:root{
  --navy:#0e2a4e;
  --navy-2:#0a213e;
  --navy-3:#08182e;
  --blue:#3fa1e0;
  --blue-d:#2a86c4;
  --ink:#1b2733;
  --muted:#5c6b7a;
  --line:#e5eaf0;
  --bg:#ffffff;
  --bg-soft:#f4f7fb;
  --gold:#f7b733;
  --radius:16px;
  --shadow:0 18px 50px -20px rgba(10,33,62,.35);
  --shadow-sm:0 8px 24px -12px rgba(10,33,62,.28);
  --max:1180px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{
  margin:0;
  font-family:'Inter',system-ui,-apple-system,Segoe UI,Roboto,Helvetica,Arial,sans-serif;
  color:var(--ink);
  background:var(--bg);
  line-height:1.6;
  -webkit-font-smoothing:antialiased;
}
h1,h2,h3,h4{font-family:'Poppins',system-ui,sans-serif;line-height:1.15;color:var(--navy);margin:0 0 .5em}
h1{font-size:clamp(2.2rem,5.2vw,3.9rem);font-weight:800;letter-spacing:-.02em}
h2{font-size:clamp(1.7rem,3.6vw,2.6rem);font-weight:700;letter-spacing:-.01em}
h3{font-size:1.2rem;font-weight:600}
p{margin:0 0 1rem}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.eyebrow{font-family:'Poppins',sans-serif;font-weight:600;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--blue);margin:0 0 .8rem;display:inline-block}
.section{padding:96px 0}
.section.soft{background:var(--bg-soft)}
.center{text-align:center}
.lead{color:var(--muted);font-size:1.05rem;max-width:620px}
.center .lead{margin-left:auto;margin-right:auto}

/* buttons */
.btn{
  display:inline-flex;align-items:center;gap:.55rem;
  font-family:'Poppins',sans-serif;font-weight:600;font-size:.82rem;letter-spacing:.08em;text-transform:uppercase;
  padding:.95rem 1.7rem;border-radius:999px;cursor:pointer;border:2px solid transparent;
  transition:transform .18s ease,box-shadow .18s ease,background .18s ease,color .18s ease;
}
.btn-primary{background:var(--blue);color:#fff;box-shadow:0 10px 24px -10px rgba(63,161,224,.8)}
.btn-primary:hover{background:var(--blue-d);transform:translateY(-2px)}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.55)}
.btn-ghost:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:var(--navy-3);transform:translateY(-2px)}
.btn svg{width:16px;height:16px}

/* header */
header.site{
  position:sticky;top:0;z-index:60;
  background:rgba(14,42,78,.96);backdrop-filter:blur(8px);
  border-bottom:1px solid rgba(255,255,255,.08);
}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.brand .mark{
  width:42px;height:42px;border-radius:11px;flex:0 0 auto;
  background:linear-gradient(135deg,var(--blue),#7fd0ff);
  display:grid;place-items:center;box-shadow:inset 0 0 0 1px rgba(255,255,255,.25)}
.brand .mark svg{width:24px;height:24px}
.brand b{font-family:'Poppins',sans-serif;font-weight:700;font-size:1.05rem;letter-spacing:.02em;line-height:1.05}
.brand small{display:block;font-size:.62rem;letter-spacing:.14em;text-transform:uppercase;color:#9fc6e8;font-weight:500}
.brand-logo{height:32px;width:auto;display:block}
.foot-brand .brand-logo{height:36px;margin-bottom:2px}
@media(max-width:420px){
  .brand-logo{height:24px}
  .nav-cta{gap:8px}
  .nav-cta .btn-primary{padding:.6rem .9rem;font-size:.68rem}
}
.menu{display:flex;align-items:center;gap:6px;list-style:none;margin:0;padding:0}
.menu a{color:#dfe9f4;font-size:.9rem;font-weight:500;padding:.5rem .85rem;border-radius:8px;transition:color .15s,background .15s}
.menu a:hover,.menu a.active{color:#fff;background:rgba(255,255,255,.08)}

/* desktop services dropdown */
.menu li.has-dropdown{position:relative}
.menu li.has-dropdown > a{display:inline-flex;align-items:center;gap:5px}
.menu .caret{display:inline-block;width:8px;height:8px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin-top:-3px;transition:transform .18s ease}
.menu li.has-dropdown:hover .caret,
.menu li.has-dropdown:focus-within .caret{transform:rotate(-135deg);margin-top:2px}
.dropdown-panel{
  position:absolute;top:100%;left:50%;transform:translateX(-50%) translateY(4px) scale(.97);
  background:#fff;border-radius:14px;box-shadow:var(--shadow);padding:10px;min-width:250px;
  opacity:0;visibility:hidden;pointer-events:none;
  transition:opacity .16s ease,transform .16s ease,visibility .16s;
  z-index:70;
}
.menu li.has-dropdown:hover .dropdown-panel,
.menu li.has-dropdown:focus-within .dropdown-panel{
  opacity:1;visibility:visible;pointer-events:auto;transform:translateX(-50%) translateY(0) scale(1);
}
.dropdown-panel a{display:flex;align-items:center;justify-content:space-between;gap:8px;padding:.6rem .9rem;border-radius:8px;color:var(--navy);font-size:.88rem;font-weight:500;background:none}
.dropdown-panel a:hover{background:var(--bg-soft);color:var(--blue)}
.dropdown-panel .dd-divider{border-top:1px solid var(--line);margin:6px 4px 0;padding-top:6px}
.dropdown-panel .dd-all{color:var(--blue);font-weight:700}
.badge-new{
  display:inline-block;background:linear-gradient(135deg,var(--blue),#7fd0ff);color:#fff;
  font-family:'Poppins',sans-serif;font-weight:700;font-size:.6rem;letter-spacing:.06em;text-transform:uppercase;
  padding:2px 7px;border-radius:999px;line-height:1.5;flex:0 0 auto;
}
.mobile-dropdown-panel a{display:flex;align-items:center;justify-content:space-between;gap:8px}
.service-badge-new{
  position:absolute;top:16px;right:16px;background:linear-gradient(135deg,var(--blue),#7fd0ff);color:#fff;
  font-family:'Poppins',sans-serif;font-weight:700;font-size:.62rem;letter-spacing:.06em;text-transform:uppercase;
  padding:4px 10px;border-radius:999px;box-shadow:0 6px 14px -6px rgba(63,161,224,.7);
}
.nav-cta{display:flex;align-items:center;gap:14px}
.nav-phone{color:#fff;font-family:'Poppins',sans-serif;font-weight:600;font-size:.95rem;display:flex;align-items:center;gap:.5rem}
.nav-phone svg{width:16px;height:16px;color:var(--blue)}
.burger{display:none;background:none;border:0;color:#fff;cursor:pointer;padding:8px}
.burger svg{width:28px;height:28px}

/* hero (home) */
.hero{position:relative;color:#fff;overflow:hidden;background:var(--navy)}
.hero-bg{position:absolute;inset:0;
  background:
    radial-gradient(1100px 500px at 75% -10%,rgba(63,161,224,.35),transparent 60%),
    linear-gradient(180deg,#0e2a4e 0%,#0a213e 55%,#08182e 100%);
}
.hero-bg::after{content:"";position:absolute;inset:0;opacity:.5;
  background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:26px 26px}
.hero-inner{position:relative;z-index:2;display:grid;grid-template-columns:1.05fr .95fr;gap:56px;align-items:center;padding:88px 0 96px}
.hero h1{color:#fff}
.hero p{color:#cdddef;font-size:1.12rem;max-width:520px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:8px}
.hero-badges{display:flex;flex-wrap:wrap;gap:22px;margin-top:34px;padding-top:26px;border-top:1px solid rgba(255,255,255,.12)}
.hero-badges div{display:flex;align-items:center;gap:.55rem;font-size:.85rem;color:#bcd2e8;font-weight:500}
.hero-badges svg{width:20px;height:20px;color:var(--blue)}
.hero-certs{margin-top:24px}
.hero-certs-label{display:block;font-size:.7rem;letter-spacing:.12em;text-transform:uppercase;color:#9fc6e8;margin-bottom:12px}
.hero-certs-row{display:flex;flex-wrap:wrap;gap:12px}
.cert-chip{background:#fff;border-radius:12px;padding:8px 16px;display:flex;align-items:center;justify-content:center;height:60px;box-shadow:0 10px 24px -12px rgba(0,0,0,.45);transition:transform .15s ease,box-shadow .15s ease}
.cert-chip img{height:44px;width:auto;max-width:110px;object-fit:contain;display:block}
a.cert-chip:hover{transform:translateY(-3px);box-shadow:0 14px 28px -12px rgba(0,0,0,.55)}
.hero-visual{position:relative}
.hero-card{
  background:linear-gradient(160deg,#12335c,#0b1f39);
  border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:30px;box-shadow:var(--shadow);
}
.hero-card .stars{color:var(--gold);font-size:1.15rem;letter-spacing:2px}
.hero-card .rate{font-family:'Poppins',sans-serif;font-size:2.6rem;font-weight:800;color:#fff;line-height:1;margin:.3rem 0}
.hero-card .sub{color:#9fc6e8;font-size:.85rem}
.hero-mini{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:22px}
.hero-mini div{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.08);border-radius:12px;padding:14px}
.hero-mini b{display:block;font-family:'Poppins',sans-serif;color:#fff;font-size:1.4rem}
.hero-mini span{font-size:.72rem;color:#9fc6e8;text-transform:uppercase;letter-spacing:.08em}

/* page banner (sub pages) */
.banner{position:relative;color:#fff;background:var(--navy);overflow:hidden}
.banner-bg{position:absolute;inset:0;
  background:
    radial-gradient(900px 400px at 80% -20%,rgba(63,161,224,.35),transparent 60%),
    linear-gradient(180deg,#0e2a4e,#0a213e);}
.banner-bg::after{content:"";position:absolute;inset:0;opacity:.45;
  background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:26px 26px}
.banner-inner{position:relative;z-index:2;padding:70px 0}
.banner h1{color:#fff;margin-bottom:.3rem}
.banner p{color:#cdddef;max-width:620px;margin:0}
.crumbs{font-size:.82rem;color:#9fc6e8;margin-bottom:1rem;display:flex;gap:.5rem;align-items:center}
.crumbs a{color:#9fc6e8}
.crumbs a:hover{color:#fff}

/* trust bar */
.trust{background:var(--navy-3);color:#fff;padding:0}
.trust-grid{display:grid;grid-template-columns:repeat(4,1fr);text-align:center}
.trust-grid > div{padding:34px 18px;border-right:1px solid rgba(255,255,255,.08)}
.trust-grid > div:last-child{border-right:0}
.trust-grid b{display:block;font-family:'Poppins',sans-serif;font-size:1.9rem;font-weight:800;color:#fff}
.trust-grid span{font-size:.85rem;color:#9fc6e8}

/* about / split */
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.figure{
  border-radius:var(--radius);min-height:420px;position:relative;overflow:hidden;box-shadow:var(--shadow);
  background:linear-gradient(160deg,#173c68,#0c2244);display:grid;place-items:center;color:rgba(255,255,255,.5)
}
.figure img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.figure .ph{text-align:center;padding:24px}
.figure .ph svg{width:64px;height:64px;color:rgba(127,208,255,.7);margin-bottom:10px}
.figure .ph small{font-size:.72rem;letter-spacing:.12em;text-transform:uppercase}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 26px}
.chip{background:var(--bg-soft);border:1px solid var(--line);border-radius:999px;padding:.5rem 1rem;font-size:.82rem;font-weight:600;color:var(--navy);display:flex;align-items:center;gap:.45rem}
.chip svg{width:15px;height:15px;color:var(--blue)}

/* finance */
.finance-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:28px;align-items:stretch}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow-sm)}
.rep-example{background:linear-gradient(160deg,var(--navy),var(--navy-3));color:#fff;border:0}
.rep-example h3{color:#fff}
.rep-row{display:flex;justify-content:space-between;align-items:baseline;padding:14px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.rep-row:last-child{border-bottom:0}
.rep-row span{color:#9fc6e8;font-size:.9rem}
.rep-row b{font-family:'Poppins',sans-serif;font-size:1.4rem;color:#fff}
.rep-apr{font-family:'Poppins',sans-serif;font-size:2.6rem;font-weight:800;color:var(--blue)}
.pay-opts{display:flex;gap:12px;margin-top:14px}
.pay-opts div{flex:1;background:var(--bg-soft);border:1px solid var(--line);border-radius:12px;padding:14px;text-align:center;font-weight:600;color:var(--navy);font-size:.9rem}
.pay-opts svg{width:22px;height:22px;color:var(--blue);margin-bottom:6px}
.finetext{font-size:.78rem;color:var(--muted);line-height:1.6;margin-top:8px}

/* services */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.service{
  background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:transform .2s,box-shadow .2s,border-color .2s;
  scroll-margin-top:100px;position:relative;
}
.service:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.service .ic{width:56px;height:56px;border-radius:14px;background:linear-gradient(135deg,var(--blue),#7fd0ff);display:grid;place-items:center;margin-bottom:18px}
.service .ic svg{width:28px;height:28px;color:#fff}
.service h3{margin-bottom:.4rem}
.service p{color:var(--muted);font-size:.95rem}
.readmore{font-family:'Poppins',sans-serif;font-weight:600;font-size:.8rem;letter-spacing:.06em;text-transform:uppercase;color:var(--blue);display:inline-flex;align-items:center;gap:.4rem}
.readmore svg{width:14px;height:14px;transition:transform .18s}
.service:hover .readmore svg{transform:translateX(4px)}
.svc-tags{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:34px}
.svc-tags span{background:#fff;border:1px solid var(--line);border-radius:999px;padding:.55rem 1.1rem;font-size:.85rem;font-weight:600;color:var(--navy)}

/* steps */
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 28px}
.step .num{font-family:'Poppins',sans-serif;font-size:3rem;font-weight:800;color:var(--line);line-height:1;margin-bottom:10px}
.step h3{margin-bottom:.4rem}
.step p{color:var(--muted);font-size:.95rem;margin:0}

/* why choose */
.why-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.why{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;display:flex;gap:20px}
.why .ic{width:52px;height:52px;flex:0 0 auto;border-radius:14px;background:var(--navy);display:grid;place-items:center}
.why .ic svg{width:26px;height:26px;color:var(--blue)}
.why h3{margin-bottom:.4rem}
.why p{color:var(--muted);font-size:.95rem;margin:0}

/* reviews */
.reviews{background:var(--navy);color:#fff}
.reviews h2,.reviews .eyebrow{color:#fff}
.reviews .eyebrow{color:#7fd0ff}
.review-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:44px}
.review{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column}
.review .stars{color:var(--gold);letter-spacing:2px;margin-bottom:12px}
.review p{color:#dbe7f4;font-size:.95rem;flex:1}
.review .who{display:flex;align-items:center;gap:12px;margin-top:16px;padding-top:16px;border-top:1px solid rgba(255,255,255,.1)}
.review .av{width:40px;height:40px;border-radius:50%;background:linear-gradient(135deg,var(--blue),#7fd0ff);display:grid;place-items:center;font-family:'Poppins';font-weight:700;color:#fff;font-size:.95rem}
.review .who b{display:block;font-size:.9rem;color:#fff;font-family:'Poppins'}
.review .who small{color:#9fc6e8;font-size:.75rem}

/* blog */
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.post{background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;transition:transform .2s,box-shadow .2s}
.post:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.post .thumb{height:180px;background:linear-gradient(160deg,#173c68,#0c2244);display:grid;place-items:center;color:rgba(127,208,255,.6)}
.post .thumb svg{width:46px;height:46px}
.post .thumb img{width:100%;height:100%;object-fit:cover}
.post .body{padding:24px}
.post h3{font-size:1.1rem;margin-bottom:14px}
.post .date{font-size:.75rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em;margin-bottom:8px;display:block}

/* gallery */
.gallery-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.gallery-grid .tile{border-radius:var(--radius);overflow:hidden;aspect-ratio:4/3;background:linear-gradient(160deg,#173c68,#0c2244);display:grid;place-items:center;color:rgba(127,208,255,.55);position:relative}
.gallery-grid .tile svg{width:44px;height:44px}
.gallery-grid .tile img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.gallery-grid .tile span{position:absolute;bottom:12px;left:14px;font-size:.72rem;letter-spacing:.1em;text-transform:uppercase;color:rgba(255,255,255,.55);z-index:2}
.gallery-grid .tall{aspect-ratio:3/4}

/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px}
.contact-layout{display:grid;grid-template-columns:1.4fr 1fr;gap:24px;align-items:start}
.contact-cards{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.contact-sidebar{display:grid;gap:16px}
.ccard{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}
.ccard .ic{width:46px;height:46px;border-radius:12px;background:linear-gradient(135deg,var(--blue),#7fd0ff);display:grid;place-items:center;margin-bottom:14px}
.ccard .ic svg{width:22px;height:22px;color:#fff}
.ccard h3{font-size:1rem;margin-bottom:.25rem}
.ccard a,.ccard p{color:var(--muted);font-size:.95rem;margin:0}
.ccard a:hover{color:var(--blue)}
.map-wrap{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);min-height:100%;box-shadow:var(--shadow-sm)}
.map-wrap iframe{width:100%;height:100%;min-height:340px;border:0;display:block}

/* contact form */
.form-card h3{margin-bottom:.3rem}
.form-card > p{color:var(--muted);margin-bottom:24px}
.hp-field{position:absolute;left:-9999px;top:-9999px}
.contact-form .form-row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{margin-bottom:18px}
.field label{display:block;font-family:'Poppins',sans-serif;font-weight:600;font-size:.82rem;color:var(--navy);margin-bottom:.4rem}
.field input,.field select,.field textarea{
  width:100%;font-family:inherit;font-size:.95rem;color:var(--ink);
  background:var(--bg-soft);border:1px solid var(--line);border-radius:10px;
  padding:.75rem .9rem;transition:border-color .15s,box-shadow .15s;
}
.field textarea{resize:vertical;min-height:120px}
.field input:focus,.field select:focus,.field textarea:focus{
  outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(63,161,224,.18);background:#fff;
}
.field select{appearance:none;background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%235c6b7a' stroke-width='2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpolyline points='6 9 12 15 18 9'/%3E%3C/svg%3E");background-repeat:no-repeat;background-position:right .9rem center;background-size:16px;padding-right:2.4rem}
.contact-form button[type="submit"]{width:100%;justify-content:center;border:none}
.form-note{font-size:.78rem;color:var(--muted);margin-top:14px;text-align:center}

/* landing page: boiler breakdowns */
.hero-phone{
  background:linear-gradient(160deg,#12335c,#0b1f39);
  border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:30px;box-shadow:var(--shadow);text-align:center;
}
.hero-phone .lbl{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:#9fc6e8;margin-bottom:10px}
.hero-phone .num{display:block;font-family:'Poppins',sans-serif;font-size:clamp(1.7rem,4vw,2.3rem);font-weight:800;color:#fff;line-height:1.1;margin-bottom:6px}
.hero-phone .num:hover{color:#7fd0ff}
.hero-phone .sub{color:#cdddef;font-size:.92rem;margin-bottom:18px}
.hero-phone .btn{width:100%;justify-content:center}
.hero-phone ul{list-style:none;margin:20px 0 0;padding:18px 0 0;border-top:1px solid rgba(255,255,255,.12);text-align:left}
.hero-phone li{display:flex;gap:.55rem;align-items:flex-start;color:#bcd2e8;font-size:.88rem;margin-bottom:8px}
.hero-phone li svg{width:18px;height:18px;flex:0 0 auto;color:var(--blue);margin-top:2px}

/* landing page: photo hero (bathrooms etc) */
.hero-photo-card{position:relative;border-radius:22px;overflow:hidden;box-shadow:var(--shadow);border:1px solid rgba(255,255,255,.1);min-height:460px}
.hero-photo-card img{width:100%;height:100%;min-height:460px;object-fit:cover;display:block}
.hero-photo-card .hero-photo-badge{
  position:absolute;bottom:18px;left:18px;right:18px;
  background:rgba(255,255,255,.96);backdrop-filter:blur(6px);
  border-radius:14px;padding:16px 18px;box-shadow:var(--shadow-sm);
  display:flex;align-items:center;gap:12px;
}
.hero-photo-badge .stars{color:var(--gold);font-size:1rem;letter-spacing:1px;line-height:1}
.hero-photo-badge b{display:block;font-family:'Poppins',sans-serif;color:var(--navy);font-size:.95rem;margin-top:2px}
.hero-photo-badge span{color:var(--muted);font-size:.78rem}

/* landing page: badge hero (care network) */
.hero-badge-card{
  background:linear-gradient(160deg,#12335c,#0b1f39);
  border:1px solid rgba(255,255,255,.1);border-radius:22px;padding:40px;box-shadow:var(--shadow);
  min-height:420px;display:flex;align-items:center;justify-content:center;
}
.hero-badge-card img{width:220px;max-width:100%;height:auto;display:block}

.alert{background:#fff7e0;border:1px solid #f3d98a;border-left:5px solid var(--gold);border-radius:var(--radius);padding:22px 26px;display:flex;gap:18px;align-items:flex-start}
.alert svg{width:26px;height:26px;flex:0 0 auto;color:#b7791f;margin-top:2px}
.alert h3{font-size:1.05rem;margin-bottom:.35rem;color:#5f3d00}
.alert p{margin:0;font-size:.95rem;color:#5f3d00}
.alert a{font-weight:700;text-decoration:underline}

.checks{list-style:none;margin:0;padding:0;counter-reset:chk}
.checks li{position:relative;padding:18px 0 18px 58px;border-bottom:1px solid var(--line);counter-increment:chk}
.checks li:last-child{border-bottom:0}
.checks li::before{content:counter(chk);position:absolute;left:0;top:16px;width:40px;height:40px;border-radius:12px;background:var(--navy);color:#fff;font-family:'Poppins',sans-serif;font-weight:700;display:grid;place-items:center;font-size:.95rem}
.checks b{display:block;color:var(--navy);font-family:'Poppins',sans-serif;font-weight:600;margin-bottom:.2rem}
.checks p{margin:0;color:var(--muted);font-size:.95rem}
.checks.plain{counter-reset:none}
.checks.plain li{padding:14px 0 14px 34px;counter-increment:none}
.checks.plain li::before{content:"";width:14px;height:14px;border-radius:50%;top:20px;background:var(--muted)}
.checks.plain.pros li::before{background:var(--blue)}

.faq{max-width:820px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:0 24px;margin-bottom:12px}
.faq summary{list-style:none;cursor:pointer;padding:20px 36px 20px 0;font-family:'Poppins',sans-serif;font-weight:600;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);width:28px;height:28px;border-radius:50%;background:var(--bg-soft);color:var(--blue);display:grid;place-items:center;font-weight:700;transition:transform .2s}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 20px;color:var(--muted);font-size:.95rem}

.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media(max-width:960px){.two-col{grid-template-columns:1fr}}

/* cta banner */
.cta{background:linear-gradient(120deg,var(--blue),var(--blue-d));color:#fff;text-align:center}
.cta h2{color:#fff}
.cta p{color:rgba(255,255,255,.9);max-width:560px;margin:0 auto 26px}
.cta .btn-dark{background:var(--navy)}
.cta-actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}

/* footer */
footer.site{background:var(--navy-3);color:#cdddef;padding:72px 0 0}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px}
footer.site h4{color:#fff;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin:0 0 18px}
footer.site ul{list-style:none;margin:0;padding:0}
footer.site li{margin-bottom:10px}
footer.site a{color:#9fc6e8;font-size:.92rem}
footer.site a:hover{color:#fff}
.foot-brand p{font-size:.92rem;color:#9fc6e8;max-width:320px}
.foot-contact a{display:flex;align-items:center;gap:.6rem;color:#fff;font-family:'Poppins';font-weight:600;margin-bottom:12px}
.foot-contact svg{width:18px;height:18px;color:var(--blue)}
.socials{display:flex;gap:12px;margin-top:18px}
.socials a{width:40px;height:40px;border-radius:10px;background:rgba(255,255,255,.06);display:grid;place-items:center}
.socials a:hover{background:var(--blue)}
.socials svg{width:18px;height:18px;color:#fff}
.foot-cert{margin-top:20px}
.foot-cert-chip{background:#fff;border-radius:10px;padding:8px 14px;display:inline-flex;align-items:center;justify-content:center;box-shadow:0 8px 20px -10px rgba(0,0,0,.5)}
.foot-cert-chip img{height:44px;width:auto;display:block}
.foot-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:56px;padding:26px 0;font-size:.8rem;color:#7f97b0}
.foot-legal{font-size:.72rem;color:#5f7690;line-height:1.7;margin-top:10px}

@media(max-width:960px){
  .container{padding:0 36px}
  .hero-inner,.split,.finance-grid,.grid-3,.steps,.why-grid,.blog-grid,.foot-grid,.contact-grid,.contact-layout,.gallery-grid{grid-template-columns:1fr}
  .trust-grid{grid-template-columns:1fr 1fr}
  .trust-grid > div:nth-child(2){border-right:0}
  .review-grid{grid-template-columns:1fr 1fr}
  .contact-cards{grid-template-columns:1fr 1fr}
  .menu,.nav-phone{display:none}
  .burger{display:block}
  .section{padding:72px 0}
}
@media(max-width:560px){
  .container{padding:0 26px}
  .trust-grid,.review-grid,.gallery-grid,.contact-cards{grid-template-columns:1fr}
  .trust-grid > div{border-right:0}
  .pay-opts{flex-direction:column}
  .contact-form .form-row{grid-template-columns:1fr}
}
/* mobile menu */
.mobile-menu{position:fixed;inset:74px 0 auto 0;background:var(--navy);z-index:55;transform:translateY(-120%);transition:transform .3s ease;box-shadow:var(--shadow);padding:12px 0 24px;max-height:calc(100vh - 74px);overflow-y:auto}
.mobile-menu.open{transform:translateY(0)}
.mobile-menu a{display:block;color:#dfe9f4;padding:14px 24px;font-weight:500;border-bottom:1px solid rgba(255,255,255,.06)}
.mobile-menu .btn{margin:16px 24px 0;width:calc(100% - 48px);justify-content:center}

/* mobile services dropdown */
.mobile-menu details{border-bottom:1px solid rgba(255,255,255,.06)}
.mobile-menu details summary{display:flex;align-items:center;justify-content:space-between;padding:14px 24px;color:#dfe9f4;font-weight:500;cursor:pointer;list-style:none}
.mobile-menu details summary::-webkit-details-marker{display:none}
.mobile-menu details summary::after{content:"+";color:#7fd0ff;font-size:1.2rem;font-weight:400;line-height:1}
.mobile-menu details[open] summary::after{content:"\2212"}
.mobile-menu details[open] summary{color:#fff}
.mobile-menu details .mobile-dropdown-panel{display:flex;flex-direction:column;padding:0 24px 12px 36px}
.mobile-menu details .mobile-dropdown-panel a{padding:.55rem 0;font-size:.88rem;color:#bcd2e8;border-bottom:0;font-weight:400}
.mobile-menu details .mobile-dropdown-panel a:hover{color:#fff}
.mobile-menu details .mobile-dropdown-panel a.dd-all{color:#7fd0ff;font-weight:600;margin-top:4px;padding-top:.7rem;border-top:1px solid rgba(255,255,255,.08)}