:root{--navy:#0a3150;--blue:#166492;--gold:#ffb534;--ink:#17202a;--muted:#5b6b7a;--bg:#f5f8fb;--white:#fff;--line:#dce7ef}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}a{color:#0b5f91;text-decoration:none}a:hover{text-decoration:underline}.topbar{background:#061f34;color:white;font-weight:700;text-align:center;padding:8px 14px}.topbar a{color:#ffcf70}.wrap{max-width:1180px;margin:auto;padding:0 18px}.header{background:white;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}.headrow{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:12px 0}.logo img{height:54px;max-width:280px}.nav{display:flex;gap:16px;flex-wrap:wrap;align-items:center}.nav a{font-weight:700;color:#17344d}.btn{display:inline-block;background:var(--gold);color:#17202a!important;border-radius:999px;padding:12px 20px;font-weight:800;text-decoration:none;box-shadow:0 3px 0 rgba(0,0,0,.16)}.btn.secondary{background:#fff;color:#0a3150!important;border:2px solid #0a3150}.hero{background:#0a3150 url('assets/hero.svg') center/cover no-repeat;color:white}.hero .wrap{padding:76px 18px}.hero h1{font-size:clamp(34px,5vw,64px);line-height:1.05;margin:0 0 16px;max-width:850px}.hero p{font-size:21px;max-width:760px;margin:0 0 24px}.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:20px}.badge{background:rgba(255,255,255,.14);border:1px solid rgba(255,255,255,.28);border-radius:999px;padding:8px 13px;font-weight:700}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.two{grid-template-columns:2fr 1fr}.card{background:white;border:1px solid var(--line);border-radius:18px;padding:24px;box-shadow:0 8px 24px rgba(15,52,78,.06)}.section{padding:52px 0}.section h2{font-size:34px;line-height:1.15;margin:0 0 14px;color:#0a3150}.eyebrow{font-weight:800;color:#b06d00;text-transform:uppercase;letter-spacing:.05em;font-size:13px}.list{columns:2;padding-left:20px}.cta{background:linear-gradient(135deg,#0a3150,#166492);color:white;border-radius:24px;padding:34px}.cta h2{color:white}.footer{background:#061f34;color:#dce7ef;padding:38px 0;margin-top:40px}.footer a{color:#fff}.crumb{font-size:14px;color:#637484;margin:20px 0}.pagehero{background:#0a3150;color:white;padding:46px 0}.pagehero h1{font-size:44px;line-height:1.1;margin:0 0 10px}.quote-box{background:white;border-radius:18px;padding:16px;border:1px solid var(--line);min-height:820px}.service-links{display:grid;grid-template-columns:repeat(4,1fr);gap:12px}.service-links a{background:white;border:1px solid var(--line);border-radius:12px;padding:12px;font-weight:700}.faq details{background:white;border:1px solid var(--line);border-radius:14px;padding:16px;margin:12px 0}.faq summary{font-weight:800;color:#0a3150;cursor:pointer}.notice{background:#fff8e8;border-left:5px solid var(--gold);padding:15px;border-radius:12px}table{width:100%;border-collapse:collapse;background:white}td,th{border:1px solid var(--line);padding:10px;text-align:left}@media(max-width:850px){.headrow{align-items:flex-start;flex-direction:column}.nav{gap:10px}.grid,.two{grid-template-columns:1fr}.service-links{grid-template-columns:1fr 1fr}.list{columns:1}.hero .wrap{padding:54px 18px}.pagehero h1{font-size:34px}}@media(max-width:520px){.service-links{grid-template-columns:1fr}.btn{width:100%;text-align:center}.logo img{max-width:100%;height:auto}}