:root {
  --accent-color: #1c63a3;
  --default-font: system-ui, -apple-system, "Segoe UI", sans-serif;
  --heading-font: system-ui, -apple-system, "Segoe UI", sans-serif;
  --nav-font: system-ui, -apple-system, "Segoe UI", sans-serif;
}

body { overflow-wrap: anywhere; }
:focus-visible { outline: 3px solid #1671c5; outline-offset: 4px; }
.skip-link { position: fixed; left: 1rem; top: -6rem; z-index: 10000; padding: .8rem 1.2rem; background: #fff; color: #123b63; border: 2px solid currentColor; border-radius: .5rem; }
.skip-link:focus { top: 1rem; }
.mobile-nav-toggle { background: none; border: 0; padding: .5rem; }
.hero { background: linear-gradient(140deg, #f1f7fc, #fff 70%); }
.hero .hero-content .hero-eyebrow { color: #245480; font-size: .85rem; font-weight: 700; letter-spacing: .08em; text-transform: uppercase; }
.hero .hero-content h1 { font-size: clamp(2.25rem, 4.4vw, 3.8rem); line-height: 1.12; letter-spacing: -.035em; }
.hero .hero-content > p { max-width: 39rem; }
.hero .hero-content p { color: #425568; }
.hero .hero-content .hero-note { font-size: .87rem; color: #425568; margin-top: 1.5rem; }
.hero .hero-actions { flex-wrap: wrap; gap: 1rem; }
.hero-secondary { color: #123b63; font-weight: 600; text-decoration: underline; text-underline-offset: .25em; padding: .8rem 0; }
.hero-image img { border-radius: 1.5rem; }
.about .about-image img { display: block; width: 100%; max-width: 300px; height: auto; margin-inline: auto; }
.service-card { height: 100%; border: 1px solid #dfE8f0; border-radius: 1rem; }
.service-link { display: inline-block; margin-top: .75rem; font-weight: 600; text-underline-offset: .2em; }
.process-section { background: #f3f7fb; }
.process-grid { display: grid; grid-template-columns: repeat(3, 1fr); gap: 1.5rem; list-style: none; padding: 0; margin: 0; }
.process-grid li { background: #fff; border: 1px solid #dfe8f0; padding: 1.7rem; border-radius: 1rem; }
.process-number { display: inline-block; color: #1b5f9b; font-weight: 750; margin-bottom: 1rem; }
.process-grid h3 { font-size: 1.2rem; }
.process-grid p { margin: .8rem 0 0; color: #425568; }
.faq .faq-header h3 { font-size: 1.1rem; margin: 0; flex: 1; }
.faq-question { display: block; width: 100%; text-align: left; border: 0; background: transparent; color: inherit; font: inherit; font-weight: 650; padding: .4rem 0; }
.faq .faq-item .faq-content { max-height: none; opacity: 1; padding: 1rem 1.5rem; }
.faq .faq-item .faq-content[hidden] { display: none; }
.contact-form { background: #fff; border: 1px solid #dfe8f0; box-shadow: 0 8px 32px #123b630a; padding: 2rem; border-radius: 1rem; }
.contact-form .form-control { padding: .8rem; border-color: #9bafc0; }
.contact-form .form-label { font-weight: 600; color: #243d53; }
.contact-form #contact-help { color: #425568; font-size: .9rem; }
.contact-form .contact-privacy { color: #425568; font-size: .85rem; line-height: 1.65; }
.contact-form button[type="submit"] { min-height: 48px; padding: .8rem 1.5rem; }
.contact-form button:disabled { opacity: .65; cursor: wait; }
.contact-trap { position: absolute; left: -10000px; width: 1px; height: 1px; overflow: hidden; }
.contact-sidebar { background: #123b63; color: #fff; padding: 2rem; border-radius: 1rem; height: 100%; }
.contact-sidebar h3, .contact-sidebar a { color: #fff; }
.contact-sidebar li { margin: 1rem 0; }
.contact-sidebar a { text-decoration: underline; text-underline-offset: .2em; }

@media (max-width: 767px) {
  .process-grid { grid-template-columns: 1fr; }
  .contact-form, .contact-sidebar { padding: 1.25rem; }
  .contact-sidebar { margin-bottom: 1.5rem; height: auto; }
  .contact-form .col-md-6 + .col-md-6 { margin-top: 1rem; }
  .hero .hero-actions { align-items: flex-start; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto !important; }
  *, *::before, *::after { animation: none !important; transition: none !important; }
}