:root{--navy:#0b2436;--blue:#1769a6;--teal:#3aa6a6;--ice:#eef8fa;--line:#d8e8ed;--ink:#13232c;--muted:#5f6f78;--gold:#d8b767;--white:#fff}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.65}a{text-decoration:none;color:inherit}.container{width:min(1160px,92%);margin:0 auto}
.header{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:20}.nav{min-height:76px;display:flex;justify-content:space-between;align-items:center;gap:20px}.brand{font-weight:900;color:var(--navy);font-size:20px}.brand span{display:block;color:var(--teal);font-size:12px;text-transform:uppercase;letter-spacing:1.5px}nav{display:flex;gap:16px;font-weight:800;font-size:14px;align-items:center}.navcta{background:var(--blue);color:white;padding:11px 15px;border-radius:999px}
.hero,.pagehero{background:radial-gradient(circle at 86% 20%,rgba(58,166,166,.24),transparent 28%),linear-gradient(135deg,var(--navy),#14506f);color:#fff;padding:88px 0}.grid{display:grid;grid-template-columns:1.05fr .95fr;gap:48px;align-items:start}.eyebrow{margin:0 0 12px;color:#8de4e4;font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:2px}.eyebrow.dark{color:var(--blue)}
h1{font-size:clamp(42px,6vw,74px);line-height:.94;letter-spacing:-2px;margin:0 0 22px}h2{font-size:clamp(30px,4vw,48px);line-height:1.06;margin:0 0 16px;color:var(--navy)}h3{font-size:23px;margin:0 0 8px;color:var(--navy)}.lead,.pagehero p{font-size:20px;color:#dff7fb;max-width:880px}
.btn{display:inline-block;padding:13px 20px;border-radius:10px;font-weight:900;margin-right:10px;margin-top:12px}.primary{background:var(--gold);color:#102530}.secondary{background:white;color:var(--navy)}.bluebtn{background:var(--blue);color:white}
.form-card{background:#fff;color:var(--ink);border-radius:22px;padding:24px;box-shadow:0 28px 80px rgba(0,0,0,.22);min-height:320px}.section{padding:80px 0}.soft{background:var(--ice)}.split{display:grid;grid-template-columns:.9fr 1.1fr;gap:44px}.split p,.cards p,.article p,.article li,.service-row p{color:var(--muted);font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.cards article,.service-row{background:white;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 12px 34px rgba(8,36,61,.05)}.cards a,.article a,.service-row a{color:var(--blue);font-weight:900}
.trust{background:white;border-bottom:1px solid var(--line)}.trustgrid{display:grid;grid-template-columns:repeat(4,1fr)}.trustgrid div{padding:22px 18px;border-right:1px solid var(--line)}.trustgrid strong{display:block;color:var(--navy);font-size:22px}.trustgrid span{color:var(--muted);font-size:13px}
.service-list{display:grid;gap:18px;margin-top:30px}.service-row{display:grid;grid-template-columns:.8fr 1.2fr .35fr;gap:20px;align-items:center}.pill{display:inline-block;background:var(--ice);color:var(--blue);font-size:12px;font-weight:900;text-transform:uppercase;letter-spacing:1.2px;padding:7px 10px;border-radius:999px;margin-bottom:9px}
.quote{background:linear-gradient(135deg,var(--navy),#155979);color:white;padding:84px 0}.quote h2{color:white}.quote p{color:#dff7fb}.phonebox{margin-top:24px;background:rgba(255,255,255,.09);border-left:5px solid var(--gold);padding:20px;border-radius:16px}.phonebox a{color:#ffe29a;font-size:32px;font-weight:900}
.article{padding:72px 0}.article .narrow{max-width:920px;margin:0 auto}.article h2{margin-top:42px}.article h3{margin-top:28px}.callout,.guide-box{background:var(--ice);border-left:5px solid var(--teal);padding:20px;border-radius:14px;margin:24px 0}.guide-toc{background:var(--ice);border:1px solid var(--line);border-radius:18px;padding:24px;margin:28px 0}.guide-toc a{display:block;color:var(--blue);font-weight:800;margin:7px 0}table{width:100%;border-collapse:collapse;margin:22px 0;background:white}th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}th{background:var(--ice);color:var(--navy)}.workflow{display:grid;gap:10px;margin:24px 0}.workflow div{background:white;border:1px solid var(--line);border-radius:12px;padding:14px;font-weight:900;color:var(--navy)}.related-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin-top:20px}.related-grid a{display:block;border:1px solid var(--line);border-radius:14px;padding:16px;background:white;color:var(--blue);font-weight:900}
footer{background:#071a28;color:white;padding:42px 0}.foot{display:grid;grid-template-columns:1.2fr .6fr 1fr;gap:30px}.foot p,.foot a{color:#cbddee}
@media(max-width:930px){nav{display:none}.grid,.split,.foot,.cards,.trustgrid,.service-row,.related-grid{grid-template-columns:1fr}.trustgrid div{border-right:0;border-bottom:1px solid var(--line)}.hero,.pagehero{padding:60px 0}h1{font-size:42px}}