*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }

:root {
  --navy: #1a3a6b;
  --navy-light: #4a7fc1;
  --navy-pale: #e6f1fb;
  --white: #ffffff;
  --gray-50: #f8f9fa;
  --gray-100: #f1f3f5;
  --gray-200: #e9ecef;
  --gray-400: #adb5bd;
  --gray-600: #6c757d;
  --gray-900: #1a1a2e;
  --radius: 8px;
  --max-width: 1100px;
}

body {
  font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif;
  color: var(--gray-900);
  background: var(--white);
  line-height: 1.7;
}

/* NAV */
.nav {
  background: var(--navy);
  padding: 0 40px;
  height: 64px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  position: sticky;
  top: 0;
  z-index: 100;
}
.nav-brand { display: flex; align-items: center; gap: 12px; text-decoration: none; }
.nav-badge {
  width: 44px; height: 44px;
  background: var(--white);
  border-radius: 10px;
  display: flex; align-items: center; justify-content: center;
  font-size: 14px; font-weight: 900; color: var(--navy); letter-spacing: -2px;
  flex-shrink: 0;
  box-shadow: 0 4px 16px rgba(26,58,107,0.3);
}
.nav-name { color: var(--white); font-size: 15px; font-weight: 500; }
.nav-links { display: flex; gap: 28px; }
.nav-links a {
  color: rgba(255,255,255,0.8);
  text-decoration: none;
  font-size: 14px;
  transition: color 0.2s;
}
.nav-links a:hover { color: var(--white); }
.nav-toggle { display: none; background: none; border: none; color: var(--white); font-size: 22px; cursor: pointer; }

.mobile-menu {
  display: none;
  flex-direction: column;
  background: var(--navy);
  padding: 12px 24px 20px;
  gap: 16px;
}
.mobile-menu.open { display: flex; }
.mobile-menu a { color: rgba(255,255,255,0.85); text-decoration: none; font-size: 15px; }

/* HERO */
.hero {
  background: var(--navy);
  padding: 72px 40px 80px;
  text-align: center;
  border-bottom: 4px solid var(--navy-light);
}
.hero-inner { max-width: 580px; margin: 0 auto; }
.hero-tag {
  display: inline-block;
  background: rgba(74,127,193,0.25);
  color: #b5d4f4;
  font-size: 11px;
  font-weight: 600;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  padding: 5px 14px;
  border-radius: var(--radius);
  margin-bottom: 20px;
}
.hero h1 {
  color: var(--white);
  font-size: 42px;
  font-weight: 700;
  line-height: 1.2;
  margin-bottom: 16px;
}
.hero p {
  color: rgba(255,255,255,0.75);
  font-size: 16px;
  line-height: 1.7;
  margin-bottom: 32px;
}
.hero-btns { display: flex; gap: 12px; justify-content: center; flex-wrap: wrap; }
.btn-primary {
  background: var(--white);
  color: var(--navy);
  padding: 12px 28px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 600;
  text-decoration: none;
  transition: opacity 0.2s;
}
.btn-primary:hover { opacity: 0.9; }
.btn-secondary {
  background: transparent;
  color: var(--white);
  padding: 12px 28px;
  border-radius: var(--radius);
  font-size: 15px;
  font-weight: 500;
  text-decoration: none;
  border: 1.5px solid rgba(255,255,255,0.4);
  transition: border-color 0.2s, background 0.2s;
}
.btn-secondary:hover { border-color: var(--white); background: rgba(255,255,255,0.08); }

/* SECTIONS */
.section { padding: 64px 40px; }
.section-alt { background: var(--gray-50); }
.container { max-width: var(--max-width); margin: 0 auto; }
.section-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: var(--navy-light);
  margin-bottom: 8px;
}
.section h2 {
  font-size: 28px;
  font-weight: 700;
  color: var(--navy);
  margin-bottom: 32px;
}

/* PRODUCTS */
.products-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(180px, 1fr));
  gap: 16px;
}
.product-card {
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: 12px;
  padding: 24px 20px;
  transition: border-color 0.2s;
}
.product-card:hover { border-color: var(--navy-light); }
.product-icon { color: var(--navy); margin-bottom: 14px; }
.product-card h3 {
  font-size: 15px;
  font-weight: 600;
  color: var(--navy);
  margin-bottom: 10px;
}
.product-card ul { list-style: none; }
.product-card li {
  font-size: 13px;
  color: var(--gray-600);
  line-height: 1.9;
}

/* INSURANCE */
.insurance-row { display: flex; gap: 12px; flex-wrap: wrap; margin-bottom: 16px; }
.ins-badge {
  display: flex;
  align-items: center;
  gap: 8px;
  background: var(--white);
  border: 1px solid var(--gray-200);
  border-radius: var(--radius);
  padding: 10px 18px;
  font-size: 14px;
  font-weight: 500;
  color: var(--gray-900);
}
.ins-badge svg { color: #1a7f4b; flex-shrink: 0; }
.insurance-note { font-size: 14px; color: var(--gray-600); }

/* CONTACT */
.contact-grid {
  display: grid;
  grid-template-columns: repeat(auto-fit, minmax(260px, 1fr));
  gap: 28px;
}
.contact-item { display: flex; gap: 16px; align-items: flex-start; }
.contact-icon-wrap {
  width: 44px; height: 44px;
  background: var(--navy-pale);
  border-radius: var(--radius);
  display: flex; align-items: center; justify-content: center;
  color: var(--navy);
  flex-shrink: 0;
}
.contact-label {
  font-size: 11px;
  font-weight: 700;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--gray-400);
  margin-bottom: 4px;
}
.contact-val { font-size: 14px; font-weight: 500; color: var(--gray-900); line-height: 1.7; }
.contact-val a { color: var(--navy); text-decoration: none; }
.contact-val a:hover { text-decoration: underline; }

/* FOOTER */
.footer {
  background: var(--navy);
  padding: 24px 40px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  flex-wrap: wrap;
  gap: 8px;
}
.footer p { color: rgba(255,255,255,0.55); font-size: 13px; }
.footer-motto { color: rgba(255,255,255,0.4); font-size: 13px; font-style: italic; }

/* RESPONSIVE */
@media (max-width: 768px) {
  .nav { padding: 0 20px; }
  .nav-links { display: none; }
  .nav-toggle { display: block; }
  .hero { padding: 48px 24px 56px; }
  .hero h1 { font-size: 30px; }
  .section { padding: 48px 24px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer { flex-direction: column; align-items: flex-start; padding: 20px 24px; }
  .nav-name { font-size: 13px; }
}