:root{--navy:#11497A;--navy-dark:#0C3A63;--red:#D12B1C;--red-dark:#B02316;--ink:#263333;--muted:#5E6A6A;--line:#D9E0E4;--surface:#F5F7F9;--max:1100px}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Source Sans 3','Source Sans Pro','Helvetica Neue',Arial,sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:#fff;-webkit-text-size-adjust:100%}
img{max-width:100%;height:auto}
a{color:var(--navy)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:10px 14px;z-index:99}.skip:focus{left:8px;top:8px}
/* header */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:84px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:auto;height:56px;display:block}
.brand .bt{display:block}.brand b{display:block;font-size:24px;line-height:1.05;font-weight:700;letter-spacing:-.01em;white-space:nowrap}
.brand em{display:block;font-style:normal;font-size:12px;font-weight:600;letter-spacing:.24em;text-transform:uppercase;color:var(--muted);margin-top:3px}
.nav{display:flex;align-items:center;gap:clamp(12px,1.6vw,24px)}
.nav a{color:var(--ink);text-decoration:none;font-weight:600;font-size:16.5px;padding:6px 0;border-bottom:2px solid transparent;white-space:nowrap}
.nav a:hover{color:var(--red);border-bottom-color:var(--red)}
.nav a[aria-current="page"]{color:var(--red);border-bottom-color:var(--red)}
.nav a.cta{background:var(--red);color:#fff;border:0;padding:11px 18px;border-radius:3px;font-size:14px;letter-spacing:.12em;text-transform:uppercase}
.nav a.cta:hover{background:var(--red-dark);color:#fff}
.menu-btn{display:none;background:none;border:1.5px solid var(--navy);color:var(--navy);font:600 15px inherit;font-family:inherit;padding:9px 14px;border-radius:3px;cursor:pointer}
@media(max-width:1120px){
  .menu-btn{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 18px;box-shadow:0 12px 24px rgba(17,73,122,.08)}
  .site-header.open .nav{display:flex}
  .nav a{padding:12px 0;font-size:19px;border-bottom:1px solid var(--line)}
  .nav a.cta{margin-top:14px;text-align:center;border-bottom:0}
}
/* type */
h1,h2,h3,h4{font-weight:600;color:var(--navy);line-height:1.2;letter-spacing:0;margin:0 0 10px}
h1{font-size:clamp(34px,4.6vw,48px);margin-bottom:16px}
h1::after,.bar::after{content:"";display:block;width:52px;height:4px;border-radius:2px;background:var(--red);margin-top:14px}
h2{font-size:clamp(26px,3.2vw,34px);margin-top:0}
h3{font-size:22px}
p{margin:0 0 18px}
.eyebrow{margin:0 0 8px;font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--muted)}
.lead{font-size:clamp(19px,2.2vw,22px);line-height:1.6}
.muted{color:var(--muted)}
/* buttons */
.btns{display:flex;flex-wrap:wrap;gap:12px;margin:22px 0 0}
.btn{display:inline-block;padding:16px 26px;border-radius:3px;background:var(--red);color:#fff;text-decoration:none;font-size:14px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;line-height:1.2;border:1.5px solid var(--red);cursor:pointer}
.btn:hover{background:var(--red-dark);border-color:var(--red-dark)}
.btn.ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.light{background:#fff;color:var(--navy);border-color:#fff}
.btn.light:hover{background:#E6EEF6;border-color:#E6EEF6}
/* layout blocks */
main{display:block}
.section{padding:64px 0}
.section.tight{padding:40px 0}
.section.alt{background:var(--surface)}
.hero{padding:56px 0 48px}
.hero .grid{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
.hero img{display:block;width:100%;border-radius:10px;box-shadow:0 10px 30px rgba(17,73,122,.18)}
@media(max-width:860px){.hero .grid{grid-template-columns:1fr;gap:28px}.section{padding:44px 0}}
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border:1.5px solid var(--line);border-radius:10px;overflow:hidden;background:#fff;margin-top:-26px;position:relative}
.facts div{padding:20px 22px;text-align:center;border-right:1.5px solid var(--line)}
.facts div:last-child{border-right:0}
.facts b{display:block;font-size:30px;line-height:1.1;color:var(--navy);font-weight:700}
.facts span{font-size:15px;color:var(--muted)}
.facts a{text-decoration:none;color:inherit;display:block}
@media(max-width:640px){.facts{grid-template-columns:1fr;margin-top:0}.facts div{border-right:0;border-bottom:1.5px solid var(--line)}.facts div:last-child{border-bottom:0}}
.quote{background:var(--navy);color:#fff;text-align:center;padding:56px 24px 48px}
.quote::before{content:"\201C";display:block;height:38px;font-family:Georgia,serif;font-size:90px;line-height:1;color:#EC3625}
.quote blockquote{margin:0 auto 14px;max-width:780px;font-size:clamp(22px,3vw,31px);line-height:1.4}
.quote figcaption{font-size:16px;color:#C9D9EA}
.quote a{color:#fff}
.quote .rating{display:block;margin-top:10px}
.quote .rating b{color:#FFC24A;letter-spacing:.12em;font-weight:400;margin-right:6px}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px}
.card{background:#fff;border:1.5px solid var(--line);border-top:4px solid var(--red);border-radius:8px;padding:24px}
.card h3{margin-bottom:6px}.card p{margin:0}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:18px 0 0;padding:0;list-style:none}
.chips li{background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:7px 16px;font-weight:600;font-size:16px;color:var(--navy)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}
.split img{display:block;width:100%;border-radius:10px}
@media(max-width:860px){.split{grid-template-columns:1fr;gap:26px}}
.prose{max-width:760px}
.prose p{max-width:70ch}
ul.tick{margin:0 0 18px;padding-left:22px;max-width:70ch}ul.tick li{margin-bottom:8px}
.band{background:var(--navy);color:#fff;border-radius:10px;padding:40px 32px;text-align:center}
.band h2{color:#fff}.band p{color:#E6EEF6;max-width:56ch;margin-left:auto;margin-right:auto}.band a:not(.btn){color:#fff}
.locs{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:18px;max-width:760px;margin-top:16px}
.loc{background:#fff;border:1.5px solid var(--line);border-top:4px solid var(--red);border-radius:6px;padding:20px}
.loc h3{margin-bottom:4px}.loc p{margin:0 0 10px}.loc a{font-weight:600;font-size:16px}
.appcards{display:grid;grid-template-columns:1fr 1fr;gap:20px;margin:16px 0}
@media(max-width:700px){.appcards{grid-template-columns:1fr}}
.appcard{display:flex;flex-direction:column;align-items:flex-start;padding:22px;border:1.5px solid var(--line);border-radius:8px;background:#fff}
.appcard img{width:84px;height:84px;border-radius:18px;margin-bottom:12px}
.appcard p{font-size:17px;margin:0 0 16px}.appcard .btn{margin-top:auto}
.vids{display:grid;grid-template-columns:1fr 1fr;gap:22px}
@media(max-width:700px){.vids{grid-template-columns:1fr}}
.vid{position:relative;aspect-ratio:16/9}.vid iframe{position:absolute;inset:0;width:100%;height:100%;border:0;border-radius:8px}
.vids figure{margin:0}.vids figcaption{font-size:16px;color:var(--muted);margin-top:8px}
.tcards{columns:2;column-gap:24px}
@media(max-width:760px){.tcards{columns:1}}
.tcards blockquote{break-inside:avoid;margin:0 0 24px;background:#fff;border:1.5px solid var(--line);border-top:4px solid var(--red);border-radius:8px;padding:24px 26px;box-shadow:0 2px 16px rgba(17,73,122,.08);font-size:17.5px;line-height:1.6}
.tcards cite{display:block;margin-top:12px;font-style:normal;font-weight:600;color:var(--navy)}
.rates{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px;margin:18px 0 8px}
.rate{text-align:center;background:#fff;border:1.5px solid var(--line);border-top:4px solid var(--red);border-radius:8px;padding:24px 16px;box-shadow:0 2px 16px rgba(17,73,122,.08)}
.rate b{display:block;font-size:20px;color:var(--navy)}.rate .amt{font-size:52px;line-height:1.1;font-weight:700;color:var(--ink);margin:4px 0}.rate span{font-size:15px;color:var(--muted)}
.policies{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px;margin-top:16px}
.policy{background:var(--surface);border:1.5px solid var(--line);border-left:4px solid var(--navy);border-radius:6px;padding:20px 22px}.policy h3{font-size:20px}.policy p{margin:0;font-size:17px}
.contact-card{background:var(--surface);border:1.5px solid var(--line);border-radius:10px;padding:28px}
.contact-card dt{font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--muted);margin-top:14px}.contact-card dt:first-child{margin-top:0}
.contact-card dd{margin:2px 0 0;font-size:20px}
.embed{width:100%;border:0;min-height:1500px}
/* footer */
.site-footer{background:#0F2F4D;color:#C9D9EA;padding:48px 0 28px;font-size:16px}
.site-footer a{color:#fff}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr;gap:32px}
@media(max-width:760px){.fgrid{grid-template-columns:1fr}}
.site-footer h4{color:#fff;font-size:15px;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.site-footer p{margin:0 0 8px}
.site-footer ul{list-style:none;margin:0;padding:0}.site-footer li{margin-bottom:6px}
.fine{border-top:1px solid rgba(255,255,255,.18);margin-top:28px;padding-top:18px;font-size:14px;color:#9FB6CE}
.photo{margin:0}.photo img{display:block;width:100%;height:auto;border-radius:10px}.photo figcaption{font-size:16px;color:var(--muted);margin-top:8px}