:root{
  --navy:#0B3D5C;
  --navy-deep:#082C43;
  --amber:#F6A417;
  --amber-dark:#d98c05;
  --ink:#12212b;
  --muted:#5c6b75;
  --line:#e3e9ee;
  --bg:#f5f8fa;
  --white:#ffffff;
  --radius:16px;
  --shadow:0 14px 40px rgba(11,61,92,.10);
  --shadow-sm:0 4px 14px rgba(11,61,92,.08);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Sora',sans-serif;line-height:1.15;color:var(--navy);letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{width:100%;max-width:1160px;margin:0 auto;padding:0 22px}
section{padding:84px 0}
.eyebrow{display:inline-flex;align-items:center;gap:8px;font-family:'Sora';font-weight:700;font-size:.74rem;letter-spacing:.14em;text-transform:uppercase;color:var(--amber-dark);background:rgba(246,164,23,.12);padding:7px 15px;border-radius:999px;margin-bottom:18px}
.section-head{max-width:680px;margin-bottom:52px}
.section-head.center{margin-inline:auto;text-align:center}
.section-head h2{font-size:clamp(1.7rem,3.4vw,2.5rem);margin-bottom:14px}
.section-head p{color:var(--muted);font-size:1.05rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:'Sora';font-weight:700;font-size:.98rem;padding:15px 28px;border-radius:999px;border:2px solid transparent;cursor:pointer;transition:.2s transform,.2s box-shadow,.2s background}
.btn:hover{transform:translateY(-2px)}
.btn-accent{background:var(--amber);color:var(--navy-deep);box-shadow:0 8px 22px rgba(246,164,23,.4)}
.btn-accent:hover{background:var(--amber-dark)}
.btn-ghost{background:transparent;color:var(--white);border-color:rgba(255,255,255,.45)}
.btn-ghost:hover{background:rgba(255,255,255,.1)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.btn-sm{padding:11px 20px;font-size:.9rem}

/* Ad strip */
.ad-strip{background:var(--navy-deep);color:#cdd9e1;font-size:.78rem;text-align:center;padding:8px 16px}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.92);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;gap:20px;height:74px}
.brand{display:flex;align-items:center;gap:12px}
.brand-mark{display:grid;place-items:center;width:44px;height:44px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--navy-deep));color:var(--amber);font-family:'Sora';font-weight:800;font-size:.95rem}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text strong{font-family:'Sora';font-size:1.02rem;color:var(--navy)}
.brand-text em{font-style:normal;font-size:.72rem;color:var(--muted)}
.main-nav{display:flex;gap:26px;margin-left:auto}
.main-nav a{font-weight:500;font-size:.95rem;color:var(--ink);position:relative}
.main-nav a:hover{color:var(--navy)}
.main-nav a::after{content:"";position:absolute;left:0;bottom:-6px;width:0;height:2px;background:var(--amber);transition:.25s}
.main-nav a:hover::after{width:100%}
.header-cta{display:flex;align-items:center;gap:16px}
.phone-link{font-family:'Sora';font-weight:700;font-size:.9rem;color:var(--navy);white-space:nowrap}
.nav-toggle{display:none;background:none;border:none;font-size:1.6rem;color:var(--navy);cursor:pointer}

/* Hero */
.hero{position:relative;background:radial-gradient(1200px 500px at 80% -10%,rgba(246,164,23,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-deep) 100%);color:#fff;overflow:hidden;padding:96px 0 108px}
.hero::after{content:"";position:absolute;inset:0;background-image:radial-gradient(rgba(255,255,255,.06) 1px,transparent 1px);background-size:26px 26px;opacity:.5;pointer-events:none}
.hero-inner{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero .eyebrow{background:rgba(255,255,255,.12);color:#ffe4ac}
.hero h1{color:#fff;font-size:clamp(2.1rem,5vw,3.5rem);font-weight:800;margin-bottom:20px}
.hero h1 span{color:var(--amber)}
.hero p.lead{font-size:1.14rem;color:#d5e2ea;max-width:520px;margin-bottom:32px}
.hero-actions{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:26px}
.hero-badges{display:flex;flex-wrap:wrap;gap:20px;font-size:.9rem;color:#cfe0e9}
.hero-badges span{display:flex;align-items:center;gap:7px}
.hero-badges b{color:var(--amber)}
/* hero card */
.hero-card{background:var(--white);border-radius:22px;padding:30px;box-shadow:var(--shadow);color:var(--ink)}
.hero-card h3{font-size:1.15rem;margin-bottom:6px}
.hero-card>p{color:var(--muted);font-size:.9rem;margin-bottom:20px}
.mini-steps{display:flex;flex-direction:column;gap:14px}
.mini-step{display:flex;gap:14px;align-items:flex-start}
.mini-step .num{flex:none;width:30px;height:30px;border-radius:9px;background:rgba(11,61,92,.08);color:var(--navy);font-family:'Sora';font-weight:700;display:grid;place-items:center;font-size:.85rem}
.mini-step p{font-size:.9rem;color:var(--ink)}
.mini-step p b{display:block;font-family:'Sora'}
.hero-card .btn{width:100%;justify-content:center;margin-top:22px}

/* Stats */
.stats{background:var(--white);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.stats .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.stat{text-align:center;padding:14px}
.stat b{display:block;font-family:'Sora';font-weight:800;font-size:2.3rem;color:var(--navy)}
.stat b i{font-style:normal;color:var(--amber)}
.stat span{color:var(--muted);font-size:.92rem;font-weight:500}

/* Steps */
.steps-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.step-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:34px 28px;position:relative;transition:.25s;box-shadow:var(--shadow-sm)}
.step-card:hover{transform:translateY(-6px);box-shadow:var(--shadow);border-color:transparent}
.step-card .step-no{font-family:'Sora';font-weight:800;font-size:2.4rem;color:rgba(11,61,92,.12);line-height:1}
.step-card h3{font-size:1.2rem;margin:12px 0 8px}
.step-card p{color:var(--muted);font-size:.96rem}

/* Why us / feature list */
.why{background:linear-gradient(160deg,#0d4467,var(--navy-deep));color:#fff}
.why h2,.why h3{color:#fff}
.why .eyebrow{background:rgba(255,255,255,.12);color:#ffe4ac}
.why-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:14px}
.why-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:30px 26px}
.why-card .step-no{color:var(--amber);font-family:'Sora';font-weight:800;font-size:1.4rem}
.why-card h3{font-size:1.12rem;margin:10px 0 8px}
.why-card p{color:#cfe0e9;font-size:.95rem}
.why-cta{text-align:center;margin-top:44px}

/* Claim types */
.claims-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.claim-card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:30px 24px;text-align:center;transition:.25s;box-shadow:var(--shadow-sm)}
.claim-card:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.claim-ico{font-size:2.4rem;margin-bottom:14px}
.claim-card h3{font-size:1.1rem;margin-bottom:8px}
.claim-card p{color:var(--muted);font-size:.9rem}

/* Impact / checklist */
.impact{background:var(--white)}
.impact-inner{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.check-list{display:grid;gap:16px;margin-top:8px}
.check-item{display:flex;gap:14px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px 20px}
.check-item .tick{flex:none;width:28px;height:28px;border-radius:50%;background:var(--amber);color:var(--navy-deep);display:grid;place-items:center;font-weight:800}
.check-item b{font-family:'Sora';display:block;font-size:1rem}
.check-item span{color:var(--muted);font-size:.9rem}

/* FAQ */
.faq-wrap{max-width:820px;margin:0 auto}
.faq-item{background:var(--white);border:1px solid var(--line);border-radius:14px;margin-bottom:14px;overflow:hidden;box-shadow:var(--shadow-sm)}
.faq-q{width:100%;text-align:left;background:none;border:none;padding:22px 24px;font-family:'Sora';font-weight:600;font-size:1.04rem;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;gap:16px;align-items:center}
.faq-q .chev{transition:.3s;color:var(--amber);flex:none}
.faq-item.open .chev{transform:rotate(180deg)}
.faq-a{max-height:0;overflow:hidden;transition:max-height .3s ease;color:var(--muted)}
.faq-a p{padding:0 24px 22px;font-size:.97rem}

/* CTA band */
.cta-band{background:radial-gradient(900px 400px at 15% 0%,rgba(246,164,23,.2),transparent 55%),linear-gradient(160deg,var(--navy),var(--navy-deep));color:#fff;text-align:center}
.cta-band h2{color:#fff;font-size:clamp(1.7rem,3.5vw,2.5rem);margin-bottom:14px}
.cta-band p{color:#d5e2ea;max-width:560px;margin:0 auto 30px}

/* Footer */
.site-footer{background:var(--navy-deep);color:#c3d2dc;padding:64px 0 26px;font-size:.92rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:36px;padding-bottom:40px;border-bottom:1px solid rgba(255,255,255,.1)}
.footer-brand p{margin-top:16px;color:#9fb4c1;max-width:300px}
.footer-brand .brand-text strong{color:#fff}
.footer-brand .brand-text em{color:#9fb4c1}
.footer-col h4{color:#fff;font-size:.95rem;margin-bottom:16px}
.footer-col a,.footer-col span{display:block;color:#9fb4c1;margin-bottom:10px;transition:.2s}
.footer-col a:hover{color:var(--amber)}
.footer-legal{padding-top:26px;color:#7f95a3;font-size:.8rem;line-height:1.7}
.footer-legal .copy{margin-top:16px;color:#9fb4c1}
.footer-legal a{color:var(--amber)}

/* Case review page */
.review-hero{background:linear-gradient(160deg,var(--navy),var(--navy-deep));color:#fff;padding:60px 0 40px;text-align:center}
.review-hero h1{color:#fff;font-size:clamp(1.8rem,4vw,2.6rem)}
.review-hero p{color:#d5e2ea;max-width:560px;margin:14px auto 0}
.form-section{padding:56px 0 84px}
.form-card{max-width:720px;margin:-70px auto 0;background:var(--white);border-radius:20px;box-shadow:var(--shadow);padding:40px;position:relative;z-index:2}
.form-progress{color:var(--amber-dark);font-family:'Sora';font-weight:700;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:6px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px;margin-top:24px}
.field{display:flex;flex-direction:column;gap:7px}
.field.full{grid-column:1/-1}
.field label{font-family:'Sora';font-weight:600;font-size:.9rem;color:var(--navy)}
.field label .req{color:#d64545}
.field input,.field select,.field textarea{font-family:'Inter';font-size:.98rem;padding:13px 15px;border:1.5px solid var(--line);border-radius:11px;background:#fbfcfd;transition:.2s;width:100%}
.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--amber);background:#fff;box-shadow:0 0 0 3px rgba(246,164,23,.15)}
.field textarea{resize:vertical;min-height:110px}
.consent{grid-column:1/-1;display:flex;gap:12px;align-items:flex-start;background:var(--bg);border:1px solid var(--line);border-radius:12px;padding:16px;font-size:.82rem;color:var(--muted)}
.consent input{margin-top:3px;width:18px;height:18px;flex:none;accent-color:var(--amber)}
.form-card .btn{width:100%;justify-content:center;margin-top:24px}
.form-note{text-align:center;color:var(--muted);font-size:.82rem;margin-top:16px}
.alert{padding:15px 18px;border-radius:12px;margin-bottom:22px;font-size:.95rem}
.alert-error{background:#fdecec;border:1px solid #f5c2c2;color:#b02525}
.alert-ok{background:#e8f7ee;border:1px solid #b6e3c8;color:#1e7a45}
.trust-row{display:flex;flex-wrap:wrap;justify-content:center;gap:26px;margin-top:26px;color:#cfe0e9;font-size:.88rem}
.trust-row span{display:flex;gap:7px;align-items:center}

/* Legal pages */
.legal-page{background:var(--white);padding:56px 0 84px}
.legal-page .wrap{max-width:820px}
.legal-page h1{font-size:2rem;margin-bottom:8px}
.legal-page .updated{color:var(--muted);font-size:.9rem;margin-bottom:30px}
.legal-page h2{font-size:1.25rem;margin:32px 0 10px}
.legal-page p,.legal-page li{color:#3a4a54;margin-bottom:12px}
.legal-page ul{padding-left:22px}

/* Responsive */
@media(max-width:960px){
  .hero-inner{grid-template-columns:1fr;gap:38px}
  .impact-inner{grid-template-columns:1fr;gap:34px}
  .stats .wrap{grid-template-columns:repeat(2,1fr)}
  .steps-grid,.why-grid{grid-template-columns:1fr}
  .claims-grid{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media(max-width:720px){
  section{padding:60px 0}
  .main-nav,.header-cta .phone-link{display:none}
  .main-nav.open{display:flex;position:absolute;top:74px;left:0;right:0;flex-direction:column;background:#fff;padding:18px 22px;border-bottom:1px solid var(--line);box-shadow:var(--shadow-sm)}
  .nav-toggle{display:block;margin-left:auto}
  .header-cta{margin-left:0}
  .form-grid{grid-template-columns:1fr}
  .form-card{padding:26px}
}
@media(max-width:480px){
  .claims-grid,.footer-grid,.stats .wrap{grid-template-columns:1fr}
}