:root{--navy:#13294b;--navy2:#1d3a66;--gold:#8a6114;--gold2:#f3e7cf;--ink:#1c2430;--mute:#55606e;--line:#dde3ea;--bg:#f7f8fa;--ok:#1d7a46;--err:#b42318;--r:12px}
*{box-sizing:border-box}[id]{scroll-margin-top:12px}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff}
a{color:var(--navy2)}a:hover{color:var(--gold)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
img,svg{max-width:100%}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:20}.skip:focus{left:8px}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff;position:relative;z-index:10}
@media(min-width:880px){header.site{position:sticky;top:0}[id]{scroll-margin-top:120px}}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:60px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:700;letter-spacing:.2px}
.brand:hover{color:#fff}.brand small{display:block;font-weight:400;font-size:12px;opacity:.8;letter-spacing:.3px}
.brand svg{flex:none}
.hdr-call{color:#fff;text-decoration:none;border:1px solid rgba(255,255,255,.45);padding:7px 12px;border-radius:999px;font-weight:600;font-size:15px;white-space:nowrap}
.hdr-call:hover{color:var(--navy);background:#fff}
nav.main{background:var(--navy2)}
nav.main ul{list-style:none;margin:0;padding:0 12px;display:flex;gap:2px;overflow-x:auto;scrollbar-width:none;max-width:1080px;margin:0 auto}
nav.main ul::-webkit-scrollbar{display:none}
nav.main a{display:block;color:#fff;text-decoration:none;padding:10px 10px;font-size:15px;white-space:nowrap;opacity:.92}
nav.main a[aria-current]{box-shadow:inset 0 -3px 0 var(--gold);opacity:1}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 70%);color:#fff;padding:44px 0 40px}
.hero h1{font-size:clamp(28px,6vw,44px);line-height:1.15;margin:0 0 12px}
.hero p.lead{font-size:clamp(17px,2.6vw,20px);opacity:.92;max-width:680px;margin:0 0 22px}
.kicker{display:inline-block;font-size:13px;letter-spacing:.8px;text-transform:uppercase;color:var(--gold2);margin-bottom:10px}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:14px 20px;border-radius:10px;font-weight:700;text-decoration:none;border:0;cursor:pointer;font-size:17px;min-height:48px}
.btn.gold{background:var(--gold);color:#fff}.btn.gold:hover{background:#6f4d0e;color:#fff}
.btn.white{background:#fff;color:var(--navy)}.btn.white:hover{background:var(--gold2);color:var(--navy)}
.btn.line{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.6)}.btn.line:hover{background:rgba(255,255,255,.12);color:#fff}
.btn.navy{background:var(--navy);color:#fff}.btn.navy:hover{background:var(--navy2);color:#fff}
.btn.block{width:100%}
.ctas{display:flex;flex-wrap:wrap;gap:10px}
section{padding:40px 0}section.alt{background:var(--bg)}
h2{font-size:clamp(23px,4vw,30px);line-height:1.25;margin:0 0 14px;color:var(--navy)}
h3{font-size:19px;margin:0 0 6px;color:var(--navy)}
.grid{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
a.card{display:block;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s}
a.card:hover{border-color:var(--gold);transform:translateY(-2px);color:var(--ink)}
a.card .go{color:var(--gold);font-weight:700}
.card p{margin:6px 0 0;color:var(--mute)}
.ico{width:40px;height:40px;border-radius:10px;background:var(--gold2);display:flex;align-items:center;justify-content:center;margin-bottom:10px;color:var(--navy);font-weight:800}
.two-col{display:grid;gap:28px;grid-template-columns:1fr}
@media(min-width:880px){.two-col{grid-template-columns:1.1fr .9fr;align-items:start}}
.prose{max-width:720px}.prose li{margin:6px 0}
.note{background:var(--gold2);border-left:4px solid var(--gold);padding:14px 16px;border-radius:8px;margin:18px 0;font-size:16px}
.help{background:#eef4fb;border-left:4px solid var(--navy2);padding:14px 16px;border-radius:8px;margin:18px 0}
.steps{counter-reset:s;list-style:none;padding:0}.steps li{counter-increment:s;padding-left:44px;position:relative;margin:14px 0}
.steps li::before{content:counter(s);position:absolute;left:0;top:0;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:flex;align-items:center;justify-content:center;font-weight:700;font-size:15px}
table.data{border-collapse:collapse;width:100%;font-size:15px;background:#fff}
table.data th,table.data td{border-bottom:1px solid var(--line);padding:9px 8px;text-align:left;vertical-align:top}
table.data th{color:var(--mute);font-weight:600;font-size:13px;text-transform:uppercase;letter-spacing:.4px}
.tscroll{overflow-x:auto;-webkit-overflow-scrolling:touch}
.src{font-size:13px;color:var(--mute)}
/* form */
form.lead{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px;box-shadow:0 6px 24px rgba(19,41,75,.07)}
form.lead h2{font-size:22px}
.field{display:block;margin:0 0 14px}.field span{display:block;font-weight:600;font-size:15px;margin-bottom:5px}
.field input,.field select,.field textarea{width:100%;font:inherit;font-size:16px;padding:12px;border:1px solid #c6cfda;border-radius:9px;background:#fff;color:var(--ink)}
.field textarea{min-height:96px;resize:vertical}
.field input:focus,.field select:focus,.field textarea:focus{border-color:var(--navy2);outline:2px solid rgba(29,58,102,.25)}
.row2{display:grid;gap:0 12px;grid-template-columns:1fr}@media(min-width:520px){.row2{grid-template-columns:1fr 1fr}}
.consent{display:flex;gap:10px;align-items:flex-start;font-size:13px;line-height:1.45;color:var(--mute);margin:6px 0 14px}
.consent input{width:22px;height:22px;flex:none;margin-top:2px;accent-color:var(--navy)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.ferr{color:var(--err);font-weight:600;min-height:1em;margin:0 0 10px}
.fine{font-size:13px;color:var(--mute);margin:10px 0 0}
.okbox{border:1px solid #b7e0c6;background:#effaf3;border-radius:var(--r);padding:20px}
.okbox h2{color:var(--ok)}
.hidden{display:none!important}
/* recent sales */
.sales-tool{display:flex;gap:8px;flex-wrap:wrap;margin:10px 0}.sales-tool input{flex:1 1 140px;font:inherit;padding:12px;border:1px solid #c6cfda;border-radius:9px}
.stat{font-size:28px;font-weight:800;color:var(--navy);line-height:1.1}
.stat small{display:block;font-size:13px;font-weight:600;color:var(--mute);text-transform:uppercase;letter-spacing:.4px;margin-top:4px}
/* footer */
footer.site{background:#0e1f3a;color:#d5dbe4;font-size:15px;padding:34px 0 90px}
footer.site a{color:#fff}footer.site h2{color:#fff;font-size:17px;margin:0 0 8px}
footer.site .cols{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:5px 0}
.fh{display:flex;gap:12px;align-items:center;margin-top:20px;padding-top:18px;border-top:1px solid rgba(255,255,255,.15);flex-wrap:wrap}
.fh svg{flex:none}.fh p{margin:0;font-size:16px}
.legal{font-size:13px;color:#aeb8c6;margin-top:14px}
.callbar{position:fixed;left:0;right:0;bottom:0;display:flex;gap:8px;padding:10px 12px calc(10px + env(safe-area-inset-bottom));background:rgba(255,255,255,.97);border-top:1px solid var(--line);z-index:15}
.callbar a{flex:1;padding:12px 8px;min-height:46px;font-size:16px}
@media(min-width:880px){.callbar{display:none}footer.site{padding-bottom:34px}}
.crumbs{font-size:14px;margin:0 0 8px;opacity:.85}.crumbs a{color:#fff}

.stats{display:grid;gap:10px;grid-template-columns:repeat(2,1fr);margin:10px 0 18px}.stats .card{padding:14px}.stats .stat{font-size:22px}
@media(max-width:519px){.hero .ctas .btn{flex:1 1 100%}}