:root{
  --navy:#102a43;
  --navy2:#163b5c;
  --green:#2f7d57;
  --green2:#3f9468;
  --ink:#17212b;
  --muted:#66717c;
  --bg:#f6f8f9;
  --card:#ffffff;
  --line:#dfe5e9;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}
a{color:inherit}
.container{width:min(1120px,92%);margin:0 auto}
.topbar{background:var(--navy);color:#fff;font-size:.93rem}
.topbar .container{display:flex;justify-content:flex-end;gap:1.25rem;padding:.55rem 0;flex-wrap:wrap}
.topbar a{text-decoration:none}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
nav{display:flex;align-items:center;justify-content:space-between;gap:2rem;padding:.8rem 0}
.brand img{height:62px;width:auto;display:block}
.navlinks{display:flex;align-items:center;gap:1.4rem;flex-wrap:wrap}
.navlinks a{text-decoration:none;font-weight:700;font-size:.95rem;color:var(--navy)}
.btn{display:inline-block;background:var(--green);color:#fff;text-decoration:none;font-weight:700;padding:.82rem 1.15rem;border-radius:6px;border:2px solid var(--green)}
.btn:hover{background:var(--green2);border-color:var(--green2)}
.btn.secondary{background:transparent;color:#fff;border-color:#fff}
.hero{background:linear-gradient(120deg,rgba(16,42,67,.97),rgba(22,59,92,.91));color:#fff;padding:5.3rem 0 4.8rem}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:3rem;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:.78rem;font-weight:800;color:#bfe1cf}
h1{font-size:clamp(2.25rem,5vw,4.1rem);line-height:1.06;margin:.6rem 0 1rem;max-width:850px}
.hero p{font-size:1.13rem;max-width:760px;color:#e4edf3;margin:0 0 1.6rem}
.hero-actions{display:flex;gap:.8rem;flex-wrap:wrap}
.hero-card{background:#fff;color:var(--ink);border-radius:10px;padding:1.5rem;box-shadow:0 18px 45px rgba(0,0,0,.22)}
.hero-card h3{margin-top:0;color:var(--navy)}
.checks{padding:0;margin:0;list-style:none}
.checks li{padding:.48rem 0;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.checks li:before{content:'✓';color:var(--green);font-weight:900;margin-right:.55rem}
section{padding:4.3rem 0}
section.alt{background:var(--bg)}
.section-head{max-width:760px;margin-bottom:2rem}
.section-head h2{font-size:clamp(1.8rem,3vw,2.6rem);color:var(--navy);margin:.3rem 0 .7rem}
.section-head p{color:var(--muted);margin:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:1.35rem;box-shadow:0 4px 18px rgba(16,42,67,.05)}
.card h3{color:var(--navy);margin:.15rem 0 .5rem;font-size:1.08rem}
.card p{margin:0;color:var(--muted)}
.kicker{font-size:2rem;font-weight:900;color:var(--green);line-height:1;margin-bottom:.7rem}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:2rem;align-items:start}
.list{margin:.2rem 0 0;padding-left:1.15rem}
.list li{margin:.5rem 0}
.band{background:var(--navy);color:#fff}
.band h2{color:#fff}
.contact-card{background:#fff;border-radius:10px;padding:1.5rem;color:var(--ink)}
.contact-row{margin:.55rem 0}
.contact-row strong{display:block;color:var(--navy)}
.contact-card a{color:var(--green);font-weight:700;text-decoration:none}
.notice{font-size:.9rem;color:var(--muted);background:#f8fafb;border:1px solid var(--line);border-radius:8px;padding:1rem}
footer{background:#0b2034;color:#d7e3ec;padding:2rem 0}
footer .container{display:flex;justify-content:space-between;gap:1rem;flex-wrap:wrap;align-items:center}
footer a{color:#d7e3ec}
.legal{padding:3rem 0}
.legal h1{color:var(--navy);font-size:2.3rem}
.legal h2{color:var(--navy);margin-top:2rem}
.legal p,.legal li{color:#3f4b55}
@media(max-width:820px){
  .hero-grid,.two-col,.grid3{grid-template-columns:1fr}
  .navlinks a:not(.btn){display:none}
  .brand img{height:50px}
  .hero{padding:4rem 0}
  .topbar .container{justify-content:center}
}