:root {
  color-scheme: light;
  --navy: #08334f;
  --blue: #0b74b8;
  --teal: #0f9f9a;
  --pale: #eaf7fb;
  --soft: #f6fbfd;
  --ink: #173247;
  --muted: #5d7282;
  --line: #d7e8ef;
  --warn: #fff4d8;
  --warn-border: #f0c45d;
  --white: #ffffff;
  --shadow: 0 18px 45px rgba(8, 51, 79, 0.12);
  --radius: 22px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
  color: var(--ink);
  background: linear-gradient(180deg, #f4fbff 0%, #ffffff 42%);
  line-height: 1.65;
}
a { color: var(--blue); text-decoration: none; }
a:hover { text-decoration: underline; }
.container { width: min(1120px, calc(100% - 32px)); margin: 0 auto; }
.site-header {
  position: sticky;
  top: 0;
  z-index: 10;
  background: rgba(255,255,255,0.94);
  backdrop-filter: blur(14px);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; gap: 18px; padding: 14px 0; }
.brand { display: flex; align-items: center; gap: 10px; font-weight: 800; color: var(--navy); letter-spacing: -0.02em; }
.logo-mark { width: 38px; height: 38px; border-radius: 13px; background: linear-gradient(135deg, var(--blue), var(--teal)); display: grid; place-items: center; color: white; font-weight: 900; }
.nav-links { display: none; gap: 18px; align-items: center; font-size: 0.95rem; }
.phone-pill, .btn { display: inline-flex; align-items: center; justify-content: center; gap: 8px; border-radius: 999px; font-weight: 800; }
.phone-pill { padding: 9px 13px; color: var(--navy); border: 1px solid var(--line); background: var(--white); }
.btn { padding: 13px 20px; background: var(--blue); color: var(--white); box-shadow: 0 10px 22px rgba(11,116,184,.2); }
.btn:hover { background: #075f98; text-decoration: none; }
.btn.secondary { background: var(--white); color: var(--navy); border: 1px solid var(--line); box-shadow: none; }
.hero { padding: 52px 0 32px; }
.hero-grid { display: grid; gap: 26px; align-items: center; }
.eyebrow { display: inline-flex; width: fit-content; padding: 7px 12px; border-radius: 999px; background: var(--pale); color: var(--navy); font-weight: 800; font-size: .88rem; }
h1, h2, h3 { line-height: 1.12; color: var(--navy); letter-spacing: -0.035em; margin: 0 0 14px; }
h1 { font-size: clamp(2.25rem, 8vw, 4.8rem); }
h2 { font-size: clamp(1.7rem, 5vw, 2.7rem); }
h3 { font-size: 1.25rem; }
p { margin: 0 0 16px; }
.lead { font-size: clamp(1.05rem, 3vw, 1.28rem); color: #35566b; max-width: 760px; }
.hero-card { background: var(--white); border: 1px solid var(--line); border-radius: var(--radius); padding: 24px; box-shadow: var(--shadow); }
.quick-list { display: grid; gap: 12px; margin: 18px 0 0; padding: 0; list-style: none; }
.quick-list li { display: flex; gap: 10px; align-items: flex-start; }
.check { flex: 0 0 24px; width: 24px; height: 24px; border-radius: 50%; background: var(--pale); color: var(--teal); display: grid; place-items: center; font-weight: 900; }
.notice, .warning { border-radius: 18px; padding: 16px 18px; margin: 20px 0; }
.notice { background: #edf9ff; border: 1px solid #c9e9f7; }
.warning { background: var(--warn); border: 1px solid var(--warn-border); }
.section { padding: 42px 0; }
.section.alt { background: var(--soft); border-block: 1px solid var(--line); }
.grid { display: grid; gap: 18px; }
.cards { grid-template-columns: repeat(auto-fit, minmax(230px, 1fr)); }
.card { background: var(--white); border: 1px solid var(--line); border-radius: 20px; padding: 22px; box-shadow: 0 8px 20px rgba(8, 51, 79, 0.06); }
.card-link { color: inherit; display: block; height: 100%; }
.card-link:hover { transform: translateY(-2px); text-decoration: none; }
.steps { counter-reset: step; }
.step { position: relative; padding-left: 56px; }
.step::before { counter-increment: step; content: counter(step); position: absolute; left: 0; top: 0; width: 38px; height: 38px; border-radius: 14px; background: linear-gradient(135deg, var(--blue), var(--teal)); color: white; display: grid; place-items: center; font-weight: 900; }
.faq details { background: var(--white); border: 1px solid var(--line); border-radius: 16px; padding: 16px 18px; }
.faq details + details { margin-top: 10px; }
.faq summary { cursor: pointer; font-weight: 800; color: var(--navy); }
.link-cloud { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 16px; }
.link-cloud a { border: 1px solid var(--line); border-radius: 999px; padding: 9px 13px; background: var(--white); color: var(--navy); font-weight: 700; }
.cta-band { background: linear-gradient(135deg, var(--navy), #0a6fa7); color: white; border-radius: 28px; padding: 28px; }
.cta-band h2, .cta-band p { color: white; }
.site-footer { background: #06283d; color: #c9e5f2; padding: 36px 0; }
.site-footer a { color: white; }
.footer-grid { display: grid; gap: 18px; }
.small { font-size: .92rem; color: var(--muted); }
.site-footer .small { color: #b7d4df; }
@media (min-width: 760px) {
  .nav-links { display: flex; }
  .hero-grid { grid-template-columns: minmax(0, 1.25fr) minmax(320px, .75fr); }
  .two-col { grid-template-columns: 1fr 1fr; }
  .footer-grid { grid-template-columns: 1.2fr .8fr; }
}