:root{--navy:#0f2a3d;--navy2:#173c55;--gold:#f5b82e;--orange:#e07a1f;--sea:#5cc6d0;--ink:#1d2a33;--mut:#5b6b76;--bg:#fbf8f2;--card:#fff;--line:#e8e0d2;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Manrope,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;overflow-x:hidden}
img{max-width:100%;height:auto;display:block;border-radius:var(--r)}a{color:var(--orange)}h1,h2,h3{font-family:Fraunces,Georgia,serif;line-height:1.2;color:var(--navy)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}section{padding:48px 0}
.topbar{background:var(--navy);color:#dfe8ee;font-size:.88rem}.topbar .wrap{display:flex;justify-content:space-between;gap:10px;padding:7px 20px;flex-wrap:wrap}.topbar a{color:var(--gold);font-weight:800;text-decoration:none}
.hdr{position:sticky;top:0;z-index:50;background:#fffdf8f2;backdrop-filter:blur(8px);border-bottom:1px solid var(--line)}
.nav{display:flex;align-items:center;gap:18px;min-height:72px}.logo img{border-radius:0;width:210px}
.menu{list-style:none;display:flex;gap:4px;margin:0;padding:0}.menu>li{position:relative}.menu a{display:block;padding:10px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.93rem}.menu a:hover{color:var(--orange)}
.dd{display:flex;align-items:center}.ddt{background:none;border:0;color:var(--navy);cursor:pointer;padding:4px}
.ddm{list-style:none;margin:0;padding:8px;position:absolute;top:100%;left:0;min-width:260px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 18px 40px -18px #0f2a3d55;display:none}
.dd:hover .ddm,.dd:focus-within .ddm,.dd.open .ddm{display:block}.ddm a{padding:7px 10px;border-radius:8px}.ddm a:hover{background:var(--bg)}
.hcta{margin-left:auto;display:flex;gap:8px}
.btn{display:inline-block;white-space:nowrap;background:linear-gradient(135deg,var(--gold),var(--orange));color:var(--navy);font-weight:800;padding:10px 16px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:.9rem;letter-spacing:.02em;box-shadow:0 8px 20px -10px var(--orange)}
.btn.ghost{background:transparent;border:2px solid var(--navy);box-shadow:none}.btn.big{padding:14px 24px;font-size:1rem}.btn.light{background:#fff;color:var(--navy)}
.burger{display:none;margin-left:auto;background:none;border:0;cursor:pointer;padding:8px}.burger span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px}
.phero{position:relative;background:linear-gradient(90deg,#0f2a3df0 0%,#0f2a3db0 55%,#0f2a3d40),var(--bg) center/cover no-repeat;color:#fff;padding:90px 0}
.phero h1{color:#fff;font-size:clamp(2rem,5vw,3.6rem);max-width:760px;margin:0 0 14px}.phero p{font-size:1.15rem;max-width:620px;color:#e6eef3}.phero a:not(.btn){color:var(--gold)}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}
.why{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;margin-top:-40px;position:relative}.why div{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:18px;box-shadow:0 14px 30px -20px #0f2a3d60}.why b{color:var(--navy)}.why p{margin:4px 0 0;color:var(--mut);font-size:.92rem}
.split{display:grid;grid-template-columns:1.1fr 1fr;gap:40px;align-items:start}.alt{background:#f2ebdf}
.cards{display:grid;grid-template-columns:repeat(auto-fill,minmax(240px,1fr));gap:16px}.card{background:var(--card);border:1px solid var(--line);border-radius:var(--r);padding:20px;text-decoration:none;color:var(--ink);transition:.2s}.card:hover{transform:translateY(-3px);border-color:var(--gold);box-shadow:0 18px 30px -20px #e07a1f80}.card h3{margin:0 0 6px;font-size:1.1rem}.card p{color:var(--mut);margin:0 0 10px;font-size:.93rem}.card span{color:var(--orange);font-weight:800;font-size:.88rem}
.steps li{margin-bottom:10px}.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(280px,1fr));gap:16px}blockquote{margin:0;background:#fff;border-left:4px solid var(--gold);padding:20px;border-radius:var(--r)}cite{display:block;margin-top:10px;color:var(--mut);font-style:normal;font-weight:700}
.faq details{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:14px 18px;margin-bottom:10px}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}
.qform{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:0 20px 40px -28px #0f2a3d80;margin-top:0}.qform h2{margin-top:0}.qform label{display:block;font-weight:600;font-size:.9rem;margin-bottom:12px}.qform input,.qform select,.qform textarea{width:100%;margin-top:4px;padding:10px 12px;border:1px solid var(--line);border-radius:10px;font:inherit;background:var(--bg)}.small{font-size:.85rem;color:var(--mut)}
.prose{max-width:760px}.lead{font-size:1.15rem;color:var(--mut)}.cols{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:24px}.map{width:100%;height:280px;border:0;border-radius:var(--r)}
.band{background:var(--navy);color:#dfe8ee;text-align:center}.band h2{color:#fff}.band .ctas{justify-content:center}
.ftr{background:#0a1f2e;color:#b9c7d1;padding:48px 0 90px;font-size:.92rem}.ftr a{color:#dfe8ee;text-decoration:none}.ftr h3{color:var(--gold);font-size:1rem}.ftr ul{list-style:none;padding:0}.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:28px}.flogo{background:#fff;padding:8px;width:230px}.copy{border-top:1px solid #ffffff1a;margin-top:24px;padding-top:16px}
.mcall{display:none}
@media(max-width:1300px){.hcta .ghost{display:none}.burger{display:block;order:3;margin-left:0}.hcta{margin-left:auto}
 nav{position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);max-height:0;overflow:hidden;transition:max-height .3s}nav.open{max-height:80vh;overflow:auto}
 .menu{flex-direction:column;padding:10px 20px}.dd{flex-wrap:wrap;justify-content:space-between}.ddm{position:static;box-shadow:none;border:0;display:none;width:100%}.dd:hover .ddm,.dd:focus-within .ddm{display:none}.dd.open .ddm{display:block}}
@media(max-width:820px){.split,.fgrid{grid-template-columns:1fr}.why{grid-template-columns:1fr 1fr}.hcta{display:none}.burger{margin-left:auto}.phero{padding:60px 0}
 .mcall{display:block;position:fixed;bottom:14px;left:14px;right:14px;z-index:60;text-align:center;background:linear-gradient(135deg,var(--gold),var(--orange));color:var(--navy);font-weight:800;padding:14px;border-radius:999px;text-decoration:none;box-shadow:0 10px 30px -10px #0008}}
@media(max-width:480px){.why{grid-template-columns:1fr}.logo img{width:170px}.topbar span{display:none}}
/* Header/nav alignment + dropdown + footer fixes */
.nav{gap:14px;flex-wrap:nowrap}.logo{display:flex;align-items:center;flex-shrink:0}.logo img{display:block;height:auto}
.hdr nav{min-width:0}.menu{align-items:center;gap:2px}.menu>li{display:flex;align-items:center}
.menu a{line-height:1.2;white-space:nowrap;padding:10px 8px}
.ddt{display:inline-flex;align-items:center;justify-content:center;line-height:1;height:24px;width:20px;padding:0;font-size:.85rem;margin-left:-4px}
.ddm{z-index:70;max-height:calc(100vh - 110px);overflow:auto}.ddm a{white-space:normal}
.ddall{border-top:1px solid var(--line);margin-top:6px;padding-top:6px}.ddall a{color:var(--orange);font-weight:800}
.hcta{flex-shrink:0;align-items:center}.hcta .btn{line-height:1.2}
.fgrid{grid-template-columns:1.3fr 1fr 1fr 1fr 1fr}.ftr li{margin:0 0 6px}.fall a{color:var(--gold);font-weight:700}
@media(max-width:1300px){.hcta .ghost{display:inline-block}.menu{align-items:stretch}.menu>li{display:block}.menu>li.dd{display:flex;flex-wrap:wrap;justify-content:space-between;align-items:center}.dd>a{flex:1}.menu a{white-space:normal}.ddt{height:36px;width:36px;font-size:1rem;margin:0}.ddm{max-height:none;overflow:visible}}
@media(max-width:1100px){.fgrid{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:820px){.hcta{display:flex}.hcta .btn{padding:8px 12px;font-size:.82rem}.burger{margin-left:0}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.fgrid{grid-template-columns:1fr}.hcta .btn{padding:7px 10px;font-size:.78rem}.logo img{width:150px}.nav{gap:8px}}