:root{--navy:#0f2742;--navy2:#14385c;--teal:#0f6e75;--tealbg:#e3f2f1;--amber:#e8a33d;--cream:#f6f4ef;--ink:#38506a;--mint:#9fd6d6}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,"Noto Sans",sans-serif;background:var(--cream);color:var(--navy);line-height:1.55;font-size:17px;padding-bottom:72px}
a{color:var(--teal)}
img,svg{flex-shrink:0}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.hdr{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.15)}
.hdr-in{display:flex;align-items:center;gap:12px;min-height:62px}
.brand{display:flex;align-items:center;gap:10px;color:inherit;text-decoration:none;font-weight:700;font-size:18px;white-space:nowrap}
.brand b{font-weight:800}.amp{color:var(--amber)}
.logo{width:38px;height:38px;border-radius:10px;background:var(--amber);display:flex;align-items:center;justify-content:center}
.hdr-call{margin-left:auto;display:flex;align-items:center;gap:6px;color:var(--navy);background:var(--amber);text-decoration:none;font-weight:800;padding:8px 12px;border-radius:999px;font-size:15px}
.hdr-call span{display:none}
.menu summary{list-style:none;cursor:pointer;width:42px;height:42px;display:flex;flex-direction:column;justify-content:center;gap:5px;padding:9px}
.menu summary::-webkit-details-marker{display:none}
.menu summary span{display:block;height:2.5px;background:#fff;border-radius:2px}
.menu nav{position:absolute;left:0;right:0;top:62px;background:var(--navy2);display:flex;flex-direction:column;padding:8px 20px 16px}
.menu nav a{color:#fff;text-decoration:none;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);font-weight:600}
.menu nav a[aria-current]{color:var(--amber)}
.dnav{display:none}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 60%,var(--teal) 100%);color:#fff;padding:44px 0 50px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-140px;top:-140px;width:420px;height:420px;border-radius:50%;background:rgba(255,255,255,.05);pointer-events:none}
.eyebrow{display:inline-flex;align-items:center;gap:6px;color:var(--mint);font-size:13px;font-weight:600;letter-spacing:.06em;text-transform:uppercase}
.hero h1{font-size:clamp(36px,9vw,64px);line-height:1.04;font-weight:800;letter-spacing:-1px;margin-top:16px}
.hero h1 em{font-style:normal;color:var(--amber)}
.hero .sub{font-size:clamp(17px,2.4vw,21px);color:#d6ecec;margin-top:16px;max-width:640px}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 22px;border-radius:999px;font-weight:800;text-decoration:none;font-size:16px;border:2px solid transparent;cursor:pointer;font-family:inherit}
.btn.amber{background:var(--amber);color:var(--navy)}
.btn.ghost{border-color:rgba(255,255,255,.55);color:#fff}
.btn.navy{background:var(--navy);color:#fff}
.btn.outline{border-color:var(--navy);color:var(--navy)}
.btn:hover{filter:brightness(1.06)}
.sec{padding:52px 0}.sec.alt{background:#fff}
h2{font-size:clamp(26px,4.4vw,36px);line-height:1.15;font-weight:800;letter-spacing:-.5px;margin-bottom:14px}
h3{font-size:20px;font-weight:800;margin-bottom:6px;display:flex;align-items:center;gap:8px}
p{color:var(--ink)}p+p{margin-top:12px}
.center{text-align:center}.lead{max-width:640px;margin:0 auto 10px;font-size:18px}
.muted{color:#6a7c8f}.small{font-size:14px}
.grid3{display:grid;gap:18px;margin-top:26px}
.card{background:#fff;border-radius:18px;padding:22px;display:flex;gap:18px;align-items:flex-start;box-shadow:0 6px 20px rgba(15,39,66,.08);border-left:8px solid var(--teal)}
.sec.alt .card{background:var(--cream)}
.ic{flex:0 0 58px;height:58px;border-radius:50%;background:var(--tealbg);display:flex;align-items:center;justify-content:center}
.more{display:inline-block;margin-top:10px;font-weight:700;text-decoration:none}
.split{display:grid;gap:28px;align-items:start}
.split .btn{margin-top:20px}
.panel{background:var(--navy);color:#fff;border-radius:20px;padding:26px}
.panel p,.panel li span{color:#d6ecec}.panel a{color:var(--amber)}.panel h3{color:#fff;margin-top:14px}.panel h3:first-child{margin-top:0}
.panel .big{font-size:28px;font-weight:800;text-decoration:none}
.checks{list-style:none;margin-top:16px;display:grid;gap:12px}
.checks li{display:flex;gap:10px;align-items:flex-start}
.checks li svg{margin-top:3px}
.panel .checks li svg{stroke:var(--amber)}
.steps-mini{list-style:none;counter-reset:s;display:grid;gap:12px;margin-top:12px}
.steps-mini li{color:#d6ecec;padding-left:14px;border-left:3px solid var(--amber)}
.steps-mini b{display:block;color:#fff}
.notice{display:flex;gap:16px;background:#fff7e8;border:2px solid var(--amber);border-radius:18px;padding:22px}
.notice h2{font-size:24px}
.steps{display:grid;gap:16px}
.step{display:flex;gap:18px;background:#fff;border-radius:18px;padding:22px;box-shadow:0 6px 20px rgba(15,39,66,.08);border-left:8px solid var(--amber)}
.faq{max-width:780px;margin:22px auto 0;display:grid;gap:10px}
.faq details{background:var(--cream);border-radius:14px;padding:16px 20px}
.faq summary{font-weight:800;cursor:pointer}
.faq details p{margin-top:10px}
.area{display:grid;gap:18px;align-items:center}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:10px}
.chips li{display:inline-flex;align-items:center;gap:6px;background:#fff;border:2px solid var(--tealbg);color:var(--teal);font-weight:700;padding:10px 16px;border-radius:999px}
.band{background:var(--amber);padding:38px 0}
.band h2{margin-bottom:6px}.band p{color:var(--navy)}
.band-in{display:grid;gap:8px}
.form{background:#fff;border-radius:20px;padding:24px;box-shadow:0 6px 20px rgba(15,39,66,.08);display:grid;gap:14px}
.form h2{font-size:26px;margin:0}
.form label{display:grid;gap:6px;font-weight:700;font-size:15px}
.form input,.form select,.form textarea{font:inherit;font-weight:400;padding:12px 14px;border:2px solid #d5dde5;border-radius:12px;background:#fbfcfd;color:var(--navy);width:100%}
.form input:focus,.form select:focus,.form textarea:focus{outline:none;border-color:var(--teal)}
.form .row{display:grid;gap:14px}
.form button{justify-self:start}
.thanks{background:var(--tealbg);color:var(--teal);font-weight:700;padding:14px;border-radius:12px}
.ftr{background:var(--navy);color:#d6ecec;padding:44px 0 20px}
.ftr-in{display:grid;gap:26px}
.ftr .brand{color:#fff;margin-bottom:12px}
.ftr p{color:#b9cddb;font-size:15px}
.ftr h3{color:#fff;font-size:16px;text-transform:uppercase;letter-spacing:.08em}
.ftr a{color:#d6ecec;text-decoration:none;display:flex;align-items:center;gap:8px;padding:4px 0}
.ftr p a{display:inline;color:var(--amber)}
.copy{border-top:1px solid rgba(255,255,255,.1);margin-top:30px;padding-top:16px;font-size:13px;color:#8aa3b8}
.fab{position:fixed;left:16px;right:16px;bottom:12px;z-index:60;display:flex;align-items:center;justify-content:center;gap:8px;background:var(--amber);color:var(--navy);font-weight:800;text-decoration:none;padding:14px;border-radius:999px;box-shadow:0 8px 24px rgba(0,0,0,.25)}
@media(min-width:560px){.hdr-call span{display:inline}.form .row{grid-template-columns:1fr 1fr}}
@media(min-width:760px){.grid3{grid-template-columns:repeat(3,1fr)}.split{grid-template-columns:1.3fr 1fr}.split.contact{grid-template-columns:1.5fr 1fr}.area{grid-template-columns:1fr 1.2fr}.band-in{grid-template-columns:1fr auto;align-items:center}.band .btns{margin-top:0}.ftr-in{grid-template-columns:1.6fr 1fr 1.2fr}.steps{grid-template-columns:1fr 1fr}.step:last-child{grid-column:1/-1}.hero{padding:70px 0 76px}.sec{padding:70px 0}}
@media(min-width:1020px){body{padding-bottom:0}.fab{display:none}.menu{display:none}.dnav{display:flex;gap:4px;margin-left:16px}.dnav a{color:#fff;text-decoration:none;font-weight:600;font-size:15px;padding:8px 10px;border-radius:8px}.dnav a[aria-current],.dnav a:hover{color:var(--amber)}.hdr-call{order:3;margin-left:12px}.dnav{order:2;margin-left:auto}.hero-home h1{font-size:72px}}