:root{
--navy:#102a50;--navy2:#081a30;--blue:#21639f;--gold:#b58a32;
--text:#28333d;--muted:#687887;--line:#dce2e7;--bg:#f4f6f8;--white:#fff
}
*{box-sizing:border-box}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1160px,calc(100% - 40px));margin:auto}
.utility{background:var(--navy2);color:#cbd6e0;font-size:12px}
.utility .container{display:flex;justify-content:space-between;padding:8px 0}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.head{height:88px;display:flex;align-items:center;justify-content:space-between;gap:30px}
.logo{font-weight:700;letter-spacing:1.8px;color:var(--navy);font-size:21px;line-height:1.05}
.logo small{display:block;font-size:9px;letter-spacing:2.5px;color:var(--muted);margin-top:6px}
nav{display:flex;gap:24px;font-size:13px;font-weight:700}
nav a{color:#354653}
.hero{background:linear-gradient(90deg,rgba(8,26,48,.95),rgba(16,42,80,.82)),url('https://images.unsplash.com/photo-1497366754035-f200968a6e72?auto=format&fit=crop&w=1800&q=80') center/cover;color:#fff}
.hero .container{padding:92px 0}
.kicker{text-transform:uppercase;letter-spacing:2px;font-size:11px;font-weight:700;color:#d9e4ee}
h1{font-size:clamp(40px,6vw,68px);line-height:1.04;font-weight:500;margin:12px 0 20px}
.hero p{max-width:700px;font-size:18px;color:#e5edf4}
.btn{display:inline-block;background:#fff;color:var(--navy);padding:12px 20px;font-size:13px;font-weight:700;margin-top:12px}
.section{padding:68px 0}
.gray{background:var(--bg);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{color:var(--navy);font-size:32px;font-weight:500;line-height:1.2;margin:0 0 10px}
.lead{color:var(--muted);max-width:760px}
.stats{display:grid;grid-template-columns:repeat(4,1fr);margin-top:38px;border:1px solid var(--line);background:#fff}
.stat{text-align:center;padding:27px 12px;border-right:1px solid var(--line)}
.stat:last-child{border:0}
.stat strong{display:block;color:var(--navy);font-size:30px;font-weight:500}
.stat span{font-size:10px;color:var(--muted);letter-spacing:1.2px;text-transform:uppercase}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:32px}
.card{background:#fff;border:1px solid var(--line);padding:28px;min-height:190px}
.card h3{color:var(--navy);font-size:17px;margin:0 0 9px}
.card p{font-size:13px;color:var(--muted);margin:0}
.band{background:var(--navy);color:#fff}
.band h2{color:#fff}.band p{color:#d6e0e9}
.quote{border-left:4px solid var(--gold);padding:8px 0 8px 22px;margin:28px 0;color:#52616d;font-size:18px}
.breadcrumb{font-size:12px;color:var(--muted);padding:18px 0}
.faq{border-top:1px solid var(--line);margin-top:28px}
details{border-bottom:1px solid var(--line);padding:20px 0}
summary{cursor:pointer;color:var(--navy);font-weight:700}
details p{color:var(--muted);font-size:14px;max-width:850px}
table{width:100%;border-collapse:collapse;margin-top:26px;background:#fff}
th,td{text-align:left;border:1px solid var(--line);padding:14px;font-size:13px}
th{background:var(--navy);color:#fff;font-weight:600}
.callout{background:#eef3f7;border:1px solid #d6e0e8;padding:28px;margin-top:28px}
.phone{font-size:30px;color:var(--navy);letter-spacing:1px;font-weight:600}
footer{background:var(--navy2);color:#9eafbe;padding:52px 0 25px;font-size:12px}
.footergrid{display:grid;grid-template-columns:2fr repeat(3,1fr);gap:35px}
footer h4{color:#dfe7ee;text-transform:uppercase;letter-spacing:1px;font-size:11px}
footer a{color:#9eafbe}
.legal{border-top:1px solid #233850;margin-top:35px;padding-top:18px}
.notice{background:#e9eef2;border-bottom:1px solid #d3dce3;padding:10px 0;font-size:12px;color:#53616d}
@media(max-width:800px){nav{display:none}.stats,.grid{grid-template-columns:1fr 1fr}.footergrid{grid-template-columns:1fr 1fr}.hero .container{padding:65px 0}}
@media(max-width:520px){.container{width:calc(100% - 26px)}.stats,.grid,.footergrid{grid-template-columns:1fr}.stat{border-right:0;border-bottom:1px solid var(--line)}.stat:last-child{border-bottom:0}}