:root{
  --navy:#0F2A43; --navy2:#143656; --orange:#E8603A; --orange-d:#C94E2B;
  --ink:#1D2733; --muted:#55636F; --bg:#FFFFFF; --bg-soft:#F2F6F9; --line:#DCE5EC;
  --radius:14px; --maxw:1140px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--navy2);text-decoration:underline;text-underline-offset:2px}
a:hover{color:var(--orange-d)}
:focus-visible{outline:3px solid var(--orange);outline-offset:2px;border-radius:4px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:200}
.skip:focus{left:8px;top:8px;color:#fff}
/* header */
.topbar{background:var(--navy);color:#D9E4EE;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:600;text-decoration:none}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.brand{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy)}
.brand svg{flex:0 0 auto}
.brand-name{font-size:21px;font-weight:800;letter-spacing:-.2px;line-height:1.1}
.brand-sub{font-size:12.5px;color:var(--muted);font-weight:600;letter-spacing:.4px;text-transform:uppercase}
.main-nav{display:flex;align-items:center;gap:26px}
.main-nav a.nl{color:var(--navy);text-decoration:none;font-weight:600;font-size:15.5px}
.main-nav a.nl:hover,.main-nav a.nl[aria-current="page"]{color:var(--orange-d)}
.nav-toggle{display:none;background:none;border:2px solid var(--navy);border-radius:9px;padding:8px 12px;
  font-weight:700;color:var(--navy);cursor:pointer;font-size:15px}
.btn{display:inline-flex;align-items:center;gap:9px;background:var(--orange);color:#fff !important;
  text-decoration:none;font-weight:700;padding:13px 24px;border-radius:11px;border:2px solid var(--orange);
  font-size:16.5px;line-height:1.2;transition:background .15s ease}
.btn:hover{background:var(--orange-d);border-color:var(--orange-d);color:#fff}
.btn.ghost{background:transparent;color:var(--navy) !important;border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff !important}
.btn.small{padding:10px 18px;font-size:15px}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 62%,#1B4A73 100%);color:#fff;padding:64px 0 56px}
.hero h1{font-size:42px;line-height:1.15;letter-spacing:-.5px;max-width:820px}
.hero .lede{font-size:19.5px;color:#D9E4EE;max-width:720px;margin-top:16px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.hero .btn.ghost{border-color:#fff;color:#fff !important}
.hero .btn.ghost:hover{background:#fff;color:var(--navy) !important}
.trust-strip{display:flex;gap:10px 26px;flex-wrap:wrap;margin-top:30px;font-size:14.5px;color:#C8D6E4;font-weight:600}
.trust-strip span::before{content:"\2713\00A0";color:var(--orange);font-weight:800}
/* page hero (subpages) */
.page-hero{background:var(--bg-soft);border-bottom:1px solid var(--line);padding:38px 0 30px}
.page-hero h1{font-size:36px;line-height:1.2;color:var(--navy);letter-spacing:-.4px;max-width:860px}
.page-hero .lede{font-size:18.5px;color:var(--muted);max-width:760px;margin-top:10px}
.crumbs{font-size:14px;color:var(--muted);margin-bottom:14px}
.crumbs a{color:var(--muted)}
/* sections */
section.blk{padding:52px 0}
section.blk.alt{background:var(--bg-soft)}
h2{font-size:29px;color:var(--navy);line-height:1.25;letter-spacing:-.3px;margin-bottom:14px}
h3{font-size:20.5px;color:var(--navy);line-height:1.3;margin:22px 0 8px}
p{margin-bottom:14px}
.lede-p{font-size:18.5px}
ul.tight,ol.tight{margin:0 0 16px 22px}
ul.tight li,ol.tight li{margin-bottom:7px}
.answer-box{background:#FFF4EF;border:1px solid #F5CDBD;border-left:5px solid var(--orange);
  border-radius:10px;padding:18px 20px;margin:22px 0}
.answer-box p{margin:0}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(215px,1fr));gap:16px;margin:24px 0 8px}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.card h3{margin-top:0;font-size:18.5px}
.card p{font-size:15.5px;color:var(--muted);margin-bottom:10px}
.card a{font-weight:700;font-size:15.5px}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:24px 0 8px;counter-reset:step}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:20px}
.step .n{display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;
  align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}
.step h3{margin:0 0 6px;font-size:18px}
.step p{font-size:15.5px;color:var(--muted);margin:0}
/* FAQ */
.faq{border:1px solid var(--line);border-radius:11px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:15px 18px;font-size:16.5px;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--orange);font-weight:800}
.faq[open ] summary::after{content:"\2212"}
.faq .faq-a{padding:0 18px 16px;color:#33424F}
.faq .faq-a p:last-child{margin-bottom:0}
/* CTA band */
.cta-band{background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px 30px;margin:10px 0}
.cta-band h2{color:#fff;margin-bottom:8px}
.cta-band p{color:#D9E4EE;max-width:680px}
.cta-band .btn{margin-top:8px}
/* footer */
footer{background:var(--navy);color:#C8D6E4;margin-top:0}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.2fr;gap:28px;padding:44px 0 30px}
footer h3{color:#fff;font-size:17px;margin:0 0 12px}
footer a{color:#C8D6E4;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
footer ul{list-style:none}
footer li{margin-bottom:8px;font-size:15.5px}
footer p{font-size:15.5px}
.footer-brand .brand-name{color:#fff}
.footer-bottom{border-top:1px solid #24425F;padding:18px 0 26px;font-size:14px;color:#93A8BC;
  display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}
.footer-bottom a{color:#C8D6E4}
/* sticky mobile call bar */
.callbar{display:none}
@media (max-width:900px){
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:760px){
  body{font-size:16px}
  .hero{padding:44px 0 40px}
  .hero h1{font-size:31px}
  .page-hero h1{font-size:28px}
  h2{font-size:24px}
  section.blk{padding:38px 0}
  .nav-toggle{display:inline-block}
  .main-nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;
    align-items:flex-start;gap:0;padding:10px 20px 18px;border-bottom:1px solid var(--line);
    box-shadow:0 14px 24px rgba(15,42,67,.12)}
  .main-nav.open{display:flex}
  .main-nav a.nl{padding:10px 0;width:100%;border-bottom:1px solid var(--line)}
  .main-nav .btn{margin-top:12px}
  .site-header{position:relative}
  .callbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:60;background:var(--orange);
    padding:10px 14px calc(10px + env(safe-area-inset-bottom));gap:10px}
  .callbar a{flex:1;text-align:center;background:#fff;color:var(--orange-d) !important;border-radius:10px;
    padding:12px 8px;font-weight:800;text-decoration:none;font-size:16px}
  body{padding-bottom:64px}
  .footer-grid{grid-template-columns:1fr}
  .topbar .wrap{justify-content:center;text-align:center}
}

/* Hero background images — light wash, text on top */
.hero{background-image:linear-gradient(90deg,rgba(238,244,249,.90) 0%,rgba(238,244,249,.78) 45%,rgba(238,244,249,.38) 75%,rgba(238,244,249,.24) 100%),var(--hero-img);background-size:cover;background-position:center;color:#33475C}
.hero h1{color:#0F2A43}
.hero .lede{color:#2E4359;font-weight:500}
.hero .btn.ghost{border-color:#0F2A43;color:#0F2A43 !important}
.hero .btn.ghost:hover{background:#0F2A43;color:#fff !important}
.hero .trust-strip{color:#2E4359}
.page-hero[style*="--hero-img"]{background-image:linear-gradient(90deg,rgba(240,245,249,.88) 0%,rgba(240,245,249,.72) 55%,rgba(240,245,249,.40) 100%),var(--hero-img);background-size:cover;background-position:center}
.page-media{display:none}
.hero .lede{text-shadow:0 1px 3px rgba(255,255,255,.65)}
.page-hero .lede{color:#3D546E;font-weight:500;text-shadow:0 1px 3px rgba(255,255,255,.65)}
.page-hero h1{text-shadow:0 1px 3px rgba(255,255,255,.5)}

.brand-logo{height:52px;width:auto;display:block}
@media(max-width:560px){.brand-logo{height:42px}}
@media(max-width:700px){
  .hero{background-image:linear-gradient(90deg,rgba(238,244,249,.94) 0%,rgba(238,244,249,.84) 55%,rgba(238,244,249,.58) 100%),var(--hero-img)}
  .page-hero[style*="--hero-img"]{background-image:linear-gradient(90deg,rgba(240,245,249,.93) 0%,rgba(240,245,249,.82) 60%,rgba(240,245,249,.60) 100%),var(--hero-img)}
}

.card-img{width:100%;height:160px;object-fit:cover;border-radius:10px;display:block;margin:0 0 14px}

/* Header dropdown menus */
.drop{position:relative;display:inline-block}
.caret{font-size:11px;margin-left:2px}
.drop-menu{position:absolute;top:calc(100% + 12px);left:50%;transform:translateX(-50%);background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 40px rgba(15,42,67,.18);padding:8px;min-width:292px;display:none;flex-direction:column;z-index:80;text-align:left}
.drop-menu a{color:var(--navy);text-decoration:none;font-weight:600;font-size:15px;padding:9px 12px;border-radius:8px;white-space:nowrap}
.drop-menu a:hover{background:#F2F6FA;color:#E8603A}
.drop:hover .drop-menu,.drop:focus-within .drop-menu{display:flex}
@media (max-width:900px){
  .drop{display:block;width:100%}
  .drop-menu{position:static;transform:none;display:flex;box-shadow:none;border:none;border-left:3px solid #E8603A;border-radius:0;margin:0 0 4px;padding:2px 0 2px 14px;min-width:0;background:transparent}
  .drop-menu a{padding:7px 0;font-size:15px;white-space:normal}
}
/* Hero images: lighter wash + taller heroes (less crop) */
.hero{background-image:linear-gradient(90deg,rgba(238,244,249,.84) 0%,rgba(238,244,249,.58) 48%,rgba(238,244,249,.26) 78%,rgba(238,244,249,.14) 100%),var(--hero-img);min-height:540px;display:flex;align-items:center}
.page-hero[style*="--hero-img"]{background-image:linear-gradient(90deg,rgba(240,245,249,.82) 0%,rgba(240,245,249,.56) 55%,rgba(240,245,249,.30) 100%),var(--hero-img);min-height:290px;display:flex;align-items:center}
.hero .wrap,.page-hero .wrap{width:100%}
/* Mobile: full uncropped image band on top, text below */
@media(max-width:700px){
  .hero{background-image:var(--hero-img);background-size:100% auto;background-position:top center;background-repeat:no-repeat;background-color:#EDF2F7;min-height:0;display:block;padding:67vw 0 40px}
  .page-hero[style*="--hero-img"]{background-image:var(--hero-img);background-size:100% auto;background-position:top center;background-repeat:no-repeat;background-color:#EDF2F7;min-height:0;display:block;padding:67vw 0 26px}
}

/* Homepage: process steps + map */
.step .n{background:#E8603A}
.map-wrap{margin:26px 0 6px}
.map-wrap iframe{width:100%;height:400px;border:0;border-radius:16px;box-shadow:0 10px 30px rgba(15,42,67,.14);display:block;background:#E8EEF3}
.map-cap{margin-top:10px;font-size:15px;color:var(--muted);text-align:center}
@media(max-width:700px){.map-wrap iframe{height:300px}}