* {
  box-sizing: border-box;
}

body {
  margin: 0;
  font-family: "Inter", "Segoe UI", Arial, sans-serif;
  color: #1b1b1b;
  background: #f5f4f1;
  line-height: 1.6;
}

a {
  color: #1a4c8c;
  text-decoration: none;
}

img {
  width: 100%;
  height: 100%;
  object-fit: cover;
  display: block;
}

.container {
  width: min(1180px, 92%);
  margin: 0 auto;
}

.masthead {
  background: #101820;
  color: #f6f6f2;
  padding: 18px 0 8px;
}

.masthead-top {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 16px;
}

.brand {
  font-size: 1.4rem;
  font-weight: 700;
  letter-spacing: 0.6px;
}

.ad-label {
  font-size: 0.82rem;
  background: #f0b429;
  color: #1b1b1b;
  padding: 4px 10px;
  border-radius: 16px;
}

.nav-links {
  display: flex;
  flex-wrap: wrap;
  gap: 14px;
  font-size: 0.92rem;
}

.hero {
  background: #f5f4f1;
  padding: 32px 0 48px;
}

.hero-grid {
  display: flex;
  gap: 24px;
}

.hero-main {
  flex: 1.5;
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.hero-main h1 {
  font-size: clamp(2.2rem, 3vw, 3rem);
  line-height: 1.2;
  margin: 0;
}

.hero-side {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.hero-image {
  flex: 1;
  border-radius: 18px;
  overflow: hidden;
  background: #d9d7d2;
  min-height: 220px;
}

.panel {
  background: #ffffff;
  padding: 18px;
  border-radius: 16px;
  box-shadow: 0 14px 28px rgba(0, 0, 0, 0.08);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.panel h3 {
  margin: 0;
}

.button {
  padding: 12px 18px;
  border: none;
  border-radius: 22px;
  background: #1a4c8c;
  color: #fff;
  font-size: 0.95rem;
  cursor: pointer;
  align-self: flex-start;
}

.button.secondary {
  background: #f0b429;
  color: #1b1b1b;
}

.section {
  padding: 42px 0;
}

.section.alt {
  background: #ffffff;
}

.insight-bg {
  background-color: #12324a;
  background-image: url("https://images.unsplash.com/photo-1648785010157-8dc75341ca8f?crop=entropy&cs=tinysrgb&fit=max&fm=jpg&ixid=M3w5NzM4NDF8MHwxfHNlYXJjaHwyM3x8SW5mb3JtZSUyMEVjb24lQzMlQjNtaWNvJTIwRGlhcmlvJTNBJTIwYW4lQzMlQTFsaXNpcyUyMGNsYXJvJTIwcGFyYSUyMGRlY2lzaW9uZXMlMjBpbmZvcm1hZGFzLnxlc3wwfDB8fHwxNzgzMDk1NTA3fDA&ixlib=rb-4.1.0&q=80&w=1080");
  background-size: cover;
  background-position: center;
  color: #f5f4f1;
}

.section-title {
  display: flex;
  align-items: baseline;
  gap: 12px;
  margin-bottom: 18px;
}

.section-title h2 {
  margin: 0;
  font-size: 1.7rem;
}

.columns {
  display: flex;
  gap: 20px;
}

.column {
  flex: 1;
  display: flex;
  flex-direction: column;
  gap: 16px;
}

.card {
  background: #ffffff;
  border-radius: 14px;
  overflow: hidden;
  box-shadow: 0 10px 24px rgba(0, 0, 0, 0.08);
  display: flex;
  flex-direction: column;
}

.card-image {
  background: #d7dadf;
  height: 180px;
}

.card-body {
  padding: 16px;
}

.quote {
  font-style: italic;
  padding: 16px;
  background: #f2efe9;
  border-left: 4px solid #1a4c8c;
}

.services-grid {
  display: flex;
  gap: 20px;
  flex-wrap: wrap;
}

.service-card {
  background: #ffffff;
  border-radius: 14px;
  padding: 18px;
  flex: 1 1 240px;
  display: flex;
  flex-direction: column;
  gap: 10px;
  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.08);
}

.price {
  font-size: 1.2rem;
  font-weight: 700;
  color: #1a4c8c;
}

.wide-image {
  border-radius: 16px;
  overflow: hidden;
  background: #cdd6df;
  height: 320px;
}

.form-wrap {
  background: #ffffff;
  padding: 24px;
  border-radius: 16px;
  box-shadow: 0 12px 30px rgba(0, 0, 0, 0.09);
  display: flex;
  flex-direction: column;
  gap: 12px;
}

.form-row {
  display: flex;
  flex-direction: column;
  gap: 6px;
}

input,
select,
textarea {
  padding: 10px 12px;
  border-radius: 10px;
  border: 1px solid #c6c6c6;
  font-size: 0.95rem;
}

.two-col {
  display: flex;
  gap: 20px;
}

.footer {
  background: #101820;
  color: #f2f2ed;
  padding: 36px 0;
}

.footer a {
  color: #f2f2ed;
}

.footer-grid {
  display: flex;
  gap: 24px;
}

.sticky-cta {
  position: fixed;
  bottom: 16px;
  right: 16px;
  background: #1a4c8c;
  color: #fff;
  padding: 12px 16px;
  border-radius: 22px;
  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.2);
  display: flex;
  align-items: center;
  gap: 10px;
  z-index: 20;
}

.sticky-cta button {
  background: #f0b429;
  color: #1b1b1b;
  border: none;
  border-radius: 18px;
  padding: 8px 14px;
  cursor: pointer;
}

.cookie-banner {
  position: fixed;
  left: 20px;
  bottom: 20px;
  width: min(420px, 90%);
  background: #ffffff;
  border-radius: 14px;
  padding: 16px;
  box-shadow: 0 12px 26px rgba(0, 0, 0, 0.18);
  z-index: 30;
}

.cookie-actions {
  display: flex;
  gap: 10px;
  margin-top: 10px;
}

.cookie-actions button {
  flex: 1;
  padding: 8px 12px;
  border-radius: 16px;
  border: none;
  cursor: pointer;
}

.cookie-accept {
  background: #1a4c8c;
  color: #fff;
}

.cookie-reject {
  background: #e5e5e5;
  color: #1b1b1b;
}

.sidebar-layout {
  display: flex;
  gap: 24px;
}

.sidebar {
  flex: 0.7;
  background: #ffffff;
  padding: 18px;
  border-radius: 16px;
  box-shadow: 0 10px 22px rgba(0, 0, 0, 0.08);
  height: fit-content;
}

.content-area {
  flex: 1.3;
  display: flex;
  flex-direction: column;
  gap: 18px;
}

.legal {
  background: #ffffff;
  padding: 24px;
  border-radius: 16px;
  box-shadow: 0 12px 24px rgba(0, 0, 0, 0.08);
}

@media (max-width: 980px) {
  .hero-grid,
  .columns,
  .two-col,
  .footer-grid,
  .sidebar-layout {
    flex-direction: column;
  }

  .sticky-cta {
    right: 12px;
    left: 12px;
    bottom: 12px;
    justify-content: space-between;
  }
}