:root{--navy:#0f2a4a;--navy2:#173a63;--orange:#f66a16;--ink:#1b2430;--mut:#5a6573;--bg:#f5f7fa;--line:#dfe5ec;--w:1140px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:#fff;padding-bottom:64px}
img{max-width:100%;height:auto;display:block}a{color:#0b5cad}a:hover{color:#08406f}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .5em}h1{font-size:clamp(1.8rem,5vw,2.7rem)}h2{font-size:clamp(1.45rem,3.5vw,2rem);margin-top:1.6em}h3{font-size:1.15rem}
p{margin:0 0 1em}.wrap{max-width:var(--w);margin:0 auto;padding:0 18px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
.topbar{background:var(--navy);color:#dfe8f3;font-size:.85rem}.topbar .wrap{display:flex;justify-content:space-between;gap:12px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;font-weight:700;text-decoration:none}.topbar .tl{display:none}
.hdr{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;min-height:64px;gap:10px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:800;line-height:1.1}.logo img{border-radius:8px}
.logo small{display:block;font-weight:600;color:var(--mut);font-size:.7rem;letter-spacing:.06em;text-transform:uppercase}
.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:8px 18px 16px}
.nav.open{display:block}.nav a{display:block;padding:11px 0;color:var(--ink);text-decoration:none;font-weight:600;border-bottom:1px solid #eef1f5}
.nav a[aria-current]{color:var(--orange)}.burger{background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;font-weight:700;color:var(--navy)}
.btn{display:inline-block;background:var(--orange);color:var(--navy);font-weight:800;text-decoration:none;padding:13px 22px;border-radius:8px;border:2px solid var(--orange);cursor:pointer;font-size:1rem;text-align:center}
.btn:hover{background:#ff7f33;color:var(--navy)}.btn.ghost{background:transparent;color:#fff;border-color:#fff}.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn.dark{background:var(--navy);border-color:var(--navy);color:#fff}.btn.dark:hover{background:var(--navy2);color:#fff}.hdr .btn{padding:9px 14px;font-size:.92rem}
.crumbs{background:var(--bg);font-size:.88rem;border-bottom:1px solid var(--line)}.crumbs ol{list-style:none;margin:0;padding:10px 0;display:flex;flex-wrap:wrap;gap:6px}.crumbs li+li:before{content:"/";margin-right:6px;color:#9aa5b1}
.hero{position:relative;background:var(--navy);color:#fff;overflow:hidden}.hero>img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;opacity:.32}
.hero .wrap{position:relative;padding-top:38px;padding-bottom:38px;display:grid;gap:26px}.hero h1{color:#fff}.hero p.lead{font-size:1.08rem;color:#e6eef8;max-width:640px}
.hero ul{list-style:none;padding:0;margin:16px 0 0;display:grid;gap:6px;color:#e6eef8;font-size:.95rem}.hero li:before{content:"✓ ";color:var(--orange);font-weight:800}
.cta-row{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:20px}.formcard{color:var(--ink);box-shadow:0 8px 28px rgba(8,25,48,.18)}
.formcard h2,.formcard h3{margin:0 0 4px;font-size:1.25rem}.formcard p{color:var(--mut);font-size:.92rem;margin-bottom:12px}
label{display:block;font-weight:700;font-size:.88rem;margin:10px 0 4px;color:var(--navy)}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid #b9c4d0;border-radius:8px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus,.btn:focus,a:focus,summary:focus,.burger:focus{outline:3px solid #7fb4ee;outline-offset:2px}
textarea{min-height:84px;resize:vertical}.formcard .btn{width:100%;margin-top:14px}.hp{position:absolute;left:-9999px}.fine{font-size:.78rem;color:var(--mut);margin:8px 0 0}
section{padding:6px 0}.band{background:var(--bg);padding:34px 0;margin-top:34px}.band h2:first-child{margin-top:0}
.strip{background:#fff;border-bottom:1px solid var(--line)}.strip .wrap{display:grid;grid-template-columns:1fr 1fr;gap:10px;padding-top:14px;padding-bottom:14px;font-weight:700;color:var(--navy);font-size:.9rem}
.grid{display:grid;gap:16px}.svc{overflow:hidden;padding:0}.svc img{aspect-ratio:3/2;object-fit:cover;width:100%}.svc div{padding:14px 16px 18px}.svc h3{margin-bottom:6px}.svc h3 a{text-decoration:none;color:var(--navy)}.svc p{font-size:.93rem;color:var(--mut);margin:0}
.chips{display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:12px 0;list-style:none}.chips a,.chips span{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:999px;padding:7px 14px;text-decoration:none;font-weight:600;font-size:.92rem}.chips a:hover{border-color:var(--orange)}
.steps{counter-reset:s;display:grid;gap:14px;padding:0;list-style:none}.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:16px 16px 16px 58px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:14px;top:14px;width:32px;height:32px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center}.steps strong{display:block;color:var(--navy)}
.checks{padding:0;list-style:none}.checks li{padding-left:26px;position:relative;margin-bottom:8px}.checks li:before{content:"✓";position:absolute;left:0;color:#1a7f4b;font-weight:800}
details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px}summary{cursor:pointer;font-weight:700;padding:14px 16px;color:var(--navy)}details p{padding:0 16px;margin:0 0 14px}
.cols{display:grid;gap:26px;margin-top:28px}.side .card{position:static}.prose img{border-radius:12px;margin:0 0 20px}
.cta{background:var(--navy);color:#fff;border-radius:14px;padding:26px;margin:34px 0;text-align:center}.cta h2{color:#fff;margin:0 0 6px}.cta p{color:#dfe8f3}.cta .cta-row{justify-content:center}
.callout{border-left:4px solid var(--orange);background:#fff7f0;padding:14px 18px;border-radius:0 10px 10px 0;margin:20px 0}
.ft{background:#0a1e36;color:#b9c7d8;margin-top:40px;padding:34px 0 20px;font-size:.92rem}.ft h3{color:#fff;font-size:1rem}.ft a{color:#d6e2f0;text-decoration:none}.ft a:hover{text-decoration:underline}
.ft ul{list-style:none;padding:0;margin:0}.ft li{margin-bottom:5px}.ft .fg{display:grid;gap:22px}.ft .legal{border-top:1px solid #20395a;margin-top:24px;padding-top:14px;font-size:.82rem}
.callbar{position:fixed;left:0;right:0;bottom:0;display:flex;gap:8px;padding:8px;background:#fff;border-top:1px solid var(--line);z-index:30}.callbar .btn{flex:1;padding:12px 8px}
.meta{color:var(--mut);font-size:.9rem}
@media(min-width:760px){.topbar .tl{display:inline}.strip .wrap{grid-template-columns:repeat(4,1fr)}.grid.c2{grid-template-columns:1fr 1fr}.grid.c3{grid-template-columns:repeat(3,1fr)}.ft .fg{grid-template-columns:1.3fr 1.2fr 1fr 1fr}.steps.s4{grid-template-columns:repeat(2,1fr)}}
@media(min-width:960px){body{padding-bottom:0}.callbar{display:none}.burger{display:none}.nav{display:flex!important;position:static;border:0;padding:0;gap:20px;align-items:center}.nav a{border:0;padding:6px 0;font-size:.95rem}
.hero .wrap{grid-template-columns:1.25fr 1fr;align-items:center;padding-top:56px;padding-bottom:56px}.cols{grid-template-columns:1fr 340px;align-items:start}.side{position:sticky;top:84px}.steps.s4{grid-template-columns:repeat(4,1fr)}.steps li{padding:56px 14px 14px}.steps li:before{left:14px;top:14px}}

/* Services dropdown (added 2026-10-27) */
.dd{display:block}
.dd>a::after{content:"\25BE";margin-left:5px;font-size:.78em;color:var(--orange)}
.dd-panel{display:block;padding:2px 0 4px 14px}
.dd-panel a{border-bottom:0;padding:7px 0;font-size:.94rem}
@media(min-width:760px){
.dd{position:relative;display:inline-block}
.dd-panel{display:none;position:absolute;top:100%;left:-10px;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:10px;box-shadow:0 12px 28px rgba(10,35,65,.14);padding:8px;z-index:40}
.dd:hover .dd-panel,.dd:focus-within .dd-panel{display:block}
.dd-panel a{display:block;padding:8px 10px;border:0;font-size:.94rem;white-space:nowrap}
.dd-panel a:hover{background:var(--bg);color:var(--navy)}
}