:root {
  --steel:   #2f3742;
  --steel-d: #1b2129;
  --ink:     #16191d;
  --ink-2:   #545e6b;
  --paper:   #f4f5f6;
  --white:   #fff;
  --rule:    #d8dce0;
  --safety:  #c8621a;
  --safety-d:#a34f13;
}
* { box-sizing: border-box; }
body {
  margin: 0; background: var(--white); color: var(--ink);
  font: 17px/1.6 -apple-system, "Segoe UI", system-ui, sans-serif;
  -webkit-font-smoothing: antialiased;
}
.inner { max-width: 1000px; margin: 0 auto; padding: 0 1.25rem; }

/* header */
.top { background: var(--steel-d); color: #fff; position: sticky; top: 0; z-index: 10; }
.bar { max-width: 1000px; margin: 0 auto; padding: .7rem 1.25rem;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.mark-h { font-weight: 800; letter-spacing: .06em; font-size: 1.15rem; }
.mark-full { display: block; font-size: .74rem; opacity: .72; letter-spacing: .04em; }
.callnow { color: #fff; font-weight: 700; text-decoration: none; font-size: 1.1rem;
  border: 2px solid var(--safety); padding: .35rem .8rem; border-radius: 4px;
  background: var(--safety); white-space: nowrap; }
.callnow:hover { background: var(--safety-d); border-color: var(--safety-d); }

/* hero */
.hero { background: var(--steel); color: #fff; padding: 3.2rem 0 2.6rem; }
.kicker { margin: 0 0 .7rem; font-size: .76rem; letter-spacing: .16em;
  text-transform: uppercase; color: #b7c0cb; }
.hero h1 { margin: 0 0 .9rem; font-size: clamp(1.85rem, 4.6vw, 2.9rem); line-height: 1.1;
  letter-spacing: -.02em; max-width: 20ch; }
.lede { margin: 0 0 1.5rem; font-size: 1.1rem; color: #dbe1e8; max-width: 60ch; }
.cta-row { display: flex; gap: .7rem; flex-wrap: wrap; }
.btn { display: inline-block; padding: .7rem 1.3rem; border-radius: 4px;
  text-decoration: none; font-weight: 700; border: 2px solid #fff; color: #fff; }
.btn.primary { background: var(--safety); border-color: var(--safety); }
.btn.primary:hover { background: var(--safety-d); border-color: var(--safety-d); }
.btn:hover { background: rgba(255,255,255,.12); }
.reassure { margin: 1.2rem 0 0; font-size: .95rem; color: #b7c0cb; font-style: italic; }

/* strip */
.strip { background: var(--paper); border-bottom: 1px solid var(--rule); }
.strip-grid { display: grid; grid-template-columns: repeat(auto-fit, minmax(200px,1fr));
  gap: 1.2rem; padding-top: 1.4rem; padding-bottom: 1.4rem; }
.strip-grid b { display: block; font-size: 1.25rem; }
.strip-grid span { font-size: .92rem; color: var(--ink-2); }

/* sections */
main section { padding: 2.8rem 0; border-bottom: 1px solid var(--rule); }
main section:last-child { border-bottom: 0; }
h2 { font-size: 1.65rem; letter-spacing: -.015em; margin: 0 0 1.1rem; }
h3 { font-size: 1.08rem; margin: 0 0 .35rem; }
.cards { display: grid; grid-template-columns: repeat(auto-fit, minmax(260px,1fr)); gap: 1.2rem; }
.cards article { border-left: 3px solid var(--safety); padding-left: 1rem; }
.cards p { margin: 0; color: var(--ink-2); }
.who-list { columns: 2; column-gap: 2rem; padding-left: 1.1rem; margin: 0 0 1.2rem; }
.who-list li { margin-bottom: .3rem; }
.area { color: var(--ink-2); margin: 0; }
.plain { color: var(--ink-2); max-width: 62ch; }
.small { font-size: .92rem; }
.rates { border-collapse: collapse; margin: 1rem 0; width: 100%; max-width: 520px; }
.rates th, .rates td { text-align: left; padding: .55rem .2rem; border-bottom: 1px solid var(--rule); }
.rates th { font-weight: 700; width: 45%; }

/* quote form */
.quote { background: var(--paper); margin: 0 -1.25rem; padding-left: 1.25rem; padding-right: 1.25rem; }
.quote-form { display: grid; grid-template-columns: repeat(auto-fit, minmax(230px,1fr));
  gap: .9rem; margin-top: 1.3rem; max-width: 760px; }
.quote-form label { display: flex; flex-direction: column; gap: .3rem;
  font-size: .88rem; font-weight: 600; color: var(--ink); }
.quote-form .wide { grid-column: 1 / -1; }
.quote-form input, .quote-form textarea, .quote-form select {
  font: inherit; font-size: .96rem; font-weight: 400; padding: .55rem .65rem;
  border: 1px solid #b9c0c8; border-radius: 4px; background: #fff; color: var(--ink); }
.quote-form input:focus, .quote-form textarea:focus, .quote-form select:focus {
  outline: 2px solid var(--safety); outline-offset: 1px; border-color: var(--safety); }
.quote-form button { grid-column: 1 / -1; justify-self: start; font: inherit;
  font-weight: 700; padding: .7rem 1.6rem; border: 0; border-radius: 4px;
  background: var(--safety); color: #fff; cursor: pointer; }
.quote-form button:hover { background: var(--safety-d); }

/* footer */
footer { background: var(--steel-d); color: #cdd4dc; padding: 2rem 0 1.2rem; margin-top: 0; }
.foot { display: grid; grid-template-columns: repeat(auto-fit, minmax(240px,1fr)); gap: 1.4rem; }
footer b { color: #fff; }
footer a { color: #fff; }
.testnote { max-width: 1000px; margin: 1.6rem auto 0; padding: .8rem 1.25rem 0;
  border-top: 1px solid #333b45; font-size: .8rem; color: #8a939e; }

@media (max-width: 560px) {
  .who-list { columns: 1; }
  .mark-full { display: none; }
}
@media (prefers-reduced-motion: reduce) { * { transition: none !important; } }