:root{--navy:#16283c;--blue:#1e5b8a;--orange:#e07b28;--bg:#f7f6f3;--ink:#22303e;--line:#dfe3e7}
*{margin:0;padding:0;box-sizing:border-box}
body{font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:#fff;line-height:1.65;font-size:17px}
header{background:var(--navy);color:#fff;padding:14px 5%;display:flex;justify-content:space-between;align-items:center;flex-wrap:wrap;gap:10px}
header .logo{font-size:1.35rem;font-weight:bold;letter-spacing:.5px;color:#fff;text-decoration:none}
header .logo span{color:var(--orange)}
.call-btn{background:var(--orange);color:#fff;text-decoration:none;font-weight:bold;padding:12px 22px;border-radius:6px;font-family:Arial,sans-serif;font-size:1rem;display:inline-block}
.call-btn:hover{background:#c96a1e}
nav{background:var(--blue);padding:8px 5%}
nav a{color:#fff;text-decoration:none;margin-right:18px;font-family:Arial,sans-serif;font-size:.92rem}
nav a:hover{text-decoration:underline}
.hero{background:var(--bg);padding:56px 5% 48px;text-align:center;border-bottom:1px solid var(--line)}
.hero h1{font-size:2.1rem;color:var(--navy);max-width:820px;margin:0 auto 14px}
.hero p{max-width:680px;margin:0 auto 24px;font-size:1.08rem}
main{max-width:860px;margin:0 auto;padding:40px 5%}
h2{color:var(--navy);font-size:1.5rem;margin:34px 0 12px}
h3{color:var(--blue);font-size:1.15rem;margin:24px 0 8px}
p{margin-bottom:14px}
ul,ol{margin:0 0 16px 24px}
li{margin-bottom:7px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:16px;margin:22px 0}
.card{border:1px solid var(--line);border-radius:8px;padding:18px;background:#fff}
.card h3{margin-top:0}
.card a{color:var(--blue);font-weight:bold;text-decoration:none;font-family:Arial,sans-serif;font-size:.92rem}
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:34px 5%;margin:40px 0}
.cta-band h2{color:#fff;margin-top:0}
.quote-form{background:var(--bg);border:1px solid var(--line);border-radius:8px;padding:24px;margin:26px 0}
.quote-form label{display:block;font-family:Arial,sans-serif;font-size:.88rem;font-weight:bold;margin:12px 0 4px}
.quote-form input,.quote-form select,.quote-form textarea{width:100%;padding:10px;border:1px solid #b9c2cb;border-radius:5px;font-size:1rem;font-family:Arial,sans-serif}
.quote-form button{margin-top:16px;width:100%;border:none;cursor:pointer}
.faq details{border-bottom:1px solid var(--line);padding:12px 0}
.faq summary{font-weight:bold;cursor:pointer;color:var(--navy);font-family:Arial,sans-serif}
.faq p{margin-top:10px}
table{border-collapse:collapse;width:100%;margin:16px 0;font-family:Arial,sans-serif;font-size:.92rem}
th,td{border:1px solid var(--line);padding:10px;text-align:left}
th{background:var(--bg)}
footer{background:var(--navy);color:#cfd8e0;padding:28px 5%;font-size:.85rem;font-family:Arial,sans-serif;margin-top:48px}
footer a{color:#fff}
.disclosure{margin-top:10px;color:#9fb0bf;font-size:.8rem;line-height:1.5}
@media(max-width:640px){.hero h1{font-size:1.55rem}header{justify-content:center;text-align:center}}