:root{--navy:#0F2A43;--blue:#1467D2;--blue-dark:#0F52A8;--teal:#0E9F8A;--green:#16A34A;--gray-bg:#F5F7FA;--gray-line:#E3E9F0;--gray-text:#51637A;--white:#fff;--radius:14px;--shadow:0 4px 24px rgba(15,42,67,.08)}
.hcqn *{margin:0;padding:0;box-sizing:border-box}
body.hcqn{font-family:'Public Sans',system-ui,sans-serif;color:var(--navy);background:var(--white);line-height:1.6}
.hcqn h1,.hcqn h2,.hcqn h3,.hcqn h4,.hcqn .btn{font-family:'Plus Jakarta Sans',system-ui,sans-serif}
.hcqn img{max-width:100%}
.hcqn .container{max-width:1140px;margin:0 auto;padding:0 20px}
.hcqn .btn{display:inline-block;border:none;cursor:pointer;text-decoration:none;text-align:center;font-weight:700;border-radius:10px;transition:.2s}
.hcqn .btn-primary{background:var(--blue);color:#fff;padding:16px 32px;font-size:17px}
.hcqn .btn-primary:hover{background:var(--blue-dark);transform:translateY(-1px)}
.hcqn .btn-primary:disabled{opacity:.45;cursor:not-allowed;transform:none}
.hcqn .btn-outline{background:#fff;color:var(--blue);border:2px solid var(--blue);padding:14px 30px;font-size:17px}
.hcqn .btn-outline:hover{background:#EDF4FE}
.hcqn .section{padding:72px 0}
.hcqn .section-alt{background:var(--gray-bg)}
.hcqn .kicker{color:var(--teal);font-weight:700;text-transform:uppercase;letter-spacing:.08em;font-size:13px;margin-bottom:10px}
.hcqn .h2{font-size:clamp(28px,4vw,38px);font-weight:800;line-height:1.2;margin-bottom:14px}
.hcqn .sub{color:var(--gray-text);font-size:18px;max-width:640px}
.hcqn .center{text-align:center}.hcqn .center .sub{margin:0 auto}
.hcqn .site-header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--gray-line);z-index:50}
.hcqn .nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.hcqn .logo{font-family:'Plus Jakarta Sans';font-weight:800;font-size:20px;color:var(--navy);text-decoration:none}
.hcqn .logo span{color:var(--blue)}
.hcqn .nav-links{display:flex;gap:28px;list-style:none}
.hcqn .nav-links a{text-decoration:none;color:var(--navy);font-weight:500;font-size:15px}
.hcqn .nav-links a:hover{color:var(--blue)}
.hcqn .nav-cta{display:flex;align-items:center;gap:16px}
.hcqn .phone{color:var(--navy);font-weight:700;text-decoration:none;font-size:15px}
.hcqn .phone small{display:block;font-weight:500;color:var(--gray-text);font-size:11px;text-align:right}
.hcqn .btn-nav{padding:11px 22px;font-size:15px}
@media(max-width:900px){.hcqn .nav-links{display:none}}
.hcqn .hero{background:linear-gradient(160deg,#F2F7FE 0%,#EAF6F3 100%);padding:76px 0 56px}
.hcqn .hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
@media(max-width:900px){.hcqn .hero-grid{grid-template-columns:1fr}}
.hcqn .hero h1{font-size:clamp(34px,5vw,52px);font-weight:800;line-height:1.15;margin-bottom:18px}
.hcqn .hero h1 em{color:var(--blue);font-style:normal}
.hcqn .hero-lede{font-size:19px;color:var(--gray-text);margin-bottom:28px;max-width:520px}
.hcqn .hero-ctas{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:26px}
.hcqn .trust-row{display:flex;gap:22px;flex-wrap:wrap;color:var(--gray-text);font-size:14px;font-weight:500}
.hcqn .trust-row li{list-style:none;display:flex;align-items:center;gap:7px}
.hcqn .check{color:var(--green);font-weight:800}
.hcqn .proof{display:flex;align-items:center;gap:12px;margin-bottom:22px}
.hcqn .avatar-stack{display:flex}
.hcqn .avatar-stack img{width:38px;height:38px;border-radius:50%;border:2.5px solid #fff;object-fit:cover;margin-left:-10px}
.hcqn .avatar-stack img:first-child{margin-left:0}
.hcqn .proof-text{font-size:13.5px;color:var(--gray-text);font-weight:500}
.hcqn .proof-text .stars{font-size:13px;letter-spacing:1px;margin:0}
.hcqn .quote-card{background:#fff;border:1px solid var(--gray-line);border-radius:var(--radius);box-shadow:var(--shadow);padding:30px;max-width:440px;margin-left:auto}
@media(max-width:900px){.hcqn .quote-card{margin:0 auto}}
.hcqn .quote-card h3{font-size:21px;margin-bottom:4px}
.hcqn .quote-card .qc-sub{color:var(--gray-text);font-size:14px;margin-bottom:18px}
.hcqn .progress{height:6px;background:var(--gray-line);border-radius:3px;margin-bottom:22px;overflow:hidden}
.hcqn .progress-fill{height:100%;background:var(--teal);width:16%;transition:.35s}
.hcqn .step{display:none}.hcqn .step.active{display:block}
.hcqn .step label{display:block;font-weight:600;font-size:15px;margin-bottom:8px}
.hcqn .step input[type=text],.hcqn .step input[type=tel],.hcqn .step input[type=email]{width:100%;padding:14px;border:1.5px solid var(--gray-line);border-radius:10px;font-size:16px;margin-bottom:14px;font-family:inherit}
.hcqn .step input:focus{outline:none;border-color:var(--blue)}
.hcqn .choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:10px;margin-bottom:14px}
.hcqn .choice{padding:14px 10px;border:1.5px solid var(--gray-line);border-radius:10px;background:#fff;cursor:pointer;font-size:15px;font-weight:600;color:var(--navy);text-align:center;transition:.15s;font-family:inherit}
.hcqn .choice:hover{border-color:var(--blue);background:#EDF4FE}
.hcqn .choice.selected{border-color:var(--blue);background:#EDF4FE;box-shadow:0 0 0 1px var(--blue) inset;position:relative}
.hcqn .choice.selected::after{content:'\2713';position:absolute;top:6px;right:9px;color:var(--blue);font-weight:800;font-size:13px}
.hcqn .pick-hint{font-size:12.5px;color:var(--gray-text);margin:-6px 0 10px}
.hcqn .step .btn-primary{width:100%;padding:15px}
.hcqn .back-link{display:inline-block;margin-top:12px;background:none;border:none;color:var(--gray-text);font-size:14px;cursor:pointer;font-family:inherit}
.hcqn .tcpa{font-size:11px;color:var(--gray-text);line-height:1.5;margin-top:12px}
.hcqn .tcpa a{color:var(--blue)}
.hcqn .secure-note{display:flex;align-items:center;gap:6px;justify-content:center;font-size:12px;color:var(--gray-text);margin-top:14px}
.hcqn .success-icon{width:64px;height:64px;border-radius:50%;background:#E8F7EE;color:var(--green);display:flex;align-items:center;justify-content:center;font-size:30px;margin:0 auto 16px}
.hcqn .form-error{display:none;background:#FDECEC;border:1px solid #F5B5B1;color:#B3261E;border-radius:10px;padding:10px 14px;font-size:13.5px;margin-bottom:12px}
.hcqn .logos{padding:34px 0;border-bottom:1px solid var(--gray-line)}
.hcqn .logos .container{display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.hcqn .logos span{color:#8CA0B5;font-weight:700;font-size:17px;letter-spacing:.02em}
.hcqn .logos .lead{color:var(--gray-text);font-size:13px;font-weight:600;text-transform:uppercase;letter-spacing:.08em}
.hcqn .aud-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:44px}
@media(max-width:700px){.hcqn .aud-grid{grid-template-columns:1fr}}
.hcqn .aud-card{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);text-decoration:none;display:block;min-height:340px}
.hcqn .aud-card img{width:100%;height:100%;object-fit:cover;position:absolute;inset:0;transition:.3s}
.hcqn .aud-card:hover img{transform:scale(1.03)}
.hcqn .aud-overlay{position:absolute;inset:0;background:linear-gradient(180deg,rgba(15,42,67,0) 35%,rgba(15,42,67,.85) 100%);display:flex;flex-direction:column;justify-content:flex-end;padding:26px;text-align:left}
.hcqn .aud-overlay h3{color:#fff;font-size:23px;margin-bottom:6px}
.hcqn .aud-overlay p{color:rgba(255,255,255,.85);font-size:15px;margin-bottom:14px}
.hcqn .aud-overlay .btn{align-self:flex-start;padding:11px 22px;font-size:15px;background:#fff;color:var(--blue)}
.hcqn .grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
.hcqn .grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:20px;margin-top:44px}
@media(max-width:900px){.hcqn .grid-3,.hcqn .grid-4{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.hcqn .grid-3,.hcqn .grid-4{grid-template-columns:1fr}}
.hcqn .card{background:#fff;border:1px solid var(--gray-line);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.hcqn .card .icon{width:48px;height:48px;border-radius:12px;background:#EDF4FE;color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:22px;margin-bottom:16px}
.hcqn .card h3{font-size:19px;margin-bottom:8px}
.hcqn .card p{color:var(--gray-text);font-size:15px}
.hcqn .cov-card{text-align:center;padding:24px 16px;cursor:pointer;transition:.15s;text-decoration:none;display:block}
.hcqn .cov-card:hover{border-color:var(--blue);transform:translateY(-2px)}
.hcqn .cov-card .icon{margin:0 auto 12px}
.hcqn .cov-card h3{font-size:16px;color:var(--navy)}
.hcqn .how-step{position:relative;text-align:center;padding:0 12px}
.hcqn .how-num{width:52px;height:52px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:20px;display:flex;align-items:center;justify-content:center;margin:0 auto 16px;font-family:'Plus Jakarta Sans'}
.hcqn .how-step h3{font-size:18px;margin-bottom:8px}
.hcqn .how-step p{color:var(--gray-text);font-size:15px}
.hcqn .why-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:48px;align-items:center;margin-top:44px}
@media(max-width:800px){.hcqn .why-grid{grid-template-columns:1fr}}
.hcqn .why-photo{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.hcqn .why-photo img{width:100%;height:100%;min-height:380px;object-fit:cover;display:block}
.hcqn .why-item{display:flex;gap:16px;text-align:left;margin-bottom:22px}
.hcqn .why-item .icon{flex-shrink:0;width:48px;height:48px;border-radius:12px;background:#EDF4FE;color:var(--blue);display:flex;align-items:center;justify-content:center;font-size:22px}
.hcqn .why-item h3{font-size:18px;margin-bottom:4px}
.hcqn .why-item p{color:var(--gray-text);font-size:15px}
.hcqn .stars{color:#F5A623;font-size:16px;letter-spacing:2px;margin-bottom:10px}
.hcqn .quote-text{font-size:15px;color:var(--navy);margin-bottom:14px}
.hcqn .author{font-weight:700;font-size:14px}
.hcqn .author small{display:block;font-weight:500;color:var(--gray-text)}
.hcqn .t-author{display:flex;align-items:center;gap:12px;text-align:left}
.hcqn .t-author img{width:44px;height:44px;border-radius:50%;object-fit:cover}
.hcqn .faq{max-width:760px;margin:40px auto 0}
.hcqn .faq-item{border:1px solid var(--gray-line);border-radius:12px;margin-bottom:12px;background:#fff;overflow:hidden}
.hcqn .faq-q{width:100%;text-align:left;padding:18px 20px;background:none;border:none;font-size:16px;font-weight:700;color:var(--navy);cursor:pointer;display:flex;justify-content:space-between;align-items:center;font-family:'Plus Jakarta Sans'}
.hcqn .faq-a{display:none;padding:0 20px 18px;color:var(--gray-text);font-size:15px;text-align:left}
.hcqn .faq-item.open .faq-a{display:block}
.hcqn .faq-item.open .faq-q span{transform:rotate(45deg)}
.hcqn .faq-q span{font-size:22px;color:var(--blue);transition:.2s}
.hcqn .cta-band{background:linear-gradient(135deg,var(--blue) 0%,var(--teal) 100%);color:#fff;text-align:center;padding:64px 0}
.hcqn .cta-band .h2{color:#fff}
.hcqn .cta-band p{color:rgba(255,255,255,.85);font-size:18px;margin-bottom:28px}
.hcqn .cta-band .btn{background:#fff;color:var(--blue)}
.hcqn .site-footer{background:var(--navy);color:#B9C7D6;padding:56px 0 28px;font-size:14px}
.hcqn .foot-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;margin-bottom:36px}
@media(max-width:800px){.hcqn .foot-grid{grid-template-columns:1fr 1fr}}
.hcqn .site-footer h4{color:#fff;font-size:15px;margin-bottom:14px}
.hcqn .site-footer ul{list-style:none}
.hcqn .site-footer li{margin-bottom:9px}
.hcqn .site-footer a{color:#B9C7D6;text-decoration:none}
.hcqn .site-footer a:hover{color:#fff}
.hcqn .disclaimer{border-top:1px solid rgba(255,255,255,.15);padding-top:22px;font-size:12px;line-height:1.6;color:#8CA0B5}
.hcqn .modal-overlay{display:none;position:fixed;inset:0;background:rgba(15,42,67,.55);z-index:100;padding:20px;overflow-y:auto}
.hcqn .modal-overlay.open{display:flex;align-items:center;justify-content:center}
.hcqn .modal{background:#fff;border-radius:var(--radius);max-width:560px;width:100%;padding:32px;position:relative;box-shadow:0 20px 60px rgba(15,42,67,.25);max-height:90vh;overflow-y:auto}
.hcqn .modal-close{position:absolute;top:14px;right:16px;background:none;border:none;font-size:26px;color:var(--gray-text);cursor:pointer;line-height:1}
.hcqn .modal-close:hover{color:var(--navy)}
.hcqn .modal .m-icon{width:52px;height:52px;border-radius:12px;background:#EDF4FE;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:14px}
.hcqn .modal h3{font-size:23px;margin-bottom:10px}
.hcqn .modal p{color:var(--gray-text);font-size:15px;margin-bottom:14px}
.hcqn .modal ul{margin:0 0 16px 20px;color:var(--gray-text);font-size:15px}
.hcqn .modal li{margin-bottom:8px}
.hcqn .m-fit{background:var(--gray-bg);border-radius:10px;padding:14px 16px;font-size:14px;margin-bottom:20px}
.hcqn .m-fit strong{color:var(--navy)}
.hcqn .modal .btn-primary{width:100%}
.hcqn .mobile-cta{display:none;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--gray-line);padding:10px 16px;z-index:60;gap:10px}
.hcqn .mobile-cta .btn{flex:1;padding:13px;font-size:15px}
.hcqn .mobile-cta .btn-call{background:var(--green);color:#fff}
@media(max-width:700px){.hcqn .mobile-cta{display:flex}body.hcqn{padding-bottom:64px}}
/* Inner pages */
.hcqn .page-hero{background:linear-gradient(160deg,#F2F7FE 0%,#EAF6F3 100%);padding:56px 0;text-align:center}
.hcqn .page-hero h1{font-size:clamp(30px,4.5vw,42px);font-weight:800;margin-bottom:10px}
.hcqn .page-hero p{color:var(--gray-text);font-size:18px;max-width:600px;margin:0 auto}
.hcqn .toc{max-width:940px;margin:36px auto 0;padding:0 20px;display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:600px){.hcqn .toc{grid-template-columns:1fr}}
.hcqn .toc a{display:block;background:#fff;border:1px solid var(--gray-line);border-radius:12px;padding:16px 18px;text-decoration:none;color:var(--navy);font-weight:600;font-size:15px;box-shadow:var(--shadow);transition:.15s}
.hcqn .toc a:hover{border-color:var(--blue);color:var(--blue)}
.hcqn .toc a small{display:block;color:var(--gray-text);font-weight:500;font-size:13px;margin-top:3px}
.hcqn .narrow{max-width:900px}
.hcqn .lc-article{padding:48px 0;border-bottom:1px solid var(--gray-line)}
.hcqn .lc-article:last-of-type{border-bottom:none}
.hcqn .lc-article h2{font-size:27px;font-weight:800;margin-bottom:16px}
.hcqn .lc-article h3{font-size:19px;margin:22px 0 8px}
.hcqn .lc-article p{color:#334B63;font-size:16px;margin-bottom:14px}
.hcqn .lc-article ul{margin:0 0 14px 22px;color:#334B63;font-size:16px}
.hcqn .lc-article li{margin-bottom:8px}
.hcqn .tip{background:#EAF6F3;border-left:4px solid var(--teal);border-radius:0 10px 10px 0;padding:14px 18px;font-size:15px;margin:18px 0}
.hcqn .cta-inline{background:var(--gray-bg);border-radius:12px;padding:22px;text-align:center;margin-top:24px}
.hcqn .cta-inline p{margin-bottom:14px;font-weight:600;color:var(--navy)}
.hcqn .legal{max-width:800px;margin:0 auto;padding:48px 20px 64px}
.hcqn .legal h1{font-size:34px;margin-bottom:6px}
.hcqn .legal .updated{color:var(--gray-text);font-size:14px;margin-bottom:8px}
.hcqn .legal .draft{background:#FEF3CD;border:1px solid #E6C860;border-radius:10px;padding:14px 18px;font-size:14px;margin:20px 0 32px}
.hcqn .legal h2{font-size:21px;margin:34px 0 10px}
.hcqn .legal p,.hcqn .legal li{color:#334B63;font-size:15.5px;margin-bottom:12px}
.hcqn .legal ul{margin:0 0 14px 22px}
.hcqn .legal a{color:var(--blue)}