:root{--navy:#071c38;--navy2:#102b4d;--gold:#c6a15b;--ivory:#f7f6f2;--mist:#eef1f3;--ink:#142238;--muted:#667181;--white:#fff;--line:#dfe3e7;--radius:2px;--shadow:0 24px 60px rgba(7,28,56,.12)}

*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;color:var(--ink);background:var(--white);font-family:"DM Sans",sans-serif;font-weight:300;line-height:1.65;-webkit-font-smoothing:antialiased}
body.menu-open{overflow:hidden}
h1,h2,h3,p{margin-top:0}
h1,h2,h3{font-family:"Manrope",sans-serif;color:var(--navy);font-weight:500;line-height:1.12;letter-spacing:-.035em}
h1{font-size:clamp(3rem,6.6vw,6.5rem)}
h2{font-size:clamp(2.2rem,4vw,4rem)}
h3{font-size:1.25rem}
a{color:inherit;text-decoration:none}
button,input,select,textarea{font:inherit}
.skip-link{position:fixed;z-index:1000;left:1rem;top:-5rem;background:#fff;padding:.8rem}
.skip-link:focus{top:1rem}
.site-header{height:88px;display:flex;align-items:center;justify-content:space-between;padding:0 clamp(1.25rem,5vw,5.5rem);position:absolute;top:0;z-index:30;width:100%;color:white;border-bottom:1px solid rgba(255,255,255,.2)}
.site-header.scrolled,.site-header.inner{position:fixed;background:rgba(255,255,255,.96);color:var(--navy);box-shadow:0 1px 20px rgba(7,28,56,.08);backdrop-filter:blur(14px)}
.brand{display:flex;align-items:center;gap:.75rem;z-index:32}
.brand-mark{width:40px;height:40px;fill:none;stroke:currentColor;stroke-width:.8}
.brand-mark .needle{fill:var(--gold);stroke:none}
.brand span{display:flex;flex-direction:column;line-height:1}
.brand b{font-size:1rem;letter-spacing:.18em}
.brand small{font-size:.55rem;letter-spacing:.38em;margin-top:.35rem}
.desktop-nav{display:flex;gap:2.25rem;font-size:.85rem;font-weight:500}
.desktop-nav a{position:relative}
.desktop-nav a:after{content:"";position:absolute;left:0;bottom:-.45rem;width:0;height:1px;background:var(--gold);transition:.3s}
.desktop-nav a:hover:after{width:100%}
.header-actions{display:flex;align-items:center;gap:1rem}
.lang-toggle,.menu-toggle{border:0;background:transparent;color:inherit;cursor:pointer;font-size:.78rem;font-weight:600}
.button{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 1.65rem;background:var(--gold);color:var(--navy);font-weight:600;font-size:.84rem;letter-spacing:.02em;border:1px solid var(--gold);transition:.25s;cursor:pointer}
.button:hover{background:#d3b06c;transform:translateY(-2px)}
.button-small{min-height:42px;padding:0 1.15rem}
.button-outline{background:transparent;color:var(--navy);border-color:rgba(7,28,56,.4)}
.button-outline:hover{background:var(--navy);color:white}
.button-light{background:white;border-color:white}
.menu-toggle,.mobile-nav{display:none}
.hero{min-height:850px;height:100vh;position:relative;display:flex;align-items:center;color:white;overflow:hidden;background:var(--navy)}
.hero:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,28,56,.98) 0%,rgba(7,28,56,.82) 32%,rgba(7,28,56,.16) 74%,rgba(7,28,56,.12))}
.hero-image{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-content{position:relative;z-index:2;width:min(760px,90%);margin-left:clamp(1.25rem,8vw,9rem);padding-top:7rem}
.hero h1{color:white;margin:.7rem 0 1.5rem}
.hero h1 span{display:block;color:var(--gold)}
.hero p{font-size:clamp(1.05rem,1.4vw,1.3rem);max-width:620px;color:#dce4ed}
.hero-actions{display:flex;gap:1rem;margin-top:2.2rem}
.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.7rem;font-weight:600;color:#80652e}
.eyebrow.light{color:var(--gold)}
.trust-strip{display:grid;grid-template-columns:repeat(5,1fr);max-width:1300px;margin:-1px auto 0;background:white;box-shadow:var(--shadow);position:relative;z-index:4}
.stat{padding:2.1rem 1.5rem;border-right:1px solid var(--line);text-align:center}
.stat:last-child{border:0}
.stat b{display:block;font-family:"Manrope";font-size:1.6rem;color:var(--navy)}
.stat span{font-size:.72rem;color:var(--muted)}
.section{padding:clamp(5rem,9vw,9rem) clamp(1.25rem,8vw,9rem)}
.section-soft{background:var(--ivory)}
.section-navy{background:var(--navy);color:white}
.section-navy h2,.section-navy h3{color:white}
.section-heading{max-width:760px;margin-bottom:4rem}
.section-heading h2{margin:.7rem 0 1rem}
.section-heading p{color:var(--muted);font-size:1.05rem}
.section-navy .section-heading p{color:#b9c5d3}
.split{display:grid;grid-template-columns:1fr 1fr;gap:clamp(3rem,7vw,8rem);align-items:center}
.split-image{min-height:600px;width:100%;object-fit:cover}
.split-copy{max-width:610px}
.split-copy h2{margin:.7rem 0 1.5rem}
.split-copy p{color:var(--muted);font-size:1.02rem}
.text-link{display:inline-flex;gap:.75rem;align-items:center;margin-top:1.5rem;color:var(--navy);font-size:.85rem;font-weight:600}
.text-link:after{content:"→";color:var(--gold);transition:.2s}
.text-link:hover:after{transform:translateX(5px)}
.service-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.service-card{min-height:280px;padding:2.25rem;border-right:1px solid var(--line);border-bottom:1px solid var(--line);position:relative;transition:.25s;background:white}
.service-card:hover{background:var(--navy);transform:translateY(-4px);box-shadow:var(--shadow)}
.service-card:hover h3,.service-card:hover p,.service-card:hover .card-index{color:white}
.card-index{font-size:.7rem;color:var(--gold);letter-spacing:.12em}
.service-card h3{font-size:1.4rem;margin:3.3rem 0 .8rem}
.service-card p{color:var(--muted);font-size:.88rem}
.service-card:after{content:"↗";position:absolute;right:2rem;bottom:1.8rem;color:var(--gold)}
.coverage-visual{position:relative;height:680px;overflow:hidden}
.coverage-visual img{width:100%;height:100%;object-fit:cover;filter:saturate(.8)}
.coverage-visual:after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(7,28,56,.8),rgba(7,28,56,.05))}
.coverage-panel{position:absolute;z-index:2;left:clamp(1.25rem,8vw,9rem);top:50%;transform:translateY(-50%);background:white;padding:3.5rem;width:min(480px,calc(100% - 2.5rem));box-shadow:var(--shadow)}
.coverage-panel h2{margin:.6rem 0 1rem}
.country-list{margin-top:2rem;border-top:1px solid var(--line)}
.country-list a{display:flex;justify-content:space-between;padding:1rem 0;border-bottom:1px solid var(--line);font-weight:500}
.country-list small{color:var(--gold)}
.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2rem}
.process-step{border-top:1px solid rgba(255,255,255,.25);padding-top:1.5rem}
.process-step span{color:var(--gold);font-size:.72rem}
.process-step h3{margin:1.5rem 0 .75rem}
.process-step p{color:#b9c5d3;font-size:.86rem}
.quote-band{display:grid;grid-template-columns:1.1fr .9fr}
.quote-photo{min-height:600px;width:100%;object-fit:cover}
.quote-content{background:var(--ivory);padding:clamp(3rem,7vw,7rem);display:flex;flex-direction:column;justify-content:center}
.quote-content blockquote{font-family:"Manrope";font-size:clamp(1.5rem,2.3vw,2.3rem);color:var(--navy);line-height:1.4;margin:1rem 0 2rem}
.quote-content cite{font-style:normal;font-size:.8rem;color:var(--muted)}
.insight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem}
.insight-card{padding:2rem;border:1px solid var(--line);min-height:260px;display:flex;flex-direction:column;transition:.25s}
.insight-card:hover{border-color:var(--gold);transform:translateY(-3px)}
.insight-card .tag{font-size:.65rem;text-transform:uppercase;letter-spacing:.13em;color:#80652e}
.insight-card h3{font-size:1.35rem;margin:2.5rem 0 .8rem}
.insight-card p{font-size:.85rem;color:var(--muted)}
.insight-card time{margin-top:auto;font-size:.72rem;color:var(--muted)}
.page-hero{padding:14rem clamp(1.25rem,8vw,9rem) 7rem;background:var(--navy);color:white}
.page-hero h1{font-size:clamp(2.8rem,5vw,5rem);color:white;max-width:950px;margin:.7rem 0 1.5rem}
.page-hero p{max-width:720px;color:#c4d0dc;font-size:1.1rem}
.breadcrumb{font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--gold)}
.content-shell{max-width:1200px;margin:auto;padding:6rem 2rem}
.benefit-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.5rem;margin:3rem 0}
.benefit{background:var(--ivory);padding:2rem}
.benefit svg{width:28px;stroke:var(--gold);fill:none}
.detail-layout{display:grid;grid-template-columns:2fr 1fr;gap:6rem}
.sidebar{position:sticky;top:120px;height:max-content;padding:2rem;background:var(--ivory)}
.sidebar a{display:block;padding:.8rem 0;border-bottom:1px solid var(--line);font-size:.86rem}
.faq-list{margin-top:3rem}
.faq-item{border-top:1px solid var(--line)}
.faq-button{width:100%;border:0;background:none;text-align:left;padding:1.3rem 2rem 1.3rem 0;color:var(--navy);font-weight:500;position:relative;cursor:pointer}
.faq-button:after{content:"+";position:absolute;right:0;color:var(--gold)}
.faq-answer{display:none;color:var(--muted);padding:0 2rem 1.5rem 0}
.faq-item.open .faq-answer{display:block}
.faq-item.open .faq-button:after{content:"−"}
.country-tiles{display:grid;grid-template-columns:repeat(2,1fr);gap:1.5rem}
.country-tile{background:var(--navy);color:white;padding:3rem;min-height:320px;display:flex;flex-direction:column;justify-content:flex-end;position:relative;overflow:hidden}
.country-tile:before{content:"";position:absolute;width:200px;height:200px;border:1px solid rgba(198,161,91,.4);border-radius:50%;right:-50px;top:-50px}
.country-tile h3{color:white;font-size:2rem}
.country-tile p{color:#bdc9d6}
.quote-page{background:var(--ivory)}
.form-wrap{max-width:1050px;margin:auto;padding:6rem 2rem}
.quote-form{background:white;padding:clamp(2rem,5vw,5rem);box-shadow:var(--shadow)}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:1.5rem}
.field{display:flex;flex-direction:column;gap:.45rem}
.field.full{grid-column:1/-1}
.field label{font-size:.75rem;font-weight:600;color:var(--navy)}
.field input,.field select,.field textarea{border:0;border-bottom:1px solid #aeb6bf;padding:.85rem 0;background:transparent;color:var(--ink);outline:none}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--gold)}
.field textarea{min-height:100px;resize:vertical}
.hp-field{position:absolute!important;left:-10000px!important;width:1px!important;height:1px!important;overflow:hidden!important}
.form-note{font-size:.72rem;color:var(--muted);margin:1.8rem 0}
.form-status{min-height:1.5rem;margin:0 0 1rem;font-size:.84rem;font-weight:500}
.form-status.success{color:#176b4d}
.form-status.error{color:#a32a2a}
.quote-form .button:disabled{cursor:wait;opacity:.7;transform:none}
.legal h2{font-size:1.7rem;margin-top:3rem}
.footer{background:#04152b;color:#aebdca;padding:0 clamp(1.25rem,6vw,6rem)}
.footer-lead{padding:7rem 0;border-bottom:1px solid rgba(255,255,255,.14);display:grid;grid-template-columns:1fr auto;align-items:end;gap:2rem}
.footer-lead .eyebrow{grid-column:1}
.footer-lead h2{color:white;max-width:760px;margin:0}
.footer-grid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:4rem;padding:5rem 0}
.brand-light{color:white}
.footer-brand p{margin-top:1.5rem;color:var(--gold);font-family:"Manrope";font-size:1.1rem}
.footer h3{color:white;font-family:"DM Sans";font-size:.72rem;text-transform:uppercase;letter-spacing:.12em}
.footer-grid>div>a{display:block;font-size:.8rem;padding:.35rem 0}
.footer-grid>div>a:hover{color:white}
.footer-bottom{display:flex;justify-content:space-between;padding:1.5rem 0;border-top:1px solid rgba(255,255,255,.14);font-size:.68rem}
.toast{position:fixed;left:50%;bottom:2rem;transform:translate(-50%,120px);background:var(--navy);color:white;padding:1rem 1.5rem;z-index:60;transition:.3s;box-shadow:var(--shadow)}
.toast.show{transform:translate(-50%,0)}
.reveal{opacity:0;transform:translateY(20px);transition:.7s ease}
.reveal.visible{opacity:1;transform:none}

@media(max-width:1000px){.desktop-nav,.header-actions .button-small{display:none}
.menu-toggle{display:block;width:32px;height:32px;position:relative;z-index:32}
.menu-toggle span{display:block;width:24px;height:1px;background:currentColor;margin:7px auto}
.mobile-nav{display:flex;position:fixed;inset:0;background:var(--navy);color:white;z-index:31;flex-direction:column;align-items:center;justify-content:center;gap:1.5rem;font-size:1.5rem;transform:translateY(-100%);transition:.35s}
.mobile-nav.open{transform:none}
.service-grid{grid-template-columns:repeat(2,1fr)}
.process-grid{grid-template-columns:repeat(2,1fr)}
.insight-grid{grid-template-columns:repeat(2,1fr)}
.footer-grid{grid-template-columns:2fr 1fr 1fr}
.footer-grid>div:last-child{grid-column:2}
.detail-layout{grid-template-columns:1fr}
.sidebar{display:none}
}

@media(max-width:700px){h1{font-size:3rem}
.site-header{height:74px;padding:0 1.2rem}
.brand-mark{width:34px}
.hero{min-height:760px;height:92vh}
.hero:after{background:linear-gradient(90deg,rgba(7,28,56,.94),rgba(7,28,56,.58))}
.hero-image{object-position:66% center}
.hero-content{padding-top:5rem}
.hero-actions{flex-direction:column;align-items:flex-start}
.trust-strip{grid-template-columns:repeat(2,1fr)}
.stat:last-child{grid-column:1/-1}
.section{padding:5rem 1.25rem}
.split{grid-template-columns:1fr}
.split-image{min-height:420px;order:2}
.service-grid,.insight-grid,.country-tiles,.benefit-grid{grid-template-columns:1fr}
.service-card{min-height:230px}
.coverage-visual{height:760px}
.coverage-panel{padding:2rem}
.process-grid{grid-template-columns:1fr}
.quote-band{grid-template-columns:1fr}
.quote-photo{min-height:400px}
.page-hero{padding:10rem 1.25rem 5rem}
.content-shell{padding:4rem 1.25rem}
.form-grid{grid-template-columns:1fr}
.field.full{grid-column:auto}
.form-wrap{padding:3rem 1.25rem}
.quote-form{padding:2rem 1.25rem}
.footer-lead{grid-template-columns:1fr}
.footer-lead .eyebrow{grid-column:auto}
.footer-grid{grid-template-columns:1fr 1fr;gap:2.5rem}
.footer-brand{grid-column:1/-1}
.footer-grid>div:last-child{grid-column:auto}
.footer-bottom{flex-direction:column;gap:.5rem}
}

@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}
*,*:before,*:after{animation:none!important;transition:none!important}
.reveal{opacity:1;transform:none}
}