:root{--navy:#0b2545;--navy2:#13315c;--teal:#13838f;--teal-l:#e3f4f4;--sand:#f7f3ec;--accent:#f2a541;--accent-d:#d9871d;--ink:#1d2a38;--muted:#5b6b7b;--line:#dfe6ec;--r:14px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff;font-size:17px}
img,svg{max-width:100%;display:block}a{color:var(--teal)}a:hover{color:var(--navy)}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em}h1{font-size:clamp(2rem,5vw,3.1rem)}h2{font-size:clamp(1.5rem,3.4vw,2.1rem)}h3{font-size:1.2rem}
p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.ph{background:#fff3cd;color:#7a4b00;border:1px dashed #d9a400;border-radius:4px;padding:0 4px;font-weight:600;white-space:nowrap}
/* top bar & header */
.topbar{background:var(--navy);color:#cfe3ef;font-size:.9rem}.topbar .wrap{display:flex;justify-content:space-between;gap:10px;padding:6px 20px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600;text-decoration:none}
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:12px 20px;gap:16px;position:relative}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.1rem;line-height:1.1}
.logo small{display:block;font-weight:600;color:var(--teal);font-size:.72rem;letter-spacing:.08em;text-transform:uppercase}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
nav.main a{display:block;white-space:nowrap;padding:8px 10px;font-size:.95rem;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600}
nav.main a:hover,nav.main a[aria-current]{background:var(--teal-l);color:var(--navy)}
.menu-btn{display:none;background:none;border:2px solid var(--navy);border-radius:8px;padding:6px 10px;font-weight:700;color:var(--navy)}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn-call{background:var(--accent);color:var(--navy)}.btn-call:hover{background:var(--accent-d);color:var(--navy)}
.btn-teal{background:var(--teal);color:#fff}.btn-teal:hover{background:var(--navy);color:#fff}
.btn-ghost{border:2px solid #fff;color:#fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
.hdr-call{white-space:nowrap}
/* hero */
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 55%,var(--teal) 130%);color:#fff;position:relative;overflow:hidden}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;padding:64px 20px 90px;align-items:start;position:relative;z-index:2}
.hero h1{color:#fff}.hero p.lead{font-size:1.2rem;color:#d7e8f2;max-width:36em}
.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.checks{list-style:none;padding:0;margin:18px 0 0;display:grid;gap:8px}.checks li{padding-left:30px;position:relative}
.checks li:before{content:"";position:absolute;left:0;top:4px;width:20px;height:20px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' stroke='%230b2545' stroke-width='2.5' fill='none'/%3E%3C/svg%3E") center/14px no-repeat}
.wave{position:absolute;bottom:-1px;left:0;width:100%;height:70px;z-index:1}
.hero-sm .wrap{display:block;padding:48px 20px 80px}
.crumbs{font-size:.9rem;color:#bcd6e4;margin-bottom:10px}.crumbs a{color:#fff}
/* card / form */
.card{background:#fff;color:var(--ink);border-radius:var(--r);box-shadow:0 18px 40px rgba(11,37,69,.25);padding:26px}
.card h2{font-size:1.4rem}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
label{display:block;font-weight:600;font-size:.92rem;margin:10px 0 4px;color:var(--navy)}
input,select,textarea{width:100%;padding:11px 12px;border:1.5px solid var(--line);border-radius:10px;font:inherit;font-size:1rem;background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(19,131,143,.25);border-color:var(--teal)}
textarea{min-height:96px;resize:vertical}
form .btn{width:100%;justify-content:center;margin-top:14px}
.fine{font-size:.82rem;color:var(--muted);margin-top:10px}
.hp{position:absolute;left:-5000px}
/* sections */
section{padding:64px 0}.alt{background:var(--sand)}.center{text-align:center}
.kicker{color:var(--teal);font-weight:700;text-transform:uppercase;letter-spacing:.1em;font-size:.82rem;margin-bottom:6px}
.grid{display:grid;gap:20px}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.tile{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px;text-decoration:none;color:var(--ink);display:block;transition:.15s}
a.tile:hover{border-color:var(--teal);transform:translateY(-2px);box-shadow:0 10px 24px rgba(11,37,69,.08);color:var(--ink)}
.tile h3{margin-bottom:6px}.tile p{color:var(--muted);margin:0;font-size:.96rem}
.icon{width:48px;height:48px;border-radius:12px;background:var(--teal-l);display:grid;place-items:center;margin-bottom:12px}
.icon svg{width:28px;height:28px;stroke:var(--teal);fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.steps{counter-reset:s}.step{position:relative;padding-top:56px}.step:before{counter-increment:s;content:counter(s);position:absolute;top:0;left:22px;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.2rem}
.step{background:#fff;border-radius:var(--r);padding:60px 22px 22px;border:1px solid var(--line)}.step:before{top:14px}
.pills{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}.pills a{display:block;padding:9px 16px;border-radius:999px;background:#fff;border:1.5px solid var(--line);text-decoration:none;font-weight:600;color:var(--navy)}.pills a:hover{border-color:var(--teal);background:var(--teal-l)}
.split{display:grid;grid-template-columns:1.3fr .7fr;gap:40px;align-items:start}
.prose h2{margin-top:1.4em}.prose h2:first-child{margin-top:0}.prose ul{padding-left:1.2em}.prose li{margin-bottom:.4em}
aside.side .card{box-shadow:0 6px 20px rgba(11,37,69,.08);border:1px solid var(--line);position:sticky;top:90px}
.cta-band{background:var(--navy);color:#fff;text-align:center}.cta-band h2{color:#fff}.cta-band p{color:#cfe3ef}
.cta-band .ctas{display:flex;gap:12px;justify-content:center;flex-wrap:wrap}
details{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px 18px;margin-bottom:10px}summary{font-weight:700;color:var(--navy);cursor:pointer}details p{margin:10px 0 0}
.note{background:var(--teal-l);border-left:4px solid var(--teal);padding:14px 18px;border-radius:8px}
.map-svg{background:var(--teal-l);border-radius:var(--r);padding:10px}
/* footer */
footer.site{background:#071a31;color:#b7c8d6;padding:48px 0 90px;font-size:.95rem}
footer.site .grid{grid-template-columns:1.3fr 1fr 1fr 1fr}footer.site h3{color:#fff;font-size:1rem}
footer.site a{color:#dbe8f1;text-decoration:none}footer.site a:hover{color:var(--accent)}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin-bottom:6px}
.legal{border-top:1px solid #1d3553;margin-top:30px;padding-top:18px;font-size:.85rem}
/* sticky mobile call bar */
.callbar{display:none;position:fixed;bottom:0;left:0;right:0;z-index:60;background:#fff;border-top:1px solid var(--line);padding:10px;gap:10px;box-shadow:0 -6px 20px rgba(0,0,0,.08)}
.callbar a{flex:1;justify-content:center;padding:12px}
@media (max-width:1120px){nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}nav.main.open{display:block}nav.main ul{flex-direction:column;padding:10px}.menu-btn{display:block}header.site .wrap{position:relative}}
@media (max-width:960px){
 .hero .wrap,.split{grid-template-columns:1fr}.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}
 footer.site .grid{grid-template-columns:1fr 1fr}
 nav.main{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}
 nav.main.open{display:block}nav.main ul{flex-direction:column;padding:10px}
 .menu-btn{display:block}.hdr-call{display:none}.callbar{display:flex}
}
@media (max-width:600px){
 body{font-size:16px}.g2,.g3,.g4,form .row,footer.site .grid{grid-template-columns:1fr}
 section{padding:48px 0}.hero .wrap{padding:40px 20px 80px}.topbar .hide-sm{display:none}
}