:root{--ink:#102e40;--muted:#486171;--orange:#ff9c45;--pale:#edf4f7;--line:#ccdce4;--white:#fff;--max:1180px}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:110px}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;font-size:17px;line-height:1.65;background:#fff}a{color:inherit;text-underline-offset:4px}a:hover{text-decoration-thickness:2px}img{max-width:100%;height:auto}button,input,select,textarea{font:inherit}button,a,input,select,textarea,summary{-webkit-tap-highlight-color:transparent}button,.button{cursor:pointer}button:focus-visible,a:focus-visible,input:focus-visible,select:focus-visible,textarea:focus-visible,summary:focus-visible{outline:3px solid #12678c;outline-offset:4px}.wrap{width:min(var(--max),calc(100% - 64px));margin-inline:auto}.skip{position:absolute;left:12px;top:-70px;padding:10px;background:white;z-index:100}.skip:focus{top:8px}.topbar{background:var(--ink);color:#fff;font-size:14px;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between;gap:20px}.header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)}.header-inner{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:96px}.brand img{display:block;width:238px;height:auto}.nav{display:flex;align-items:center;gap:25px;font-size:15px;font-weight:700}.nav a{text-decoration:none}.nav a:hover,.nav a[aria-current=page]{color:#12678c}.phone{white-space:nowrap}.button{display:inline-flex;justify-content:center;align-items:center;gap:10px;background:var(--orange);border:1px solid var(--orange);color:var(--ink);font-weight:700;padding:14px 23px;border-radius:5px;text-decoration:none;line-height:1.4;min-height:51px}.button:hover{background:#ffb776}.button.dark{background:var(--ink);border-color:var(--ink);color:#fff}.button.outline{background:transparent;border-color:var(--ink)}.button.light{background:#fff;border-color:#fff}.menu-button{display:none;background:none;border:1px solid var(--line);padding:8px 12px;border-radius:4px}.hero{background:var(--pale);overflow:hidden;position:relative}.hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:570px;gap:56px;align-items:center}.hero-copy{padding:62px 0}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-weight:700;font-size:13px;color:#38627a;margin:0 0 20px}.hero h1{font-size:clamp(2.5rem,4.2vw,4rem);line-height:1.07;letter-spacing:-.045em;max-width:700px;margin:0 0 26px}.accent{color:#12678c}.lede{font-size:19px;line-height:1.7;max-width:650px;color:var(--muted)}.actions{display:flex;gap:12px;flex-wrap:wrap;margin:28px 0 17px}.small{font-size:14px;color:var(--muted)}.hero-visual{height:100%;min-height:570px;position:relative}.hero-visual img{position:absolute;inset:0;width:calc(100% + 160px);max-width:none;height:100%;object-fit:cover;object-position:45% center}.photo-label{position:absolute;bottom:22px;left:22px;background:#102e40e8;color:#fff;padding:14px 20px;border-left:4px solid var(--orange);font-size:15px;max-width:90%}.proofbar{border-bottom:1px solid var(--line)}.proofbar .wrap{display:grid;grid-template-columns:repeat(3,1fr);gap:30px;padding-top:22px;padding-bottom:22px;font-weight:700;font-size:15px}.proofbar span{display:flex;gap:12px;align-items:center}.proofbar b{color:#12678c;font-size:21px}.section{padding:78px 0}.section.pale{background:var(--pale)}.section-head{display:flex;align-items:end;justify-content:space-between;gap:35px;margin-bottom:32px}.section-head p{max-width:410px;color:var(--muted);margin:0}h2{font-size:clamp(1.8rem,3vw,2.6rem);line-height:1.18;letter-spacing:-.025em;margin:0 0 22px}h3{font-size:1.25rem;line-height:1.3;margin:0 0 13px}p{margin:0 0 20px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.card{border:1px solid var(--line);border-radius:7px;padding:27px;background:white;display:flex;flex-direction:column;align-items:start}.card .number{font-size:13px;letter-spacing:.1em;font-weight:700;color:#12678c;margin-bottom:24px}.card p{font-size:16px;color:var(--muted);margin-bottom:24px}.card a{font-weight:700;font-size:15px;margin-top:auto}.split{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:start}.steps{counter-reset:step}.step{padding:0 0 27px 55px;position:relative;margin:0 0 24px;border-bottom:1px solid var(--line)}.step:before{counter-increment:step;content:'0' counter(step);position:absolute;left:0;top:0;font-weight:800;color:#12678c;font-size:20px}.step p{color:var(--muted);margin:0}.area-list{display:grid;grid-template-columns:1fr 1fr;gap:0 25px;padding:0;list-style:none}.area-list a{display:flex;justify-content:space-between;padding:16px 0;border-bottom:1px solid var(--line);font-weight:700;text-decoration:none}.area-list a:after{content:'↗';color:#12678c}.note{padding:22px 25px;border-left:3px solid #12678c;background:var(--pale);margin:28px 0;color:var(--muted)}.note p:last-child{margin:0}.faq details{border-bottom:1px solid var(--line);padding:20px 0}.faq summary{cursor:pointer;font-weight:700;padding-right:10px}.faq details p{margin:16px 0 0;color:var(--muted)}.contact-section{background:var(--ink);color:white}.contact-section .eyebrow,.contact-section .lede,.contact-section .small{color:#c6d9e3}.contact-section .big-phone{font-size:clamp(1.8rem,3vw,2.5rem);font-weight:800;text-decoration:none;display:inline-block;margin:16px 0 20px}.contact-section h2{font-size:clamp(2rem,3.5vw,3rem)}.contact-section .contact-detail{border-top:1px solid #527080;padding-top:20px;margin-top:27px}.form-card{background:#fff;color:var(--ink);padding:32px;border-radius:8px}.form-card h3{font-size:1.5rem}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:17px}.field.full{grid-column:1/-1}label{display:block;font-size:14px;font-weight:700;margin-bottom:5px}input,textarea,select{width:100%;padding:11px 12px;border:1px solid #aec4cf;border-radius:4px;background:#fff;color:var(--ink);min-width:0}textarea{resize:vertical;min-height:104px}.form-card .button{width:100%;margin-top:20px}.form-card .small{color:var(--muted);font-size:13px;margin:14px 0 0}.consent-label{display:flex;align-items:start;gap:10px;font-weight:400;font-size:13px;margin-top:17px}.consent-label input{width:18px;min-width:18px;margin-top:4px}.honeypot{display:none}.form-status{font-size:15px;padding-top:12px}.footer{background:#092230;color:#d8e5ec;padding:50px 0 26px;font-size:14px}.footer-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:55px}.footer strong{color:#fff;font-size:18px}.footer ul{padding:0;list-style:none}.footer li{margin:9px 0}.footer a{text-decoration:none}.footer .fine{border-top:1px solid #345160;padding-top:23px;margin-top:30px;display:flex;flex-wrap:wrap;gap:14px;justify-content:space-between;font-size:13px}.footer button{border:0;color:inherit;background:none;padding:0;text-decoration:underline;font-size:13px}.breadcrumb{font-size:14px;color:var(--muted);padding:24px 0}.page-hero{background:var(--pale);padding-bottom:45px}.page-hero h1{font-size:clamp(2.15rem,4vw,3.6rem);line-height:1.12;letter-spacing:-.035em;margin:22px 0;max-width:900px}.page-hero .lede{max-width:820px}.article-layout{display:grid;grid-template-columns:minmax(0,760px) 300px;gap:70px;align-items:start}.article h2{font-size:1.85rem;margin-top:42px}.article h2:first-child{margin-top:0}.article p{color:#344e5d}.article li{margin-bottom:12px}.article ul{padding-left:24px}.aside{position:sticky;top:126px;padding:28px;background:var(--pale);border-top:4px solid var(--orange);border-radius:4px}.aside .button{width:100%;margin:13px 0}.aside ul{padding:0;list-style:none}.aside li{margin:12px 0;font-size:15px}.related{margin-top:50px;border-top:1px solid var(--line);padding-top:30px}.related ul{display:grid;grid-template-columns:1fr 1fr;gap:15px;list-style:none;padding:0}.related a{font-size:16px}.cookie-banner{position:fixed;bottom:18px;left:18px;width:390px;max-width:calc(100% - 36px);background:#fff;box-shadow:0 8px 45px #09223033;padding:22px;border:1px solid var(--line);border-radius:7px;z-index:50}.cookie-banner p{font-size:14px;margin:0 0 13px}.cookie-banner strong{display:block;margin-bottom:7px}.cookie-buttons{display:flex;gap:10px}.cookie-buttons button{flex:1;padding:10px 14px;min-height:43px;font-size:14px}.mobile-call{display:none}[hidden]{display:none!important}.table-wrap{overflow-x:auto}table{border-collapse:collapse;width:100%;margin:25px 0;font-size:16px}th,td{padding:14px;border:1px solid var(--line);text-align:left}th{background:var(--pale)}.link-list{columns:2;column-gap:40px;padding-left:20px}.link-list li{break-inside:avoid;margin-bottom:12px}.source{font-size:14px;color:var(--muted);border-top:1px solid var(--line);padding-top:16px}.home-title-line{display:block}
@media(min-width:1500px){.hero-visual img{width:calc(100% + (100vw - 1180px)/2)}}
@media(max-width:1100px){.nav{gap:17px}.header-inner{gap:15px}.brand img{width:210px}.nav .phone{display:none}.hero-grid{gap:30px}.article-layout{gap:35px;grid-template-columns:minmax(0,1fr) 270px}.split{gap:35px}}
@media(max-width:800px){.wrap{width:calc(100% - 38px)}.topbar .wrap span:last-child{display:none}.header-inner{min-height:79px;flex-wrap:wrap;padding:13px 0}.brand img{width:213px}.menu-button{display:block}.nav{display:none;flex-basis:100%;flex-direction:column;align-items:stretch;gap:0;padding:6px 0 12px;max-height:65vh;overflow:auto}.nav.open{display:flex}.nav a{padding:12px;border-bottom:1px solid var(--line)}.nav .phone{display:block}.hero-grid{grid-template-columns:1fr;gap:0;min-height:0}.hero-copy{padding:46px 0 34px}.hero h1{font-size:3rem}.hero-visual{min-height:300px;margin:0 -19px}.hero-visual img{width:100%;object-position:center 53%}.photo-label{font-size:13px;bottom:16px;left:19px}.proofbar .wrap{gap:15px;grid-template-columns:1fr;font-size:14px;padding:20px 0}.proofbar b{font-size:17px}.section{padding:52px 0}.section-head{display:block}.section-head p{margin-top:15px}.cards{grid-template-columns:1fr 1fr;gap:15px}.card{padding:22px}.split{grid-template-columns:1fr;gap:32px}.article-layout{grid-template-columns:1fr}.aside{position:static}.footer-grid{grid-template-columns:1fr 1fr;gap:25px}.footer-grid>div:first-child{grid-column:1/-1}.form-card{padding:24px}.page-hero{padding-bottom:32px}.page-hero h1{font-size:2.55rem}.cookie-banner{bottom:81px}.mobile-call{display:flex;position:fixed;bottom:0;left:0;right:0;z-index:40;background:var(--ink);padding:10px 19px;gap:12px;align-items:center;color:#fff;box-shadow:0 -2px 15px #102e4022}.mobile-call .button{min-height:43px;padding:10px 16px;flex:1;font-size:14px}.mobile-call>a:first-child{font-weight:700;font-size:16px;text-decoration:none}body{padding-bottom:68px}.footer .fine{padding-bottom:10px}}
@media(max-width:480px){.cards{grid-template-columns:1fr}.hero h1{font-size:2.65rem}.hero-copy .lede{font-size:18px}.actions .button{width:100%}.form-grid{grid-template-columns:1fr}.area-list{grid-template-columns:1fr}.related ul{grid-template-columns:1fr}.link-list{columns:1}.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.hero-visual{min-height:270px}.page-hero h1{font-size:2.15rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}