:root{--navy: #0f2942;--navy-800: #16344f;--navy-700: #1d425f;--gold: #f0b429;--gold-dark: #de911d;--green: #2f855a;--ink: #1a2733;--slate: #486581;--mist: #f0f4f8;--line: #d9e2ec;--white: #ffffff;--radius: 10px;--shadow: 0 10px 30px rgba(15, 41, 66, .12);--shadow-sm: 0 2px 8px rgba(15, 41, 66, .08);--max: 1160px;--font: system-ui, -apple-system, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif}*{margin:0;padding:0;box-sizing:border-box}html{scroll-behavior:smooth}body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.65;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}a{color:var(--navy-700)}.container{max-width:var(--max);margin:0 auto;padding:0 20px}h1,h2,h3,h4{line-height:1.2;color:var(--navy);font-weight:800}h1{font-size:clamp(1.9rem,4.2vw,3rem);letter-spacing:-.02em}h2{font-size:clamp(1.5rem,3vw,2.1rem);letter-spacing:-.01em}h3{font-size:1.2rem}.lead{font-size:1.13rem;color:var(--slate);max-width:62ch}.section{padding:64px 0}.section--mist{background:var(--mist)}.section--navy{background:var(--navy)}.section--navy h2,.section--navy h3{color:var(--white)}.section--navy p{color:#cbd8e4}.section-head{max-width:720px;margin-bottom:36px}.section-head .kicker{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-dark);margin-bottom:8px}.section-head p{margin-top:10px;color:var(--slate)}.section--navy .section-head .kicker{color:var(--gold)}.btn{display:inline-block;padding:14px 28px;border-radius:8px;font-weight:700;font-size:1rem;text-decoration:none;text-align:center;cursor:pointer;border:2px solid transparent;transition:transform .15s ease,box-shadow .15s ease,background .15s ease}.btn:hover{transform:translateY(-1px)}.btn--gold{background:var(--gold);color:var(--navy);box-shadow:0 4px 14px #f0b42959}.btn--gold:hover{background:var(--gold-dark);color:var(--navy)}.btn--outline{background:transparent;color:var(--white);border-color:#ffffff80}.btn--outline:hover{border-color:var(--white);background:#ffffff14}.btn--navy{background:var(--navy);color:var(--white)}.btn--navy:hover{background:var(--navy-700);color:var(--white)}.btn--block{display:block;width:100%}.btn--lg{padding:17px 34px;font-size:1.08rem}.topbar{background:var(--navy);color:#cbd8e4;font-size:.85rem;padding:7px 0}.topbar .container{display:flex;justify-content:space-between;align-items:center;gap:12px}.topbar a{color:var(--gold);font-weight:700;text-decoration:none}.topbar .tb-note{display:none}@media(min-width:640px){.topbar .tb-note{display:inline}}.header{position:sticky;top:0;z-index:50;background:var(--white);border-bottom:1px solid var(--line);box-shadow:var(--shadow-sm)}.header .container{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}.brand{display:flex;align-items:center;gap:10px;text-decoration:none}.brand svg{flex:0 0 auto}.brand-text{line-height:1.15}.brand-name{font-weight:800;color:var(--navy);font-size:1.02rem;letter-spacing:-.01em}.brand-sub{font-size:.7rem;color:var(--slate);text-transform:uppercase;letter-spacing:.08em}.nav{display:none;align-items:center;gap:22px}.nav a{text-decoration:none;color:var(--ink);font-weight:600;font-size:.95rem}.nav a:hover{color:var(--gold-dark)}.header-cta{display:none}@media(min-width:960px){.nav{display:flex}.header-cta{display:inline-block;padding:11px 20px;font-size:.92rem}}.nav-toggle{display:inline-flex;flex-direction:column;gap:5px;background:none;border:0;cursor:pointer;padding:8px}.nav-toggle span{width:24px;height:3px;background:var(--navy);border-radius:2px}@media(min-width:960px){.nav-toggle{display:none}}.mobile-nav{display:none;border-top:1px solid var(--line);background:var(--white);padding:12px 20px 20px}.mobile-nav.open{display:block}.mobile-nav a{display:block;padding:11px 4px;text-decoration:none;color:var(--ink);font-weight:600;border-bottom:1px solid var(--mist)}.mobile-nav .btn{margin-top:14px;border-bottom:0}.hero{background:radial-gradient(1000px 500px at 85% -10%,rgba(240,180,41,.18),transparent 60%),linear-gradient(160deg,var(--navy) 0%,var(--navy-800) 55%,#0c2237 100%);color:var(--white);padding:64px 0 72px}.hero-grid{display:grid;gap:40px;align-items:start}@media(min-width:960px){.hero-grid{grid-template-columns:1.15fr .85fr;gap:56px}}.hero h1{color:var(--white);margin-bottom:18px}.hero h1 em{font-style:normal;color:var(--gold)}.hero .lead{color:#cbd8e4;margin-bottom:26px}.hero-ctas{display:flex;flex-wrap:wrap;gap:14px;margin-bottom:30px}.hero-points{list-style:none;display:grid;gap:10px}.hero-points li{display:flex;gap:10px;align-items:start;color:#dce6f0;font-size:.98rem}.hero-points .tick{color:var(--gold);font-weight:800}.trustbar{background:var(--white);border-bottom:1px solid var(--line)}.trustbar .container{display:grid;grid-template-columns:repeat(2,1fr);gap:18px;padding-top:22px;padding-bottom:22px}@media(min-width:800px){.trustbar .container{grid-template-columns:repeat(4,1fr)}}.trust-item{display:flex;align-items:center;gap:12px}.trust-item .ti-icon{width:42px;height:42px;border-radius:50%;background:var(--mist);display:grid;place-items:center;color:var(--navy);font-size:1.15rem;flex:0 0 auto}.trust-item strong{display:block;color:var(--navy);font-size:.95rem;line-height:1.25}.trust-item span.sub{font-size:.82rem;color:var(--slate)}.grid{display:grid;gap:22px}.grid--3,.grid--4{grid-template-columns:1fr}@media(min-width:640px){.grid--3,.grid--4{grid-template-columns:repeat(2,1fr)}}@media(min-width:960px){.grid--3{grid-template-columns:repeat(3,1fr)}.grid--4{grid-template-columns:repeat(4,1fr)}}.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:26px;text-decoration:none;display:flex;flex-direction:column;gap:10px;transition:transform .15s ease,box-shadow .15s ease,border-color .15s ease}.card:hover{transform:translateY(-3px);box-shadow:var(--shadow);border-color:var(--gold)}.card h3{color:var(--navy)}.card p{color:var(--slate);font-size:.95rem;flex:1}.card .card-link{color:var(--gold-dark);font-weight:700;font-size:.9rem}.card .card-icon{font-size:1.6rem}.checklist{list-style:none;display:grid;gap:12px;margin:20px 0}@media(min-width:720px){.checklist--2col{grid-template-columns:1fr 1fr}}.checklist li{display:flex;gap:12px;align-items:start}.checklist .tick{color:var(--green);font-weight:800;flex:0 0 auto;background:#e6f4ea;width:24px;height:24px;border-radius:50%;display:grid;place-items:center;font-size:.8rem;margin-top:2px}.steps{display:grid;gap:26px;counter-reset:step}@media(min-width:900px){.steps{grid-template-columns:repeat(3,1fr)}}.step{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);padding:28px;position:relative}.step .step-num{width:44px;height:44px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;font-size:1.15rem;display:grid;place-items:center;margin-bottom:14px}.step h3{margin-bottom:8px}.step p{color:var(--slate);font-size:.96rem}.form-card{background:var(--white);border-radius:14px;box-shadow:var(--shadow);padding:30px 26px;color:var(--ink)}.form-card h2,.form-card h3{color:var(--navy)}.form-title{font-size:1.35rem;margin-bottom:4px}.form-sub{font-size:.92rem;color:var(--slate);margin-bottom:18px}.form-grid{display:grid;gap:14px}@media(min-width:560px){.form-grid--2{grid-template-columns:1fr 1fr}}.field{display:flex;flex-direction:column;gap:5px}.field label{font-size:.84rem;font-weight:700;color:var(--navy)}.field input,.field select,.field textarea{padding:12px 13px;border:1.5px solid var(--line);border-radius:8px;font-family:inherit;font-size:.97rem;color:var(--ink);background:var(--white);width:100%}.field input:focus,.field select:focus,.field textarea:focus{outline:none;border-color:var(--gold);box-shadow:0 0 0 3px #f0b42938}.form-fine{font-size:.78rem;color:var(--slate);margin-top:10px;text-align:center}.form-card .btn{margin-top:6px}.faq{max-width:800px}.faq details{border:1px solid var(--line);border-radius:var(--radius);margin-bottom:12px;background:var(--white);overflow:hidden}.faq summary{cursor:pointer;padding:18px 44px 18px 20px;font-weight:700;color:var(--navy);list-style:none;position:relative}.faq summary::-webkit-details-marker{display:none}.faq summary:after{content:"+";position:absolute;right:20px;top:50%;transform:translateY(-50%);font-size:1.3rem;color:var(--gold-dark);font-weight:800}.faq details[open] summary:after{content:"–"}.faq .faq-a{padding:0 20px 18px;color:var(--slate)}.cta-band{background:radial-gradient(700px 300px at 15% 120%,rgba(240,180,41,.2),transparent 60%),var(--navy);color:var(--white);padding:56px 0}.cta-band .container{display:grid;gap:22px;align-items:center}@media(min-width:900px){.cta-band .container{grid-template-columns:1.4fr 1fr}}.cta-band h2{color:var(--white);margin-bottom:8px}.cta-band p{color:#cbd8e4}.cta-band .cta-actions{display:flex;flex-wrap:wrap;gap:14px;justify-content:flex-start}@media(min-width:900px){.cta-band .cta-actions{justify-content:flex-end}}.page-hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-800) 100%);color:var(--white);padding:52px 0}.page-hero h1{color:var(--white);margin-bottom:12px}.page-hero .lead{color:#cbd8e4}.breadcrumbs{font-size:.83rem;margin-bottom:16px;color:#9fb3c8}.breadcrumbs a{color:#cbd8e4;text-decoration:none}.breadcrumbs a:hover{color:var(--gold)}.two-col{display:grid;gap:44px;align-items:start}@media(min-width:960px){.two-col{grid-template-columns:1.5fr 1fr}}.sticky-side{position:sticky;top:96px}.prose h2{margin:34px 0 14px}.prose h3{margin:26px 0 10px}.prose p{margin-bottom:14px}.prose ul{margin:0 0 14px 20px}.prose ul li{margin-bottom:6px}.chip-list{display:flex;flex-wrap:wrap;gap:10px;list-style:none;margin:16px 0}.chip-list li{background:var(--mist);border:1px solid var(--line);color:var(--navy);border-radius:999px;padding:7px 15px;font-size:.88rem;font-weight:600}.chip-list--links li{padding:0}.chip-list--links a{display:block;padding:7px 15px;text-decoration:none;color:var(--navy);font-weight:600}.chip-list--links li:hover{border-color:var(--gold);background:#fdf6e3}.footer{background:#0c2237;color:#9fb3c8;padding:56px 0 100px;font-size:.92rem}.footer-grid{display:grid;gap:34px}@media(min-width:800px){.footer-grid{grid-template-columns:1.3fr 1fr 1fr 1fr}}.footer h4{color:var(--white);font-size:.95rem;margin-bottom:14px;text-transform:uppercase;letter-spacing:.06em}.footer ul{list-style:none;display:grid;gap:8px}.footer a{color:#9fb3c8;text-decoration:none}.footer a:hover{color:var(--gold)}.footer .f-brand{color:var(--white);font-weight:800;font-size:1.1rem;margin-bottom:10px}.footer .f-phone{color:var(--gold);font-weight:800;font-size:1.15rem;text-decoration:none}.footer-bottom{border-top:1px solid rgba(255,255,255,.1);margin-top:40px;padding-top:22px;display:flex;flex-wrap:wrap;gap:10px;justify-content:space-between;font-size:.82rem}.callbar{position:fixed;bottom:0;left:0;right:0;z-index:60;display:grid;grid-template-columns:1fr 1fr;gap:1px;background:var(--line);box-shadow:0 -4px 16px #0f29422e}.callbar a{padding:15px 10px;text-align:center;font-weight:800;text-decoration:none;font-size:.95rem}.callbar .cb-call{background:var(--navy);color:var(--white)}.callbar .cb-quote{background:var(--gold);color:var(--navy)}@media(min-width:960px){.callbar{display:none}.footer{padding-bottom:56px}}.phone-link{color:var(--gold);font-weight:800;text-decoration:none;white-space:nowrap}.text-center{text-align:center}.mt-2{margin-top:16px}.mt-3{margin-top:24px}.mb-2{margin-bottom:16px}