:root{
  --navy:#0b2545;--navy-2:#13315c;--blue:#1d4ed8;--blue-2:#3b82f6;--sky:#e8f0fe;--light:#93c5fd;
  --bg:#f4f6fb;--card:#fff;--line:#e2e8f0;--text:#0f172a;--muted:#64748b;--danger:#dc2626;--ok:#059669;
  --radius:12px;--shadow:0 1px 2px rgba(15,23,42,.06),0 1px 3px rgba(15,23,42,.08);
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Inter,Helvetica,Arial,sans-serif;color:var(--text);background:var(--bg)}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .6rem}
h1{font-size:2.1rem;letter-spacing:-.3px}
h2{font-size:1.55rem}
h3{font-size:1.1rem}
p{margin:0 0 1rem}
.wrap{max-width:1120px;margin:0 auto;padding:0 1.25rem}
.muted{color:var(--muted)}.small{font-size:.9rem}.tiny{font-size:.8rem}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:.5rem 1rem;z-index:99}
.skip:focus{left:1rem}
/* header */
.topbar{position:sticky;top:0;z-index:20;background:var(--navy);color:#fff}
.topbar .wrap{display:flex;align-items:center;gap:1rem;min-height:64px}
.brand{display:flex;align-items:center;gap:.6rem;color:#fff;font-weight:700;letter-spacing:.2px;font-size:1.05rem}
.brand:hover{text-decoration:none}
.brand img{width:34px;height:34px}
.brand small{display:block;font-weight:500;font-size:.68rem;color:var(--light);letter-spacing:.6px;text-transform:uppercase;line-height:1.1}
.spacer{flex:1}
.nav{display:none;gap:.2rem;align-items:center}
.nav a{color:#cbd5e1;padding:.45rem .8rem;border-radius:8px;font-weight:500}
.nav a.on,.nav a:hover{background:var(--navy-2);color:#fff;text-decoration:none}
.nav a.cta{background:var(--blue);color:#fff;margin-left:.4rem}
.nav a.cta:hover{background:#1e40af}
.menu-btn{background:transparent;border:1px solid rgba(255,255,255,.25);color:#fff;border-radius:8px;padding:.4rem .7rem;font:inherit;font-weight:600;cursor:pointer}
.mnav{display:none;background:var(--navy);border-top:1px solid var(--navy-2);padding:.5rem 1.25rem 1rem}
.mnav.open{display:block}
.mnav a{display:block;color:#e2e8f0;padding:.65rem 0;border-bottom:1px solid var(--navy-2);font-weight:500}
.mnav a:last-child{border-bottom:0}
/* hero */
.hero{background:radial-gradient(1200px 600px at 10% -10%,#1e3a8a 0,transparent 60%),var(--navy);color:#fff;padding:3.5rem 0 3.75rem}
.hero h1{color:#fff;font-size:2.3rem;max-width:760px}
.hero p.lead{color:#cfe0ff;font-size:1.15rem;max-width:640px}
.hero .eyebrow{color:var(--light);text-transform:uppercase;letter-spacing:.8px;font-size:.78rem;font-weight:700;margin-bottom:.6rem}
.hero.small{padding:2.5rem 0 2.6rem}
.hero.small h1{font-size:2rem}
.actions{display:flex;gap:.7rem;flex-wrap:wrap;margin-top:1.4rem}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;border:1px solid var(--line);background:#fff;color:var(--text);padding:.75rem 1.2rem;border-radius:10px;font:inherit;font-weight:700;cursor:pointer;min-height:48px;text-decoration:none!important}
.btn:hover{background:#f8fafc}
.btn.primary{background:var(--blue);border-color:var(--blue);color:#fff}
.btn.primary:hover{background:#1e40af}
.btn.ghost{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.3);color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.18)}
.btn.block{width:100%}
.btn[disabled]{opacity:.65;cursor:wait}
/* sections */
section.band{padding:3.25rem 0}
section.band.white{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.section-head{max-width:720px;margin-bottom:1.6rem}
.grid{display:grid;grid-template-columns:1fr;gap:1rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:1.3rem}
.card h3{margin-bottom:.35rem}
.card p:last-child{margin-bottom:0}
.icon{width:42px;height:42px;border-radius:10px;background:var(--sky);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:.8rem}
.icon svg{width:22px;height:22px}
.steps{counter-reset:step;display:grid;gap:1rem}
.step{position:relative;padding-left:3.4rem}
.step::before{counter-increment:step;content:counter(step);position:absolute;left:0;top:0;width:2.4rem;height:2.4rem;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.split{display:grid;gap:1.5rem;align-items:start}
.callout{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#e2e8f0;border-radius:16px;padding:1.8rem}
.callout h2,.callout h3{color:#fff}
.callout .btn{margin-top:.4rem}
ul.checks{list-style:none;padding:0;margin:0 0 1rem}
ul.checks li{position:relative;padding-left:1.7rem;margin-bottom:.55rem}
ul.checks li::before{content:"";position:absolute;left:0;top:.45rem;width:.95rem;height:.55rem;border-left:3px solid var(--blue);border-bottom:3px solid var(--blue);transform:rotate(-45deg)}
.callout ul.checks li::before{border-color:var(--light)}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--radius);margin-bottom:.6rem}
.faq summary{cursor:pointer;padding:1rem 1.2rem;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--blue);font-weight:800}
.faq details[open] summary::after{content:"\2212"}
.faq details>div{padding:0 1.2rem 1rem}
.notice{background:var(--sky);border:1px solid #bfdbfe;border-radius:var(--radius);padding:1rem 1.2rem;color:#1e3a8a}
/* forms */
.form-card{background:#fff;border:1px solid var(--line);border-radius:16px;box-shadow:0 10px 30px rgba(15,23,42,.08);padding:1.5rem}
.form-grid{display:grid;grid-template-columns:1fr;gap:.9rem}
.form-grid .full{grid-column:1/-1}
label{display:block;font-size:.85rem;font-weight:600;color:#334155;margin-bottom:.3rem}
input,select,textarea{width:100%;font:inherit;font-size:16px;padding:.65rem .75rem;border:1px solid #cbd5e1;border-radius:10px;background:#fff;color:var(--text);min-height:46px}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:2px solid var(--light);border-color:var(--blue-2)}
.field-err{color:var(--danger);font-size:.82rem;margin-top:.25rem;min-height:0}
.invalid input,.invalid select,.invalid textarea{border-color:var(--danger)}
.consent{display:flex;gap:.7rem;align-items:flex-start;font-weight:400;font-size:.85rem;color:#334155;line-height:1.5}
.consent input{width:20px;min-height:20px;height:20px;flex:0 0 auto;margin-top:.15rem}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.form-msg{display:none;border-radius:10px;padding:.75rem 1rem;margin-bottom:1rem;font-weight:600}
.form-msg.err{display:block;background:#fef2f2;border:1px solid #fecaca;color:#991b1b}
.form-msg.ok{display:block;background:#ecfdf5;border:1px solid #a7f3d0;color:#065f46}
.req{color:var(--danger)}
/* legal */
.legal{max-width:820px}
.legal h2{font-size:1.2rem;margin-top:2rem}
.legal ul{padding-left:1.2rem}
/* footer */
footer{background:var(--navy);color:#cbd5e1;padding:2.5rem 0 1.5rem;font-size:.92rem}
footer a{color:#e2e8f0}
footer .cols{display:grid;gap:1.5rem;margin-bottom:1.5rem}
footer h4{color:#fff;margin:0 0 .6rem;font-size:.95rem}
footer ul{list-style:none;padding:0;margin:0}
footer li{margin-bottom:.35rem}
footer .disclaimer{border-top:1px solid var(--navy-2);padding-top:1.2rem;font-size:.8rem;color:#94a3b8;line-height:1.55}
footer .brand{margin-bottom:.7rem}
.phone-big{font-size:1.6rem;font-weight:800;color:var(--navy)}
@media (min-width:720px){
  h1{font-size:2.5rem}
  .hero h1{font-size:2.9rem}
  .hero.small h1{font-size:2.4rem}
  .grid.two{grid-template-columns:1fr 1fr}
  .grid.three{grid-template-columns:repeat(3,1fr)}
  .grid.four{grid-template-columns:repeat(2,1fr)}
  .form-grid{grid-template-columns:1fr 1fr}
  .steps{grid-template-columns:1fr 1fr}
  footer .cols{grid-template-columns:2fr 1fr 1fr}
}
@media (min-width:1000px){
  .nav{display:flex}
  .menu-btn,.mnav{display:none!important}
  .grid.four{grid-template-columns:repeat(4,1fr)}
  .split{grid-template-columns:1.1fr .9fr;gap:2.5rem}
  .steps{grid-template-columns:repeat(4,1fr)}
  .step{padding-left:0;padding-top:3.2rem}
}
.mt1{margin-top:1.2rem}
.fine{margin:.8rem 0 0}
.kicker{color:var(--blue);text-transform:uppercase;letter-spacing:.8px;font-size:.78rem;font-weight:700;margin-bottom:.5rem}