:root{
  --navy:#0b1f3a;--navy-2:#122b4f;--orange:#f26a1b;--orange-2:#d9560e;
  --ink:#1c2430;--muted:#5b6673;--line:#e3e8ee;--bg:#ffffff;--bg-2:#f4f6f9;
  --radius:10px;--max:1140px;
  --font-head:"Barlow Condensed","Arial Narrow",Arial,sans-serif;
  --font-body:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--font-body);color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img,svg{max-width:100%;display:block}
a{color:var(--orange-2);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{font-family:var(--font-head);line-height:1.1;margin:0 0 .5em;color:var(--navy);text-transform:uppercase;letter-spacing:.01em}
h1{font-size:clamp(2.4rem,6vw,4.2rem);font-weight:800}
h2{font-size:clamp(1.9rem,4vw,2.8rem);font-weight:700}
h3{font-size:1.45rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.eyebrow{display:inline-block;font-family:var(--font-head);text-transform:uppercase;letter-spacing:.12em;font-weight:700;color:var(--orange);font-size:.95rem;margin-bottom:.4em}
.lead{font-size:1.15rem;color:var(--muted);max-width:60ch}
.btn{display:inline-flex;align-items:center;gap:.5rem;padding:.85rem 1.4rem;border-radius:6px;font-weight:600;font-family:var(--font-head);font-size:1.1rem;text-transform:uppercase;letter-spacing:.04em;border:2px solid transparent;cursor:pointer;transition:.15s}
.btn:hover{text-decoration:none;transform:translateY(-1px)}
.btn-primary{background:var(--orange);color:#fff}
.btn-primary:hover{background:var(--orange-2)}
.btn-outline{border-color:#fff;color:#fff;background:transparent}
.btn-outline:hover{background:rgba(255,255,255,.12)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}

/* top bar + header */
.topbar{background:var(--navy);color:#cfd8e3;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;min-height:36px;gap:1rem}
.topbar a{color:#fff;font-weight:600}
.topbar .addr{display:none}
@media(min-width:640px){.topbar .addr{display:inline}}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 12px rgba(11,31,58,.06)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:1rem}
.brand{display:flex;align-items:center;gap:.65rem;color:var(--navy);font-family:var(--font-head);font-weight:800;text-transform:uppercase;font-size:1.35rem;line-height:1}
.brand:hover{text-decoration:none}
.brand small{display:block;font-size:.7rem;letter-spacing:.14em;color:var(--orange);font-weight:700}
.brand .mark{width:44px;height:44px;flex:none}
nav.main{display:none;align-items:center;gap:1.6rem}
nav.main a{color:var(--navy);font-weight:600;font-size:.98rem}
nav.main a.active,nav.main a:hover{color:var(--orange-2);text-decoration:none}
nav.main .btn{padding:.6rem 1.1rem;font-size:1rem}
.nav-toggle{display:inline-flex;flex-direction:column;gap:5px;background:none;border:0;padding:8px;cursor:pointer}
.nav-toggle span{width:26px;height:3px;background:var(--navy);border-radius:2px;transition:.2s}
@media(min-width:900px){nav.main{display:flex}.nav-toggle{display:none}}
.mobile-nav{display:none;background:#fff;border-bottom:1px solid var(--line)}
.mobile-nav.open{display:block}
.mobile-nav a{display:block;padding:.9rem 16px;border-top:1px solid var(--line);color:var(--navy);font-weight:600}
.mobile-nav a.cta{background:var(--orange);color:#fff;text-align:center}

/* hero */
.hero{position:relative;background:linear-gradient(135deg,var(--navy) 0%,#163561 60%,#1d4a7e 100%);color:#fff;overflow:hidden}
.hero::after{content:"";position:absolute;inset:0;background:
  repeating-linear-gradient(90deg,rgba(255,255,255,.025) 0 2px,transparent 2px 80px);pointer-events:none}
.hero .wrap{position:relative;z-index:1;display:grid;gap:2rem;padding:4rem 16px 3.5rem}
.hero h1{color:#fff}
.hero h1 em{font-style:normal;color:var(--orange)}
.hero .lead{color:#d6deea}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem}
.hero-art{display:none}
@media(min-width:900px){.hero .wrap{grid-template-columns:1.15fr 1fr;align-items:center;padding:5.5rem 16px}.hero-art{display:block}}
.stripe{height:8px;background:repeating-linear-gradient(135deg,var(--orange) 0 24px,var(--navy) 24px 48px)}

/* sections */
section{padding:3.5rem 0}
@media(min-width:900px){section{padding:5rem 0}}
.alt{background:var(--bg-2)}
.section-head{max-width:720px;margin-bottom:2.2rem}
.grid{display:grid;gap:1.4rem}
@media(min-width:640px){.grid-2{grid-template-columns:1fr 1fr}.grid-3{grid-template-columns:repeat(2,1fr)}}
@media(min-width:900px){.grid-3{grid-template-columns:repeat(3,1fr)}.grid-4{grid-template-columns:repeat(4,1fr)}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:0 1px 3px rgba(11,31,58,.04)}
.card .icon{width:48px;height:48px;border-radius:10px;background:var(--navy);color:var(--orange);display:grid;place-items:center;margin-bottom:1rem}
.card .icon svg{width:26px;height:26px;stroke:currentColor;fill:none;stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.card h3{margin-bottom:.4em}
.card p{color:var(--muted);margin:0}
.card.link{transition:.15s}
.card.link:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(11,31,58,.1);text-decoration:none}
.stats{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:2rem}
@media(min-width:900px){.stats{grid-template-columns:repeat(4,1fr)}}
.stat{background:var(--navy);color:#fff;padding:1.3rem;border-radius:var(--radius);border-left:5px solid var(--orange)}
.stat b{display:block;font-family:var(--font-head);font-size:1.6rem;line-height:1.1}
.stat span{font-size:.85rem;color:#cfd8e3}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:.7rem}
.checks li{padding-left:2rem;position:relative}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:1.1rem;height:1.1rem;border-radius:50%;background:var(--orange);
  -webkit-mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/contain no-repeat;mask:url("data:image/svg+xml;utf8,<svg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'><path fill='black' d='M9 16.2 4.8 12l-1.4 1.4L9 19 21 7l-1.4-1.4z'/></svg>") center/contain no-repeat}
.steps{counter-reset:s;display:grid;gap:1.2rem}
@media(min-width:900px){.steps{grid-template-columns:repeat(4,1fr)}}
.step{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem}
.step::before{content:counter(s,decimal-leading-zero);font-family:var(--font-head);font-weight:800;font-size:2.2rem;color:var(--orange);line-height:1;display:block;margin-bottom:.4rem}
.cta-band{background:var(--orange);color:#fff;padding:3rem 0}
.cta-band .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center;gap:1.2rem}
.cta-band h2{color:#fff;margin:0}
.cta-band .btn-navy{background:var(--navy)}
.page-head{background:var(--navy);color:#fff;padding:3.2rem 0}
.page-head h1{color:#fff;margin-bottom:.2em}
.page-head p{color:#d6deea;max-width:60ch;margin:0}
.badges{display:flex;flex-wrap:wrap;gap:.6rem;margin-top:1.4rem}
.badge{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.25);color:#fff;padding:.35rem .8rem;border-radius:999px;font-size:.85rem;font-weight:600}

/* forms */
form.std{display:grid;gap:1rem}
@media(min-width:640px){form.std{grid-template-columns:1fr 1fr}form.std .full{grid-column:1/-1}}
label{display:block;font-weight:600;font-size:.92rem;margin-bottom:.3rem;color:var(--navy)}
label .req{color:var(--orange)}
input,select,textarea{width:100%;padding:.8rem .9rem;border:1px solid #c9d2dc;border-radius:6px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--orange);outline-offset:1px;border-color:var(--orange)}
textarea{min-height:120px;resize:vertical}
fieldset{border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem;margin:0;grid-column:1/-1}
legend{font-family:var(--font-head);font-weight:700;text-transform:uppercase;color:var(--navy);padding:0 .4rem;font-size:1.1rem}
fieldset .inner{display:grid;gap:1rem}
@media(min-width:640px){fieldset .inner{grid-template-columns:1fr 1fr}fieldset .inner .full{grid-column:1/-1}}
.hp{position:absolute;left:-9999px;opacity:0;height:0;width:0}
.note{font-size:.9rem;color:var(--muted)}
.form-side{display:grid;gap:1.2rem;align-content:start}
.contact-box{background:var(--navy);color:#fff;border-radius:var(--radius);padding:1.6rem}
.contact-box h3{color:#fff}
.contact-box a{color:#fff;font-weight:600}
.contact-box dl{margin:0;display:grid;gap:.9rem}
.contact-box dt{font-size:.78rem;text-transform:uppercase;letter-spacing:.1em;color:var(--orange);font-weight:700}
.contact-box dd{margin:0}
.map{border:0;width:100%;height:320px;border-radius:var(--radius)}
.alert{padding:1rem 1.2rem;border-radius:8px;background:#e8f6ec;border:1px solid #9ad3a9;color:#1d5a2c;margin-bottom:1rem;display:none}
.alert.show{display:block}
.alert.err{background:#fdecec;border-color:#f0a0a0;color:#7a1f1f}

/* footer */
footer{background:var(--navy);color:#b9c6d6;padding:3rem 0 1.5rem;font-size:.93rem}
footer .grid{gap:2rem}
footer h4{color:#fff;font-size:1.1rem;margin-bottom:.8em}
footer a{color:#fff}
footer ul{list-style:none;padding:0;margin:0;display:grid;gap:.45rem}
footer .brand{color:#fff}
footer .brand small{color:var(--orange)}
.foot-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.2rem;display:flex;flex-wrap:wrap;justify-content:space-between;gap:.6rem;font-size:.82rem}
.authority{display:none;gap:1rem;flex-wrap:wrap;font-weight:600;color:#fff}
.authority.show{display:flex}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0)}
.cta-mobile{position:fixed;bottom:0;left:0;right:0;z-index:40;display:grid;grid-template-columns:1fr 1fr;background:#fff;border-top:1px solid var(--line);box-shadow:0 -4px 16px rgba(11,31,58,.12)}
.cta-mobile a{text-align:center;padding:.9rem;font-family:var(--font-head);font-weight:700;text-transform:uppercase;font-size:1.05rem;color:var(--navy)}
.cta-mobile a.q{background:var(--orange);color:#fff}
@media(min-width:900px){.cta-mobile{display:none}}
body.has-mobile-cta{padding-bottom:56px}
@media(min-width:900px){body.has-mobile-cta{padding-bottom:0}}

/* FAQ */
.faq-list{display:grid;gap:.6rem;max-width:860px}
.faq{border:1px solid var(--line);border-radius:8px;background:#fff;padding:0 1.1rem}
.faq summary{cursor:pointer;font-family:var(--font-head);font-weight:700;font-size:1.15rem;text-transform:uppercase;color:var(--navy);padding:.9rem 0;list-style:none;display:flex;justify-content:space-between;gap:1rem}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--orange);font-size:1.4rem;line-height:1}
.faq[open] summary::after{content:"–"}
.faq p{color:var(--muted);margin:0 0 1rem}
.page-head .badges a.badge:hover{background:var(--orange);border-color:var(--orange);text-decoration:none}

/* legal pages */
.legal{max-width:820px}
.legal h2{font-size:1.5rem;margin-top:2rem}
.legal h2:first-child{margin-top:0}
.legal p,.legal li{color:var(--ink)}
.legal .checks{margin:0 0 1.2rem}