:root{
  --navy:#0e2a47;--ink:#0f1b2a;--body:#41546b;--line:#e2e8f0;
  --amber:#f0900f;--amber-dk:#c9760a;--bg:#ffffff;--bg-alt:#f4f7fb;--white:#fff;
  --r:14px;--shadow:0 10px 30px rgba(14,42,71,.10);--shadow-lg:0 24px 60px rgba(14,42,71,.16);
  --wrap:1200px;
}
*{box-sizing:border-box}
html,body{margin:0;padding:0;max-width:100%;overflow-x:hidden}
html{scroll-behavior:smooth}
body{font-family:'Manrope',system-ui,-apple-system,'Segoe UI',sans-serif;color:var(--body);background:var(--bg);font-size:17px;line-height:1.7;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:'Sora','Manrope',sans-serif;color:var(--ink);line-height:1.18;margin:0 0 .6em;letter-spacing:-.02em}
h1{font-size:clamp(2rem,4.4vw,3.35rem);font-weight:800}
h2{font-size:clamp(1.5rem,2.6vw,2.15rem);font-weight:700}
h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1.1em}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{color:var(--amber-dk)}
ul{margin:0 0 1.2em;padding-left:1.1rem}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:820px}
.center{text-align:center}
.muted{color:#6b7f96;font-size:.96rem}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.5rem;font-weight:700;font-size:.95rem;padding:.75rem 1.25rem;border-radius:999px;border:2px solid transparent;transition:.18s ease;cursor:pointer;font-family:inherit;text-align:center}
.btn-lg{padding:.95rem 1.7rem;font-size:1.02rem}
.btn-primary{background:var(--amber);color:#231402;border-color:var(--amber)}
.btn-primary:hover{background:var(--amber-dk);border-color:var(--amber-dk);color:#fff;transform:translateY(-2px)}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-ghost{background:#eef3f9;color:var(--navy)}
.btn-ghost:hover{background:#dfe9f4;color:var(--navy)}

/* header */
.site-header{position:sticky;top:0;z-index:100;background:#fff;box-shadow:0 1px 0 var(--line)}
.site-header.scrolled{box-shadow:0 6px 24px rgba(14,42,71,.10)}
.topbar{background:var(--navy);color:#c9d8e8;font-size:.82rem}
.topbar-in{display:flex;gap:1.5rem;justify-content:space-between;align-items:center;min-height:38px;flex-wrap:wrap}
.topbar a{color:#fff}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:78px}
.brand{display:flex;align-items:center;gap:.65rem}
.brand img{width:48px;height:48px;object-fit:contain}
.brand-text{display:flex;flex-direction:column;line-height:1.1}
.brand-text strong{font-family:'Sora',sans-serif;font-size:1.22rem;color:var(--navy);letter-spacing:-.02em}
.brand-text em{font-style:normal;font-size:.68rem;letter-spacing:.16em;text-transform:uppercase;color:var(--amber-dk);font-weight:700}
.nav{display:flex;align-items:center;gap:1rem}
.nav-list{display:flex;align-items:center;gap:.15rem;list-style:none;margin:0;padding:0}
.nav-list>li>a,.menu-btn{display:inline-flex;align-items:center;gap:.3rem;padding:.55rem .6rem;font-size:.93rem;font-weight:600;color:var(--ink);background:none;border:0;font-family:inherit;cursor:pointer;border-radius:8px}
.nav-list>li>a:hover,.menu-btn:hover{color:var(--amber-dk);background:#f4f7fb}
.caret{width:0;height:0;border-left:4px solid transparent;border-right:4px solid transparent;border-top:5px solid currentColor;opacity:.6}
.has-menu{position:relative}
.dropdown{position:absolute;top:calc(100% + 6px);left:0;min-width:290px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:var(--shadow-lg);padding:.5rem;list-style:none;margin:0;opacity:0;visibility:hidden;transform:translateY(8px);transition:.16s ease;max-height:70vh;overflow:auto}
.has-menu:hover>.dropdown,.has-menu.open>.dropdown{opacity:1;visibility:visible;transform:none}
.dropdown a{display:block;padding:.5rem .7rem;border-radius:8px;font-size:.9rem;color:var(--body)}
.dropdown a:hover{background:#f4f7fb;color:var(--navy)}
.nav-cta{display:flex;gap:.5rem}
.nav-cta .btn{padding:.6rem 1rem;font-size:.88rem}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:0;padding:10px;cursor:pointer}
.hamburger span{width:26px;height:3px;background:var(--navy);border-radius:2px;transition:.2s}
.hamburger.active span:nth-child(1){transform:translateY(8px) rotate(45deg)}
.hamburger.active span:nth-child(2){opacity:0}
.hamburger.active span:nth-child(3){transform:translateY(-8px) rotate(-45deg)}
.call-bar{display:none}

/* hero */
.hero{background:linear-gradient(160deg,#0e2a47 0%,#154272 55%,#1b5390 100%);color:#e8f0f8;padding:clamp(3rem,6vw,5.5rem) 0}
.hero-in{display:grid;grid-template-columns:1.05fr .95fr;gap:3rem;align-items:center}
.hero h1{color:#fff}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.75rem;font-weight:800;color:var(--amber);margin-bottom:.9rem}
.hero .lede{font-size:1.1rem;color:#cfe0f0;max-width:56ch}
.lede{font-size:1.12rem}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap;margin:1.6rem 0}
.hero .btn-outline{border-color:#fff;color:#fff}
.hero .btn-outline:hover{background:#fff;color:var(--navy)}
.hero-points{list-style:none;padding:0;margin:1.4rem 0 0;display:grid;gap:.55rem}
.hero-points li{padding-left:1.8rem;position:relative;color:#d7e6f4;font-size:.98rem}
.hero-points li:before{content:"";position:absolute;left:0;top:.45em;width:1.05rem;height:1.05rem;border-radius:50%;background:var(--amber)}
.hero-media{position:relative}
.hero-media img{border-radius:20px;box-shadow:var(--shadow-lg)}
.hero-badge{position:absolute;left:-14px;bottom:-18px;background:#fff;border-radius:16px;padding:.85rem 1.1rem;box-shadow:var(--shadow-lg);display:flex;flex-direction:column}
.hero-badge strong{font-family:'Sora';color:var(--navy);font-size:1.3rem}
.hero-badge span{font-size:.76rem;color:#6b7f96;max-width:130px}

.page-hero{background:linear-gradient(150deg,#0e2a47,#1a4e86);color:#dbe8f4;padding:clamp(2.6rem,5vw,4.2rem) 0}
.page-hero h1{color:#fff;max-width:20ch}
.page-hero .narrow h1{max-width:none}
.page-hero .lede{color:#cfe0f0;max-width:70ch}
.page-hero a{color:#ffd79a}
.center-actions{justify-content:center}

/* sections */
.section{padding:clamp(2.8rem,5vw,4.5rem) 0}
.section-alt{background:var(--bg-alt)}
.section-dark{background:var(--navy);color:#cfe0f0}
.section-dark h2,.section-dark h3{color:#fff}
.sec-head{max-width:720px;margin-bottom:2rem}
.section-dark .sec-head p{color:#b8cde2}
.grid{display:grid;gap:1.4rem}
.grid-2{grid-template-columns:repeat(2,1fr)}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-4{grid-template-columns:repeat(4,1fr)}
.tight{gap:.8rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.5rem;transition:.18s}
.card:hover{box-shadow:var(--shadow);transform:translateY(-3px);border-color:#cfdcea}
.card h2,.card h3{margin-bottom:.5rem;font-size:1.15rem}
.card p{font-size:.95rem;margin-bottom:.8rem}
.card-wide h2{font-size:1.3rem}
.link-arrow{font-weight:700;font-size:.9rem;color:var(--amber-dk)}
.link-arrow:after{content:" →"}
.mini-card{display:block;border:1px solid var(--line);border-radius:12px;padding:.9rem 1rem;background:#fff}
.mini-card strong{display:block;color:var(--navy);font-size:.98rem}
.mini-card span{font-size:.85rem;color:#6b7f96}
.mini-card:hover{border-color:var(--amber);box-shadow:var(--shadow)}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:2.8rem;align-items:start}
.split-media img{border-radius:18px;box-shadow:var(--shadow)}
.sticky{position:sticky;top:120px}
.check{list-style:none;padding:0;display:grid;gap:.7rem}
.check li{position:relative;padding-left:1.9rem}
.check li:before{content:"✓";position:absolute;left:0;top:0;color:var(--amber-dk);font-weight:800}
.steps{padding-left:1.2rem;display:grid;gap:.6rem}
.chip-grid{display:flex;flex-wrap:wrap;gap:.6rem}
.chip{display:inline-block;padding:.5rem 1rem;border:1px solid var(--line);border-radius:999px;background:#fff;font-size:.9rem;font-weight:600;color:var(--navy)}
.chip:hover{border-color:var(--amber);background:#fff7ec}
.chip-alt{background:var(--navy);color:#fff;border-color:var(--navy)}
.chip-alt:hover{color:#fff;background:#154272}
.small .chip{padding:.35rem .75rem;font-size:.82rem}
.stat{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.3rem;text-align:center}
.stat strong{display:block;font-family:'Sora';font-size:1.35rem;color:var(--navy)}
.stat span{font-size:.88rem;color:#6b7f96}
.quote{background:rgba(255,255,255,.07);border:1px solid rgba(255,255,255,.14);border-radius:var(--r);padding:1.5rem;margin:0}
.quote p{font-size:.98rem}
.quote cite{font-style:normal;display:flex;flex-direction:column}
.quote cite strong{color:#fff}
.quote cite span{font-size:.84rem;opacity:.75}
.quote-light{background:#fff;border:1px solid var(--line);color:var(--body)}
.quote-light cite strong{color:var(--navy)}
.faq{background:#fff;border:1px solid var(--line);border-radius:12px;padding:1rem 1.2rem;margin-bottom:.7rem}
.faq summary{font-weight:700;color:var(--ink);cursor:pointer;font-family:'Sora',sans-serif;font-size:1rem;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary:before{content:"+";float:right;color:var(--amber-dk);font-weight:800}
.faq[open] summary:before{content:"–"}
.faq p{margin:.8rem 0 0;font-size:.96rem}
.article img{border-radius:16px;margin-bottom:1.6rem}
.article h2{margin-top:1.8rem}
.link-list{list-style:none;padding:0;display:grid;gap:.4rem}
.link-list a{font-weight:600;font-size:.95rem}
.box{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.4rem;margin-top:1.2rem;box-shadow:var(--shadow)}
.box h3{margin:1rem 0 .4rem;font-size:1rem}
.box h3:first-child{margin-top:0}
.box .big a{font-family:'Sora';font-size:1.4rem;font-weight:800;color:var(--navy)}
.inline-box{background:var(--bg-alt);box-shadow:none;margin:2rem 0}

/* cta band */
.cta-band{background:linear-gradient(120deg,#0e2a47,#1b5390);color:#dbe8f4;padding:clamp(2.2rem,4vw,3.4rem) 0}
.cta-in{display:flex;gap:2rem;align-items:center;justify-content:space-between;flex-wrap:wrap}
.cta-band h2{color:#fff;margin-bottom:.35rem}
.cta-band p{margin:0;max-width:60ch;color:#cfe0f0}
.cta-actions{display:flex;gap:.8rem;flex-wrap:wrap}
.cta-band .btn-outline{border-color:#fff;color:#fff}
.cta-band .btn-outline:hover{background:#fff;color:var(--navy)}

/* form */
.quote-form{display:grid;grid-template-columns:1fr 1fr;gap:1rem;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:1.5rem;box-shadow:var(--shadow)}
.fld{display:flex;flex-direction:column;gap:.35rem}
.fld-full{grid-column:1/-1}
.fld label{font-size:.85rem;font-weight:700;color:var(--ink)}
.fld input,.fld textarea{font-family:inherit;font-size:.95rem;padding:.7rem .8rem;border:1px solid #cfdcea;border-radius:10px;background:#fbfdff;color:var(--ink);width:100%}
.fld input:focus,.fld textarea:focus{outline:2px solid var(--amber);border-color:var(--amber)}
.form-note{font-size:.86rem;color:#6b7f96;margin:.6rem 0 0}
.form-status{grid-column:1/-1;margin:0;font-weight:700;color:#127a3f}

/* footer */
.site-footer{background:#0a1f36;color:#a9c1d8;padding:3rem 0 1.5rem;font-size:.93rem}
.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:2rem}
.site-footer h3{color:#fff;font-size:.95rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:.9rem}
.site-footer ul{list-style:none;padding:0;display:grid;gap:.4rem}
.site-footer a{color:#a9c1d8}
.site-footer a:hover{color:var(--amber)}
.foot-lead{margin-top:.9rem}
.foot-contact a{color:#fff;font-weight:700}
.foot-bottom{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.1rem;font-size:.85rem}
.foot-bottom p{margin:0}

@media(max-width:1080px){
  .nav-cta .btn-ghost{display:none}
  .nav-list>li>a,.menu-btn{padding:.5rem .45rem;font-size:.87rem}
}
@media(max-width:920px){
  .hero-in,.split{grid-template-columns:1fr}
  .sticky{position:static}
  .grid-3,.grid-4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
  .hamburger{display:flex}
  .topbar-mail{display:none}
  .nav{position:fixed;inset:118px 0 0 0;background:#fff;flex-direction:column;align-items:stretch;gap:0;padding:1rem 20px 6rem;overflow-y:auto;transform:translateX(100%);transition:.25s ease;display:flex}
  .nav.open{transform:none}
  .nav-list{flex-direction:column;align-items:stretch;gap:0}
  .nav-list>li{border-bottom:1px solid var(--line)}
  .nav-list>li>a,.menu-btn{width:100%;padding:.9rem .2rem;font-size:1rem;justify-content:space-between}
  .dropdown{position:static;opacity:1;visibility:visible;transform:none;box-shadow:none;border:0;display:none;padding:0 0 .6rem .6rem;max-height:none}
  .has-menu.open>.dropdown{display:block}
  .has-menu:hover>.dropdown{display:none}
  .has-menu.open:hover>.dropdown{display:block}
  .nav-cta{padding-top:1rem;flex-direction:column}
  .nav-cta .btn{width:100%}
  .quote-form{grid-template-columns:1fr}
  body{padding-bottom:56px}
  .call-bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:120;background:var(--amber);color:#231402;font-weight:800;align-items:center;justify-content:center;height:56px;box-shadow:0 -6px 20px rgba(0,0,0,.16)}
}
@media(max-width:600px){
  body{font-size:16px}
  .grid-2,.grid-3,.grid-4,.footer-grid{grid-template-columns:1fr}
  .topbar-in{justify-content:center;gap:.8rem;font-size:.75rem}
  .hero-badge{position:static;margin-top:1rem}
  .hero-actions .btn,.cta-actions .btn{width:100%}
  .brand-text strong{font-size:1.05rem}
}