:root{
    --navy:#16386b;
    --navy-dark:#0f2a52;
    --ink:#161a1f;
    --muted:#535c6b;
    --line:#e2e6ec;
    --surface:#f6f8fa;
    --white:#ffffff;
    --radius:10px;
    --pad:clamp(1.125rem,4.5vw,2rem);
    --section:clamp(3rem,7vw,5rem);
    --maxw:1120px;
  }
  *{box-sizing:border-box}
  html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
  body{
    margin:0;background:var(--white);color:var(--ink);
    font-family:"Inter",-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;
    font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased;
  }
  @media (prefers-reduced-motion: reduce){ html{scroll-behavior:auto} *{transition:none!important} }

  .wrap{width:100%;max-width:var(--maxw);margin-inline:auto;padding-inline:var(--pad)}
  section{padding-block:var(--section)}
  h1,h2,h3{margin:0;line-height:1.2;letter-spacing:-.015em;font-weight:800}
  h1{font-size:clamp(1.75rem,5.2vw,2.75rem)}
  h2{font-size:clamp(1.375rem,3.6vw,1.875rem)}
  h3{font-size:1.0625rem;font-weight:700;letter-spacing:-.005em}
  p{margin:0}
  a{color:var(--navy)}

  .btn{
    display:inline-flex;align-items:center;justify-content:center;gap:.5rem;
    min-height:48px;padding:0 1.35rem;border-radius:var(--radius);
    font-weight:700;font-size:1rem;text-decoration:none;border:1.5px solid transparent;
    transition:background-color .18s ease,border-color .18s ease,color .18s ease;
  }
  .btn-primary{background:var(--navy);color:#fff}
  .btn-primary:hover{background:var(--navy-dark)}
  .btn-ghost{background:#fff;color:var(--navy);border-color:var(--line)}
  .btn-ghost:hover{border-color:var(--navy)}
  .btn-light{background:#fff;color:var(--navy)}
  .btn-light:hover{background:#eef2f8}
  a:focus-visible,.btn:focus-visible{outline:3px solid #3f7fd6;outline-offset:2px;border-radius:var(--radius)}

  .skip{position:absolute;left:-9999px}
  .skip:focus{left:var(--pad);top:.5rem;min-height:44px;display:inline-flex;align-items:center;z-index:99;background:#fff;padding:.6rem 1rem;border-radius:8px;border:2px solid var(--navy)}

  /* header */
  header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
  .hdr{display:flex;align-items:center;justify-content:space-between;gap:1rem;min-height:68px}
  .brand{display:inline-flex;align-items:center;min-height:44px;gap:.6rem;text-decoration:none;color:var(--ink);font-weight:800;font-size:1.0625rem;letter-spacing:-.02em}
  .brand svg{flex:none}
  .hdr .btn{min-height:44px;padding:0 1rem;font-size:.9375rem}

  /* hero */
  .hero{padding-block:clamp(2.5rem,6vw,4.25rem) var(--section)}
  .hero .eyebrow{font-size:.875rem;font-weight:700;letter-spacing:.09em;text-transform:uppercase;color:var(--navy)}
  .hero h1{margin-top:.75rem;max-width:20ch}
  .hero .lede{margin-top:1.15rem;font-size:clamp(1.0625rem,2.2vw,1.1875rem);color:var(--muted);max-width:58ch}
  .cta-row{display:flex;flex-wrap:wrap;gap:.75rem;margin-top:1.75rem}
  .cta-row .btn{flex:1 1 auto;min-width:210px}
  .points{list-style:none;margin:2rem 0 0;padding:0;display:grid;gap:.7rem}
  .points li{display:flex;gap:.65rem;align-items:flex-start;color:var(--ink);font-size:.9688rem}
  .points svg{flex:none;margin-top:.28rem}

  /* generic blocks */
  .surface{background:var(--surface);border-block:1px solid var(--line)}
  .lead-in{max-width:60ch}
  .lead-in p{margin-top:.85rem;color:var(--muted);font-size:1.0625rem}
  .grid{display:grid;gap:1rem;margin-top:2rem}
  @media(min-width:700px){.grid.c2{grid-template-columns:1fr 1fr}.grid.c3{grid-template-columns:repeat(3,1fr)}}
  .card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.4rem}
  .card h3{margin-bottom:.5rem}
  .card p{color:var(--muted);font-size:.9688rem}
  .card .ico{width:38px;height:38px;border-radius:9px;background:#eaf0f9;display:grid;place-items:center;margin-bottom:.9rem}

  /* steps */
  .steps{counter-reset:s;list-style:none;padding:0;margin:2rem 0 0;display:grid;gap:1.15rem}
  @media(min-width:800px){.steps{grid-template-columns:repeat(4,1fr);gap:1.5rem}}
  .steps li{counter-increment:s;padding-top:1rem;border-top:3px solid var(--navy)}
  .steps li::before{content:"0" counter(s);display:block;font-size:.8125rem;font-weight:800;letter-spacing:.08em;color:var(--navy);margin-bottom:.4rem}
  .steps h3{margin-bottom:.35rem}
  .steps p{color:var(--muted);font-size:.9375rem}

  /* split */
  .split{display:grid;gap:1rem;margin-top:2rem}
  @media(min-width:800px){.split{grid-template-columns:1fr 1fr;gap:1.25rem}}
  .panel{border:1px solid var(--line);border-radius:var(--radius);padding:1.5rem;background:#fff}
  .panel.dark{background:var(--navy);border-color:var(--navy);color:#fff}
  .panel.dark h3,.panel.dark p,.panel.dark li{color:#fff}
  .panel.dark .sub{color:#c9d7ea}
  .panel h3{font-size:1.1875rem;margin-bottom:.5rem}
  .panel .sub{color:var(--muted);font-size:.9688rem}
  .panel ul{list-style:none;padding:0;margin:1.1rem 0 1.4rem;display:grid;gap:.6rem}
  .panel li{display:flex;gap:.6rem;align-items:flex-start;font-size:.9688rem}
  .panel li svg{flex:none;margin-top:.28rem}

  /* faq */
  details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-top:.75rem}
  summary{cursor:pointer;list-style:none;padding:1.05rem 1.25rem;font-weight:700;font-size:1rem;display:flex;justify-content:space-between;gap:1rem;align-items:center;min-height:48px}
  summary::-webkit-details-marker{display:none}
  summary::after{content:"+";font-size:1.4rem;font-weight:600;color:var(--navy);line-height:1}
  details[open] summary::after{content:"–"}
  details p{padding:0 1.25rem 1.25rem;color:var(--muted);font-size:.9688rem;max-width:72ch}

  /* contact */
  .contact{background:var(--navy);color:#fff}
  .contact h2{color:#fff;max-width:18ch}
  .contact .lede{margin-top:.9rem;color:#c9d7ea;font-size:1.0625rem;max-width:52ch}
  .mailbox{margin-top:1.75rem;display:flex;flex-wrap:wrap;gap:.75rem;align-items:center}
  .mail-link{
    display:inline-flex;align-items:center;gap:.6rem;min-height:52px;padding:0 1.35rem;
    background:rgba(255,255,255,.1);border:1.5px solid rgba(255,255,255,.35);border-radius:var(--radius);
    color:#fff;text-decoration:none;font-weight:700;font-size:1.0625rem;word-break:break-all;
  }
  .mail-link:hover{background:rgba(255,255,255,.18)}

  /* footer */
  footer{background:#0e1b2e;color:#b9c6d8;font-size:.9375rem}
  footer .wrap{padding-block:2.5rem}
  .foot-top{display:flex;flex-wrap:wrap;gap:1.5rem;justify-content:space-between;align-items:flex-start}
  footer .brand{color:#fff}
  footer a{color:#fff;text-decoration:underline;text-underline-offset:3px}
  .foot-nav{display:flex;flex-wrap:wrap;gap:.35rem 1.1rem}
  .foot-nav a{color:#b9c6d8;text-decoration:none;display:inline-flex;align-items:center;min-height:44px}
  .foot-nav a:hover{color:#fff;text-decoration:underline}
  details p a,.foot-bottom a{display:inline-flex;align-items:center;min-height:44px}
  .foot-bottom{margin-top:2rem;padding-top:1.5rem;border-top:1px solid #23344c;display:flex;flex-wrap:wrap;gap:.75rem;justify-content:space-between}

  /* logo */
  .brand img{height:38px;width:auto;display:block}
  footer .brand img{height:34px;background:#fff;border-radius:6px;padding:3px}
  /* hero split with photo */
  .hero-grid{display:grid;gap:2rem;align-items:center}
  @media(min-width:900px){.hero-grid{grid-template-columns:1.05fr .95fr;gap:3rem}}
  .photo{width:100%;height:auto;border-radius:var(--radius);display:block;border:1px solid var(--line)}
  .photo-band{margin-top:2rem;display:grid;gap:1rem}
  @media(min-width:700px){.photo-band{grid-template-columns:1fr 1fr}}
  /* contact */
  .contact-grid{display:grid;gap:1.5rem;margin-top:1.75rem}
  @media(min-width:800px){.contact-grid{grid-template-columns:1fr 1fr}}
  .contact-list{list-style:none;padding:0;margin:0;display:grid;gap:1rem}
  .contact-list li{display:flex;gap:.9rem;align-items:flex-start}
  .contact-list .k{font-size:.8125rem;font-weight:700;letter-spacing:.06em;text-transform:uppercase;color:#c9d7ea}
  .contact-list a,.contact-list address{color:#fff;font-style:normal;font-weight:600;font-size:1.0625rem;text-decoration:none;display:inline-flex;align-items:center;min-height:44px}
  .contact-list a:hover{text-decoration:underline}
  .contact-list svg{flex:none;margin-top:.9rem}
  .hdr-cta{display:flex;gap:.5rem;align-items:center}
  .hdr-nav{display:none;gap:1.25rem;margin-left:auto;margin-right:1rem}
  .hdr-nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.9375rem;display:inline-flex;align-items:center;min-height:44px}
  .hdr-nav a:hover{color:var(--navy)}
  @media(min-width:760px){.hdr-nav{display:flex}}
  .phone-inline{white-space:nowrap}