:root{--navy:#2d6a9f;--deep:#2361a0;--ocean:#3a80c0;--aqua:#00b4d8;--teal:#0088a8;--gold:#f5a623;--white:#fff;--off-white:#f4f6f8;--light-gray:#e8ecf0;--text:#1a2332;--muted:#6b7a8d}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:'Barlow',sans-serif;color:var(--text);background:var(--white);overflow-x:hidden}
#boatpaid-nav{position:fixed;top:0;left:0;right:0;z-index:1000;background:rgba(30,80,140,.97);backdrop-filter:blur(12px);padding:0 5%;display:flex;align-items:center;justify-content:space-between;height:68px;border-bottom:1px solid rgba(0,180,216,.2)}
.logo{font-family:'Bebas Neue',sans-serif;font-size:2rem;color:#fff;letter-spacing:2px;text-decoration:none}.logo span{color:var(--aqua)}
.nav-links{display:flex;gap:2rem;list-style:none}.nav-links a{color:rgba(255,255,255,.8);text-decoration:none;font-size:.875rem;font-weight:500;letter-spacing:.5px;text-transform:uppercase;transition:color .2s}.nav-links a:hover{color:var(--aqua)}
.nav-cta{background:var(--aqua)!important;color:#fff!important;padding:10px 22px;border-radius:4px;font-weight:700!important}.mobile-nav-cta{display:none;background:var(--teal);color:#fff;padding:8px 18px;border-radius:4px;font-family:'Barlow Condensed',sans-serif;font-size:.9rem;font-weight:700;text-transform:uppercase;text-decoration:none}
.hero{min-height:100vh;background:linear-gradient(160deg,var(--navy) 0%,var(--deep) 40%,#1e5a96 100%);position:relative;display:flex;align-items:center;padding:120px 5% 80px;overflow:hidden}.hero::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 60% 50% at 70% 50%,rgba(0,180,216,.08) 0%,transparent 70%)}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center;max-width:1300px;margin:0 auto;width:100%;position:relative;z-index:1}
.hero-tag{display:inline-flex;align-items:center;gap:8px;background:rgba(0,180,216,.1);border:1px solid rgba(0,180,216,.3);color:var(--aqua);font-size:.75rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;padding:6px 14px;border-radius:2px;margin-bottom:24px}
.hero h1{font-family:'Bebas Neue',sans-serif;font-size:clamp(3.5rem,6vw,6rem);color:#fff;line-height:.95;letter-spacing:1px;margin-bottom:20px}.hero h1 .accent{color:var(--aqua)}
.hero-sub{font-size:1.2rem;color:rgba(255,255,255,.72);line-height:1.65;max-width:500px;margin-bottom:36px;font-weight:300}.hero-sub strong{color:#fff;font-weight:600}
.hero-btns{display:flex;gap:16px;flex-wrap:wrap;margin-bottom:48px}
.hero-stats{display:flex;gap:32px;padding-top:32px;border-top:1px solid rgba(255,255,255,.1)}
.stat-num{font-family:'Bebas Neue',sans-serif;font-size:2.2rem;color:var(--aqua);line-height:1}.stat-label{font-size:.8rem;color:rgba(255,255,255,.5);text-transform:uppercase;letter-spacing:1px;margin-top:2px}
.hero-visual{position:relative}.hero-photo-main{border-radius:8px;overflow:hidden;box-shadow:0 24px 64px rgba(0,0,0,.5);height:460px}.hero-photo-main img{width:100%;height:100%;object-fit:cover;object-position:center top}
.hero-badge{position:absolute;top:24px;right:24px;background:var(--gold);color:var(--navy);padding:12px 20px;border-radius:6px;text-align:center;box-shadow:0 8px 24px rgba(245,166,35,.4)}.hero-badge .b-num{font-family:'Bebas Neue',sans-serif;font-size:1.8rem;line-height:1}.hero-badge .b-txt{font-size:.65rem;font-weight:700;text-transform:uppercase;letter-spacing:1px}
.trust-bar{background:var(--aqua);padding:14px 5%;display:flex;align-items:center;justify-content:center;gap:40px;flex-wrap:wrap}
.trust-item{display:flex;align-items:center;gap:8px;font-family:'Barlow Condensed',sans-serif;font-size:.9rem;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--navy)}
.btn-primary{display:inline-flex;align-items:center;gap:10px;background:var(--aqua);color:#fff;padding:18px 36px;font-family:'Barlow Condensed',sans-serif;font-size:1.1rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;border:none;border-radius:4px;cursor:pointer;text-decoration:none;transition:all .2s}.btn-primary:hover{background:#009fc4;transform:translateY(-2px);box-shadow:0 8px 24px rgba(0,180,216,.35)}
.btn-secondary{display:inline-flex;align-items:center;gap:10px;background:transparent;color:#fff;padding:17px 34px;font-family:'Barlow Condensed',sans-serif;font-size:1.1rem;font-weight:700;letter-spacing:1.5px;text-transform:uppercase;border:2px solid rgba(255,255,255,.3);border-radius:4px;cursor:pointer;text-decoration:none;transition:all .2s}.btn-secondary:hover{border-color:var(--aqua);color:var(--aqua)}
section{padding:80px 5%}.section-label{font-size:.75rem;font-weight:700;letter-spacing:3px;text-transform:uppercase;color:var(--aqua);margin-bottom:12px}
.section-title{font-family:'Bebas Neue',sans-serif;font-size:clamp(2.4rem,4vw,3.6rem);color:var(--navy);line-height:1;margin-bottom:20px}.section-title.light{color:#fff}
.section-body{font-size:1.05rem;color:var(--muted);line-height:1.7;max-width:600px}
.container{max-width:1200px;margin:0 auto}.center{text-align:center}.center .section-body{margin:0 auto}
.pill{display:inline-block;background:rgba(0,180,216,.1);color:var(--aqua);border:1px solid rgba(0,180,216,.2);font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;padding:5px 12px;border-radius:100px;margin-bottom:12px}
.benefits-section{background:var(--off-white)}.benefits-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:48px}
.benefit-card{background:#fff;border-radius:8px;padding:32px;border:1px solid var(--light-gray);transition:all .25s;position:relative;overflow:hidden}.benefit-card::after{content:'';position:absolute;left:0;top:0;bottom:0;width:3px;background:var(--aqua);transform:scaleY(0);transition:transform .25s;transform-origin:bottom}.benefit-card:hover{transform:translateY(-4px);box-shadow:0 12px 36px rgba(0,0,0,.08)}.benefit-card:hover::after{transform:scaleY(1)}
.benefit-icon{width:48px;height:48px;background:rgba(0,180,216,.08);border-radius:10px;display:flex;align-items:center;justify-content:center;margin-bottom:16px;font-size:1.5rem}
.benefit-card h3{font-family:'Barlow Condensed',sans-serif;font-size:1.2rem;font-weight:700;text-transform:uppercase;color:var(--navy);margin-bottom:10px}.benefit-card p{font-size:.92rem;color:var(--muted);line-height:1.65}
.process-section{background:var(--navy);padding-bottom:120px}.process-steps{display:grid;grid-template-columns:repeat(3,1fr);margin-top:56px;position:relative}.process-steps::before{content:'';position:absolute;top:40px;left:calc(16.6% + 24px);right:calc(16.6% + 24px);height:2px;background:linear-gradient(90deg,var(--aqua),rgba(0,180,216,.2))}
.process-step{padding:0 32px;text-align:center}.step-num{width:80px;height:80px;background:var(--aqua);color:#fff;font-family:'Bebas Neue',sans-serif;font-size:2.2rem;border-radius:50%;display:flex;align-items:center;justify-content:center;margin:0 auto 24px;position:relative;z-index:1;box-shadow:0 0 0 8px rgba(0,180,216,.1)}
.process-step h3{font-family:'Barlow Condensed',sans-serif;font-size:1.3rem;font-weight:700;text-transform:uppercase;color:#fff;margin-bottom:12px}.process-step p{font-size:.9rem;color:rgba(255,255,255,.6);line-height:1.65}
.photo-intro{background:var(--off-white);padding:80px 5% 60px 5%;text-align:center}.closing-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:8px;padding-bottom:8px}.closing-photo{aspect-ratio:4/3;overflow:hidden;position:relative}.closing-photo img{width:100%;height:100%;object-fit:cover;transition:transform .4s}.closing-photo:hover img{transform:scale(1.04)}.photo-overlay{position:absolute;inset:0;background:linear-gradient(to top,rgba(30,80,140,.6) 0%,transparent 50%);opacity:0;transition:opacity .3s;display:flex;align-items:flex-end;padding:16px}.closing-photo:hover .photo-overlay{opacity:1}.photo-caption{color:#fff;font-size:.8rem;font-weight:600;text-transform:uppercase;letter-spacing:1px}
.testimonials-section{background:var(--navy)}.testimonials-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:24px;margin-top:48px}.testimonial-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:8px;padding:32px}.stars{color:var(--gold);font-size:1.1rem;margin-bottom:16px}.testimonial-card blockquote{font-size:.95rem;color:rgba(255,255,255,.8);line-height:1.7;font-style:italic;margin-bottom:20px}
.director-section{background:#fff}.director-inner{display:grid;grid-template-columns:400px 1fr;gap:64px;align-items:center;max-width:1100px;margin:0 auto}.director-photo{border-radius:8px;overflow:hidden;box-shadow:0 16px 48px rgba(0,0,0,.12);aspect-ratio:3/4;position:relative}.director-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}.director-badge{position:absolute;bottom:24px;left:24px;background:var(--navy);color:#fff;padding:12px 20px;border-radius:6px;border-left:3px solid var(--aqua)}.director-badge .db-title{font-size:.7rem;color:var(--aqua);text-transform:uppercase;letter-spacing:2px;margin-bottom:2px}.director-badge .db-name{font-family:'Barlow Condensed',sans-serif;font-size:1.3rem;font-weight:700}
.director-list{list-style:none;margin-top:24px;display:flex;flex-direction:column;gap:12px}.director-list li{display:flex;align-items:flex-start;gap:12px;font-size:.95rem;color:var(--text);line-height:1.5}.director-list li::before{content:'✓';color:var(--aqua);font-weight:700;flex-shrink:0;margin-top:1px}
.privacy-section{background:var(--deep)}.privacy-grid{display:grid;grid-template-columns:1fr 1fr;gap:24px;margin-top:48px}.privacy-item{display:flex;gap:20px;padding:24px;background:rgba(255,255,255,.03);border-radius:8px;border:1px solid rgba(255,255,255,.06)}.privacy-icon{font-size:2rem;flex-shrink:0}.privacy-item h4{font-family:'Barlow Condensed',sans-serif;font-size:1.1rem;font-weight:700;text-transform:uppercase;color:#fff;margin-bottom:8px}.privacy-item p{font-size:.88rem;color:rgba(255,255,255,.55);line-height:1.65}
.cta-section{background:linear-gradient(135deg,var(--ocean) 0%,var(--navy) 100%);text-align:center;padding:100px 5%;position:relative;overflow:hidden}.cta-section::before{content:'';position:absolute;inset:0;background:radial-gradient(ellipse 70% 80% at 50%,rgba(0,180,216,.1) 0%,transparent 70%)}.cta-section>*{position:relative;z-index:1}.cta-section .section-title{color:#fff;font-size:clamp(2.5rem,4.5vw,4rem)}.cta-section p{color:rgba(255,255,255,.7);max-width:560px;margin:0 auto 40px;font-size:1.05rem;line-height:1.7}.cta-buttons{display:flex;gap:16px;justify-content:center;flex-wrap:wrap}
.contact-section{background:var(--off-white)}.contact-inner{display:grid;grid-template-columns:1fr 1.2fr;gap:64px;max-width:1100px;margin:0 auto}.contact-detail{display:flex;align-items:flex-start;gap:16px;margin-bottom:24px}.cd-icon{width:44px;height:44px;flex-shrink:0;background:var(--navy);border-radius:8px;display:flex;align-items:center;justify-content:center;color:var(--aqua);font-size:1.2rem}.phone-cta{display:inline-flex;align-items:center;color:var(--aqua);font-family:'Barlow Condensed',sans-serif;font-size:1.6rem;font-weight:700;text-decoration:none;margin-top:8px}
.contact-form-box{background:#fff;border-radius:12px;padding:40px;box-shadow:0 8px 32px rgba(0,0,0,.06)}.form-title{font-family:'Barlow Condensed',sans-serif;font-size:1.6rem;font-weight:700;text-transform:uppercase;color:var(--navy);margin-bottom:24px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:16px}.form-group{margin-bottom:16px}.form-group label{display:block;font-size:.78rem;font-weight:700;text-transform:uppercase;letter-spacing:1px;color:var(--muted);margin-bottom:6px}
.form-group input,.form-group select,.form-group textarea{width:100%;padding:12px 16px;border:1px solid var(--light-gray);border-radius:6px;font-family:'Barlow',sans-serif;font-size:.95rem;color:var(--text);background:#fff;transition:border-color .2s;outline:none}.form-group input:focus,.form-group select:focus,.form-group textarea:focus{border-color:var(--aqua)}.form-group textarea{resize:vertical;min-height:100px}
.btn-submit{width:100%;padding:18px;background:var(--aqua);color:#fff;font-family:'Barlow Condensed',sans-serif;font-size:1.15rem;font-weight:700;letter-spacing:2px;text-transform:uppercase;border:none;border-radius:6px;cursor:pointer;transition:all .2s;margin-top:8px}.btn-submit:hover{background:#009fc4;transform:translateY(-1px);box-shadow:0 8px 24px rgba(0,180,216,.3)}
.sub-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--deep) 100%);padding:130px 5% 70px}.sub-hero h1{font-family:'Bebas Neue',sans-serif;font-size:clamp(3rem,5vw,5rem);color:#fff;line-height:.95;margin-bottom:16px}.sub-hero p{font-size:1.05rem;color:rgba(255,255,255,.65);max-width:600px;line-height:1.7}
.location-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--deep) 100%);padding:140px 5% 80px}.location-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-top:48px}.location-card{background:rgba(255,255,255,.05);border:1px solid rgba(0,180,216,.2);border-radius:8px;padding:24px;text-align:center;transition:all .25s}.location-card:hover{background:rgba(0,180,216,.08);border-color:var(--aqua);transform:translateY(-3px)}.location-card .loc-icon{font-size:2rem;margin-bottom:10px}.location-card h4{font-family:'Barlow Condensed',sans-serif;font-size:1.1rem;font-weight:700;color:#fff;text-transform:uppercase;margin-bottom:6px}.location-card p{font-size:.8rem;color:rgba(255,255,255,.5)}
.hiw-step{display:grid;grid-template-columns:80px 1fr;gap:32px;padding:48px 0;border-bottom:1px solid var(--light-gray);align-items:start}.hiw-step:last-child{border-bottom:none}.hiw-num{width:80px;height:80px;background:var(--aqua);color:#fff;font-family:'Bebas Neue',sans-serif;font-size:2.5rem;border-radius:12px;display:flex;align-items:center;justify-content:center;flex-shrink:0}.hiw-content h3{font-family:'Barlow Condensed',sans-serif;font-size:1.6rem;font-weight:700;text-transform:uppercase;color:var(--navy);margin-bottom:12px}.hiw-content p{font-size:.95rem;color:var(--muted);line-height:1.7;margin-bottom:12px}.hiw-details{list-style:none;margin-top:16px}.hiw-details li{display:flex;align-items:flex-start;gap:10px;font-size:.9rem;color:var(--text);line-height:1.5;margin-bottom:8px}.hiw-details li::before{content:'→';color:var(--aqua);font-weight:700;flex-shrink:0}
.faq-card{background:rgba(255,255,255,.04);border:1px solid rgba(255,255,255,.08);border-radius:8px;padding:28px}.faq-card h4{font-family:'Barlow Condensed',sans-serif;font-size:1.15rem;font-weight:700;text-transform:uppercase;color:var(--aqua);margin-bottom:12px}.faq-card p{font-size:.9rem;color:rgba(255,255,255,.6);line-height:1.65}
.comparison-section{background:var(--off-white)}.comparison-table{width:100%;border-collapse:separate;border-spacing:0;border-radius:12px;overflow:hidden;box-shadow:0 4px 24px rgba(0,0,0,.06)}.comparison-table th{padding:20px 24px;font-family:'Barlow Condensed',sans-serif;font-size:1rem;font-weight:700;text-transform:uppercase;letter-spacing:1px}.comparison-table th:first-child{background:#fff;text-align:left;color:var(--muted)}.comparison-table th.highlight{background:var(--navy);color:var(--aqua);text-align:center}.comparison-table th.dim{background:#e0e4e8;color:var(--muted);text-align:center}.comparison-table td{padding:16px 24px;border-top:1px solid #e8ecf0;font-size:.9rem}.comparison-table tr:nth-child(even) td:first-child{background:#fafbfc}.comparison-table tr:nth-child(odd) td:first-child{background:#fff}.comparison-table td:first-child{color:var(--text);font-weight:500}.comparison-table td.yes{background:rgba(0,180,216,.05);text-align:center;color:#0a9ab8;font-size:1.2rem;font-weight:700}.comparison-table td.no{background:#fafafa;text-align:center;color:#ccc;font-size:1.2rem}.comparison-table td.maybe{background:#fffbf0;text-align:center;color:#f5a623;font-size:.85rem;font-weight:600}
.why-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:48px}.why-card{background:#fff;border-radius:10px;padding:36px;box-shadow:0 2px 12px rgba(0,0,0,.04);border:1px solid var(--light-gray)}.why-card h3{font-family:'Barlow Condensed',sans-serif;font-size:1.4rem;font-weight:700;text-transform:uppercase;color:var(--navy);margin-bottom:16px;display:flex;align-items:center;gap:10px;flex-wrap:wrap}.why-card h3 .tag{background:rgba(0,180,216,.1);color:var(--aqua);font-size:.7rem;padding:3px 8px;border-radius:3px;letter-spacing:1px}.why-card p{font-size:.92rem;color:var(--muted);line-height:1.7;margin-bottom:10px}
#boatpaid-footer{background:#163d6e;padding:48px 5% 32px;border-top:1px solid rgba(0,180,216,.15)}.footer-inner{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:48px;margin-bottom:40px}.footer-logo{font-family:'Bebas Neue',sans-serif;font-size:2rem;color:#fff;letter-spacing:2px;margin-bottom:12px}.footer-logo span{color:var(--aqua)}.footer-desc{font-size:.85rem;color:rgba(255,255,255,.4);line-height:1.65;max-width:300px}.footer-col h5{font-size:.75rem;font-weight:700;text-transform:uppercase;letter-spacing:2px;color:var(--aqua);margin-bottom:16px}.footer-col ul{list-style:none}.footer-col ul li{margin-bottom:8px}.footer-col ul a{color:rgba(255,255,255,.5);text-decoration:none;font-size:.85rem;transition:color .2s}.footer-col ul a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.06);padding-top:24px;display:flex;align-items:center;justify-content:space-between;flex-wrap:wrap;gap:12px}.footer-bottom p{font-size:.8rem;color:rgba(255,255,255,.3)}
@media(max-width:900px){.hero-grid,.director-inner,.contact-inner{grid-template-columns:1fr}.hero-visual{display:none}.process-steps{grid-template-columns:1fr;gap:40px}.process-steps::before{display:none}.why-grid,.privacy-grid{grid-template-columns:1fr}.footer-inner{grid-template-columns:1fr 1fr}.comparison-table{font-size:.8rem}.comparison-table th,.comparison-table td{padding:12px 14px}.nav-links{display:none}.mobile-nav-cta{display:inline-flex}.closing-grid{grid-template-columns:1fr 1fr}.form-row{grid-template-columns:1fr}.hiw-step{grid-template-columns:60px 1fr;gap:20px}}
@media(max-width:600px){.footer-inner{grid-template-columns:1fr;gap:32px}.trust-bar{gap:20px}.hero-stats{gap:20px;flex-wrap:wrap}}