:root{
  --navy:#0d2236; --blue:#1f6eae; --gold:#f0b338; --light:#f5f7fa;
  --text:#1d2732; --muted:#617080; --white:#fff; --line:#dde4ea;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.container{width:min(1120px,92%);margin:auto}
.topbar{background:var(--navy);color:#fff;font-size:.95rem}
.topbar .container{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:8px 0;flex-wrap:wrap}
.topbar a{color:#fff;font-weight:700}
header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}
.nav{display:flex;justify-content:space-between;align-items:center;padding:15px 0;gap:20px}
.brand{font-weight:900;font-size:1.2rem;color:var(--navy);line-height:1.1}
.brand span{display:block;color:var(--blue);font-size:.78rem;letter-spacing:.08em;text-transform:uppercase;margin-top:3px}
nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
nav a{color:var(--navy);font-weight:700}
.btn{display:inline-block;background:var(--gold);color:#111!important;padding:12px 18px;border-radius:8px;font-weight:900;text-decoration:none!important;border:0}
.btn.blue{background:var(--blue);color:#fff!important}
.hero{background:linear-gradient(120deg,#0d2236 0%,#174f79 100%);color:white;padding:78px 0}
.hero-grid{display:grid;grid-template-columns:1.3fr .7fr;gap:42px;align-items:center}
.hero h1{font-size:clamp(2.3rem,5vw,4.7rem);line-height:1.03;margin:0 0 20px}
.hero p{font-size:1.17rem;max-width:760px;color:#e8eef5}
.hero-card{background:#fff;color:var(--text);border-radius:16px;padding:24px;box-shadow:0 12px 35px rgba(0,0,0,.22)}
.hero-card h2{margin-top:0;color:var(--navy)}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin:22px 0}
.badge{background:rgba(255,255,255,.12);padding:8px 12px;border-radius:999px;font-weight:700}
section{padding:62px 0}
section.alt{background:var(--light)}
h2{font-size:clamp(1.8rem,3vw,2.8rem);line-height:1.15;color:var(--navy);margin:0 0 14px}
h3{color:var(--navy);margin-top:0}
.lead{font-size:1.12rem;color:var(--muted);max-width:820px}
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:28px}
.card{border:1px solid var(--line);border-radius:14px;padding:24px;background:#fff;box-shadow:0 5px 18px rgba(10,31,51,.05)}
.card p{color:var(--muted)}
.card a.more{font-weight:800}
.callout{background:var(--navy);color:#fff;border-radius:18px;padding:32px;display:flex;align-items:center;justify-content:space-between;gap:25px;flex-wrap:wrap}
.callout h2{color:#fff;margin:0}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:38px;align-items:start}
.checks{padding:0;list-style:none}
.checks li{margin:10px 0;padding-left:28px;position:relative}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--blue);font-weight:900}
.page-hero{background:var(--navy);color:#fff;padding:54px 0}
.page-hero h1{font-size:clamp(2.1rem,5vw,3.8rem);line-height:1.05;margin:0 0 15px}
.page-hero p{max-width:800px;color:#e5edf5;font-size:1.1rem}
.contact-box{background:var(--light);border:1px solid var(--line);border-radius:16px;padding:28px}
.contact-box a{font-weight:800}
footer{background:#081725;color:#cbd7e3;padding:42px 0}
footer a{color:#fff}
.footer-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:30px}
.small{font-size:.9rem;color:#7f8d9b}
footer .small{color:#9fb0c2}
.mobile-call{display:none}
@media(max-width:820px){
  .hero-grid,.grid-3,.two-col,.footer-grid{grid-template-columns:1fr}
  nav{display:none}
  .hero{padding:54px 0}
  .mobile-call{display:block;position:fixed;left:12px;right:12px;bottom:12px;z-index:50;text-align:center;box-shadow:0 6px 20px rgba(0,0,0,.25)}
  body{padding-bottom:72px}
}