:root{--navy:#07172f;--blue:#103c70;--gold:#d9a52e;--ink:#172235;--pale:#f3f6f9;--white:#fff;--line:#dce3eb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.6;background:#fff}a{color:inherit}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}.top{background:var(--navy);color:#fff;font-size:13px}.top .wrap,.nav,.foot{display:flex;justify-content:space-between;align-items:center}.top a{color:#fff}.top .wrap{min-height:36px}header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:3}.nav{min-height:78px;gap:24px}.brand{text-decoration:none;color:var(--navy);line-height:1}.brand b{display:block;letter-spacing:1.4px}.brand small{letter-spacing:3.4px}.nav nav{display:flex;gap:28px}.nav nav a{text-decoration:none;font-weight:700;font-size:14px}.call{background:var(--gold);padding:10px 16px;text-decoration:none;font-weight:800;border-radius:4px}.hero{background:linear-gradient(120deg,var(--navy),#103c70);color:#fff;padding:88px 0}.hero-grid,.split,.steps{display:grid;grid-template-columns:1.35fr .85fr;gap:58px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:1.8px;font-size:12px;font-weight:800;color:var(--blue);margin:0 0 10px}.hero .eyebrow{color:#bed3ef}.gold{color:var(--gold)!important}h1{font-size:clamp(42px,6vw,72px);line-height:1.02;margin:0 0 22px;letter-spacing:-2px}h1 span{color:var(--gold)}h2{font-size:clamp(29px,4vw,43px);line-height:1.12;margin:0 0 18px;letter-spacing:-.8px}h3{line-height:1.2}.lead{font-size:20px;max-width:720px}.hero aside{background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.22);padding:32px;border-radius:12px}.hero aside ul{padding-left:20px}.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.btn{display:inline-block;padding:14px 20px;border-radius:5px;text-decoration:none;font-weight:800;font-size:14px}.primary,.goldbtn{background:var(--gold);color:var(--navy)}.outline{border:1px solid #fff;color:#fff}.micro{font-size:12px;opacity:.76;margin-top:16px}.section{padding:78px 0}.pale{background:var(--pale)}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:34px}.cards article{border:1px solid var(--line);border-radius:9px;padding:24px;background:#fff}.icon{color:var(--gold);font-size:30px}.steps ol{list-style:none;padding:0;margin:0;counter-reset:item}.steps li{counter-increment:item;position:relative;padding:18px 0 18px 56px;border-bottom:1px solid var(--line)}.steps li:before{content:counter(item);position:absolute;left:0;top:18px;width:36px;height:36px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:bold}.steps li span,.steps li b{display:block}.quote{background:var(--navy);color:#fff;padding:34px;border-radius:10px;font-size:20px}.quote cite{display:block;color:var(--gold);font-size:14px;margin-top:16px}.faq details{background:#fff;border:1px solid var(--line);padding:18px 22px;margin:12px 0;border-radius:7px}.faq summary{font-weight:800;cursor:pointer}.cta{background:var(--navy);color:#fff;padding:62px 0}.light{border:1px solid #fff;color:#fff}footer{background:#050e1d;color:#d9e2ee;padding:42px 0}.foot{align-items:flex-start}.fine{border-top:1px solid #314057;margin-top:24px;padding-top:20px;font-size:12px}.fine a{color:#fff}@media(max-width:800px){.nav nav{display:none}.top .wrap{display:block;padding:7px 0}.top span{display:block}.hero{padding:58px 0}.hero-grid,.split,.steps{grid-template-columns:1fr;gap:30px}.cards{grid-template-columns:1fr 1fr}.foot{display:block}.call{font-size:12px}.brand small{letter-spacing:2.4px}}@media(max-width:520px){.wrap{width:min(100% - 26px,1120px)}.cards{grid-template-columns:1fr}.call{display:none}.actions .btn{width:100%;text-align:center}h1{letter-spacing:-1px}.section{padding:56px 0}}