:root {
  --navy: #16283c;
  --navy-deep: #0d1d30;
  --teal: #1cbfc3;
  --teal-deep: #0b9da8;
  --violet: #38246c;
  --ink: #243542;
  --body: #52636d;
  --mist: #f2f7f8;
  --line: #d6e2e5;
  --white: #ffffff;
  --radius: 12px;
  --shadow: 0 14px 36px rgba(13, 29, 48, .12);
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--ink); background: var(--white); font-family: Arial, Helvetica, sans-serif; font-size: 16px; line-height: 1.65; }
a { color: inherit; }
.topline { padding: .55rem 1.25rem; background: var(--navy-deep); color: #eafcfc; font-size: .82rem; }
.topline__inside { max-width: 1120px; margin: 0 auto; display: flex; align-items: center; justify-content: space-between; gap: 1rem; }
.topline a { color: #fff; font-weight: 700; text-decoration: none; }
.nav { position: sticky; top: 0; z-index: 20; background: rgba(255,255,255,.98); border-bottom: 1px solid var(--line); }
.nav__inside { min-height: 80px; max-width: 1120px; margin: 0 auto; padding: .6rem 1.25rem; display: flex; align-items: center; justify-content: space-between; gap: 2rem; }
.brand { display: flex; align-items: center; min-width: 185px; }
.brand img { width: 155px; height: auto; display: block; }
.nav__links { display: flex; align-items: center; gap: 1.35rem; }
.nav__links a { color: var(--navy); font-size: .84rem; font-weight: 800; letter-spacing: .035em; text-decoration: none; text-transform: uppercase; }
.nav__links a:hover { color: var(--teal-deep); }
.button { display: inline-block; padding: .88rem 1.25rem; border: 0; border-radius: 6px; background: var(--teal); color: var(--navy-deep); cursor: pointer; font: 800 .86rem/1 Arial, Helvetica, sans-serif; letter-spacing: .035em; text-decoration: none; text-transform: uppercase; transition: transform .2s ease, background .2s ease; }
.button:hover { background: #48d4d4; transform: translateY(-1px); }
.button--outline { color: #fff; background: transparent; border: 1px solid rgba(255,255,255,.75); }
.button--outline:hover { color: #fff; background: rgba(255,255,255,.12); }
.container { max-width: 1120px; padding: 0 1.25rem; margin: 0 auto; }
.hero { position: relative; overflow: hidden; background: linear-gradient(119deg, var(--navy-deep), #1e3851 62%, #166f7d); color: #fff; }
.hero::before { content: ""; position: absolute; right: -105px; bottom: -200px; width: 500px; height: 500px; border: 74px solid rgba(28,191,195,.17); border-radius: 50%; }
.hero::after { content: ""; position: absolute; left: 53%; top: 0; width: 2px; height: 100%; background: linear-gradient(transparent, rgba(255,255,255,.14), transparent); transform: rotate(27deg); }
.hero__inside { position: relative; z-index: 1; min-height: 505px; max-width: 1120px; padding: 5.75rem 1.25rem; margin: 0 auto; display: flex; flex-direction: column; align-items: flex-start; justify-content: center; }
.eyebrow { display: block; margin-bottom: .9rem; color: #67e4e2; font-size: .78rem; font-weight: 800; letter-spacing: .17em; text-transform: uppercase; }
.hero h1 { max-width: 760px; margin: 0; font-family: Georgia, 'Times New Roman', serif; font-size: clamp(2.55rem, 5vw, 4.7rem); letter-spacing: -.045em; line-height: 1.05; }
.hero h1 em { color: #62dedd; font-style: normal; }
.hero p { max-width: 650px; margin: 1.35rem 0 2rem; color: rgba(255,255,255,.84); font-size: 1.1rem; }
.hero__actions { display: flex; flex-wrap: wrap; gap: .8rem; }
.trustbar { border-bottom: 1px solid #dce9e9; background: var(--mist); }
.trustbar__inside { max-width: 1120px; padding: 1rem 1.25rem; margin: 0 auto; display: grid; grid-template-columns: repeat(4, 1fr); gap: 1rem; }
.trustbar__item { display: flex; align-items: center; justify-content: center; gap: .5rem; color: var(--navy); font-size: .82rem; font-weight: 750; text-align: center; }
.trustbar__mark { color: var(--teal-deep); font-size: 1.1rem; }
.section { padding: 5.25rem 0; }
.section--mist { background: var(--mist); }
.section--navy { background: var(--navy-deep); color: #fff; }
.section__heading { max-width: 720px; margin-bottom: 2.5rem; }
.section__heading h2, .split__content h2 { margin: 0; color: var(--navy-deep); font-family: Georgia, 'Times New Roman', serif; font-size: clamp(2rem, 3.8vw, 3rem); letter-spacing: -.03em; line-height: 1.16; }
.section__heading p, .split__content p { margin: 1rem 0 0; color: var(--body); }
.section--navy .section__heading h2 { color: #fff; }
.section--navy .section__heading p { color: rgba(255,255,255,.78); }
.grid { display: grid; gap: 1.25rem; }
.grid--2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid--3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.card { padding: 1.75rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: 0 4px 18px rgba(13,29,48,.04); }
.card__icon { display: grid; place-items: center; width: 44px; height: 44px; margin-bottom: 1.1rem; border-radius: 50%; background: #ddf8f7; color: var(--teal-deep); font-size: 1.25rem; font-weight: 900; }
.card h3 { margin: 0 0 .6rem; color: var(--navy-deep); font-family: Georgia, 'Times New Roman', serif; font-size: 1.3rem; }
.card p { margin: 0; color: var(--body); font-size: .94rem; }
.split { display: grid; grid-template-columns: .88fr 1.12fr; align-items: center; gap: 5rem; }
.split__art { min-height: 345px; display: grid; place-items: center; padding: 2rem; overflow: hidden; border-radius: var(--radius); background: linear-gradient(145deg, #173950, #f6ffff 52%, #cdf5f4); box-shadow: var(--shadow); }
.split__art img { position: relative; z-index: 1; width: min(100%, 350px); padding: .5rem; background: #fff; border-radius: 7px; box-shadow: 0 12px 26px rgba(13,29,48,.2); }
.list { padding: 0; margin: 1.3rem 0 1.9rem; list-style: none; }
.list li { position: relative; padding: .38rem 0 .38rem 1.55rem; color: var(--body); }
.list li::before { content: "✓"; position: absolute; left: 0; color: var(--teal-deep); font-weight: 900; }
.cta { text-align: center; }
.cta h2 { max-width: 740px; margin: 0 auto; font-family: Georgia, 'Times New Roman', serif; font-size: clamp(2rem, 3.5vw, 3rem); line-height: 1.18; }
.cta p { max-width: 600px; margin: 1rem auto 1.75rem; color: rgba(255,255,255,.78); }
.page-hero { padding: 4.6rem 0; background: linear-gradient(115deg, var(--navy-deep), var(--navy)); color: #fff; }
.page-hero h1 { max-width: 760px; margin: 0; font-family: Georgia, 'Times New Roman', serif; font-size: clamp(2.3rem, 4vw, 3.7rem); letter-spacing: -.035em; line-height: 1.1; }
.page-hero p { max-width: 690px; margin: 1rem 0 0; color: rgba(255,255,255,.79); }
.form-layout { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(290px, .7fr); align-items: start; gap: 3.2rem; }
.form-card { padding: 2.25rem; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.form-card h2 { margin: 0 0 .45rem; color: var(--navy-deep); font-family: Georgia, 'Times New Roman', serif; font-size: 1.8rem; }
.form-card > p { margin: 0 0 1.55rem; color: var(--body); }
.field { margin-bottom: 1.1rem; }
.field label { display: block; margin-bottom: .35rem; color: var(--navy); font-size: .86rem; font-weight: 750; }
.field input, .field select, .field textarea { width: 100%; padding: .82rem .88rem; border: 1px solid #c9d8db; border-radius: 5px; color: var(--ink); background: #fff; font: .95rem/1.3 Arial, Helvetica, sans-serif; }
.field textarea { min-height: 130px; resize: vertical; }
.field input:focus, .field select:focus, .field textarea:focus { border-color: var(--teal-deep); outline: 3px solid rgba(28,191,195,.2); }
.check-panel { margin: 1.5rem 0; padding: 1.2rem; border: 1px solid #bfe6e5; border-radius: 7px; background: #f4ffff; }
.check-panel h3 { margin: 0 0 .75rem; color: var(--navy-deep); font-size: .95rem; }
.check-row { display: flex; align-items: flex-start; gap: .7rem; margin-top: .75rem; color: #40525c; font-size: .85rem; line-height: 1.5; }
.check-row input { flex: 0 0 auto; width: 17px; height: 17px; margin-top: .12rem; accent-color: var(--teal-deep); }
.disclosure { margin: .85rem 0 0; color: #5b6e78; font-size: .77rem; line-height: 1.55; }
.contact-panel { padding: 1.8rem; border-radius: var(--radius); background: var(--navy-deep); color: #fff; }
.contact-panel h3 { margin: 0 0 1.2rem; color: #67e4e2; font-family: Georgia, 'Times New Roman', serif; font-size: 1.35rem; }
.contact-panel dl { margin: 0; }
.contact-panel dt { margin-top: 1.05rem; color: rgba(255,255,255,.58); font-size: .75rem; font-weight: 800; letter-spacing: .09em; text-transform: uppercase; }
.contact-panel dd { margin: .15rem 0 0; color: #fff; font-size: .95rem; }
.contact-panel dd a { color: #fff; }
.sms-reference { margin-top: 1.4rem; padding: 1.5rem; border: 1px solid var(--line); border-radius: var(--radius); background: var(--mist); }
.sms-reference h3 { margin: 0 0 .8rem; color: var(--navy-deep); font-family: Georgia, 'Times New Roman', serif; font-size: 1.15rem; }
.sms-reference p { margin: .45rem 0; color: var(--body); font-size: .87rem; }
.sms-reference strong { color: var(--navy); }
.legal { max-width: 840px; }
.legal h2 { margin: 2.5rem 0 .65rem; color: var(--navy-deep); font-family: Georgia, 'Times New Roman', serif; font-size: 1.52rem; }
.legal h3 { margin: 1.4rem 0 .55rem; color: var(--navy); font-size: 1rem; }
.legal p, .legal li { color: var(--body); }
.legal ul { padding-left: 1.3rem; }
.legal-panel { margin: 1.5rem 0; padding: 1.5rem; border-left: 4px solid var(--teal); background: var(--mist); }
.legal-panel p { margin: .5rem 0; font-size: .93rem; }
.footer { padding: 3.8rem 0 1.3rem; background: #091523; color: rgba(255,255,255,.76); }
.footer__grid { display: grid; grid-template-columns: 1.65fr .7fr .95fr; gap: 2.5rem; padding-bottom: 2.7rem; }
.footer__brand img { width: 155px; padding: .35rem; border-radius: 4px; background: #fff; }
.footer h3 { margin: 0 0 .85rem; color: #fff; font-size: .85rem; letter-spacing: .08em; text-transform: uppercase; }
.footer p, .footer a { color: rgba(255,255,255,.7); font-size: .88rem; text-decoration: none; }
.footer a { display: block; margin: .35rem 0; }
.footer a:hover { color: #67e4e2; }
.footer__bottom { padding-top: 1.3rem; border-top: 1px solid rgba(255,255,255,.12); color: rgba(255,255,255,.5); font-size: .78rem; }
@media (max-width: 800px) {
  .topline__inside { justify-content: center; flex-wrap: wrap; }
  .nav__inside { min-height: 68px; }
  .nav__links { display: none; }
  .trustbar__inside { grid-template-columns: repeat(2, 1fr); }
  .grid--2, .grid--3, .split, .form-layout, .footer__grid { grid-template-columns: 1fr; }
  .split { gap: 2.5rem; }
  .hero__inside { min-height: 450px; padding-top: 4rem; padding-bottom: 4rem; }
  .section { padding: 3.8rem 0; }
  .form-card { padding: 1.5rem; }
}