehero h1{font-size:48px;line-height:1.08;margin:8px 0 12px}.breadcrumbs{font-size:14px;color:#bfd0e2}
.content{max-width:840px}.content h2{font-size:32px;margin-top:38px}.content h3{font-size:23px;margin-top:28px}.content p,.content li{font-size:17px}.content a{color:#b75c00;text-decoration:underline}
.info-grid{display:grid;grid-template-columns:2fr 1fr;gap:35px}.sidebox{background:#fff8ef;border:1px solid #efd8bc;padding:24px;border-radius:18px;height:max-content;position:sticky;top:105px}.article-card{display:grid;grid-template-columns:220px 1fr;gap:22px;border:1px solid var(--line);border-radius:18px;overflow:hidden;margin:18px 0}.article-card img{width:100%;height:100%;object-fit:cover}.article-card .pad{padding:18px}
footer{background:#071522;color:#dbe6ef;padding:48px 0}.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}.foot a{color:#dbe6ef}.copyright{border-top:1px solid #233849;margin-top:30px;padding-top:20px;font-size:14px;color:#9fb1c2}
.floating{position:fixed;right:18px;bottom:18px;z-index:30;display:flex;flex-direction:column;gap:9px}.floating a{padding:11px 16px;border-radius:999px;font-weight:850;color:#fff;background:var(--navy)}.floating a:last-child{background:#20b864}
@media(max-width:900px){nav{display:none}.hero-grid,.split,.info-grid{grid-template-columns:1fr}.hero-photo{min-height:500px}.hero-copy h1{font-size:43px}.cards,.steps,.citygrid{grid-template-columns:1fr 1fr}.sidebox{position:static}}
@media(max-width:620px){.wrap{padding:0 17px}.topbar .wrap{display:block}.hero{padding-top:20px}.hero-photo{min-height:440px}.hero-copy{left:24px;right:24px;bottom:24px}.hero-copy h1{font-size:38px}.grid,.cards,.steps,.citygrid,.foot{grid-template-columns:1fr}.full{grid-column:auto}.form{padding:20px}.title{font-size:33px}.pagehero h1{font-size:38px}.cta{display:block}.cta .btn{margin-top:16px}.article-card{grid-template-columns:1fr}.article-card img{height:210px}}

.two-step-form{min-height:auto}
.form-progress{display:flex;align-items:center;justify-content:center;gap:12px;margin:0 0 24px}
.progress-item{display:flex;align-items:center;gap:8px;color:#8a98a8;font-weight:800}
.progress-item span{width:34px;height:34px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;background:#e8edf3;color:#617186}
.progress-item.active{color:var(--text)}
.progress-item.active span{background:var(--orange);color:#111827}
.progress-line{height:3px;flex:1;max-width:90px;background:#dfe6ee;border-radius:999px}
.form-step{display:none}
.form-step.active{display:block}
.form-actions{display:flex;gap:12px;justify-content:space-between}
.form-actions .btn{flex:1}
@media(max-width:620px){
  .form-progress small{display:none}
  .form-actions{flex-direction:column-reverse}
}

/* V5 compact hero/form */
.hero{padding:22px 0 24px}
.hero-grid{grid-template-columns:1.02fr .98fr;gap:24px;align-items:stretch}
.hero-photo{min-height:525px;height:525px}
.hero-copy{left:30px;right:30px;bottom:28px}
.hero-copy h1{font-size:46px;margin-bottom:10px}
.hero-copy p{margin:0}
.checks{margin-top:12px}

.compact-hero-form{
  height:525px;
  min-height:525px;
  padding:22px 26px;
  overflow:hidden;
  display:flex;
  flex-direction:column;
}
.compact-hero-form .form-progress{flex:0 0 auto;margin:0 0 14px}
.compact-hero-form .progress-item{gap:6px;font-size:13px}
.compact-hero-form .progress-item span{width:29px;height:29px;font-size:13px}
.compact-hero-form .progress-line{max-width:78px}
.compact-hero-form .form-step{display:none!important;flex:1;min-height:0}
.compact-hero-form .form-step.active{display:block!important}
.compact-hero-form h2{font-size:28px;line-height:1.1;margin:0 0 3px}
.compact-hero-form .form-sub{font-size:14px;margin:0 0 12px;color:var(--muted)}
.compact-grid{gap:9px 12px}
.compact-hero-form .field{font-size:14px}
.compact-hero-form .field input,
.compact-hero-form .field select,
.compact-hero-form .field textarea{margin-top:4px;padding:10px 12px;border-radius:10px;line-height:1.2}
.compact-hero-form .btn{padding:11px 16px;border-radius:10px}
.optional-box{border:1px solid #d7e0e9;border-radius:11px;background:#fafbfd;padding:0 12px}
.optional-box summary{padding:10px 0;cursor:pointer;font-weight:800;font-size:14px;list-style:none}
.optional-box summary::-webkit-details-marker{display:none}
.optional-box summary:before{content:"＋";color:var(--orange);font-weight:900;margin-right:7px}
.optional-box[open] summary:before{content:"−"}
.optional-box summary span{font-weight:500;color:var(--muted);font-size:12px;margin-left:6px}
.optional-box[open]{padding-bottom:10px}
.optional-box .field+ .field{margin-top:8px}
.privacy-row{display:flex;align-items:flex-start;gap:8px;font-size:12px;line-height:1.35;color:#53657a}
.privacy-row input{margin-top:2px}
.privacy-row a{text-decoration:underline}
.form-actions{display:grid;grid-template-columns:.38fr 1fr;gap:10px}
.form-actions .btn{width:100%}

@media(min-width:901px) and (max-height:820px){
  .topbar{display:none}
  .nav{min-height:68px}
  .hero{padding:16px 0}
  .hero-photo,.compact-hero-form{height:500px;min-height:500px}
  .hero-copy h1{font-size:42px}
}
@media(max-width:900px){
  .hero-photo{height:auto;min-height:480px}
  .compact-hero-form{height:auto;min-height:0;overflow:visible}
}