:root{
  --blue:#0b4a9e; --blue-dk:#083a7a; --orange:#f97316;
  --bg:#f6f7fb; --text:#0b1220; --muted:#5b6475; --white:#fff; --border:#e5e7eb;
  --green:#10b981; --dark:#0e1a2f;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--text);background:var(--bg);line-height:1.55}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
.container{max-width:1100px;margin:0 auto;padding:0 clamp(12px,2.5vw,20px)}

.btn{display:inline-block;background:var(--orange);color:#fff;border:none;border-radius:999px;padding:clamp(16px,3vw,22px) clamp(26px,5vw,34px);font-weight:900;cursor:pointer;font-size:clamp(18px,2.8vw,22px);line-height:1.05;box-shadow:0 8px 20px rgba(249,115,22,.25)}

.header{position:sticky;top:0;z-index:50;background:var(--white);border-bottom:1px solid var(--border)}
.header .inner{display:flex;align-items:center;justify-content:space-between;padding:10px 0}
.logo{font-weight:900;color:var(--blue-dk);font-size:clamp(16px,2.5vw,18px)}

.hero{background:linear-gradient(0deg, rgba(11,74,158,.92), rgba(11,74,158,.92)), url('assets/hero-bg.jpg') center/cover no-repeat;color:#fff}
.hero .inner{display:grid;grid-template-columns:.95fr 1.05fr;gap:clamp(16px,2.8vw,24px);align-items:center;padding:clamp(22px,4.5vw,40px) 0}
.hero h1{font-size:clamp(22px,5vw,38px);line-height:1.12;margin:0 0 10px}
.hero p{margin:0 0 12px;color:#dfebff;font-size:clamp(14px,2.4vw,16px)}
.hero .urgency{margin:6px 0 12px;color:#e5eeff;font-weight:700;font-size:clamp(13px,2.2vw,15px)}

.form-card{background:#fff;border:1px solid var(--border);border-radius:18px;padding:clamp(16px,3.6vw,22px);color:var(--text);box-shadow:0 10px 30px rgba(2,6,23,.18)}
.form-vertical{display:grid;gap:12px}
.form-row{display:grid;grid-template-columns: 150px 1fr;gap:10px;align-items:center;margin-bottom:10px}
.form-row label{font-weight:800;margin:0;white-space:nowrap;font-size:clamp(14px,2.6vw,18px)}
.form-row input,.form-row select,.form-row textarea{width:100%;padding:16px 12px;border:1px solid #cbd5e1;border-radius:10px;font-size:clamp(16px,2.6vw,18px)}

.badge{display:inline-flex;align-items:center;gap:8px;padding:8px 12px;background:#eaf2ff;border:1px solid #cfe0ff;border-radius:10px;color:var(--blue-dk);font-weight:700}
.badge-group{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.badges-3{display:flex;gap:10px;flex-wrap:wrap;margin-top:10px}
.badges-3 .badge{background:#f1f5ff;border-color:#dbe6ff}

.section{padding:clamp(18px,4.5vw,30px) 0}
.columns{display:grid;grid-template-columns:1fr 1fr;gap:clamp(18px,3vw,26px)}
.columns h3{margin:0 0 10px;font-size:clamp(18px,2.8vw,22px)}
.list{padding-left:18px;margin:0}
.kpi{display:flex;gap:12px;align-items:center}
.kpi .pill{background:var(--blue);color:#fff;border-radius:10px;padding:8px 12px;font-weight:800}

.testimonial{display:flex;gap:12px;align-items:center;border:1px solid var(--border);background:#fff;padding:12px;border-radius:12px;max-width:520px}
.testimonial .name{font-weight:800}

.steps{background:#fff;border:1px solid var(--border);border-radius:12px;padding:14px}
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{display:grid;gap:8px;justify-items:center;text-align:center}
.step img{width:48px;height:48px}

.cta{background:var(--dark);color:#cbd5e1;padding:24px 0}
.cta .inner{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap}
.cta h3{margin:0;color:#fff;font-size:clamp(18px,3.2vw,22px)}

.footer{background:#0b1220;color:#9ca3af;padding:16px 0}
.footer .inner{display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap}
.footer a{color:#cbd5e1}

/* Sticky SMS bar (kept, but popup will overlay) */
.callbar{position:fixed;bottom:0;left:0;right:0;background:#0b4a9e;color:#fff;display:flex;gap:10px;align-items:center;justify-content:center;padding:10px 12px;z-index:60;box-shadow:0 -6px 20px rgba(2,6,23,.18)}
.callbar a{color:#fff;text-decoration:none;font-weight:900;border:2px solid #fff;border-radius:999px;padding:10px 16px;}

/* SMS Popup (delayed) */
.sms-popup{position:fixed;left:50%;transform:translateX(-50%);bottom:72px;z-index:70;background:#0b4a9e;color:#fff;border-radius:14px;box-shadow:0 10px 30px rgba(2,6,23,.25);display:none;max-width:520px;width:calc(100% - 24px)}
.sms-popup .inner{display:flex;gap:12px;align-items:center;justify-content:space-between;padding:12px 14px}
.sms-popup .txt{display:flex;align-items:center;gap:10px}
.sms-popup .txt img{width:24px;height:24px}
.sms-popup .cta{background:#fff;color:#0b4a9e;border:none;border-radius:999px;font-weight:900;padding:10px 14px;cursor:pointer}
.sms-popup .close{background:transparent;border:none;color:#fff;opacity:.8;font-size:18px;cursor:pointer;margin-left:8px}

/* FOMO notification */
.fomo{position:fixed;right:12px;bottom:calc(72px + 12px);background:#111827;color:#e5e7eb;border:1px solid #374151;border-radius:12px;padding:10px 12px;box-shadow:0 10px 30px rgba(0,0,0,.3);z-index:65;display:none;max-width:320px}
.fomo b{color:#fff}
.fomo.show{display:block;animation:slideIn .35s ease-out}
@keyframes slideIn{from{transform:translateY(20px);opacity:0}to{transform:translateY(0);opacity:1}}

/* Mobile adjustments */
@media(max-width:980px){
  .hero .inner{grid-template-columns:1fr}
  .hero .col-form{order:-1}
  .columns{grid-template-columns:1fr}
  .steps-grid{grid-template-columns:1fr}
  .btn{width:100%}
}
@media(max-width:420px){
  .form-row{grid-template-columns:1fr}
  .fomo{left:12px;right:12px;bottom:calc(72px + 12px)}
}

/* Legal page container */
.main{max-width:900px;margin:0 auto;padding:32px;background:#fff;border:1px solid var(--border);border-radius:14px;box-shadow:0 10px 30px rgba(2,6,23,.06)}