:root{--hc-navy:#071d33;--hc-gold:#f3b536;--hc-gold-dark:#c88605;--hc-teal:#087b73;--hc-ink:#203a53;--hc-muted:#667085;--hc-paper:#fbf8f1;--hc-line:rgba(7,29,51,.11)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--hc-ink);overflow-x:hidden}
.hc-hero{padding:76px 0 82px;background:radial-gradient(circle at 15% 20%,rgba(8,123,115,.12),transparent 28%),linear-gradient(135deg,#fffdf8,#f5efe2)}
.hc-hero-grid{display:grid;grid-template-columns:minmax(0,1.18fr) minmax(320px,.82fr);gap:54px;align-items:center}
.hc-eyebrow,.hc-kicker{margin:0 0 12px;color:var(--hc-teal);font-size:13px;font-weight:950;letter-spacing:.08em}
.hc-hero h1{margin:0;color:var(--hc-navy);font-size:clamp(48px,6.5vw,86px);line-height:1.02;letter-spacing:-.055em}
.hc-hero h1 em{color:var(--hc-gold-dark);font-style:normal}
.hc-lead{max-width:690px;margin:24px 0 0;font-size:clamp(17px,1.6vw,21px);line-height:1.75}
.hc-request{max-width:760px;margin-top:30px;padding:16px;border:1px solid var(--hc-line);border-radius:22px;background:#fff;box-shadow:0 24px 70px rgba(7,29,51,.12)}
.hc-request label{display:block;margin-bottom:9px;color:var(--hc-navy);font-size:14px;font-weight:950}
.hc-request-row{display:grid;grid-template-columns:1fr auto;gap:10px}
.hc-request textarea{width:100%;min-height:92px;resize:vertical;padding:15px;border:1px solid rgba(7,29,51,.13);border-radius:14px;background:#f8fafb;color:var(--hc-navy);font:inherit;line-height:1.55}
.hc-request textarea:focus{outline:3px solid rgba(243,181,54,.25);border-color:var(--hc-gold-dark)}
.hc-request button{align-self:stretch;min-width:132px;border:0;border-radius:14px;background:var(--hc-gold);color:var(--hc-navy);font:inherit;font-weight:950;cursor:pointer}
.hc-form-hint{margin:10px 0 0;color:var(--hc-muted);font-size:12px}
.hc-form-hint.is-error{color:#b42318}
.hc-free-note{margin:7px 0 0;color:var(--hc-muted);font-size:12px;line-height:1.55}
.hc-hero-actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.hc-proof{display:flex;flex-wrap:wrap;gap:9px;margin:20px 0 0;padding:0;list-style:none}
.hc-proof li{padding:8px 12px;border-radius:999px;background:rgba(255,255,255,.8);color:var(--hc-navy);font-size:13px;font-weight:900}
.hc-proof li:before{content:"✓";margin-right:6px;color:var(--hc-teal)}
.hc-quote-preview{padding:30px;border:1px solid var(--hc-line);border-radius:28px;background:var(--hc-navy);color:#dce8f6;box-shadow:0 32px 90px rgba(7,29,51,.2)}
.hc-quote-preview>p:first-child{margin:0;color:#f4d991;font-size:13px;font-weight:900}
.hc-quote-preview h2{margin:8px 0 24px;color:#fff;font-size:clamp(27px,3vw,40px);line-height:1.15}
.hc-preview-card{display:grid;grid-template-columns:44px 1fr;gap:13px;align-items:center;margin-top:10px;padding:14px;border:1px solid rgba(255,255,255,.12);border-radius:16px;background:rgba(255,255,255,.07)}
.hc-preview-card>span{display:grid;place-items:center;width:44px;height:44px;border-radius:13px;background:var(--hc-gold);color:var(--hc-navy);font-weight:950}
.hc-preview-card b,.hc-preview-card small{display:block}.hc-preview-card b{color:#fff}.hc-preview-card small{margin-top:3px;color:#b9c8d8}
.hc-preview-note{margin:16px 0 0!important;color:#9eb0c2!important;font-size:11px;line-height:1.55}
.hc-section{padding:78px 0}
.hc-section-soft{background:#f6f8f9}
.hc-section-head{display:flex;align-items:end;justify-content:space-between;gap:30px;margin-bottom:28px}
.hc-section-head h2,.hc-split h2,.hc-compare h2,.hc-provider h2{margin:0;color:var(--hc-navy);font-size:clamp(31px,4vw,50px);line-height:1.15;letter-spacing:-.035em}
.hc-section-head>p{max-width:540px;margin:0;color:var(--hc-muted);line-height:1.7}
.hc-centered{justify-content:center;text-align:center}
.hc-category-grid{display:grid;grid-template-columns:repeat(6,1fr);gap:12px}
.hc-category-grid a{display:flex;flex-direction:column;gap:15px;min-height:132px;padding:20px;border:1px solid var(--hc-line);border-radius:18px;background:#fff;color:var(--hc-navy);box-shadow:0 10px 28px rgba(7,29,51,.045);transition:.18s}
.hc-category-grid a:hover{transform:translateY(-3px);border-color:rgba(200,134,5,.45);box-shadow:0 20px 50px rgba(7,29,51,.1)}
.hc-category-grid span{font-size:29px}.hc-category-grid b{font-size:15px}
.hc-step-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.hc-step-grid article,.hc-trust-grid article{padding:25px;border:1px solid var(--hc-line);border-radius:20px;background:#fff}
.hc-step-grid article>span{display:grid;place-items:center;width:45px;height:45px;border-radius:14px;background:var(--hc-navy);color:#f4d991;font-weight:950}
.hc-step-grid h3,.hc-trust-grid h3{margin:18px 0 8px;color:var(--hc-navy);font-size:20px}.hc-step-grid p,.hc-trust-grid p{margin:0;color:var(--hc-muted);line-height:1.7}
.hc-split{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}
.hc-copy{font-size:18px;line-height:1.8}
.hc-check-list{display:grid;gap:12px;margin:0;padding:0;list-style:none}
.hc-check-list li{padding:19px 20px;border:1px solid var(--hc-line);border-radius:17px;background:#fff}
.hc-check-list b,.hc-check-list span{display:block}.hc-check-list b{color:var(--hc-navy);font-size:18px}.hc-check-list span{margin-top:5px;color:var(--hc-muted)}
.hc-compare{background:var(--hc-navy);color:#cbd8e5}
.hc-compare h2{color:#fff}.hc-compare .hc-kicker{color:#f4d991}.hc-compare-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px;align-items:center}.hc-compare-grid>div>p:not(.hc-kicker){line-height:1.7}.hc-compare-grid .nj-btn{margin-top:18px}
.hc-compare-table{overflow:hidden;border:1px solid rgba(255,255,255,.15);border-radius:20px;background:rgba(255,255,255,.06)}
.hc-compare-table>div{display:grid;grid-template-columns:.62fr 1.38fr;gap:15px;padding:16px 18px;border-bottom:1px solid rgba(255,255,255,.1)}.hc-compare-table>div:last-child{border-bottom:0}.hc-compare-table b{color:#f4d991}.hc-compare-table span:first-child{color:#fff;font-weight:900}
.hc-trust-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.hc-trust-grid article>span{display:inline-grid;place-items:center;min-width:44px;height:44px;padding:0 9px;border-radius:13px;background:#eef7f5;color:var(--hc-teal);font-size:13px;font-weight:950}
.hc-provider{padding:0 0 78px}.hc-provider-inner{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:42px;border-radius:28px;background:linear-gradient(135deg,#071d33,#0b365d);color:#dce8f6}.hc-provider h2{color:#fff}.hc-provider p:not(.hc-kicker){max-width:720px;margin-bottom:0}.hc-provider .hc-kicker{color:#f4d991}
.nj-btn-outline-light{border:1px solid rgba(255,255,255,.45)!important;color:#fff!important;background:transparent!important;white-space:nowrap}
.hc-empty-case{display:grid;place-items:center;min-height:180px;padding:25px;border:1px dashed rgba(7,29,51,.22);border-radius:20px;background:#fafbfc;text-align:center}.hc-empty-case span{padding:7px 11px;border-radius:999px;background:#eef1f4;color:var(--hc-navy);font-size:12px;font-weight:950}.hc-empty-case p{margin:12px 0 0;color:var(--hc-muted)}
.hc-faq-wrap{max-width:930px}.hc-faq{display:grid;gap:10px}.hc-faq details{border:1px solid var(--hc-line);border-radius:16px;background:#fff}.hc-faq summary{padding:18px 20px;color:var(--hc-navy);font-weight:950;cursor:pointer}.hc-faq p{margin:0;padding:0 20px 20px;color:var(--hc-muted);line-height:1.75}
.nj-footer-toggle{display:block;width:100%;padding:0;border:0;background:transparent;color:#fff;font:inherit;font-size:14px;font-weight:900;letter-spacing:.05em;text-align:left}.nj-footer-toggle span{display:none}.nj-footer-links a{display:block}.nj-footer-brand>a{display:block;margin-top:10px;color:#f4d991!important}.nj-footer-bottom a{display:inline!important;color:inherit!important}
.hc-mobile-cta{display:none}
@media(max-width:1000px){.hc-hero-grid,.hc-split,.hc-compare-grid{grid-template-columns:1fr}.hc-category-grid{grid-template-columns:repeat(4,1fr)}.hc-trust-grid{grid-template-columns:repeat(3,1fr)}.hc-quote-preview{max-width:680px}.hc-provider-inner{align-items:flex-start;flex-direction:column}}
@media(max-width:700px){
  body{padding-bottom:calc(96px + env(safe-area-inset-bottom))}
  .nj-nav{padding-left:8px!important;padding-right:8px!important}.nj-logo img{width:132px!important;height:auto!important}.nj-actions{gap:6px!important}.nj-guest-actions .nj-btn-outline{display:none!important}.nj-guest-actions .nj-btn-gold{min-height:44px!important;padding:9px 12px!important;font-size:12px!important;white-space:nowrap}
  .hc-hero{padding:42px 0 48px}.hc-hero-grid{gap:28px}.hc-hero h1{font-size:clamp(39px,10.5vw,48px);letter-spacing:-.045em}.hc-hero h1 em{display:inline-block}.hc-lead{margin-top:18px;font-size:16px}.hc-request{margin-top:22px;padding:12px;border-radius:18px}.hc-request-row{grid-template-columns:1fr}.hc-request button{min-height:52px}.hc-hero-actions .nj-btn{width:100%}.hc-quote-preview{padding:22px;border-radius:22px}
  .hc-section{padding:54px 0}.hc-section-head{align-items:flex-start;flex-direction:column;gap:12px}.hc-section-head h2,.hc-split h2,.hc-compare h2,.hc-provider h2{font-size:32px}.hc-category-grid{grid-template-columns:repeat(2,1fr);gap:9px}.hc-category-grid a{min-height:108px;padding:16px}.hc-step-grid,.hc-trust-grid{grid-template-columns:1fr}.hc-split,.hc-compare-grid{gap:28px}.hc-provider{padding-bottom:54px}.hc-provider-inner{padding:28px 22px;border-radius:22px}
  .hc-mobile-cta{position:fixed;left:12px;right:12px;bottom:calc(10px + env(safe-area-inset-bottom));z-index:1200;display:flex;align-items:center;justify-content:center;min-height:54px;border-radius:14px;background:var(--hc-gold);color:var(--hc-navy);font-size:16px;font-weight:950;box-shadow:0 14px 36px rgba(7,29,51,.24)}
  .hc-mobile-cta.is-hidden{display:none}
  .nj-home-footer{padding:30px 0 calc(24px + env(safe-area-inset-bottom))!important}.nj-home-footer .nj-footer-grid{display:block!important;margin-bottom:16px}.nj-home-footer .nj-footer-brand{margin-bottom:18px}.nj-home-footer .nj-footer-group{border-top:1px solid rgba(255,255,255,.13)}.nj-home-footer .nj-footer-toggle{display:flex;align-items:center;justify-content:space-between;min-height:52px;cursor:pointer}.nj-home-footer .nj-footer-toggle span{display:inline-block;color:#f4d991;font-size:22px;font-weight:500;transition:transform .2s}.nj-home-footer .nj-footer-toggle[aria-expanded=true] span{transform:rotate(45deg)}.nj-home-footer .nj-footer-links{max-height:0;opacity:0;overflow:hidden;transition:max-height .25s,opacity .2s,padding .2s}.nj-home-footer .nj-footer-group.is-open .nj-footer-links{max-height:170px;opacity:1;padding-bottom:12px}.nj-home-footer .nj-footer-links a{padding:7px 0!important}.nj-home-footer .nj-footer-bottom{display:block!important}.nj-home-footer .nj-footer-bottom span{display:block;margin-top:6px}
}
@media(max-width:390px){.hc-category-grid{grid-template-columns:1fr 1fr}.hc-category-grid b{font-size:14px}.hc-proof{gap:6px}.hc-proof li{font-size:12px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.hc-category-grid a,.nj-home-footer .nj-footer-links,.nj-home-footer .nj-footer-toggle span{transition:none}}