:root{
  --navy:#0b1f33;
  --blue:#1479c9;
  --ice:#eaf6ff;
  --orange:#f28b22;
  --white:#fff;
  --text:#17212b;
  --muted:#5c6874;
  --border:#dbe4ec;
  --shadow:0 14px 40px rgba(11,31,51,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit}
.container{width:min(1120px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.94rem}
.topbar .container{display:flex;justify-content:space-between;gap:16px;padding:8px 0;flex-wrap:wrap}
header{position:sticky;top:0;z-index:10;background:rgba(255,255,255,.96);border-bottom:1px solid var(--border);backdrop-filter:blur(10px)}
nav{display:flex;align-items:center;justify-content:space-between;gap:24px;padding:14px 0}
.brand{font-size:1.45rem;font-weight:900;text-decoration:none;letter-spacing:.3px;color:var(--navy)}
.brand span{color:var(--blue)}
.navlinks{display:flex;gap:20px;align-items:center;flex-wrap:wrap}
.navlinks a{text-decoration:none;font-weight:700;font-size:.95rem}
.btn{display:inline-block;text-decoration:none;font-weight:800;border-radius:10px;padding:13px 18px;border:2px solid transparent;cursor:pointer}
.btn-primary{background:var(--orange);color:#111}
.btn-secondary{background:#fff;color:var(--navy);border-color:#fff}
.btn-outline{border-color:var(--blue);color:var(--blue);background:#fff}
.hero{background:linear-gradient(120deg,var(--navy),#123e63 70%,#155989);color:#fff;padding:82px 0 72px}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:38px;align-items:center}
.eyebrow{text-transform:uppercase;font-weight:900;letter-spacing:.14em;font-size:.78rem;color:#bfe5ff}
h1{font-size:clamp(2.25rem,5vw,4.4rem);line-height:1.03;margin:.25em 0}
.hero p{font-size:1.15rem;max-width:720px;color:#e8f3fb}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.hero-card{background:#fff;color:var(--text);padding:26px;border-radius:18px;box-shadow:var(--shadow)}
.hero-card h2{margin-top:0;color:var(--navy)}
.hero-card ul{padding-left:20px}
section{padding:70px 0}
.section-title{max-width:760px;margin-bottom:28px}
.section-title h2{font-size:clamp(1.8rem,3vw,2.65rem);line-height:1.15;margin:0 0 10px;color:var(--navy)}
.section-title p{color:var(--muted);margin:0}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{border:1px solid var(--border);border-radius:16px;padding:24px;background:#fff;box-shadow:0 8px 24px rgba(11,31,51,.06)}
.card h3{margin-top:0;color:var(--navy)}
.card p{color:var(--muted)}
.band{background:var(--ice)}
.area-card{background:linear-gradient(135deg,#fff,#f7fbfe)}
.checks{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}
.check{background:#fff;border:1px solid var(--border);padding:14px 16px;border-radius:12px;font-weight:700}
.cta-band{background:var(--blue);color:#fff;border-radius:20px;padding:34px}
.cta-band h2{margin-top:0;color:#fff}
form{display:grid;gap:14px}
label{font-weight:800}
input,textarea,select{width:100%;padding:13px 14px;border:1px solid #c7d2dc;border-radius:9px;font:inherit}
textarea{min-height:120px;resize:vertical}
.small{font-size:.86rem;color:var(--muted)}
footer{background:var(--navy);color:#dbe8f2;padding:38px 0}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:28px}
.breadcrumb{font-size:.9rem;margin-bottom:18px;color:#d9ecfb}
.content{max-width:820px}
.content h2{color:var(--navy);margin-top:34px}
.kicker{font-weight:900;color:var(--orange)}
.notice{border-left:4px solid var(--orange);background:#fff8ef;padding:14px 16px;margin:20px 0}
.phone-strip{position:fixed;bottom:0;left:0;right:0;background:var(--orange);z-index:20;text-align:center;padding:10px;display:none}
.phone-strip a{text-decoration:none;font-weight:900}
@media(max-width:820px){
  .hero-grid,.grid3,.grid2,.footer-grid{grid-template-columns:1fr}
  .checks{grid-template-columns:1fr}
  .navlinks a:not(.btn){display:none}
  .hero{padding-top:54px}
  body{padding-bottom:52px}
  .phone-strip{display:block}
}


.fact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin:26px 0}
.fact{border:1px solid var(--border);border-radius:16px;padding:22px;background:#fff}
.fact strong{display:block;font-size:1.65rem;line-height:1.05;color:var(--blue);margin-bottom:8px}
.fact p{margin:0;color:var(--muted)}
.callout{background:linear-gradient(135deg,#edf8ff,#fff7ed);border:1px solid var(--border);border-radius:18px;padding:26px;margin:26px 0}
.callout h3{margin-top:0;color:var(--navy)}
.source-note{font-size:.82rem;color:var(--muted);margin-top:18px}
.source-note a{color:var(--blue)}
@media(max-width:820px){.fact-grid{grid-template-columns:1fr}}