:root{--navy:#0b1f33;--blue:#0f5fa8;--gold:#f0b429;--bg:#f7f9fc;--text:#17212b;--muted:#5b6773;--white:#fff;--border:#d9e1ea}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:var(--white);line-height:1.6}a{color:inherit;text-decoration:none}.topbar{background:var(--navy);color:#fff;padding:8px 20px;font-size:14px}.container{width:min(1120px,92%);margin:auto}.topbar .container,.nav .container,.footer .container{display:flex;justify-content:space-between;align-items:center;gap:20px}.nav{background:#fff;border-bottom:1px solid var(--border);position:sticky;top:0;z-index:20}.brand{font-weight:800;letter-spacing:.5px;padding:18px 0;color:var(--navy)}.navlinks{display:flex;gap:20px;align-items:center}.btn{display:inline-block;padding:12px 18px;border-radius:8px;font-weight:700;background:var(--blue);color:#fff}.btn.secondary{background:var(--gold);color:#111}.hero{background:linear-gradient(135deg,#eef5fb,#fff);padding:76px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:42px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:1.8px;font-weight:700;font-size:13px;color:var(--blue)}h1{font-size:clamp(40px,6vw,70px);line-height:1.02;margin:12px 0 20px;color:var(--navy)}h2{font-size:clamp(28px,4vw,44px);line-height:1.15;color:var(--navy);margin:0 0 14px}h3{color:var(--navy);margin:0 0 8px}.lead{font-size:19px;color:var(--muted)}.card{background:#fff;border:1px solid var(--border);border-radius:16px;padding:24px;box-shadow:0 14px 40px rgba(11,31,51,.08)}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}input,select,textarea{width:100%;padding:13px;border:1px solid var(--border);border-radius:8px;font:inherit}.full{grid-column:1/-1}.section{padding:72px 0}.section.alt{background:var(--bg)}.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.grid-4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.feature{padding:22px;border:1px solid var(--border);border-radius:14px;background:#fff}.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:10px;padding:0;list-style:none}.checklist li:before{content:'✓';font-weight:800;color:var(--blue);margin-right:8px}.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:12px;margin-top:28px}.stat{padding:18px;text-align:center;border-radius:12px;background:var(--navy);color:#fff}.stat strong{display:block;font-size:24px}.page-hero{padding:58px 0;background:var(--bg)}.prose{max-width:850px}.prose h2{font-size:30px;margin-top:34px}.footer{background:var(--navy);color:#fff;padding:34px 0;margin-top:0}.footer .container{align-items:flex-start}.small{font-size:13px;color:#687787}.notice{background:#fff7df;border:1px solid #f0d489;padding:14px;border-radius:10px}.mobile-menu{display:none}@media(max-width:820px){.hero-grid,.grid-3,.grid-4,.stats{grid-template-columns:1fr}.navlinks{display:none}.mobile-menu{display:block}.form-grid,.checklist{grid-template-columns:1fr}.hero{padding:50px 0}.topbar .container,.footer .container{display:block}.footer .container>div{margin-bottom:18px}}