:root{--ink:#243044;--blue:#164f86;--teal:#0796a5;--light:#f4f8fb;--gold:#f2b134;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fff}
a{color:var(--blue)}.wrap{width:min(1120px,92%);margin:auto}.top{background:#103b63;color:#fff;padding:.65rem 0;font-size:.95rem}
.top a{color:#fff}.nav{display:flex;align-items:center;justify-content:space-between;gap:1rem;padding:1rem 0}.brand{font-size:1.35rem;font-weight:800;text-decoration:none;color:var(--blue)}
.navlinks{display:flex;gap:1rem;flex-wrap:wrap}.navlinks a{text-decoration:none;font-weight:700}.hero{background:linear-gradient(120deg,#eaf5fa,#fff4da);padding:4rem 0}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:2.5rem;align-items:center}h1{font-size:clamp(2.15rem,5vw,3.7rem);line-height:1.08;margin:.3rem 0 1rem;color:#123f69}
h2{font-size:clamp(1.55rem,3vw,2.2rem);line-height:1.2;color:#164f86;margin-top:0}h3{color:#164f86}
.eyebrow{color:#087d89;text-transform:uppercase;letter-spacing:.08em;font-weight:800}.lead{font-size:1.18rem}
.btn{display:inline-block;background:var(--teal);color:white;text-decoration:none;font-weight:800;padding:.8rem 1.2rem;border-radius:.45rem;margin:.35rem .4rem .35rem 0}
.btn.alt{background:var(--blue)}.hero img,.card img{width:100%;height:auto;border-radius:.75rem;display:block}.hero img{max-height:430px;object-fit:cover;box-shadow:0 18px 45px #1b456b2c}
section{padding:3.4rem 0}.soft{background:var(--light)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem}.card{background:#fff;border:1px solid #dfe8ef;border-radius:.7rem;padding:1.3rem;box-shadow:0 8px 22px #173e5a10}
.card img{height:190px;object-fit:cover;margin-bottom:1rem}.check{padding-left:1.2rem}.check li{margin:.45rem 0}.crumb{font-size:.9rem;padding:.8rem 0}
.faq details{border-bottom:1px solid #dbe4ea;padding:1rem 0}.faq summary{font-weight:800;cursor:pointer;color:#164f86}.cta{background:#164f86;color:white}.cta h2,.cta a{color:white}
footer{background:#10293e;color:white;padding:2rem 0}footer a{color:white}.links{display:flex;gap:.8rem 1.2rem;flex-wrap:wrap}
@media(max-width:760px){.hero-grid,.grid{grid-template-columns:1fr}.nav{align-items:flex-start;flex-direction:column}.hero{padding:2.7rem 0}}