:root{--navy:#10395c;--navy2:#0b2a45;--sky:#e8f1f8;--ink:#1d2733;--muted:#5a6a7a;--line:#d7e0e8;--accent:#e07b24;--accent-d:#c56412;--ok:#1e7a46;--radius:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy)}a:hover{text-decoration:underline}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy2);color:#fff;position:sticky;top:0;z-index:10}
header.site .wrap{display:flex;align-items:center;gap:18px;padding:14px 20px;flex-wrap:wrap}
.brand{font-weight:800;font-size:1.15rem;color:#fff;text-decoration:none;letter-spacing:.2px}
.brand small{display:block;font-weight:500;font-size:.72rem;color:#bcd2e4;letter-spacing:.4px;text-transform:uppercase}
nav.main{margin-left:auto;display:flex;gap:16px;flex-wrap:wrap;align-items:center}
nav.main a{color:#dce9f4;text-decoration:none;font-size:.95rem}
nav.main a:hover{color:#fff;text-decoration:underline}
nav.main a.cta{background:var(--accent);color:#fff;padding:8px 14px;border-radius:8px;font-weight:700}
nav.main a.cta:hover{background:var(--accent-d);text-decoration:none}
.hero{background:linear-gradient(160deg,var(--navy) 0%,#15507e 100%);color:#fff;padding:56px 0 48px}
.hero .kicker{color:#a9cbe4;text-transform:uppercase;letter-spacing:1.2px;font-size:.8rem;font-weight:700}
.hero h1{font-size:2.4rem;line-height:1.15;margin:.3em 0}
.hero p.lede{font-size:1.12rem;color:#e3eef7;max-width:720px}
.hero .disc{font-size:.9rem;color:#bcd2e4;margin-top:14px}
.btn{display:inline-block;background:var(--accent);color:#fff;padding:12px 20px;border-radius:9px;font-weight:700;text-decoration:none;margin:10px 10px 0 0}
.btn:hover{background:var(--accent-d);text-decoration:none}
.btn.ghost{background:transparent;border:2px solid #9dbfd9;color:#fff}
.btn.ghost:hover{background:rgba(255,255,255,.08)}
section{padding:44px 0}
section.alt{background:var(--sky)}
h2{font-size:1.7rem;line-height:1.25;margin:0 0 10px;color:var(--navy2)}
h3{color:var(--navy2)}
.sub{color:var(--muted);max-width:760px}
.grid{display:grid;gap:18px;margin-top:22px}
.grid.c2{grid-template-columns:repeat(2,1fr)}.grid.c3{grid-template-columns:repeat(3,1fr)}.grid.c4{grid-template-columns:repeat(4,1fr)}
@media(max-width:860px){.grid.c3,.grid.c4{grid-template-columns:repeat(2,1fr)}}
@media(max-width:560px){.grid.c2,.grid.c3,.grid.c4{grid-template-columns:1fr}.hero h1{font-size:1.9rem}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{margin:6px 0 8px;font-size:1.08rem}
.card p{margin:0 0 10px;color:var(--muted);font-size:.97rem}
.card .go{font-weight:700}
.check{color:var(--ok);font-weight:800}
.num{display:inline-flex;align-items:center;justify-content:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800}
.tag{display:inline-block;background:#fdf0e2;color:var(--accent-d);font-size:.75rem;font-weight:700;padding:3px 9px;border-radius:20px;text-transform:uppercase;letter-spacing:.5px}
ul.tight{margin:8px 0;padding-left:20px}ul.tight li{margin:5px 0}
.checklist{list-style:none;padding:0;margin:12px 0}
.checklist li{padding:9px 12px;border:1px solid var(--line);border-radius:9px;margin:8px 0;background:#fff}
.checklist li b{color:var(--navy2)}
.note{background:#fdf6ec;border:1px solid #f0dcbc;border-radius:10px;padding:14px 16px;font-size:.95rem}
.cta-band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:28px;margin:10px 0}
.cta-band h2{color:#fff}.cta-band p{color:#d7e6f2}
form.quote{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:22px}
form.quote label{display:block;font-weight:600;margin:14px 0 5px;font-size:.95rem}
form.quote input,form.quote select,form.quote textarea{width:100%;padding:11px;border:1px solid var(--line);border-radius:8px;font:inherit}
form.quote button{margin-top:18px;background:var(--accent);color:#fff;border:0;padding:13px 22px;border-radius:9px;font-weight:700;font-size:1rem;cursor:pointer}
form.quote button:hover{background:var(--accent-d)}
.upload{border:2px dashed var(--line);border-radius:10px;padding:16px;margin:10px 0;background:#fbfdff}
footer.site{background:var(--navy2);color:#c9dcea;padding:40px 0 28px;margin-top:20px}
footer.site a{color:#e8f1f8}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:26px}
@media(max-width:760px){footer.site .cols{grid-template-columns:1fr}}
footer.site h4{color:#fff;margin:0 0 10px}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:6px 0}
.fine{border-top:1px solid #274a68;margin-top:26px;padding-top:16px;font-size:.85rem;color:#9db8cd}
.crumb{font-size:.85rem;color:var(--muted);margin:18px 0 0}
.cmp-table{width:100%;border-collapse:collapse;margin-top:12px;font-size:.95rem}
.cmp-table th,.cmp-table td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.cmp-table thead th{background:var(--sky);color:var(--navy2)}
.form-status{margin-top:12px;font-weight:600;min-height:1.2em}