:root {
  --navy: #0b3d91;
  --navy-deep: #041f4d;
  --green: #2e9b3a;
  --ink: #0f1c2e;
  --muted: #5a6b7d;
  --line: #d5e0ea;
  --soft: #f2f7fc;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: "DM Sans", system-ui, sans-serif;
  color: var(--ink);
  background: #fff;
  line-height: 1.5;
}
a { color: inherit; text-decoration: none; }
img { max-width: 100%; display: block; }
.wrap { width: min(1080px, calc(100% - 2rem)); margin-inline: auto; }
.topbar {
  position: sticky; top: 0; z-index: 20;
  background: rgba(255,255,255,.96);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--line);
}
.topbar-in {
  min-height: 68px;
  display: flex; align-items: center; justify-content: space-between; gap: 1rem;
}
.brand { display: flex; align-items: center; gap: .65rem; }
.brand img { height: 46px; width: auto; }
.brand strong { display: block; color: var(--navy); font-size: 1rem; line-height: 1; }
.brand em {
  display: block; margin-top: .15rem; font-style: normal;
  font-size: .68rem; letter-spacing: .1em; text-transform: uppercase;
  color: var(--green); font-weight: 700;
}
.btn {
  display: inline-flex; align-items: center; justify-content: center;
  padding: .75rem 1.2rem; border-radius: 10px; border: 0;
  font-weight: 700; cursor: pointer;
}
.btn-green { background: var(--green); color: #fff; }
.btn-ghost {
  background: transparent; color: #fff;
  border: 1.5px solid rgba(255,255,255,.7);
}
.btn-navy { background: var(--navy); color: #fff; width: 100%; }
.hero {
  background:
    linear-gradient(110deg, rgba(4,31,77,.94), rgba(11,61,145,.82) 50%, rgba(8,48,110,.7)),
    radial-gradient(80% 80% at 100% 0%, rgba(46,155,58,.28), transparent 55%);
  color: #fff; padding: 3.2rem 0 2.8rem;
}
.eyebrow {
  display: inline-block; margin: 0; padding: .28rem .65rem; border-radius: 8px;
  background: rgba(46,155,58,.18); border: 1px solid rgba(155,255,176,.35);
  color: #b8ffc6; font-size: .72rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase;
}
.hero h1 {
  margin: .85rem 0 0; font-family: Outfit, system-ui, sans-serif;
  font-size: clamp(1.8rem, 4.8vw, 2.9rem); line-height: 1.05;
  text-transform: uppercase; max-width: 16ch;
}
.tagline {
  margin: .85rem 0 0; font-weight: 700; letter-spacing: .1em;
  text-transform: uppercase; font-size: .82rem; color: #b8ffc6;
}
.lead { margin: .85rem 0 0; color: #d7e5ff; max-width: 42ch; font-size: 1.05rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .65rem; margin-top: 1.35rem; }
.trust {
  margin-top: -1.1rem; position: relative; z-index: 2;
  display: flex; flex-wrap: wrap; gap: .45rem;
  padding: .85rem 1rem; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; box-shadow: 0 12px 28px rgba(11,61,145,.08);
}
.trust span {
  font-size: .78rem; font-weight: 700; color: #08307a;
  background: var(--soft); border: 1px solid var(--line);
  border-radius: 8px; padding: .35rem .65rem;
}
.section { padding: 2.4rem 0 0; }
.kicker {
  margin: 0 0 .3rem; color: var(--green); font-weight: 800;
  letter-spacing: .12em; text-transform: uppercase; font-size: .74rem;
}
.section h2 {
  margin: 0; color: var(--navy); font-family: Outfit, system-ui, sans-serif;
  font-size: clamp(1.4rem, 3vw, 2rem); line-height: 1.1;
}
.copy { margin: .55rem 0 0; color: var(--muted); max-width: 56ch; }
.split { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; padding-top: 1.3rem; }
.card {
  border: 1px solid var(--line); border-radius: 14px; padding: 1.2rem; background: #fff;
}
.card.navy { background: linear-gradient(160deg, var(--navy-deep), var(--navy)); color: #fff; border: 0; }
.card.navy .kicker { color: #9dffb0; }
.card h3 { margin: .25rem 0 .5rem; font-size: 1.15rem; }
.card p { margin: 0; color: var(--muted); }
.card.navy p { color: #d7e5ff; }
.includes {
  list-style: none; margin: 1rem 0 0; padding: 0;
  display: grid; grid-template-columns: 1fr 1fr; gap: .55rem;
}
.includes li {
  position: relative; padding: .75rem .85rem .75rem 2.1rem;
  border: 1px solid var(--line); border-radius: 10px; background: #f8fafc; font-weight: 600;
}
.includes li::before { content: "✓"; position: absolute; left: .75rem; color: var(--green); font-weight: 800; }
.why {
  margin-top: 2.2rem; padding: 2.2rem 0;
  background: radial-gradient(80% 80% at 100% 0%, rgba(46,155,58,.22), transparent 55%),
    linear-gradient(160deg, var(--navy-deep), var(--navy));
  color: #fff;
}
.why h2 { color: #fff; }
.why .copy { color: #d7e5ff; }
.why-grid { display: grid; grid-template-columns: 1fr 1fr; gap: .75rem; margin-top: 1.1rem; }
.why-grid div {
  padding: .9rem 1rem; border-radius: 12px;
  background: rgba(255,255,255,.08); border: 1px solid rgba(255,255,255,.12);
}
.why-grid strong { display: block; }
.why-grid span { color: #d7e5ff; font-size: .92rem; }
.cta-band {
  margin: 2rem auto .5rem; padding: 1.3rem;
  border-radius: 14px; background: var(--soft); border: 1px solid var(--line);
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: 1rem; align-items: center;
}
.quote {
  padding: 2rem 0 2.5rem;
  background: linear-gradient(180deg, #fff, var(--soft));
}
.quote-grid { display: grid; grid-template-columns: .95fr 1.05fr; gap: 1.25rem; }
.form {
  display: grid; grid-template-columns: 1fr 1fr; gap: .7rem;
  padding: 1.25rem; border-radius: 14px; background: #fff; border: 1px solid var(--line);
  box-shadow: 0 14px 32px rgba(11,61,145,.07);
}
.form label { display: grid; gap: .25rem; font-size: .78rem; font-weight: 700; color: var(--muted); }
.form .full { grid-column: 1 / -1; }
.form input, .form textarea {
  border: 1px solid var(--line); border-radius: 10px; padding: .65rem .75rem; font: inherit;
}
.points { list-style: none; margin: 1rem 0; padding: 0; display: grid; gap: .35rem; font-weight: 600; }
.points li::before { content: "✓ "; color: var(--green); font-weight: 800; }
.foot {
  display: flex; flex-wrap: wrap; justify-content: space-between; gap: .8rem;
  padding: 1.3rem 0 2rem; border-top: 1px solid var(--line); color: var(--muted); font-size: .9rem;
}
.foot strong { display: block; color: var(--navy); }
.foot span { display: block; color: var(--green); font-size: .72rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.msg { margin: .5rem 0 0; font-weight: 700; }
.msg.err { color: #c62828; }
.msg.ok { color: #1f7a2c; }
.loading, .error-box { padding: 4rem 1rem; text-align: center; color: var(--muted); }

/* Stable skeleton while fetching (fallback only — SSR pages skip this) */
.offer-skeleton { padding-bottom: 2rem; }
.sk-topbar { height: 68px; border-bottom: 1px solid var(--line); background: #fff; }
.sk-hero {
  min-height: 280px; padding: 3rem 1.25rem 2.5rem;
  background: linear-gradient(110deg, #041f4d, #0b3d91 55%);
}
.sk-line {
  height: 14px; border-radius: 8px; margin: .65rem 0 0;
  background: rgba(255,255,255,.18); max-width: 100%;
}
.sk-line.sk-lg { height: 28px; }
.sk-w30 { width: 30%; } .sk-w40 { width: 40%; } .sk-w45 { width: 45%; }
.sk-w50 { width: 50%; } .sk-w60 { width: 60%; } .sk-w80 { width: 80%; }
.sk-actions { display: flex; gap: .65rem; margin-top: 1.35rem; }
.sk-actions span {
  display: inline-block; height: 44px; width: 140px; border-radius: 10px;
  background: rgba(255,255,255,.2);
}
.sk-trust {
  display: flex; flex-wrap: wrap; gap: .45rem; margin-top: -1.1rem;
  padding: .85rem 1rem; background: #fff; border: 1px solid var(--line);
  border-radius: 12px; min-height: 52px;
}
.sk-trust span {
  height: 28px; width: 88px; border-radius: 8px; background: var(--soft);
  border: 1px solid var(--line);
}
.sk-section { padding: 2.4rem 0 0; }
.sk-section .sk-line { background: #e6eef6; }
.sk-split { display: grid; grid-template-columns: 1fr 1fr; gap: 1rem; margin-top: 1.3rem; }
.sk-card {
  min-height: 140px; border-radius: 14px; border: 1px solid var(--line);
  background: linear-gradient(180deg, #f8fafc, #eef3f8);
}
.sk-includes {
  display: grid; grid-template-columns: 1fr 1fr; gap: .55rem; margin-top: 1rem;
}
.sk-includes i {
  display: block; min-height: 48px; border-radius: 10px;
  border: 1px solid var(--line); background: #f8fafc;
}

.mobile-cta-bar { display: none; }

@media (max-width: 860px) {
  .brand em { display: none; }
  .split, .includes, .why-grid, .quote-grid, .form, .sk-split, .sk-includes { grid-template-columns: 1fr; }
}

/* Phone breakpoint — readability + layout (desktop unchanged above 640) */
@media (max-width: 640px) {
  html, body {
    font-size: 16px;
    overflow-x: hidden;
    max-width: 100%;
  }
  body { line-height: 1.55; }
  .wrap { width: min(1080px, calc(100% - 1.5rem)); }

  .brand strong,
  .brand em,
  .eyebrow,
  .tagline,
  .kicker,
  .trust span,
  .form label,
  .foot,
  .foot span {
    font-size: 13px;
  }
  .lead, .copy, .card p, .why-grid span, .points { font-size: 16px; }
  .form input,
  .form textarea {
    font-size: 16px;
    min-height: 44px;
    padding: .75rem .85rem;
  }
  .form textarea { min-height: 110px; }

  .split,
  .includes,
  .why-grid,
  .quote-grid,
  .form,
  .sk-split,
  .sk-includes {
    grid-template-columns: 1fr;
  }

  .trust {
    flex-wrap: wrap;
    width: 100%;
    gap: .5rem;
  }
  .trust span {
    flex: 1 1 auto;
    text-align: center;
    min-height: 36px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
  }

  .btn,
  .btn-navy,
  .hero-actions .btn,
  .topbar .btn,
  a.btn {
    min-height: 44px;
    padding: .75rem 1.15rem;
  }
  .hero-actions { gap: .7rem; }
  .hero-actions .btn { width: 100%; }

  .cta-band {
    flex-direction: column;
    align-items: stretch;
  }
  .cta-band .btn { width: 100%; }

  .topbar-in { min-height: 56px; gap: .65rem; }
  .brand img { height: 40px; }
  .foot { font-size: 13px; }

  body { padding-bottom: 76px; }
  .mobile-cta-bar {
    display: flex;
    position: fixed;
    bottom: 0; left: 0; right: 0;
    z-index: 80;
    gap: .5rem;
    padding: .55rem .75rem calc(.55rem + env(safe-area-inset-bottom, 0px));
    background: rgba(255,255,255,.97);
    backdrop-filter: blur(10px);
    border-top: 1px solid var(--line);
    box-shadow: 0 -8px 24px rgba(11,61,145,.12);
  }
  .mobile-cta-bar a {
    flex: 1 1 0;
    min-height: 44px;
    display: inline-flex;
    align-items: center;
    justify-content: center;
    border-radius: 10px;
    font-weight: 700;
    font-size: 14px;
    text-align: center;
    padding: .55rem .5rem;
  }
  .mobile-cta-bar .mcta-call {
    background: #fff;
    color: var(--navy);
    border: 1.5px solid var(--navy);
  }
  .mobile-cta-bar .mcta-quote {
    background: var(--green);
    color: #fff;
    border: 1.5px solid var(--green);
  }
}