:root{--navy:#0b2545;--navy-2:#13315c;--blue:#1f6feb;--gold:#f2b632;--gold-dark:#d99a12;--ink:#1b2430;--muted:#5b6676;--line:#e3e8ef;--bg:#fff;--bg-soft:#f4f7fb;--radius:14px;--shadow:0 6px 24px #0b254514;--font:system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*,:before,:after{box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;margin:0;font-size:1.0625rem;line-height:1.65}img,svg{max-width:100%}a{color:var(--blue)}h1,h2,h3{color:var(--navy);margin:0 0 .6em;line-height:1.2}h1{letter-spacing:-.02em;font-size:clamp(2rem,4.5vw,3.1rem)}h2{letter-spacing:-.01em;font-size:clamp(1.6rem,3vw,2.2rem)}h3{font-size:1.2rem}p{margin:0 0 1em}.container{width:min(1160px,100% - 32px);margin-inline:auto}.narrow{width:min(820px,100% - 32px)}.section{padding:clamp(48px,7vw,88px) 0}.section-soft{background:var(--bg-soft)}.section-head{max-width:720px;margin-bottom:36px}.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:var(--gold-dark);margin-bottom:8px;font-size:.8rem;font-weight:700}.lead{color:var(--muted);font-size:1.2rem}.small{font-size:.9rem}.muted{color:var(--muted)}.skip-link{position:absolute;left:-9999px}.skip-link:focus{z-index:100;background:#fff;border-radius:8px;padding:8px 12px;top:16px;left:16px}.btn{cursor:pointer;border:2px solid #0000;border-radius:999px;justify-content:center;align-items:center;gap:8px;padding:12px 22px;font-size:1rem;font-weight:700;text-decoration:none;transition:transform .15s,background .15s;display:inline-flex}.btn:hover{transform:translateY(-1px)}.btn-primary{background:var(--gold);color:var(--navy)}.btn-primary:hover{background:var(--gold-dark)}.btn-outline{border-color:var(--navy);color:var(--navy)}.btn-outline-light{color:#fff;border-color:#ffffffb3}.btn-lg{padding:15px 30px;font-size:1.05rem}.site-header{z-index:50;border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0}.topbar{background:var(--navy);color:#dbe5f3;font-size:.85rem}.topbar-inner{justify-content:space-between;gap:12px;padding:6px 0;display:flex}.topbar a{color:var(--gold);font-weight:700;text-decoration:none}.nav-inner{justify-content:space-between;align-items:center;min-height:72px;display:flex}.logo{align-items:center;text-decoration:none;display:flex}.logo img{width:auto;height:84px;padding:4px 0;display:block}@media (width<=900px){.logo img{height:64px}}.primary-nav>ul{align-items:center;gap:4px;margin:0;padding:0;list-style:none;display:flex}.primary-nav a{color:var(--ink);border-radius:8px;padding:10px 14px;font-weight:600;text-decoration:none;display:block}.primary-nav a:hover,.primary-nav a[aria-current=page]{color:var(--navy);background:var(--bg-soft)}.primary-nav .btn{color:var(--navy);margin-left:8px}.primary-nav 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0 12px;position:static;transform:none}.primary-nav .btn{margin:8px 0 0}.topbar-inner span{display:none}.topbar-inner{justify-content:center}}.breadcrumbs ol{color:var(--muted);flex-wrap:wrap;gap:6px;margin:0;padding:16px 0 0;font-size:.9rem;list-style:none;display:flex}.breadcrumbs li+li:before{content:"›";margin-right:6px}.breadcrumbs a{color:var(--muted)}.hero{background:radial-gradient(1200px 500px at 85% -10%, #f2b6322e, transparent), linear-gradient(180deg, var(--bg-soft), #fff);padding:clamp(40px,7vw,96px) 0}.hero-grid{grid-template-columns:1.2fr 1fr;align-items:center;gap:48px;display:grid}.hero-actions{flex-wrap:wrap;gap:12px;margin:28px 0 18px;display:flex}.hero-points{color:var(--muted);gap:8px;margin:0;padding:0;list-style:none;display:grid}.hero-points li{align-items:center;gap:8px;display:flex}.hero-points .icon{color:var(--gold-dark);flex:none}.hero-card{background:var(--navy);color:#fff;box-shadow:var(--shadow);border-radius:20px;padding:32px}.hero-card h2{color:#fff;font-size:1.4rem}.hero-card ul{gap:12px;margin:0 0 24px;padding:0;list-style:none;display:grid}.hero-card li{gap:10px;display:flex}.hero-card .icon{color:var(--gold);flex:none}.page-hero{background:linear-gradient(180deg, #fff, var(--bg-soft));padding:24px 0 clamp(36px,5vw,64px)}.page-hero .lead{max-width:760px}@media (width<=900px){.hero-grid{grid-template-columns:1fr}}.trust-bar{background:var(--navy-2);color:#fff}.trust-list{flex-wrap:wrap;justify-content:space-between;gap:12px 24px;margin:0 auto;padding:18px 0;font-weight:600;list-style:none;display:flex}.trust-list li{align-items:center;gap:8px;display:flex}.trust-list .icon{color:var(--gold)}.card-grid{grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:20px;margin:0;padding:0;list-style:none;display:grid}.card{border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:26px;transition:box-shadow .2s,transform .2s;position:relative}.card:hover{box-shadow:var(--shadow);transform:translateY(-2px)}.card h3 a{color:var(--navy);text-decoration:none}.card h3 a:after{content:"";position:absolute;inset:0}.card p{color:var(--muted);margin:0}.card-icon{color:var(--gold-dark);background:#f2b63229;border-radius:12px;margin-bottom:14px;padding:10px;display:inline-flex}.check-list{grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:10px 24px;margin:0;padding:0;list-style:none;display:grid}.check-list li{align-items:flex-start;gap:10px;display:flex}.check-list .icon{color:#1a9f5b;flex:none;margin-top:3px}.two-col{grid-template-columns:1fr 1fr;align-items:start;gap:48px;display:grid}@media (width<=900px){.two-col{grid-template-columns:1fr;gap:28px}}.pill-list{flex-wrap:wrap;gap:8px;margin:0;padding:0;list-style:none;display:flex}.pill-list li,.pill-list a{background:var(--bg-soft);border:1px solid var(--line);color:var(--ink);border-radius:999px;padding:6px 14px;font-size:.95rem;text-decoration:none}.pill-list a:hover{border-color:var(--navy)}.steps{counter-reset:step;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin:0;padding:0;list-style:none;display:grid}.steps li{counter-increment:step;border:1px solid var(--line);border-radius:var(--radius);background:#fff;padding:24px}.steps li:before{content:counter(step);background:var(--navy);width:36px;height:36px;color:var(--gold);border-radius:50%;place-items:center;margin-bottom:12px;font-weight:800;display:inline-grid}.steps p{color:var(--muted);margin:0}.faq details{border:1px solid var(--line);background:#fff;border-radius:12px;margin-bottom:12px;padding:0 20px}.faq summary{cursor:pointer;color:var(--navy);justify-content:space-between;gap:12px;padding:18px 0;font-weight:700;list-style:none;display:flex}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";color:var(--gold-dark);font-size:1.4rem;line-height:1}.faq details[open] summary:after{content:"–"}.faq details p{color:var(--muted)}.cta-band{background:linear-gradient(135deg, var(--navy), var(--navy-2));color:#dbe5f3;padding:clamp(40px,6vw,72px) 0}.cta-band h2{color:#fff}.cta-inner{flex-wrap:wrap;justify-content:space-between;align-items:center;gap:24px;display:flex}.cta-inner>div:first-child{max-width:640px}.cta-actions{flex-wrap:wrap;gap:12px;display:flex}.quote-form{border:1px solid var(--line);box-shadow:var(--shadow);background:#fff;border-radius:18px;gap:16px;padding:clamp(20px,4vw,36px);display:grid}.form-row{grid-template-columns:1fr 1fr;gap:16px;display:grid}@media (width<=640px){.form-row{grid-template-columns:1fr}}.quote-form label{color:var(--navy);gap:6px;font-size:.95rem;font-weight:600;display:grid}.quote-form input,.quote-form select,.quote-form textarea{font:inherit;color:var(--ink);background:#fff;border:1px solid #cfd7e3;border-radius:10px;width:100%;padding:12px 14px;font-weight:400}.quote-form input:focus,.quote-form select:focus,.quote-form textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}.quote-form .hp{position:absolute;left:-9999px}.cred-grid{grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:20px;margin:0;padding:0;list-style:none;display:grid}.cred-grid li{border:1px solid var(--line);border-left:4px solid var(--gold);border-radius:var(--radius);background:#fff;padding:24px}.cred-grid h3{align-items:center;gap:10px;display:flex}.cred-grid .icon{color:var(--gold-dark)}.cred-grid p{color:var(--muted);margin:0}.stats{grid-template-columns:repeat(auto-fit,minmax(160px,1fr));gap:16px;margin:0;padding:0;list-style:none;display:grid}.stats li{background:var(--bg-soft);border-radius:var(--radius);text-align:center;padding:20px}.stats strong{color:var(--navy);font-size:2rem;display:block}.site-footer{color:#b9c6d8;background:#071a31;padding-top:56px;font-size:.95rem}.site-footer a{color:#dbe5f3;text-decoration:none}.site-footer a:hover{color:var(--gold)}.footer-grid{grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px;display:grid}@media (width<=900px){.footer-grid{grid-template-columns:1fr 1fr}}@media (width<=560px){.footer-grid{grid-template-columns:1fr}}.footer-logo{background:#fff;border-radius:16px;margin-bottom:12px;padding:8px;display:inline-block}.footer-logo img{width:auto;height:72px;display:block}.footer-heading{color:#fff;font-weight:700}.site-footer ul{gap:8px;margin:0;padding:0;list-style:none;display:grid}.site-footer address{margin-bottom:12px;font-style:normal}.footer-bottom{border-top:1px solid #ffffff1a;margin-top:40px;padding:20px 0;font-size:.85rem}.footer-bottom p{margin:0}