:root{--navy:#071f3a;--blue:#1768ac;--sky:#d9edf8;--gold:#f1b84b;--ink:#1d2b39;--muted:#5e6c78;--light:#f5f8fb;--white:#fff}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:var(--white)}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.container{width:min(1120px,92%);margin:0 auto}.site-header{background:rgba(255,255,255,.96);border-bottom:1px solid #e6edf3;position:sticky;top:0;z-index:10}.nav-wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:16px 0}.brand{display:flex;align-items:center;gap:12px;font-weight:800;color:var(--navy);font-size:1.1rem}.brand:hover{text-decoration:none}.brand-mark{display:inline-grid;place-items:center;width:48px;height:48px;background:linear-gradient(135deg,var(--navy),var(--blue));color:var(--white);border-radius:14px;font-weight:900;letter-spacing:.5px;box-shadow:0 10px 22px rgba(7,31,58,.18)}nav{display:flex;gap:18px;flex-wrap:wrap;justify-content:flex-end}nav a{color:var(--ink);font-weight:700;font-size:.95rem}.hero{position:relative;min-height:650px;background:linear-gradient(110deg,rgba(7,31,58,.94) 0%,rgba(7,31,58,.75) 45%,rgba(7,31,58,.2) 100%),url('https://images.unsplash.com/photo-1502877338535-766e1452684a?auto=format&fit=crop&w=1800&q=80') center/cover no-repeat;overflow:hidden}.hero:after{content:"";position:absolute;right:-130px;bottom:-130px;width:420px;height:420px;background:var(--gold);opacity:.16;border-radius:50%}.hero-grid{position:relative;z-index:1;display:grid;grid-template-columns:1.08fr .72fr;gap:34px;align-items:center;min-height:650px}.hero-card{background:rgba(255,255,255,.94);padding:42px;border-radius:32px;box-shadow:0 26px 60px rgba(0,0,0,.25);border-left:7px solid var(--gold)}.eyebrow{text-transform:uppercase;letter-spacing:.12em;color:var(--blue);font-weight:900;font-size:.78rem;margin:0 0 12px}h1,h2,h3{line-height:1.12;color:var(--navy);margin:0 0 16px}h1{font-size:clamp(2.2rem,5vw,4.6rem)}h2{font-size:clamp(1.8rem,3vw,2.7rem)}h3{font-size:1.35rem}p{margin:0 0 16px}.hero-card p:not(.eyebrow){font-size:1.12rem;color:#364657}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:13px 22px;font-weight:900;border:2px solid transparent;cursor:pointer}.btn:hover{text-decoration:none}.primary{background:var(--blue);color:var(--white)}.secondary{border-color:var(--blue);color:var(--blue);background:var(--white)}.light{background:var(--white);color:var(--navy)}.quick-panel{background:rgba(7,31,58,.85);color:var(--white);padding:30px;border-radius:28px;border:1px solid rgba(255,255,255,.18)}.quick-panel h2{color:var(--white);font-size:1.6rem}.quick-panel ul{padding-left:20px;margin:0}.quick-panel li{margin:12px 0}.section{padding:72px 0}.split{display:grid;grid-template-columns:1.4fr .6fr;gap:36px;align-items:center}.stat-card{background:var(--light);border-radius:28px;padding:30px;border:1px solid #e5edf4}.stat-card span{display:block;font-size:5rem;font-weight:900;color:var(--blue);line-height:1}.cards-section{background:var(--light)}.section-head{max-width:720px;margin-bottom:28px}.cards{display:grid;gap:22px}.three{grid-template-columns:repeat(3,1fr)}.card{background:var(--white);padding:28px;border-radius:24px;border:1px solid #dfe9f2;box-shadow:0 16px 38px rgba(7,31,58,.07)}.cta-band{background:linear-gradient(135deg,var(--navy),var(--blue));color:var(--white)}.cta-band h2{color:var(--white)}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:22px}.page-hero{background:linear-gradient(135deg,var(--navy),var(--blue));color:var(--white);padding:82px 0}.page-hero.alt{background:linear-gradient(135deg,#0b2f4e,#0f718c)}.page-hero h1,.page-hero .eyebrow{color:var(--white)}.page-hero p{max-width:780px;color:#e6f4fb}.guide-list{display:grid;gap:20px}.guide-list article{background:var(--light);border-left:6px solid var(--gold);padding:28px;border-radius:20px}.content-narrow{max-width:860px}.content-narrow h2{margin-top:30px}.form-layout{display:grid;grid-template-columns:1.25fr .75fr;gap:32px;align-items:start}.contact-form,.contact-side{background:var(--light);padding:30px;border-radius:26px;border:1px solid #dde8f0}.contact-form{display:grid;gap:16px}.contact-form label{display:grid;gap:7px;font-weight:800;color:var(--navy)}input,select,textarea{width:100%;border:1px solid #cbd8e3;border-radius:12px;padding:13px;font:inherit;background:var(--white)}.checks{display:grid;gap:12px;margin:8px 0}.check{display:flex!important;grid-template-columns:auto 1fr!important;align-items:flex-start;gap:10px;font-weight:500!important;color:var(--ink)!important;background:var(--white);padding:14px;border-radius:14px;border:1px solid #dfe8f0}.check input{width:auto;margin-top:5px}.legal h2{font-size:1.5rem}.site-footer{background:#06182c;color:#d7e3ee;padding:48px 0}.footer-grid{display:grid;grid-template-columns:1.1fr 1fr 1fr .75fr;gap:26px}.site-footer h3,.site-footer h4{color:var(--white);margin-bottom:10px}.site-footer a{color:#a7d7ff}@media(max-width:850px){.nav-wrap,.cta-inner{align-items:flex-start;flex-direction:column}nav{justify-content:flex-start}.hero-grid,.split,.three,.form-layout,.footer-grid{grid-template-columns:1fr}.hero,.hero-grid{min-height:auto}.hero{padding:70px 0}.hero-card{padding:28px}.page-hero{padding:58px 0}}