:root{
  --ink:#101F26; --deep:#0E4C5A; --deep2:#16687A; --mist:#E9F0F1;
  --signal:#C0371E; --signal-dk:#95270F; --line:#D3DFE1; --muted:#4C6169;
  --paper:#fff; --shadow:0 1px 2px rgba(16,31,38,.06),0 8px 24px rgba(16,31,38,.06);
  --serif:"Iowan Old Style","Palatino Linotype",Palatino,"Book Antiqua",Georgia,serif;
  --sans:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  --wrap:1120px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font-family:var(--sans);color:var(--ink);background:var(--paper);
  font-size:17px;line-height:1.65;padding-bottom:60px}
@media(min-width:860px){body{padding-bottom:0}}
img,svg{max-width:100%;height:auto}
a{color:var(--deep2)}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 18px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}

/* --- fog band: the signature divider (marine layer) --- */
.fog{height:10px;border:0;margin:0;
  background:linear-gradient(180deg,rgba(14,76,90,.16),rgba(14,76,90,0));}

/* --- disclosure strip --- */
.strip{background:var(--ink);color:#CFE0E3;font-size:13.5px;line-height:1.5;padding:9px 0}
.strip p{margin:0}

/* --- sticky header --- */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);
  border-bottom:1px solid var(--line);backdrop-filter:saturate(1.2) blur(6px)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:10px 0}
.logo{font-family:var(--serif);font-size:19px;font-weight:600;letter-spacing:-.01em;
  color:var(--ink);text-decoration:none;line-height:1.15;max-width:15ch}
.logo span{display:block;font-family:var(--sans);font-size:10.5px;font-weight:600;
  letter-spacing:.13em;text-transform:uppercase;color:var(--deep2);margin-top:3px}
.hdr-call{display:flex;align-items:center;gap:12px;flex-shrink:0}
.hdr-num{font-family:var(--serif);font-size:21px;font-weight:700;color:var(--ink);
  text-decoration:none;white-space:nowrap}
.hdr-num small{display:block;font-family:var(--sans);font-size:10px;letter-spacing:.1em;
  text-transform:uppercase;color:var(--muted);font-weight:600}
@media(max-width:640px){.hdr-num{font-size:17px}.logo{font-size:15px;max-width:12ch}}

/* --- nav --- */
.nav{border-bottom:1px solid var(--line);background:var(--mist)}
.nav ul{display:flex;gap:20px;list-style:none;margin:0;padding:9px 18px;max-width:var(--wrap);
  margin:0 auto;overflow-x:auto;-webkit-overflow-scrolling:touch;scrollbar-width:none}
.nav ul::-webkit-scrollbar{display:none}
.nav a{color:var(--ink);text-decoration:none;font-size:14px;font-weight:600;white-space:nowrap;
  padding:3px 0;border-bottom:2px solid transparent}
.nav a:hover,.nav a:focus{border-bottom-color:var(--signal)}

/* --- hero --- */
.hero{background:linear-gradient(168deg,#0B3B47 0%,#0E4C5A 55%,#155F70 100%);color:#fff;
  padding:30px 0 34px}
.hero-grid{display:grid;gap:26px}
@media(min-width:900px){.hero-grid{grid-template-columns:1.05fr .95fr;gap:40px;align-items:start}}
.hero h1{font-family:var(--serif);font-size:clamp(29px,5.4vw,45px);line-height:1.08;
  margin:0 0 12px;letter-spacing:-.02em;font-weight:600}
.hero .lede{font-size:17.5px;color:#D9E9EC;margin:0 0 18px;max-width:46ch}
.bigcall{display:inline-flex;flex-direction:column;background:var(--signal);color:#fff;
  text-decoration:none;padding:12px 22px;border-radius:6px;font-weight:700;
  box-shadow:0 6px 18px rgba(0,0,0,.22)}
.bigcall b{font-family:var(--serif);font-size:clamp(26px,6vw,34px);line-height:1.05;letter-spacing:-.01em}
.bigcall small{font-size:11.5px;letter-spacing:.11em;text-transform:uppercase;opacity:.92;font-weight:700}
.bigcall:hover{background:var(--signal-dk)}
.trust{list-style:none;margin:20px 0 0;padding:0;display:grid;gap:8px}
.trust li{position:relative;padding-left:26px;font-size:15.5px;color:#E4F0F2}
.trust li::before{content:"";position:absolute;left:0;top:8px;width:14px;height:8px;
  border-left:2.5px solid #7FD4C1;border-bottom:2.5px solid #7FD4C1;transform:rotate(-45deg)}

/* --- form --- */
.formcard{background:#fff;color:var(--ink);border-radius:9px;padding:20px;box-shadow:var(--shadow);
  border:1px solid var(--line)}
.formcard h2{font-family:var(--serif);font-size:22px;margin:0 0 4px;line-height:1.2}
.formcard .fs{font-size:14.5px;color:var(--muted);margin:0 0 14px}
.fld{margin-bottom:11px}
.fld label{display:block;font-size:13px;font-weight:700;margin-bottom:4px;letter-spacing:.01em}
.fld input,.fld textarea{width:100%;font:inherit;font-size:16px;padding:10px 11px;
  border:1px solid #B9CACD;border-radius:5px;background:#FCFDFD;color:var(--ink)}
.fld textarea{min-height:78px;resize:vertical}
.fld input:focus,.fld textarea:focus{outline:3px solid rgba(22,104,122,.35);outline-offset:1px;
  border-color:var(--deep2)}
.hp{position:absolute;left:-9999px}
.btn{width:100%;font:inherit;font-weight:800;font-size:17px;color:#fff;background:var(--signal);
  border:0;border-radius:6px;padding:14px;cursor:pointer;letter-spacing:.01em}
.btn:hover{background:var(--signal-dk)}
.btn:focus-visible{outline:3px solid var(--ink);outline-offset:2px}
.formdisc{font-size:12.5px;line-height:1.5;color:var(--muted);margin:11px 0 0;
  border-top:1px solid var(--line);padding-top:10px}

/* --- body sections --- */
main{padding:0}
.sec{padding:38px 0}
.sec--mist{background:var(--mist)}
.prose{max-width:74ch}
.prose h2{font-family:var(--serif);font-size:clamp(23px,3.4vw,30px);line-height:1.2;
  margin:34px 0 12px;letter-spacing:-.01em;font-weight:600}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:18.5px;margin:26px 0 8px;font-weight:800;color:var(--deep)}
.prose p{margin:0 0 15px}
.prose ul,.prose ol{margin:0 0 16px;padding-left:22px}
.prose li{margin-bottom:7px}
.prose strong{font-weight:700}
.note{background:var(--mist);border-left:4px solid var(--deep2);padding:14px 16px;
  border-radius:0 6px 6px 0;margin:20px 0}
.note p:last-child{margin-bottom:0}
.note b{display:block;font-family:var(--sans);font-size:12px;letter-spacing:.11em;
  text-transform:uppercase;color:var(--deep);margin-bottom:5px}
figure{margin:24px 0;padding:0}
figcaption{font-size:13.5px;color:var(--muted);margin-top:8px;font-style:italic}

/* --- inline CTA --- */
.midcta{background:var(--ink);color:#fff;border-radius:8px;padding:20px;margin:28px 0;
  display:grid;gap:12px}
@media(min-width:700px){.midcta{grid-template-columns:1fr auto;align-items:center;gap:20px}}
.midcta p{margin:0;font-size:16.5px;color:#D9E9EC}
.midcta strong{color:#fff;display:block;font-family:var(--serif);font-size:20px;margin-bottom:3px}
.midcta a{display:inline-block;background:var(--signal);color:#fff;text-decoration:none;
  font-weight:800;padding:12px 20px;border-radius:6px;white-space:nowrap;text-align:center}
.midcta a:hover{background:var(--signal-dk)}

/* --- cards / links --- */
.cards{display:grid;gap:14px;margin:0;padding:0;list-style:none}
@media(min-width:640px){.cards{grid-template-columns:1fr 1fr}}
@media(min-width:960px){.cards--3{grid-template-columns:1fr 1fr 1fr}}
.cards a{display:block;background:#fff;border:1px solid var(--line);border-radius:8px;
  padding:16px 18px;text-decoration:none;color:var(--ink);height:100%}
.cards a:hover{border-color:var(--deep2);box-shadow:var(--shadow)}
.cards b{display:block;font-family:var(--serif);font-size:18px;margin-bottom:4px;color:var(--deep)}
.cards span{font-size:14.5px;color:var(--muted);display:block}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:16px 0 0}
.chips a{display:inline-block;background:#fff;border:1px solid var(--line);border-radius:99px;
  padding:6px 14px;font-size:14px;text-decoration:none;color:var(--deep);font-weight:600}
.chips a:hover{border-color:var(--deep2);background:var(--mist)}

/* --- FAQ --- */
.faq{border-top:1px solid var(--line);margin-top:28px}
.faq details{border-bottom:1px solid var(--line)}
.faq summary{cursor:pointer;padding:14px 30px 14px 0;font-weight:700;font-size:16.5px;
  position:relative;list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font-size:22px;
  color:var(--deep2);font-weight:600}
.faq details[open] summary::after{content:"\2013"}
.faq summary:focus-visible{outline:3px solid var(--deep2);outline-offset:2px}
.faq .a{padding:0 0 16px;color:var(--muted)}
.faq .a p{margin:0 0 12px}
.faq .a p:last-child{margin-bottom:0}

/* --- breadcrumb --- */
.crumb{font-size:13.5px;color:var(--muted);padding:12px 0 0}
.crumb a{color:var(--muted)}
.crumb ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:0}
.crumb li::after{content:"/";margin-left:6px;color:#9DB3B8}
.crumb li:last-child::after{content:""}

/* --- bottom form band --- */
.band{background:linear-gradient(168deg,#0B3B47,#155F70);color:#fff;padding:38px 0}
.band-grid{display:grid;gap:24px}
@media(min-width:900px){.band-grid{grid-template-columns:1fr 1fr;gap:40px;align-items:center}}
.band h2{font-family:var(--serif);font-size:clamp(24px,4vw,34px);margin:0 0 10px;line-height:1.15}
.band p{color:#D9E9EC;margin:0 0 16px;max-width:44ch}

/* --- footer --- */
.ftr{background:var(--ink);color:#B7CBCF;font-size:14.5px;padding:34px 0 26px}
.ftr a{color:#DCE9EB}
.ftr h3{color:#fff;font-family:var(--sans);font-size:12px;letter-spacing:.13em;
  text-transform:uppercase;margin:0 0 10px}
.ftr-grid{display:grid;gap:24px}
@media(min-width:760px){.ftr-grid{grid-template-columns:1.3fr 1fr 1fr}}
.ftr ul{list-style:none;margin:0;padding:0;columns:2;column-gap:18px}
.ftr ul li{margin-bottom:6px;break-inside:avoid}
.ftr .one ul{columns:1}
.ftr-disc{border-top:1px solid #2A414A;margin-top:26px;padding-top:16px;font-size:13.5px;
  line-height:1.6;color:#9FB6BB}
.ftr-disc strong{color:#D6E5E8;font-weight:600}

/* --- sticky mobile call bar --- */
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:60;display:grid;
  grid-template-columns:1fr 1fr;background:var(--ink);border-top:1px solid #2A414A}
.callbar a{padding:15px 8px;text-align:center;text-decoration:none;font-weight:800;font-size:16px;color:#fff}
.callbar a.c{background:var(--signal)}
.callbar a.f{color:#DCE9EB}
@media(min-width:860px){.callbar{display:none}}

@media(prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}}
:focus-visible{outline:3px solid var(--deep2);outline-offset:2px}