:root{ --navy:#0f1d3a; --navy2:#16294f; --gold:#f4b740; --red:#c8322b; --ink:#13202f; --muted:#5b6b7d; --line:#dfe5ec; --bg:#f5f7fb; }
*{box-sizing:border-box}
body{margin:0;background:var(--bg);color:var(--ink);font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif}
.wrap{max-width:1040px;margin:0 auto;padding:0 20px}
a{color:var(--navy)}
/* top bar */
.bar{background:var(--navy);color:#fff;position:sticky;top:0;z-index:10}
.barflex{display:flex;align-items:center;justify-content:space-between;padding:12px 20px}
.logo{font-weight:900;font-size:22px;letter-spacing:.5px;color:#fff}
.callbtn{background:var(--gold);color:var(--navy)!important;font-weight:800;text-decoration:none;padding:9px 16px;border-radius:8px;font-size:15px}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy),var(--navy2));color:#fff;text-align:center;padding:60px 0 56px}
.hero .eyebrow{color:var(--gold);font-weight:700;letter-spacing:.12em;text-transform:uppercase;font-size:13px;margin:0 0 14px}
.hero h1{font-size:clamp(40px,8vw,76px);font-weight:900;letter-spacing:-.01em;margin:0;line-height:1}
.hero .tag{font-size:clamp(20px,3.4vw,28px);font-style:italic;color:var(--gold);margin:14px 0 6px;font-weight:700}
.hero .sub{color:#c8d4e6;max-width:600px;margin:8px auto 26px;font-size:18px}
.cta{display:inline-block;background:var(--red);color:#fff!important;text-decoration:none;font-weight:800;font-size:20px;padding:16px 34px;border-radius:12px;box-shadow:0 6px 0 #9c241f}
.cta:active{transform:translateY(3px);box-shadow:0 3px 0 #9c241f}
.cta.sm{font-size:16px;padding:12px 22px;box-shadow:0 5px 0 #9c241f}
.dialnote{color:#9fb0c9;font-size:14px;margin-top:14px}
/* body */
main{padding:48px 0}
h2{font-size:24px;color:var(--navy);margin:0 0 12px}
.cols{display:grid;grid-template-columns:1fr 1fr;gap:34px}
.col{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px}
.col .col, .ticks{margin:0}
.ticks{list-style:none;padding:0;margin:14px 0}
.ticks li{padding:6px 0 6px 28px;position:relative}
.ticks li:before{content:"✓";position:absolute;left:0;color:var(--red);font-weight:900}
.pay{background:#fff7e6;border:1px solid var(--gold);border-radius:10px;padding:12px 14px;margin-top:16px}
/* contact */
.contact{background:#fff;border:1px solid var(--line);border-radius:14px;padding:28px;margin-top:34px}
.form{display:flex;flex-direction:column;gap:14px;max-width:640px}
.form .row{display:flex;gap:14px}
.form label{display:flex;flex-direction:column;gap:6px;flex:1;font-size:13px;color:var(--muted);font-weight:600}
.form input,.form select,.form textarea{padding:11px 13px;border:1px solid var(--line);border-radius:9px;font-size:15px;font-family:inherit;background:#fbfdff}
.form button{align-self:flex-start;background:var(--navy);color:#fff;border:0;border-radius:10px;padding:13px 30px;font-size:16px;font-weight:800;cursor:pointer}
.ok{background:#e6f6ec;border:1px solid #4fa66a;color:#1f6b3a;padding:14px 16px;border-radius:10px;font-size:17px}
.err{background:#fde9e7;border:1px solid var(--red);color:var(--red);padding:12px 14px;border-radius:9px}
/* footer */
.foot{background:var(--navy);color:#c8d4e6;margin-top:48px;padding:30px 0}
.foot a{color:var(--gold)}
.fine{color:#8ea1bd;font-size:13px;margin-top:8px}
@media(max-width:720px){.cols{grid-template-columns:1fr}.form .row{flex-direction:column}}