:root{
  --ink:#0B2340;
  --muted:#617383;
  --blue:#146C94;
  --teal:#1AA7A1;
  --gold:#D6A84F;
  --cream:#FFF8E7;
  --soft:#F6FBFC;
  --line:#DDECF0;
  --white:#ffffff;
  --shadow:0 24px 65px rgba(11,35,64,.14);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:linear-gradient(180deg,#fff 0%,#F7FCFF 48%,#FFF8E7 100%)}
a{color:inherit}
.top-strip{background:linear-gradient(90deg,var(--ink),var(--blue));color:#fff;text-align:center;padding:10px 18px;font-size:14px;font-weight:800}
.site-header{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:20px clamp(20px,5vw,72px);background:rgba(255,255,255,.9);backdrop-filter:blur(18px);position:sticky;top:0;z-index:20;border-bottom:1px solid rgba(20,108,148,.11)}
.logo-wrap img{width:300px;max-width:72vw;display:block}
nav{display:flex;align-items:center;gap:18px;font-weight:850;color:#385266;flex-wrap:wrap}
nav a{text-decoration:none;font-size:14px}
.nav-cta{background:var(--ink);color:#fff;padding:12px 18px;border-radius:999px;box-shadow:0 10px 25px rgba(18,48,68,.18)}
.hero{min-height:740px;position:relative;background-image:url("assets/hero-protection.svg");background-size:cover;background-position:center;display:grid;grid-template-columns:minmax(0,1fr) 390px;gap:42px;align-items:center;padding:72px clamp(20px,5vw,72px);overflow:hidden}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(90deg,rgba(255,255,255,.97),rgba(255,255,255,.82) 48%,rgba(255,255,255,.42))}
.hero-content,.hero-card{position:relative;z-index:1}
.eyebrow,.section-kicker{color:var(--blue);text-transform:uppercase;letter-spacing:2.5px;font-size:12px;font-weight:950;margin-bottom:16px}
h1,h2,h3,p{margin-top:0}
h1{font-size:clamp(42px,6vw,78px);line-height:.95;letter-spacing:-3px;max-width:870px;margin-bottom:26px}
.hero-sub{max-width:760px;color:#425B6B;font-size:21px;line-height:1.65;margin-bottom:32px}
.hero-actions,.footer-links{display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:54px;padding:0 24px;border-radius:999px;text-decoration:none;font-weight:950;border:1px solid transparent;cursor:pointer}
.btn.primary{background:linear-gradient(135deg,var(--ink),var(--blue));color:#fff;box-shadow:0 18px 40px rgba(20,108,148,.22)}
.btn.secondary{background:#fff;color:var(--ink);border-color:var(--line);box-shadow:0 12px 30px rgba(18,48,68,.10)}
.trust-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:32px}
.trust-row span,.license-chips span,.chips span{background:rgba(255,255,255,.78);border:1px solid var(--line);padding:10px 13px;border-radius:999px;color:#456171;font-weight:850;font-size:13px}
.hero-card{align-self:end;background:rgba(255,255,255,.9);backdrop-filter:blur(18px);border:1px solid rgba(214,168,79,.35);padding:30px;border-radius:32px;box-shadow:var(--shadow)}
.hero-card h3{font-size:27px}.hero-card p{color:var(--muted);line-height:1.6}.hero-card a{font-weight:950;color:var(--blue);text-decoration:none}
.authority,.solutions,.ltc-panel,.quiz-section,.who,.consultation,.faq,.disclosure{margin:70px clamp(20px,5vw,72px)}
.authority,.ltc-panel,.quiz-section,.who,.consultation,.faq,.disclosure{background:#fff;border:1px solid var(--line);border-radius:42px;padding:42px;box-shadow:var(--shadow)}
.authority-grid{display:grid;grid-template-columns:220px 1fr;gap:32px;align-items:center}
.avatar{width:170px;height:170px;border-radius:50%;background:linear-gradient(135deg,var(--ink),var(--blue),var(--gold));display:grid;place-items:center;color:#fff;font-size:48px;font-weight:950;border:7px solid #fff;box-shadow:0 18px 40px rgba(11,35,64,.18)}
h2{font-size:clamp(32px,4vw,54px);line-height:1.02;letter-spacing:-2px;margin-bottom:18px}
.business-bridge{
    margin:70px clamp(20px,5vw,72px);
    background:
        radial-gradient(circle at top right, rgba(201,169,110,.18), transparent 28%),
        linear-gradient(135deg,#0B0F17,#111827);
    border:1px solid rgba(201,169,110,.25);
    border-radius:42px;
    padding:50px;
    text-align:center;
    box-shadow:0 24px 60px rgba(0,0,0,.35);
}

.business-bridge h2{
    color:#fff;
    margin-bottom:20px;
}

.business-bridge p{
    color:#B8C0CA;
    max-width:850px;
    margin:0 auto 30px;
    line-height:1.7;
}
p,.section-sub{color:var(--muted);font-size:18px;line-height:1.7}
.license-chips,.chips{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.solutions{text-align:center}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px;text-align:left}
.card{background:#fff;border:1px solid var(--line);border-radius:28px;padding:26px;box-shadow:0 14px 38px rgba(18,48,68,.08);min-height:220px;transition:.2s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.card.featured{border-color:rgba(214,168,79,.7);background:linear-gradient(180deg,#fff,#FFF9E9)}
.card h3{font-size:25px;margin:12px 0}.card p{font-size:16px}.card a{color:var(--blue);font-weight:950;text-decoration:none}
.badge{display:inline-flex;background:#F3F9FB;color:var(--blue);border:1px solid var(--line);padding:8px 12px;border-radius:999px;font-size:12px;font-weight:950;text-transform:uppercase;letter-spacing:1.5px}
.ltc-panel{display:grid;grid-template-columns:1.2fr .8fr;gap:34px;align-items:center;background:linear-gradient(135deg,#fff,#F3FBFA)}
.checklist{display:grid;gap:12px}.checklist div{background:#fff;border:1px solid var(--line);padding:16px;border-radius:18px;font-weight:850;color:#385266}
.quiz-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:15px;margin-bottom:20px}
select,input,textarea{width:100%;padding:15px;border-radius:14px;border:1px solid var(--line);font:inherit;background:#fff}
textarea{min-height:120px;resize:vertical}
.quiz-result{margin-top:20px;font-weight:850;color:#385266;background:#F5FAFC;border:1px solid var(--line);border-radius:18px;padding:18px;display:none}
.quiz-result:not(:empty){display:block}
.who{text-align:center}.chips{justify-content:center}
.consultation{display:grid;grid-template-columns:.9fr 1.1fr;gap:34px;align-items:start;background:linear-gradient(135deg,var(--ink),#1D6E8F);color:#fff}
.consultation .section-kicker{color:#FFE5A8}.consultation p,.consultation small{color:rgba(255,255,255,.82)}
.lead-form{display:grid;gap:12px;background:#fff;border-radius:28px;padding:26px;box-shadow:0 18px 45px rgba(0,0,0,.18)}
.hidden-field{position:absolute;left:-9999px}
.faq details{border-top:1px solid var(--line);padding:20px 0}.faq details:last-child{border-bottom:1px solid var(--line)}
summary{cursor:pointer;font-size:19px;font-weight:950;color:var(--ink)}
details p{font-size:16px;margin:14px 0 0}
.disclosure{font-size:14px;color:#5D7180;line-height:1.65;border-radius:24px}
footer{padding:55px clamp(20px,5vw,72px);background:#fff;border-top:1px solid var(--line)}
footer img{width:300px;max-width:80vw}footer p{margin:18px 0}.footer-links a{color:var(--blue);text-decoration:none;font-weight:950}
@media(max-width:980px){
  .site-header{align-items:flex-start;flex-direction:column}
  nav{width:100%;overflow:auto;padding-bottom:4px}
  .hero{grid-template-columns:1fr;min-height:auto}
  .hero-card{align-self:auto;max-width:520px}
  .authority-grid,.ltc-panel,.consultation{grid-template-columns:1fr}
  .grid{grid-template-columns:1fr 1fr}
  .quiz-grid{grid-template-columns:1fr}
}
@media(max-width:640px){
  h1{letter-spacing:-1.6px}
  .grid{grid-template-columns:1fr}
  .authority,.ltc-panel,.quiz-section,.who,.consultation,.faq{padding:28px;border-radius:30px}
  .hero{padding-top:48px}
  .avatar{width:128px;height:128px;font-size:36px}
}