:root{
  --navy:#0b2540;
  --navy-light:#123761;
  --accent:#d4611f;
  --accent-dark:#b34e14;
  --ink:#1c2733;
  --muted:#5a6772;
  --bg:#ffffff;
  --bg-alt:#f4f6f8;
  --border:#e2e6ea;
}
*{box-sizing:border-box}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:var(--bg)}
a{color:var(--accent-dark)}
a:hover{color:var(--accent)}
img{max-width:100%}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header.site{background:var(--navy);color:#fff}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding:16px 20px;flex-wrap:wrap;gap:12px}
.brand{font-size:1.3rem;font-weight:700;color:#fff;text-decoration:none}
.brand span{color:var(--accent)}
nav.main a{color:#dce6f0;text-decoration:none;margin-left:22px;font-weight:600;font-size:.95rem}
nav.main a:hover{color:#fff}
.phone-badge{background:var(--accent);color:#fff;padding:8px 16px;border-radius:6px;font-weight:700;text-decoration:none;white-space:nowrap}
.phone-badge:hover{background:var(--accent-dark);color:#fff}
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-light) 100%);color:#fff;padding:64px 0}
.hero h1{font-size:2.4rem;margin:0 0 16px;max-width:820px}
.hero p.lead{font-size:1.15rem;max-width:680px;color:#dce6f0}
.hero .cta-row{margin-top:28px;display:flex;gap:14px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 26px;border-radius:6px;font-weight:700;text-decoration:none}
.btn-primary{background:var(--accent);color:#fff}
.btn-primary:hover{background:var(--accent-dark);color:#fff}
.btn-secondary{background:transparent;color:#fff;border:2px solid #ffffff66}
.btn-secondary:hover{border-color:#fff}
main{padding:56px 0}
section{margin-bottom:48px}
h2{font-size:1.7rem;color:var(--navy);margin-top:0}
h3{font-size:1.2rem;color:var(--navy)}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.card{border:1px solid var(--border);border-radius:8px;padding:22px;background:var(--bg-alt)}
.card h3{margin-top:0}
.card a.card-link{font-weight:700;text-decoration:none}
.faq-item{border-bottom:1px solid var(--border);padding:18px 0}
.faq-item:last-child{border-bottom:none}
.faq-item h3{margin:0 0 8px}
ul.checklist{list-style:none;padding:0;margin:0}
ul.checklist li{padding-left:28px;position:relative;margin-bottom:10px}
ul.checklist li:before{content:"✓";position:absolute;left:0;color:var(--accent);font-weight:700}
.callout{background:var(--bg-alt);border-left:4px solid var(--accent);padding:18px 22px;border-radius:4px}
.areas-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.breadcrumb{font-size:.85rem;color:var(--muted);margin-bottom:18px}
.breadcrumb a{color:var(--muted);text-decoration:none}
.breadcrumb a:hover{text-decoration:underline}
footer.site{background:var(--navy);color:#cdd8e3;padding:40px 0 24px;font-size:.92rem}
footer.site h4{color:#fff;margin-bottom:10px}
footer.site a{color:#cdd8e3;text-decoration:none}
footer.site a:hover{color:#fff}
.footer-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px;margin-bottom:24px}
.footer-bottom{border-top:1px solid #ffffff22;padding-top:18px;font-size:.82rem;color:#9fb0c1}
.disclosure{font-size:.78rem;color:#8ea0b3;margin-top:6px}
@media (max-width:640px){.hero h1{font-size:1.8rem}nav.main{display:none}}