:root{--navy:#0e3e5a;--navy-2:#082e45;--yellow:#f6a800;--paper:#f5f8fa;--ink:#173447;--muted:#5f7481;--line:#d9e3e8;--white:#fff;--shadow:0 18px 50px rgba(14,62,90,.12);--radius:18px}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;line-height:1.65;background:#fff}img{max-width:100%;display:block}a{color:inherit}.container{width:min(1180px,calc(100% - 40px));margin-inline:auto}.skip{position:absolute;left:-999px;top:10px;background:#fff;padding:10px;z-index:99}.skip:focus{left:10px}.topline{height:5px;background:var(--yellow)}header{position:sticky;top:0;z-index:30;background:rgba(255,255,255,.96);backdrop-filter:blur(12px);border-bottom:1px solid rgba(14,62,90,.1)}.nav{min-height:88px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand img{width:255px;height:auto}.navlinks{display:flex;align-items:center;gap:24px;font-size:15px;font-weight:700}.navlinks a{text-decoration:none}.navlinks a:hover,.navlinks a:focus{color:#a46f00}.btn{display:inline-flex;align-items:center;justify-content:center;gap:9px;min-height:50px;padding:12px 20px;border-radius:8px;border:2px solid transparent;background:var(--yellow);color:#162f3e;font-weight:800;text-decoration:none;cursor:pointer;font:inherit}.btn:hover{background:#ffb817}.btn.secondary{background:transparent;border-color:var(--navy);color:var(--navy)}.menu{display:none;border:0;background:var(--paper);padding:10px;border-radius:8px;font-weight:800;color:var(--navy)}.hero{position:relative;overflow:hidden;background:linear-gradient(135deg,var(--navy-2),var(--navy));color:#fff;padding:80px 0 64px}.hero:after{content:"";position:absolute;width:360px;height:360px;border:70px solid rgba(246,168,0,.16);right:-100px;top:-145px;transform:rotate(18deg)}.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:center;position:relative;z-index:1}.eyebrow{display:inline-flex;gap:8px;align-items:center;color:var(--yellow);font-size:14px;font-weight:900;letter-spacing:.08em;text-transform:uppercase}.eyebrow:before{content:"";width:28px;height:3px;background:currentColor}.hero h1,.page-hero h1{font-size:clamp(2.5rem,5vw,4.7rem);line-height:1.03;margin:.25em 0 .32em;letter-spacing:-.045em}.hero p{font-size:1.17rem;color:#dbe7ed;max-width:670px}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.hero .btn.secondary{border-color:#fff;color:#fff}.proof{margin-top:30px;display:flex;gap:10px;flex-wrap:wrap}.proof span{border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:8px 13px;font-size:14px;font-weight:750}.quote-card{background:#fff;color:var(--ink);padding:28px;border-radius:var(--radius);box-shadow:0 28px 70px rgba(0,0,0,.25)}.quote-card strong{font-size:1.25rem;color:var(--navy)}.quote-card ul{padding-left:20px;margin:16px 0 22px}.section{padding:88px 0}.section.soft{background:var(--paper)}.section.dark{background:var(--navy);color:#fff}.section-head{display:flex;justify-content:space-between;gap:30px;align-items:end;margin-bottom:38px}.section h2{font-size:clamp(2rem,4vw,3.25rem);line-height:1.1;letter-spacing:-.035em;color:var(--navy);margin:0}.section.dark h2{color:#fff}.section-head p{max-width:600px;color:var(--muted);margin:0}.grid{display:grid;gap:20px}.grid.three{grid-template-columns:repeat(3,1fr)}.grid.four{grid-template-columns:repeat(4,1fr)}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;box-shadow:0 5px 18px rgba(14,62,90,.04)}.card h3{color:var(--navy);font-size:1.25rem;line-height:1.25;margin:10px 0}.card p{color:var(--muted);margin-bottom:0}.card .number{font-size:.85rem;font-weight:900;color:#9a6900;letter-spacing:.1em}.card-link{text-decoration:none;transition:transform .2s,box-shadow .2s}.card-link:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;counter-reset:step}.step{counter-increment:step;background:#fff;border-radius:var(--radius);padding:28px;border-top:4px solid var(--yellow);color:var(--ink)}.step:before{content:counter(step,decimal-leading-zero);font-weight:900;color:#a36d00;font-size:.85rem;letter-spacing:.08em}.step h3{color:var(--navy);margin:.3rem 0}.band{background:var(--yellow);padding:38px 0}.band-inner{display:flex;justify-content:space-between;align-items:center;gap:28px}.band h2{font-size:2rem;margin:0;color:var(--navy)}.profile{display:grid;grid-template-columns:.85fr 1.15fr;gap:60px;align-items:center}.profile-mark{min-height:400px;border-radius:var(--radius);background:var(--navy);padding:42px;color:#fff;position:relative;overflow:hidden;display:flex;flex-direction:column;justify-content:flex-end}.profile-mark:before{content:"VHV";font-size:9rem;line-height:.8;font-weight:950;color:rgba(255,255,255,.07);position:absolute;top:30px;left:20px}.profile-mark img{position:absolute;bottom:0;left:0;width:100%;opacity:.72}.profile-mark div{position:relative;z-index:1}.profile-mark h3{font-size:2rem;margin:0}.profile-mark p{margin:0;color:#d8e5eb}.list-check{list-style:none;padding:0}.list-check li{position:relative;padding-left:28px;margin:10px 0}.list-check li:before{content:"✓";position:absolute;left:0;color:#a36d00;font-weight:900}.page-hero{background:var(--navy);color:#fff;padding:62px 0}.page-hero h1{max-width:900px;font-size:clamp(2.4rem,5vw,4rem)}.page-hero p{max-width:760px;color:#dbe7ed;font-size:1.12rem}.breadcrumbs{font-size:14px;color:#bed0d9}.content{max-width:820px}.content h2,.content h3{color:var(--navy);line-height:1.2}.content h2{font-size:2rem;margin-top:2em}.content h3{font-size:1.35rem;margin-top:1.7em}.form-shell{display:grid;grid-template-columns:.7fr 1.3fr;gap:42px;align-items:start}.form-card{background:#fff;border-radius:var(--radius);padding:32px;border:1px solid var(--line);box-shadow:var(--shadow)}fieldset{border:0;padding:0;margin:0 0 25px}legend{font-weight:900;color:var(--navy);font-size:1.15rem;margin-bottom:14px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}label{font-weight:750;font-size:15px;color:var(--navy)}input,select,textarea{width:100%;border:1px solid #b9c8d0;border-radius:8px;padding:13px 14px;font:inherit;background:#fff;color:var(--ink)}input:focus,select:focus,textarea:focus{outline:3px solid rgba(246,168,0,.3);border-color:#aa7300}textarea{min-height:120px;resize:vertical}.hint{font-size:13px;color:var(--muted)}.status{display:none;margin-top:18px;padding:16px;border-radius:8px;background:#e7f4ed;color:#195b37}.status.show{display:block}.download-box{display:grid;grid-template-columns:1.1fr .9fr;gap:34px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:38px}.download-box h2{color:#fff}.download-box p{color:#dbe7ed}.download-form{background:#fff;color:var(--ink);padding:24px;border-radius:12px}.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 22px;margin:12px 0}.faq summary{cursor:pointer;font-weight:850;color:var(--navy)}footer{background:var(--navy-2);color:#dbe7ed;padding:58px 0 22px;position:relative;overflow:hidden}footer .skyline{width:100%;opacity:.35;margin-bottom:28px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(2,1fr);gap:50px}.footer-logo{background:#fff;padding:10px;border-radius:8px;width:230px}.footer-grid h3{color:#fff;font-size:1rem}.footer-grid a{display:block;color:#dbe7ed;text-decoration:none;margin:7px 0}.legal{border-top:1px solid rgba(255,255,255,.14);margin-top:34px;padding-top:20px;font-size:13px;display:flex;justify-content:space-between;gap:20px}.tag{display:inline-block;background:#fff2cf;color:#745000;border-radius:999px;padding:5px 10px;font-size:13px;font-weight:800}@media(max-width:900px){.navlinks{display:none;position:absolute;left:0;right:0;top:88px;background:#fff;padding:22px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.navlinks.open{display:flex}.menu{display:block}.nav .btn.nav-cta{display:none}.hero-grid,.profile,.form-shell,.download-box{grid-template-columns:1fr}.hero{padding-top:58px}.quote-card{max-width:650px}.grid.four{grid-template-columns:repeat(2,1fr)}.grid.three,.steps{grid-template-columns:1fr 1fr}.profile-mark{min-height:300px}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}@media(max-width:600px){body{font-size:16px}.container{width:min(100% - 28px,1180px)}.brand img{width:190px}.nav{min-height:76px}.navlinks{top:76px}.hero h1{font-size:2.55rem}.hero-grid{gap:36px}.section{padding:64px 0}.section-head,.band-inner{display:block}.band .btn{margin-top:18px}.grid.four,.grid.three,.steps,.fields,.footer-grid{grid-template-columns:1fr}.quote-card,.form-card,.download-box{padding:23px}.actions .btn{width:100%}.footer-grid>div:first-child{grid-column:auto}.legal{display:block}.profile-mark:before{font-size:6.5rem}}

.quote-feedback { margin: 1rem 0; padding: 1rem 1.2rem; border: 1px solid #b8c9d0; border-radius: 8px; background: #f2f6f7; line-height: 1.6; }
.quote-feedback[hidden] { display: none; }
.quote-feedback.success { border-color: #31764b; background: #edf7ef; color: #17452a; }
.quote-feedback.error { border-color: #b04433; background: #fff3ef; color: #782d21; }
button:disabled { opacity: .65; cursor: default; }