:root{
  --navy:#1a3a5c;--navy-deep:#0f2844;--accent:#c8733a;--accent-hover:#a85f2e;
  --sky:#5ba4d9;--paper:#f4f7fb;--text:#1a2332;--muted:#5a6578;--line:#dde4ee;--white:#fff;
  --shadow:0 18px 50px rgba(15,40,68,.12);--radius:16px;--max:1180px;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font:16px/1.6 "Segoe UI",system-ui,sans-serif;color:var(--text);background:var(--paper)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy)}
.container{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip-link{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:8px 12px;z-index:9999}
.skip-link:focus{left:12px;top:12px}
.topbar{background:var(--navy-deep);color:#dbe7f5;font-size:.88rem}
.topbar-inner{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:10px 0;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:700}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:100;box-shadow:0 2px 16px rgba(0,0,0,.04)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding:14px 0}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand svg,.brand img{height:52px;width:auto}
.brand-text strong{display:block;font-size:1.05rem;line-height:1.1}
.brand-text span{font-size:.78rem;color:var(--muted);letter-spacing:.04em;text-transform:uppercase}
.nav-links{display:flex;align-items:center;gap:18px;flex-wrap:wrap}
.nav-links>a,.nav-dropdown-btn{color:var(--navy);text-decoration:none;font-weight:600;font-size:.92rem;background:none;border:none;cursor:pointer;font-family:inherit;padding:0}
.nav-dropdown{position:relative}
.nav-dropdown-menu{display:none;position:absolute;top:calc(100% + 8px);left:0;min-width:220px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:var(--shadow);padding:8px;z-index:50}
.nav-dropdown.open .nav-dropdown-menu{display:block}
.nav-dropdown-menu a{display:block;padding:9px 12px;border-radius:8px;color:var(--navy);text-decoration:none;font-size:.88rem}
.nav-dropdown-menu a:hover{background:var(--paper)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font-size:1.2rem;cursor:pointer}
.mobile-nav{display:none;background:#fff;border-top:1px solid var(--line);padding:12px 20px 18px}
.mobile-nav a{display:block;padding:10px 0;color:var(--navy);text-decoration:none;font-weight:600;border-bottom:1px solid var(--line)}
.mobile-nav-group strong{display:block;margin-top:12px;color:var(--muted);font-size:.78rem;text-transform:uppercase;letter-spacing:.06em}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 22px;border-radius:12px;font-weight:700;text-decoration:none;border:none;cursor:pointer;font-family:inherit;font-size:.95rem;transition:transform .15s,background .15s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-hover)}
.btn-ghost{background:transparent;border:2px solid rgba(255,255,255,.55);color:#fff}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-deep)}
.hero{background:linear-gradient(135deg,var(--navy-deep) 0%,var(--navy) 55%,#163e66 100%);color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;inset:auto -10% -40% auto;width:420px;height:420px;background:radial-gradient(circle,rgba(255,255,255,.08),transparent 70%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:36px;align-items:center}
.hero h1{font-size:clamp(2rem,4vw,3rem);line-height:1.08;margin:0 0 14px}
.hero .lead{font-size:1.12rem;color:#dbe7f5;max-width:36rem;margin:0 0 24px}
.hero-card{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.12);border-radius:var(--radius);padding:22px;backdrop-filter:blur(8px)}
.hero-card li{margin:8px 0;color:#edf4ff}
.hero-actions{display:flex;flex-wrap:wrap;gap:12px}
.section{padding:64px 0}
.section-head{margin-bottom:28px}
.section-head.center{text-align:center}
.section-head h2{font-size:clamp(1.6rem,3vw,2.2rem);margin:0 0 8px;color:var(--navy)}
.section-head p{color:var(--muted);max-width:640px;margin:0 auto}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;color:var(--accent);margin-bottom:8px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px;box-shadow:0 8px 24px rgba(15,40,68,.05);transition:transform .15s,box-shadow .15s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow)}
.card .icon{font-size:1.8rem;margin-bottom:8px}
.card h3{margin:0 0 8px;color:var(--navy);font-size:1.05rem}
.card p{margin:0;color:var(--muted);font-size:.92rem}
.card a.stretch{display:block;margin-top:14px;color:var(--accent);font-weight:700;text-decoration:none}
.band{background:var(--navy);color:#fff;padding:56px 0;text-align:center}
.band h2{margin:0 0 10px;font-size:clamp(1.5rem,3vw,2rem)}
.band p{color:#dbe7f5;max-width:560px;margin:0 auto 22px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:center}
.split ul{padding-left:18px;color:var(--muted)}
.split li{margin:8px 0}
.page-hero{background:linear-gradient(160deg,var(--navy-deep),var(--navy));color:#fff;padding:56px 0 48px}
.page-hero h1{margin:0 0 10px;font-size:clamp(1.8rem,3.5vw,2.6rem)}
.page-hero p{color:#dbe7f5;max-width:720px;margin:0;font-size:1.05rem}
.content-block{padding:48px 0}
.content-block .panel{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:28px;box-shadow:0 8px 24px rgba(15,40,68,.05)}
.content-block h2{color:var(--navy);margin-top:0}
.content-block ul{color:var(--muted)}
.quote-form-section{background:linear-gradient(180deg,#fff,var(--paper))}
.quote-form{max-width:760px;margin:0 auto}
.quote-form-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.quote-form-field label{display:block;font-weight:700;font-size:.88rem;margin-bottom:6px;color:var(--navy)}
.quote-form-field input,.quote-form-field textarea,.quote-form-field select{width:100%;padding:12px 14px;border:1px solid var(--line);border-radius:10px;font:inherit;background:#fff}
.quote-form-field textarea{min-height:110px;resize:vertical}
.quote-form-sms-optin{border:1px solid var(--line);border-radius:12px;padding:14px;margin:16px 0;background:#fff}
.quote-form-sms-optin legend{font-weight:700;color:var(--navy);padding:0 6px}
.quote-form-consent{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--muted)}
.quote-form-consent input{margin-top:4px;width:auto}
.quote-form-note{font-size:.88rem;color:var(--muted)}
.quote-form-status{margin-top:12px;font-weight:700;color:var(--navy)}
footer{background:var(--navy-deep);color:#b8c9de;padding:48px 0 28px;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:28px}
footer h4{color:#fff;margin:0 0 12px}
footer a{display:block;color:#b8c9de;text-decoration:none;margin:6px 0;font-size:.9rem}
footer a:hover{color:#fff}
.footer-bottom{border-top:1px solid rgba(255,255,255,.08);margin-top:28px;padding-top:18px;font-size:.82rem;color:#8fa3bc;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap}
.policy-nav-min{background:#fff;border-bottom:1px solid var(--line);padding:14px 0}
.policy-nav-min .container{display:flex;justify-content:space-between;align-items:center}
.policy-page{padding:40px 0 64px}
.policy-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:32px;max-width:860px;margin:0 auto;box-shadow:0 8px 24px rgba(15,40,68,.05)}
.policy-card h1{color:var(--navy);margin-top:0}
.policy-card h2{color:var(--navy);margin-top:28px}
.policy-meta{color:var(--muted)}
.list-plain{list-style:none;padding:0}
.list-plain li{margin:6px 0}
.mobile-call{position:fixed;bottom:18px;left:18px;z-index:90;display:none}
@media(max-width:900px){
  .hero-grid,.split,.footer-grid,.quote-form-grid{grid-template-columns:1fr}
  .nav-links,.nav-toggle{display:none}
  .nav-toggle{display:block}
  .mobile-call{display:inline-flex}
}
@media(min-width:901px){.mobile-call{display:none!important}}