:root {
      --nm-navy:#18273F;
      --nm-blue:#007DAA;
      --nm-blue-light:#0099D8;
      --nm-gold:#FFC82E;
      --nm-gold-dark:#E6B229;
      --dark:#1F2933;
      --light:#F7F9FC;
      --border:#D9E1EC;
      --muted:#6B7280;
      --success:#10B981;
      --error:#EF4444;
      --urgent:#DC2626;
      font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;
    }
    *{margin:0;padding:0;box-sizing:border-box;}
    body{color:var(--dark);background:var(--light);line-height:1.6;}
    a{color:var(--nm-blue);text-decoration:none;}
    .container{max-width:1200px;margin:0 auto;padding:0 16px;}
    
    /* Urgency Banner */
    .urgency-banner{background:linear-gradient(90deg,var(--nm-navy) 0%,var(--nm-blue) 100%);color:#fff;padding:12px;text-align:center;font-weight:700;font-size:14px;}
    .urgency-banner span{background:var(--nm-gold);color:var(--nm-navy);padding:2px 8px;border-radius:4px;margin-left:8px;}

    header{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20;box-shadow:0 2px 8px rgba(0,0,0,.05);}
    nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;}
    nav .logo{font-weight:800;color:var(--nm-navy);font-size:18px;}
    nav .trust{display:flex;align-items:center;gap:8px;font-size:13px;color:var(--muted);}
    nav .phone{background:var(--nm-gold);color:var(--nm-navy);padding:8px 16px;border-radius:6px;font-weight:800;}

    .hero{padding:40px 0 32px;background:linear-gradient(180deg,#ffffff 0%,#f0f6ff 100%);text-align:center;}
    .hero-badge{display:inline-flex;align-items:center;gap:8px;background:var(--success);color:#fff;padding:6px 14px;border-radius:999px;font-weight:800;font-size:13px;margin-bottom:16px;}
    .pulse{display:inline-block;width:8px;height:8px;background:#fff;border-radius:50%;animation:pulse 2s infinite;}
    @keyframes pulse{0%,100%{opacity:1;}50%{opacity:.3;}}
    
    .hero-question{font-size:36px;line-height:1.2;color:var(--nm-navy);margin-bottom:12px;max-width:800px;margin-left:auto;margin-right:auto;font-weight:800;}
    .hero-sub{font-size:20px;color:var(--nm-blue);margin-bottom:8px;font-weight:700;}
    .hero-timer{font-size:16px;color:var(--urgent);font-weight:700;margin-bottom:28px;}
    .countdown{background:var(--nm-gold);color:var(--nm-navy);padding:2px 8px;border-radius:4px;font-weight:800;}

    .concern-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px;max-width:900px;margin:0 auto 20px;}
    .concern-card{background:#fff;border:3px solid var(--border);border-radius:12px;padding:16px 14px;cursor:pointer;transition:all .2s;text-align:left;position:relative;}
    .concern-card:hover{border-color:var(--nm-blue);transform:translateY(-3px);box-shadow:0 12px 32px rgba(0,125,170,.2);}
    .concern-card.selected{border-color:var(--nm-gold);background:linear-gradient(135deg,#fffbeb 0%,#fef3c7 100%);box-shadow:0 8px 24px rgba(255,200,46,.3);}
    .concern-card.selected::after{content:"✓";position:absolute;top:8px;right:8px;background:var(--nm-gold);color:var(--nm-navy);width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;}
    .concern-card h3{font-size:14px;margin-bottom:2px;color:var(--nm-navy);font-weight:700;}
    .concern-card p{font-size:12px;color:var(--muted);margin:0;}

    .value-response{display:none;background:linear-gradient(135deg,#ffffff 0%,#f0f9ff 100%);border:2px solid var(--nm-blue);border-radius:16px;padding:20px;max-width:640px;margin:0 auto 20px;text-align:left;box-shadow:0 16px 48px rgba(0,125,170,.15);}
    .value-response.visible{display:block;animation:slideIn .3s ease;}
    .value-response h3{font-size:18px;margin-bottom:10px;color:var(--nm-navy);}
    .value-response p{color:var(--dark);margin-bottom:12px;}
    .value-stat{background:linear-gradient(90deg,var(--nm-gold) 0%,#FFD454 100%);border-radius:8px;padding:12px 16px;font-size:14px;color:var(--nm-navy);margin-bottom:12px;font-weight:700;box-shadow:0 4px 12px rgba(255,200,46,.3);}
    @keyframes slideIn{from{opacity:0;transform:translateY(20px);}to{opacity:1;transform:translateY(0);}}

    .form-section{background:#fff;border:3px solid var(--nm-blue);border-radius:20px;padding:24px;max-width:480px;margin:0 auto;box-shadow:0 24px 64px rgba(0,125,170,.2);position:relative;}
    .form-badge{position:absolute;top:-14px;left:50%;transform:translateX(-50%);background:var(--urgent);color:#fff;padding:6px 16px;border-radius:999px;font-size:12px;font-weight:800;}
    .form-section h2{font-size:22px;margin-bottom:4px;text-align:center;color:var(--nm-navy);}
    .form-note{font-size:14px;color:var(--success);margin-bottom:16px;text-align:center;font-weight:700;}
    .form-grid{display:grid;gap:12px;}
    label{font-weight:700;font-size:14px;color:var(--nm-navy);}
    .required-star{color:var(--error);margin-left:2px;}
    input,select{width:100%;padding:14px;border-radius:10px;border:2px solid var(--border);font-size:15px;background:#fff;transition:all .2s;}
    input:focus,select:focus{outline:none;border-color:var(--nm-blue);box-shadow:0 0 0 3px rgba(0,125,170,.2);transform:translateY(-1px);}
    .field-row{display:grid;grid-template-columns:1fr 1fr;gap:10px;}
    
    .btn{display:inline-block;width:100%;border:none;padding:16px;border-radius:10px;font-weight:800;cursor:pointer;background:linear-gradient(135deg,var(--nm-gold) 0%,#FFD454 100%);color:var(--nm-navy);font-size:18px;transition:all .2s;box-shadow:0 8px 24px rgba(255,200,46,.4);}
    .btn:hover{transform:translateY(-2px);box-shadow:0 12px 32px rgba(255,200,46,.5);}
    .btn-pulse{animation:btnPulse 2s infinite;}
    @keyframes btnPulse{0%,100%{box-shadow:0 8px 24px rgba(255,200,46,.4);}50%{box-shadow:0 12px 40px rgba(255,200,46,.7);}}

    .consent-note{font-size:11px;color:var(--muted);text-align:center;margin-top:8px;padding:10px;background:var(--light);border-radius:8px;border:1px solid var(--border);}
    .consent-note a{color:var(--nm-blue);text-decoration:underline;}

    .next-steps{background:linear-gradient(135deg,#f0f9ff 0%,#e0f2fe 100%);border-radius:12px;padding:16px;margin-top:16px;border:1px solid var(--nm-blue-light);}
    .next-steps h3{font-size:14px;margin-bottom:8px;color:var(--nm-navy);}
    .next-steps ol{margin:0;padding-left:20px;font-size:13px;color:var(--dark);}
    .next-steps li{margin-bottom:4px;}
    .next-steps li strong{color:var(--nm-blue);}
    .guarantee{font-size:13px;color:var(--success);font-weight:800;margin-top:10px;padding:10px;background:#fff;border-radius:8px;text-align:center;}

    .success,.error{border-radius:10px;padding:14px;font-weight:700;display:none;margin-bottom:12px;font-size:14px;text-align:center;}
    .success{border:2px solid var(--success);background:#ecfdf5;color:#065f46;}
    .error{border:2px solid var(--error);background:#fef2f2;color:#991b1b;}

    /* Progress bar */
    .progress-bar{background:var(--border);height:8px;border-radius:999px;margin-bottom:20px;overflow:hidden;}
    .progress-fill{background:linear-gradient(90deg,var(--nm-blue) 0%,var(--nm-blue-light) 100%);height:100%;width:0%;transition:width .5s;border-radius:999px;}

    /* Trust indicators */
    .trust-bar{background:#fff;border-top:2px solid var(--nm-gold);border-bottom:2px solid var(--nm-gold);padding:16px 0;margin:32px 0;}
    .trust-items{display:flex;justify-content:center;align-items:center;gap:32px;flex-wrap:wrap;}
    .trust-item{display:flex;align-items:center;gap:8px;font-size:14px;color:var(--dark);}
    .trust-icon{width:24px;height:24px;background:var(--nm-gold);border-radius:50%;display:flex;align-items:center;justify-content:center;font-weight:800;color:var(--nm-navy);}

    .social-proof{padding:40px 0;background:linear-gradient(180deg,#fff 0%,var(--light) 100%);}
    .social-proof h2{text-align:center;font-size:26px;margin-bottom:24px;color:var(--nm-navy);}
    .proof-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;max-width:800px;margin:0 auto;text-align:center;}
    .proof-item{padding:16px;background:#fff;border-radius:12px;box-shadow:0 8px 24px rgba(0,0,0,.08);}
    .proof-number{font-size:42px;font-weight:800;background:linear-gradient(135deg,var(--nm-blue) 0%,var(--nm-blue-light) 100%);-webkit-background-clip:text;-webkit-text-fill-color:transparent;margin-bottom:4px;}
    .proof-label{font-size:14px;color:var(--muted);}

    .section{padding:40px 0;}
    .section h2{font-size:26px;margin-bottom:24px;text-align:center;color:var(--nm-navy);}
    .benefit-grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));max-width:900px;margin:0 auto;}
    .benefit{background:#fff;border:2px solid var(--border);border-radius:16px;padding:20px;transition:all .2s;}
    .benefit:hover{border-color:var(--nm-blue);transform:translateY(-4px);box-shadow:0 16px 40px rgba(0,125,170,.15);}
    .benefit-icon{width:48px;height:48px;background:linear-gradient(135deg,var(--nm-gold) 0%,#FFD454 100%);border-radius:12px;display:flex;align-items:center;justify-content:center;font-size:24px;margin-bottom:12px;}
    .benefit h3{margin-bottom:8px;font-size:16px;color:var(--nm-navy);}
    .benefit p{font-size:14px;color:var(--muted);margin:0;}

    .faq-item{border-bottom:2px solid var(--border);padding:16px 0;max-width:700px;margin:0 auto;}
    .faq-item:last-child{border-bottom:none;}
    .faq-item h3{font-size:16px;margin-bottom:6px;color:var(--nm-navy);}
    .faq-item p{font-size:14px;color:var(--dark);margin:0;}

    footer{background:var(--nm-navy);color:#fff;padding:32px 0;}
    .footer-grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));}
    .footer-grid h4{font-size:14px;margin-bottom:10px;color:var(--nm-gold);}
    .footer-grid ul{list-style:none;}
    .footer-grid li{margin-bottom:6px;font-size:14px;opacity:.9;}
    .footer-grid a{color:#fff;}
    .footer-bottom{margin-top:20px;font-size:12px;opacity:.7;text-align:center;padding-top:20px;border-top:1px solid rgba(255,255,255,.2);}

    /* Live visitors widget */
    .live-visitors{position:fixed;bottom:20px;left:20px;background:#fff;border:2px solid var(--nm-blue);border-radius:12px;padding:12px 16px;box-shadow:0 8px 24px rgba(0,0,0,.15);z-index:30;animation:slideUp .5s ease;}
    .live-dot{display:inline-block;width:8px;height:8px;background:var(--success);border-radius:50%;animation:pulse 2s infinite;margin-right:6px;}
    .live-text{font-size:13px;color:var(--dark);font-weight:700;}
    .live-number{color:var(--nm-blue);font-weight:800;}
    @keyframes slideUp{from{transform:translateY(100px);opacity:0;}to{transform:translateY(0);opacity:1;}}

    @media (max-width:768px){
      .hero-question{font-size:28px;}
      .field-row{grid-template-columns:1fr;}
      .concern-grid{grid-template-columns:1fr 1fr;}
      .trust-items{gap:16px;}
      .live-visitors{bottom:10px;left:10px;right:10px;}
    }
    @media (max-width:480px){
      .concern-grid{grid-template-columns:1fr;}
      .hero-question{font-size:24px;}
    }