:root{--navy:#0F2A43;--navy-dark:#0A1E31;--steel:#EEF2F6;--gold:#C9A227;--gold-dark:#A8861B;
--ink:#232323;--muted:#4B5563;--line:#D5DDE6;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:'Inter','Segoe UI',Arial,sans-serif;background:var(--steel);color:var(--ink);line-height:1.65;font-size:17px}
a{color:var(--navy)}img{max-width:100%}
h1,h2,h3{font-family:'Libre Franklin','Archivo',Arial,sans-serif;color:var(--navy);line-height:1.15;font-weight:800}
h1{font-size:44px;margin:0 0 14px}h2{font-size:30px;margin:34px 0 12px}h3{font-size:21px;margin:24px 0 8px}
p{margin:0 0 14px}.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
section{padding:34px 0}
.topbar{background:var(--navy);color:#fff;font-size:14px}
.topbar-inner{max-width:1140px;margin:0 auto;padding:8px 20px;display:flex;justify-content:space-between;gap:6px 12px;flex-wrap:wrap}
.topbar a{color:var(--gold);text-decoration:none;font-weight:700}
.topbar a:hover{text-decoration:underline}
header.sitehead{position:sticky;top:0;z-index:50;background:var(--white);color:var(--ink);border-bottom:3px solid var(--gold);box-shadow:0 2px 10px rgba(15,42,67,.12)}
.header-inner{max-width:1140px;margin:0 auto;padding:0 20px;display:flex;align-items:center;gap:16px;height:72px}
.logo a{display:flex;align-items:center;gap:10px;text-decoration:none}
.logo img{height:52px;width:auto;display:block}
nav.mainnav{margin-left:auto;display:flex;align-items:center;gap:4px}
nav.mainnav a.navlink,nav.mainnav .dropbtn{color:var(--ink);text-decoration:none;font-weight:600;
padding:10px 12px;border-radius:8px;background:none;border:0;font-size:15.5px;cursor:pointer;font-family:inherit}
nav.mainnav a.navlink:hover,nav.mainnav .dropbtn:hover{color:var(--navy);background:var(--steel)}
.dropdown{position:relative}
.submenu{display:none;position:absolute;top:100%;left:0;min-width:280px;max-height:420px;overflow-y:auto;background:#fff;border:1px solid var(--line);
border-radius:10px;box-shadow:0 12px 30px rgba(15,42,67,.18);padding:8px;z-index:60}
.submenu a{display:block;padding:9px 12px;color:var(--ink);text-decoration:none;border-radius:6px;font-weight:500}
.submenu a:hover{background:var(--steel);color:var(--navy)}
.caret{display:inline-block;transition:transform .2s;margin-left:4px;font-size:11px;color:var(--gold)}
.dropbtn[aria-expanded="true"] .caret{transform:rotate(180deg)}
@media(min-width:901px){.dropdown:hover .submenu{display:block}}
.call-btn{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff!important;
text-decoration:none;font-weight:700;padding:11px 18px;border-radius:999px;white-space:nowrap;
transition:background .15s,transform .1s}
.call-btn:hover{background:var(--gold)}
.call-btn:active,.btn:active,.btn-white:active,.btn-ghost:active{transform:translateY(1px);filter:brightness(.92)}
.hamburger{display:none;background:none;border:0;cursor:pointer;padding:8px}
.hamburger span{display:block;width:24px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px}
.hero{background-color:var(--steel);background-size:cover;background-position:center bottom;background-repeat:no-repeat;
color:var(--navy);position:relative;overflow:hidden}
.hero-overlay{position:absolute;inset:0;background:linear-gradient(115deg,rgba(238,242,246,.80) 0%,rgba(238,242,246,.58) 45%,rgba(238,242,246,.26) 100%)}
.hero-in{position:relative;z-index:1;padding:84px 20px 96px;max-width:1140px;margin:0 auto}
.hero-home .hero-in{padding:96px 20px}
.eyebrow{display:inline-block;background:var(--navy);color:#fff;font-weight:700;font-size:13px;
letter-spacing:1.5px;text-transform:uppercase;padding:7px 14px;border-radius:999px;margin-bottom:18px}
.hero h1{color:var(--navy);font-size:52px;text-shadow:0 1px 0 rgba(255,255,255,.55),0 0 22px rgba(238,242,246,.9)}
.hero p.lede{font-size:19px;color:#3D5268;max-width:640px;text-shadow:0 1px 0 rgba(255,255,255,.55),0 0 18px rgba(238,242,246,.9)}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}
.btn{display:inline-flex;align-items:center;gap:8px;background:var(--navy);color:#fff!important;text-decoration:none;
font-weight:700;padding:15px 32px;border-radius:999px;transition:background .15s,transform .1s}
.btn:hover{background:var(--gold)}
.btn-white{display:inline-flex;align-items:center;gap:8px;background:#fff;color:var(--navy)!important;
text-decoration:none;font-weight:700;padding:14px 22px;border-radius:999px;transition:filter .15s,transform .1s}
.btn-white:hover{filter:brightness(.94)}
.btn-ghost{display:inline-flex;align-items:center;gap:8px;border:2px solid var(--navy);color:var(--navy)!important;text-decoration:none;
font-weight:700;padding:13px 28px;border-radius:999px}
.hero-note{margin-top:20px;font-size:14px;color:var(--muted);text-shadow:0 1px 0 rgba(255,255,255,.5)}
.strip{background:var(--white);border-bottom:1px solid var(--line)}
.strip-in{display:flex;flex-wrap:wrap;gap:10px 40px;justify-content:center;padding:22px 20px;font-weight:600;font-size:15px;color:var(--navy)}
.strip-in span{display:inline-flex;align-items:center;gap:8px}
.dot{width:9px;height:9px;border-radius:50%;background:var(--gold);flex:none}
.kicker{color:var(--navy);font-weight:700;letter-spacing:2px;text-transform:uppercase;font-size:13px;margin-bottom:8px}
.sec-head{max-width:720px;margin-bottom:36px}
.sec-head h2{font-size:32px;margin-bottom:10px}
.sec-head p{font-size:17px;color:var(--muted)}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:16px;overflow:hidden;transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,42,67,.14)}
.card-body{padding:20px}.card-body h3{margin:0 0 8px;font-size:17px;line-height:1.35}.card-body h3 a{color:var(--navy);text-decoration:none}
.card-body h3 a:hover{color:var(--gold-dark)}
.card-body p{color:var(--muted);font-size:14px}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.blog-card{background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;transition:transform .15s,box-shadow .15s}
.blog-card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,42,67,.14)}
.blog-card img{display:block;width:100%;aspect-ratio:3/2;object-fit:cover}
.blog-body{padding:20px}.blog-body h3{margin:0 0 8px;font-size:18px;line-height:1.35}.blog-body h3 a{color:var(--navy);text-decoration:none}
.blog-body h3 a:hover{color:var(--gold-dark)}
.blog-body p{color:var(--muted);font-size:14px}
.read-more{color:var(--navy);font-weight:700;text-decoration:none;font-size:14px}
.read-more:hover{color:var(--gold-dark)}
.card .ic{width:46px;height:46px;border-radius:12px;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.card .ic svg{width:24px;height:24px}
.areagrid{display:grid;grid-template-columns:repeat(5,1fr);gap:14px}
.areacard{display:flex;align-items:center;justify-content:center;gap:10px;min-height:88px;border-radius:12px;
background:var(--white);color:var(--navy);text-decoration:none;padding:20px 16px;
border:1px solid var(--line);font-weight:700;font-size:16px;text-align:center;transition:border-color .15s,transform .15s,box-shadow .15s}
.areacard:hover{border-color:var(--gold);transform:translateY(-3px);box-shadow:0 12px 28px rgba(15,42,67,.14)}
.area-note{margin-top:18px;color:var(--muted);font-size:15px}
.band{background:var(--steel)}
.band .cols{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:start}
.check{list-style:none;padding:0}
.check li{padding:10px 0 10px 34px;position:relative;border-bottom:1px solid var(--line);font-weight:500}
.check li:last-child{border-bottom:0}
.check li::before{content:"";position:absolute;left:0;top:14px;width:20px;height:20px;border-radius:50%;
background:var(--navy) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='white' stroke-width='3' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M20 6L9 17l-5-5'/%3E%3C/svg%3E") center/12px no-repeat}
.how{background:var(--navy);color:#fff}
.how h2.section-title{color:#fff}
.how p.section-sub{color:#C8D6E5}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.step{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);border-radius:16px;padding:28px 24px;text-align:center}
.step .ic{width:44px;height:44px;border-radius:50%;background:var(--gold);color:#fff;
display:flex;align-items:center;justify-content:center;margin:0 auto 14px}
.step .ic svg{width:24px;height:24px}
.step h3{font-size:20px;margin:0 0 8px;color:#fff}
.step p{font-size:15px;color:#D5DEE9}
.faq{max-width:760px;margin:0 auto}
.faq details{background:#fff;border:1px solid var(--line);border-left:5px solid var(--navy);border-radius:10px;
padding:16px 18px;margin-bottom:12px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:12px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--gold);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq p{margin:10px 0 0;color:var(--ink)}
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff;font-size:32px;margin-bottom:10px}
.cta-band p{color:#C8D6E5;margin-bottom:24px}
footer.sitefoot{background:var(--navy);color:#C8D6E5;margin-top:20px}
.foot{max-width:1140px;margin:0 auto;padding:56px 20px 36px;display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:28px}
.foot h4{color:#fff;margin:0 0 14px;font-size:16px}
.foot a{color:#C8D6E5;text-decoration:none;display:block;padding:5px 0;border-bottom:1px solid rgba(255,255,255,.12)}
.foot a:hover{color:var(--gold)}
.foot p{color:#C8D6E5}
.foot .phone{color:#fff;font-weight:700;font-size:18px;border-bottom:0}
.foot .brand{font-size:20px;font-weight:800;color:#fff}
.foot-bottom{max-width:1140px;margin:0 auto;padding:18px 20px;border-top:1px solid rgba(255,255,255,.2);
display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;font-size:13px}
.foot-bottom a{color:#C8D6E5;text-decoration:none}
.bottom-links .sep{color:var(--gold);margin:0 10px}
.foot-referral{max-width:1140px;margin:0 auto;padding:0 20px 22px}
.foot-referral p{margin:0;font-size:13px;line-height:1.6;color:#9DB1C6;text-align:center}
.crumb{max-width:1100px;margin:0 auto;padding:16px 20px 0;color:var(--muted);font-size:14px}
.crumb a{color:var(--navy)}
.callbar{display:none}
ul.tight li{margin-bottom:8px}
@media(max-width:1000px){.grid{grid-template-columns:repeat(2,1fr)}.blog-grid{grid-template-columns:repeat(2,1fr)}.areagrid{grid-template-columns:repeat(3,1fr)}}
@media(max-width:900px){
.topbar{font-size:13px}
h1{font-size:34px}.hero h1{font-size:36px}
.hero{background-size:contain;background-position:center bottom}
.hero-in,.hero-home .hero-in{padding:56px 20px 64px}
.grid{grid-template-columns:1fr 1fr}.areagrid{grid-template-columns:repeat(2,1fr)}
.band .cols{grid-template-columns:1fr}.steps{grid-template-columns:1fr}.foot{grid-template-columns:1fr 1fr}
.hamburger{display:block;margin-left:auto}
nav.mainnav{display:none;position:absolute;top:100%;left:0;right:0;background:var(--white);
flex-direction:column;align-items:stretch;padding:10px 16px 18px;box-shadow:0 14px 24px rgba(15,42,67,.15)}
header.nav-open nav.mainnav{display:flex}
nav.mainnav a.navlink,nav.mainnav .dropbtn{color:var(--ink);text-align:left;width:100%}
.dropdown{width:100%}
.submenu{position:static;display:none;box-shadow:none;border:0;padding:0 0 0 18px;background:transparent;max-height:none;overflow:visible}
.submenu a{color:var(--muted)}
.submenu.open{display:block}
.header-inner .call-btn{display:none}
.callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;justify-content:center;gap:8px;
background:var(--navy);color:#fff!important;text-decoration:none;font-weight:700;padding:15px;font-size:18px}
body{padding-bottom:58px}
}
@media(max-width:560px){.grid,.areagrid,.steps,.blog-grid{grid-template-columns:1fr}.foot{grid-template-columns:1fr}
.logo img{height:44px}.hero h1{font-size:32px}section{padding:48px 0}}