/* Water damage design system v2: trust blue + one orange action colour, 8px spacing scale */
:root{--navy:#0b4f8a;--navy2:#083a66;--blue:#0b5fa5;--acc:#e8590c;--acc2:#c2410c;--ink:#1b2430;--muted:#4a5563;--bg:#f4f7fb;--line:#d8e1eb;--r:12px;--sh:0 2px 10px rgba(11,79,138,.08)}
*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:#fff}
a{color:var(--blue)}.wrap{max-width:1140px;margin:0 auto;padding:0 16px}.narrow{max-width:760px}
:focus-visible{outline:3px solid var(--acc2);outline-offset:2px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
header.top{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:40}header.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;padding:8px 16px;min-height:56px}
.logo{text-decoration:none;color:var(--navy);font-size:1.05rem;display:flex;gap:8px;align-items:center}.mark{flex:none}
nav.desk{display:flex;align-items:center;gap:4px}nav a{padding:8px 10px;text-decoration:none;color:var(--ink);font-size:.95rem}
.mnav{display:none;border:0;margin:0;padding:0}.mnav summary{list-style:none;cursor:pointer;font-weight:700;padding:8px 14px;border:1px solid var(--line);border-radius:8px;min-height:44px;display:flex;align-items:center}
.mnav summary::-webkit-details-marker{display:none}.mnav nav{position:absolute;right:16px;top:56px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--sh);display:flex;flex-direction:column;min-width:200px;padding:8px}
.mnav nav a{padding:12px}
@media(max-width:760px){nav.desk{display:none}.mnav{display:block}}
.btn{display:inline-block;background:var(--acc);color:#fff;border:0;border-radius:8px;padding:12px 24px;font-weight:800;text-decoration:none;cursor:pointer;font-size:1rem;min-height:48px;text-align:center}
.btn:hover{background:var(--acc2)}.btn.big{font-size:1.15rem;padding:16px 24px}.btn.sm{min-height:40px;padding:8px 16px;font-size:.95rem}
.btn.ghost{background:transparent;color:var(--navy);border:2px solid var(--navy)}.btn.ghost:hover{background:var(--bg)}
.hero{background:linear-gradient(160deg,var(--navy2),var(--navy));color:#fff}
.hero .wrap{display:grid;gap:24px;padding:24px 16px 40px;grid-template-areas:"copy" "form" "next"}
.hcopy{grid-area:copy}.hform{grid-area:form}.hnext{grid-area:next;display:grid;gap:16px}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.1fr .9fr;grid-template-areas:"copy form" "next form";grid-template-rows:auto 1fr;padding:56px 16px;align-items:start}}
@media(max-width:600px){.hero .ticks{display:none}.hero .lede{font-size:1rem;margin:8px 0 0}}
.hero h1{font-size:clamp(1.7rem,4vw,2.6rem);line-height:1.15;margin:.2em 0}.eyebrow{text-transform:uppercase;font-size:.8rem;letter-spacing:1.2px;color:#cfe4f7;margin:0}
.lede{font-size:1.1rem;color:#e6f0f9}.ticks{list-style:none;padding:0;margin:0}.ticks li{display:flex;gap:8px;align-items:flex-start;margin:8px 0}.ico{flex:none;margin-top:4px}
.small{font-size:.88rem}
.hero .card{color:var(--ink)}.hero .card h3{margin:0 0 8px}.hero .card ol{margin:0;padding-left:20px}.hero .card li{margin:4px 0}
form.lead{background:#fff;color:var(--ink);border-radius:var(--r);padding:24px;box-shadow:0 12px 32px rgba(0,0,0,.22)}form.lead h2{margin:0 0 4px}
form.lead label{display:block;font-weight:600;margin:12px 0 0;font-size:.95rem}
form.lead input{width:100%;padding:12px;border:1px solid #9fb0c2;border-radius:8px;font:inherit;margin-top:4px;min-height:48px}
form.lead input[aria-invalid=true]{border-color:#b3261e;box-shadow:0 0 0 1px #b3261e}
fieldset.issues{border:0;padding:0;margin:12px 0 0}fieldset.issues legend{font-weight:600;font-size:.95rem;padding:0;margin-bottom:8px}
.opts{display:grid;grid-template-columns:1fr 1fr;gap:8px}
form.lead label.opt{margin:0;font-weight:600;font-size:.9rem}.opt input{position:absolute;opacity:0;width:1px;height:1px}
.opt span{display:flex;align-items:center;min-height:48px;padding:8px 12px;border:2px solid var(--line);border-radius:10px;cursor:pointer;line-height:1.25}
.opt input:checked+span{border-color:var(--navy);background:#e7f0f8;color:var(--navy)}.opt input:focus-visible+span{outline:3px solid var(--acc2);outline-offset:2px}
form.lead .chk{font-weight:400;font-size:.88rem;display:flex;gap:8px;align-items:flex-start}form.lead .chk input{width:22px;min-height:22px;height:22px;margin-top:2px;flex:none}
form.lead button{width:100%;margin-top:16px}.reassure{text-align:center;font-weight:700;margin:8px 0 0;color:var(--navy)}
.ferr{color:#b3261e;font-size:.85rem;margin:4px 0 0;min-height:0}.ferr:empty{display:none}
.hp{position:absolute;left:-5000px}.msg{font-weight:700}.msg.ok{color:#137a3a}.msg.err{color:#b3261e}
section{padding:48px 0}section.alt,.trust{background:var(--bg)}h2{color:var(--navy);font-size:1.6rem;margin-top:0;line-height:1.25}
.grid,.grid3{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}.card h3{margin-top:0;color:var(--navy)}
.two{display:grid;gap:32px}@media(min-width:850px){.two{grid-template-columns:1fr 1fr}}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;position:relative;padding:4px 0 16px 52px}.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.chips{display:flex;flex-wrap:wrap;gap:8px}.chips a,.chips span{border:1px solid var(--line);background:#fff;border-radius:20px;padding:8px 16px;text-decoration:none}.chips a{border-color:var(--blue);font-weight:600}
details{border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin:8px 0}summary{font-weight:700;cursor:pointer}
.ctaband{background:var(--navy);color:#fff;text-align:center}.ctaband h2{color:#fff}
footer{background:#0d1620;color:#b9c4d0;padding:32px 0 96px;font-size:.9rem}footer a{color:#d4e3f2}
.qa{margin:0 0 16px}.qa h3{margin:0 0 4px;font-size:1.05rem}.qa p{margin:0}
.sticky{display:none}
@media(max-width:768px){.sticky{display:flex;position:fixed;left:0;right:0;bottom:0;height:56px;padding:4px 8px;background:#fff;border-top:1px solid var(--line);z-index:60;transition:transform .2s}.sticky .btn{flex:1;min-height:48px;padding:12px}.sticky.hide{transform:translateY(110%)}}
@media(min-width:769px){footer{padding-bottom:32px}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}
html{scroll-behavior:smooth}