:root{
  --navy:#0b2545;--navy2:#123a6b;--blue:#14508c;--blue-l:#eaf2fb;
  --accent:#159a4e;--accent-d:#0f7f3f;
  --ink:#12212e;--muted:#5b6b7a;--bg:#f6f8fb;--card:#fff;--line:#e3e8ef;
  --radius:14px;--shadow:0 10px 30px rgba(11,37,69,.08);
  --shadow-lg:0 22px 55px rgba(3,15,35,.18);--maxw:1180px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-9999px}

/* ribbon / utility */
.ribbon{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#cfe0f5;font:600 12px/1.4 sans-serif;text-align:center;padding:8px 14px;letter-spacing:.3px}
.utility{background:#0a1f3d;color:#9fb6d4;font-size:12.5px}
.utility .wrap{display:flex;justify-content:space-between;padding:8px 20px;gap:10px;flex-wrap:wrap}
.utility span{white-space:nowrap}

/* header + nav */
header.site{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:60}
header.site .top{display:flex;align-items:center;justify-content:space-between;gap:14px;padding-top:12px;padding-bottom:12px;position:relative}
.logo{display:flex;align-items:center;gap:10px;font-weight:800;font-size:19px;color:var(--navy);letter-spacing:-.2px}
.logo:hover{text-decoration:none}
.logo .mark{width:34px;height:34px;background:linear-gradient(135deg,var(--blue),var(--navy));border-radius:9px;color:#fff;display:grid;place-items:center;font-size:14px;font-weight:800;flex:none}
nav.main{display:flex;align-items:center;gap:18px;font-size:14.5px;font-weight:600;color:#33465a}
nav.main a{color:#33465a}
nav.main a:hover{color:var(--blue);text-decoration:none}
nav.main .navcta{display:none}
.hbtn{background:var(--accent);color:#fff!important;padding:11px 18px;border-radius:10px;font-weight:700;font-size:14.5px;display:inline-block;white-space:nowrap;box-shadow:0 6px 16px rgba(21,154,78,.25)}
.hbtn:hover{background:var(--accent-d);text-decoration:none}
.navtoggle{display:none}
.burger{display:none;width:44px;height:44px;border-radius:10px;border:1px solid var(--line);align-items:center;justify-content:center;flex-direction:column;gap:5px;cursor:pointer;background:#fff}
.burger span{display:block;width:20px;height:2px;background:var(--navy);border-radius:2px}

/* crumbs */
.crumbs{font-size:12.5px;color:var(--muted);padding-top:12px;padding-bottom:12px}
.crumbs a{color:var(--muted)}

/* hero */
.hero{background:radial-gradient(1100px 380px at 82% -12%,#1b4d86 0,transparent 62%),linear-gradient(180deg,#0b2545,#123a6b);color:#fff;padding:54px 0 50px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:start}
.kicker{color:#8fd6ab;font-weight:700;font-size:12.5px;letter-spacing:1.2px;text-transform:uppercase}
h1{font-size:clamp(27px,5vw,42px);line-height:1.12;margin:12px 0 14px;letter-spacing:-.6px;font-weight:800}
.hero .lede{font-size:clamp(15.5px,2.2vw,17.5px);color:#d6e2f2;max-width:560px}
.bullets{margin-top:22px;display:grid;gap:10px;font-size:15px;color:#e6eefb;list-style:none}
.bullets li{list-style:none;padding-left:24px;position:relative}
.bullets li::before{content:"\2713";position:absolute;left:0;color:#8fd6ab;font-weight:800}

/* quote/apply card */
.form{background:#fff;color:var(--ink);border-radius:16px;padding:22px;box-shadow:var(--shadow-lg)}
.form h2{font-size:18px;color:var(--navy);margin-bottom:4px}
.form .sub{font-size:13px;color:var(--muted);margin-bottom:14px}
.field{margin-bottom:11px}
.field label{display:block;font-size:12px;font-weight:700;color:#33465a;margin-bottom:5px}
.field select,.field input{width:100%;height:46px;border:1px solid #d4dbe6;border-radius:10px;padding:0 12px;font-size:16px;color:#243447;background:#fbfcfe}
.field select:focus,.field input:focus{outline:none;border-color:var(--blue);box-shadow:0 0 0 3px rgba(20,80,140,.12)}
.cta{width:100%;background:var(--accent);color:#fff;border:none;padding:15px;border-radius:11px;font-weight:800;font-size:16px;margin-top:6px;cursor:pointer;display:block;text-align:center}
.cta:hover{background:var(--accent-d);text-decoration:none}
.micro{font-size:11.5px;color:var(--muted);text-align:center;margin-top:9px;line-height:1.5}

/* trustbar */
.trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trustbar .wrap{display:flex;justify-content:space-between;padding:16px 20px;gap:16px;font-size:13.5px;color:#33465a;font-weight:600;flex-wrap:wrap}
.trustbar b{color:var(--navy);font-size:17px;display:block}

/* sections */
section{padding:52px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2.sec{font-size:clamp(22px,3.4vw,28px);color:var(--navy);letter-spacing:-.4px;margin-bottom:16px;font-weight:800}
h3{font-size:18px;color:var(--navy);margin-bottom:8px;font-weight:700}
p{color:#3a4b5c;font-size:16px}
p+p{margin-top:12px}
.two{display:grid;grid-template-columns:1.2fr .8fr;gap:40px}
.note{background:var(--blue-l);border-left:4px solid var(--blue);padding:16px 18px;border-radius:0 12px 12px 0;font-size:15px;color:#2a3b4d}
.note .bullets{margin-top:10px;color:#2a3b4d}

/* requirement tiles */
.reqs{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.req{background:var(--bg);border:1px solid var(--line);border-radius:14px;padding:18px;box-shadow:var(--shadow)}
.req .n{font-size:24px;font-weight:800;color:var(--blue);letter-spacing:-.5px}
.req p{font-size:13.5px;margin-top:6px;color:#3a4b5c}

/* tables */
.tablewrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;font-size:14.5px}
th,td{padding:13px 16px;text-align:left;border-bottom:1px solid var(--line);white-space:nowrap}
th{background:var(--navy);color:#fff;font-size:13.5px}
tr:last-child td{border-bottom:none}
td:first-child{font-weight:700;color:var(--navy)}

/* chips / cards */
.grid{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}
.chip{background:#fff;border:1px solid var(--line);border-radius:12px;padding:14px;font-size:14px;font-weight:600;color:#2b3e52;display:flex;align-items:center;gap:10px;transition:.15s}
.chip:hover{border-color:var(--blue);box-shadow:var(--shadow);text-decoration:none;transform:translateY(-1px)}
.chip::before{content:"";width:8px;height:8px;border-radius:50%;background:var(--accent);flex:none}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.card{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow);transition:.18s;display:block}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:#cdd9e8;text-decoration:none}
.card h3{font-size:17px}
.card p{font-size:14px;margin-top:6px;color:#42566a}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.step{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:var(--shadow)}
.step .num{width:36px;height:36px;border-radius:50%;background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff;display:grid;place-items:center;font-weight:800;margin-bottom:12px}
.faq{max-width:820px}
.faq .q{font-weight:700;color:var(--navy);margin-top:18px;font-size:16px}
.faq .a{color:#3a4b5c;font-size:15px}
.cities{display:flex;flex-wrap:wrap;gap:10px}
.city{background:var(--bg);border:1px solid var(--line);border-radius:22px;padding:8px 15px;font-size:13.5px;font-weight:600;color:#2b3e52}

/* in-body figures (topic illustrations + infographics) */
.fig{margin:26px auto;max-width:920px;padding:0 20px}
/* blocks placed directly under <main> (outside .wrap) align to the page grid */
main > .note{max-width:calc(var(--maxw) - 40px);margin-left:auto!important;margin-right:auto!important}
.fig img{width:100%;height:auto;border-radius:16px;box-shadow:var(--shadow);border:1px solid var(--line);background:#fff}
.fig figcaption{margin-top:10px;font-size:13.5px;color:var(--muted);line-height:1.5}
.wrap.two .fig{max-width:none;padding:0}
.fig.narrow{max-width:760px;margin-left:auto;margin-right:auto}
@media(max-width:640px){.fig{margin:20px auto}}

/* cta band */
.ctaband{background:radial-gradient(900px 300px at 50% -30%,#1b4d86 0,transparent 60%),var(--navy);color:#fff;text-align:center;padding:54px 0}
.ctaband h2{color:#fff;font-size:clamp(22px,3.4vw,28px)}
.ctaband p{color:#c9d8ec;max-width:620px;margin:12px auto 22px;font-size:16px}
.ctaband .b{background:var(--accent);color:#fff;padding:16px 34px;border-radius:11px;font-weight:800;font-size:16px;display:inline-block;box-shadow:0 10px 26px rgba(21,154,78,.35)}
.ctaband .b:hover{background:var(--accent-d);text-decoration:none}

/* footer */
footer.site{background:#081a30;color:#8fa6c2;font-size:13px;padding:38px 0}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:26px}
footer.site h4{color:#fff;font-size:13.5px;margin-bottom:10px}
footer.site a{color:#a9bed6;display:block;margin:7px 0}
.disc{border-top:1px solid #17324f;margin-top:26px;padding-top:16px;font-size:11.5px;color:#7f97b3;line-height:1.6}

/* sticky mobile CTA */
.stickycta{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:rgba(255,255,255,.96);border-top:1px solid var(--line);padding:10px 14px calc(10px + env(safe-area-inset-bottom));box-shadow:0 -8px 24px rgba(3,15,35,.12)}
.stickycta a{display:block;background:var(--accent);color:#fff;text-align:center;font-weight:800;font-size:16px;padding:14px;border-radius:11px}
.stickycta a:hover{background:var(--accent-d);text-decoration:none}

/* ---------- responsive ---------- */
@media(max-width:900px){
  .hero{padding:38px 0 34px}
  .hero .wrap{grid-template-columns:1fr;gap:26px}
  .two{grid-template-columns:1fr;gap:26px}
  .cards,.steps,.reqs,footer.site .cols{grid-template-columns:1fr}
  .grid{grid-template-columns:repeat(2,1fr)}
  section{padding:40px 0}

  /* nav collapses into a panel toggled by the burger */
  .burger{display:flex}
  nav.main{display:none;position:absolute;top:100%;left:20px;right:20px;background:#fff;border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow-lg);padding:14px;flex-direction:column;align-items:stretch;gap:2px;z-index:80}
  nav.main a{padding:12px 10px;border-radius:10px;font-size:15px}
  nav.main a:hover{background:var(--blue-l);text-decoration:none}
  .hbtn{display:none}
  .navtoggle:checked ~ .top nav.main{display:flex}
  .navtoggle:checked ~ .top .navcta{display:block;background:var(--accent);color:#fff!important;text-align:center;font-weight:800;margin-top:8px}
}
@media(max-width:640px){
  .utility{font-size:11.5px}
  .ribbon{font-size:11.5px}
  .trustbar .wrap{gap:12px 22px}
  .form{padding:18px}
  .stickycta{display:block}
  body{padding-bottom:78px}
  .grid{grid-template-columns:1fr 1fr}
}