:root{--navy:#0b1f3a;--navy2:#132b4f;--orange:#ff7a00;--orange-d:#e56d00;--ink:#18212f;--muted:#566173;--bg:#fff;--soft:#f3f6fa;--line:#dde3eb;--r:14px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
img{max-width:100%;height:auto;display:block}
a{color:#0b5bd3}
h1,h2,h3{line-height:1.15;color:var(--navy);margin:0 0 .6em;font-weight:800;letter-spacing:-.01em}
h1{font-size:clamp(2rem,5vw,3.1rem)}
h2{font-size:clamp(1.45rem,3vw,2rem)}
p{margin:0 0 1em}
.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.narrow{max-width:780px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-size:1rem;font-family:inherit}
.btn-primary{background:var(--orange);color:#111}.btn-primary:hover{background:var(--orange-d)}
.btn-ghost{border-color:currentColor;color:inherit;background:transparent}
.btn-sm{min-height:42px;padding:0 16px;font-size:.95rem}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin:1.2em 0}
/* header */
.site-header{background:var(--navy);color:#fff;position:sticky;top:0;z-index:50}
.bar{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:16px}
.brand{display:flex;align-items:center;gap:10px;color:#fff;text-decoration:none;font-weight:800;font-size:1.15rem;text-transform:uppercase;font-style:italic}
.brand b{color:var(--orange)}
.nav{display:flex;align-items:center;gap:18px}
.nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px}
.nav a{color:#fff;text-decoration:none;font-weight:600;padding:10px 12px;display:block;border-radius:8px}
.nav a:hover{background:rgba(255,255,255,.08)}
.nav .btn{color:#111}
.has-sub{position:relative}
.sub{display:none!important;position:absolute;top:100%;left:0;background:var(--navy2);min-width:230px;flex-direction:column;padding:8px!important;border-radius:10px;box-shadow:0 10px 30px rgba(0,0,0,.3)}
.has-sub:hover .sub,.has-sub:focus-within .sub{display:flex!important}
.menu-btn{display:none;background:none;border:0;width:48px;height:48px;cursor:pointer;padding:12px}
.menu-btn span{display:block;height:3px;background:#fff;margin:4px 0;border-radius:2px}
@media(max-width:900px){
 .menu-btn{display:block}
 .nav{display:none;position:absolute;top:72px;left:0;right:0;background:var(--navy);flex-direction:column;align-items:stretch;padding:10px 20px 20px;border-top:1px solid rgba(255,255,255,.1)}
 .nav.open{display:flex}
 .nav ul{flex-direction:column}
 .sub{display:flex!important;position:static;box-shadow:none;background:none;padding:0 0 0 14px!important}
 .brand span{font-size:1rem}
}
.crumbs{font-size:.9rem;color:var(--muted);padding-top:14px;padding-bottom:0}
.crumbs a{color:var(--muted)}
/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:48px 0 56px;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:center}
.hero h1{color:#fff;text-transform:uppercase;font-style:italic;font-weight:900}
.hero h1 span{display:block;color:var(--orange);font-size:.62em;margin-top:.3em}
.eyebrow{color:var(--orange);font-weight:700;text-transform:uppercase;letter-spacing:.12em;font-size:.85rem}
.lead{font-size:1.15rem;color:inherit;opacity:.95}
.hero .btn-ghost{color:#fff}
.hero-img img{border-radius:var(--r);box-shadow:0 20px 50px rgba(0,0,0,.45);border:3px solid var(--orange)}
.ticks{list-style:none;padding:0;margin:0;display:flex;flex-wrap:wrap;gap:8px 20px}
.ticks li::before{content:"\2713  ";color:var(--orange);font-weight:900}
@media(max-width:820px){.hero-grid{grid-template-columns:1fr}.hero-img{max-width:460px}}
.page-hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:44px 0 40px}
.page-hero h1{color:#fff}
.page-hero .btn-ghost{color:#fff}
.page-hero a:not(.btn){color:#ffd2a6}
/* sections */
.section{padding:56px 0}
.alt{background:var(--soft)}
.sub-lead{color:var(--muted);margin-top:-.4em}
.center{text-align:center}
.grid{display:grid;gap:18px}
.g4{grid-template-columns:repeat(4,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
@media(max-width:960px){.g4{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.g4,.g3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.link-card{display:flex;flex-direction:column;gap:6px;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
.link-card:hover{transform:translateY(-3px);box-shadow:0 12px 28px rgba(11,31,58,.12);border-color:var(--orange)}
.link-card strong{color:var(--navy);font-size:1.15rem}
.link-card span{color:var(--muted)}
.link-card em{font-style:normal;color:var(--orange-d);font-weight:700;margin-top:auto}
.ico{width:52px;height:52px;border-radius:50%;border:2.5px solid var(--orange);display:grid;place-items:center;margin-bottom:6px}
.ico svg{width:26px;height:26px;fill:none;stroke:var(--navy);stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.two{display:grid;grid-template-columns:1fr 1fr;gap:40px}
@media(max-width:820px){.two{grid-template-columns:1fr;gap:24px}}
.steps{list-style:none;padding:0;margin:0 0 20px;display:grid;grid-template-columns:repeat(4,1fr);gap:18px;counter-reset:s}
.steps li{background:#fff;border-radius:var(--r);padding:22px;border:1px solid var(--line);counter-increment:s;display:flex;flex-direction:column;gap:4px}
.steps li::before{content:counter(s);width:36px;height:36px;border-radius:50%;background:var(--orange);color:#111;font-weight:800;display:grid;place-items:center;margin-bottom:6px}
.steps strong{color:var(--navy)}.steps span{color:var(--muted)}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:520px){.steps{grid-template-columns:1fr}}
.list{padding-left:1.2em}.list li{margin-bottom:.45em}
.mini-steps{padding-left:1.3em}.mini-steps li{margin-bottom:.5em}
.chips{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:8px}
.chips li{background:var(--navy);color:#fff;padding:6px 14px;border-radius:999px;font-weight:600;font-size:.95rem}
.note{border-left:5px solid var(--orange);background:#fff7ef;padding:22px 24px;border-radius:0 var(--r) var(--r) 0}
.warn{background:#fff3e6}
.note ol{margin:0;padding-left:1.2em}
.faq details{border:1px solid var(--line);border-radius:12px;margin-bottom:10px;background:#fff}
.faq summary{cursor:pointer;padding:16px 18px;font-weight:700;color:var(--navy);list-style:none}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";float:right;color:var(--orange);font-size:1.3em;line-height:1}
.faq details[open] summary::after{content:"\2013"}
.faq p{padding:0 18px 16px;margin:0;color:var(--muted)}
.cta-band{background:var(--orange);padding:44px 0;text-align:center}
.cta-band h2{color:var(--navy)}
.cta-band .btns{justify-content:center}
.cta-band .btn-primary{background:var(--navy);color:#fff}
.cta-band .btn-ghost{color:var(--navy)}
/* contact */
.contact-list{list-style:none;padding:0;margin:0}
.contact-list li{padding:12px 0;border-bottom:1px solid var(--line);display:flex;flex-direction:column}
.contact-list span{font-size:.85rem;color:var(--muted);text-transform:uppercase;letter-spacing:.06em}
.form label{display:block;font-weight:600;margin-bottom:14px;color:var(--navy)}
.form input,.form select,.form textarea{display:block;width:100%;margin-top:6px;padding:12px;border:1.5px solid var(--line);border-radius:10px;font:inherit}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--orange);border-color:var(--orange)}
.form .btn-ghost{color:var(--navy)}
.small{font-size:.88rem;color:var(--muted)}
/* footer */
.site-footer{background:var(--navy);color:#cdd6e3;padding:48px 0 90px;font-size:.95rem}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}
@media(max-width:760px){.fgrid{grid-template-columns:1fr}}
.site-footer h3{color:#fff;font-size:1.05rem}
.site-footer ul{list-style:none;padding:0;margin:0}.site-footer li{margin-bottom:8px}
.site-footer a{color:#fff}
.fname{color:#fff;font-weight:800;font-size:1.1rem;margin:10px 0 4px}
.copy{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;margin-top:30px;font-size:.82rem;opacity:.8}
.mobile-bar{position:fixed;bottom:0;left:0;right:0;display:none;background:var(--navy);z-index:60;box-shadow:0 -4px 16px rgba(0,0,0,.25)}
.mobile-bar a{flex:1;text-align:center;color:#fff;text-decoration:none;font-weight:700;padding:14px 0}
.mobile-bar a:first-child{background:var(--orange);color:#111}
@media(max-width:760px){.mobile-bar{display:flex}}
@media(min-width:761px){.site-footer{padding-bottom:48px}}
/* v2 additions */
.topbar{background:#06142a;color:#cdd6e3;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:center;flex-wrap:wrap;gap:4px 12px;padding-top:7px;padding-bottom:7px}
.topbar b{color:#fff}.topbar a{color:var(--orange);font-weight:700;text-decoration:none}
@media(max-width:600px){.topbar .tb-sep,.topbar span:nth-of-type(3){display:none}}
.brands{background:var(--soft);border-bottom:1px solid var(--line)}
.brand-row{display:flex;align-items:center;justify-content:center;flex-wrap:wrap;gap:12px 22px;padding-top:18px;padding-bottom:18px}
.brand-label{font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;color:var(--muted);font-weight:700}
.brand-row ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;justify-content:center;gap:10px}
.brand-row li{background:#fff;border:1px solid var(--line);border-radius:12px;padding:8px 16px;font-weight:800;color:var(--navy);box-shadow:0 2px 6px rgba(11,31,58,.06)}
.trust{background:#fff4e8;border-bottom:1px solid #ffd9b3}
.trust-row{list-style:none;margin:0 auto;display:flex;flex-wrap:wrap;justify-content:center;gap:10px 30px;padding-top:14px;padding-bottom:14px;font-weight:600;color:var(--navy);font-size:.95rem}
.trust-row li{display:flex;align-items:center;gap:8px}
.trust-row svg{width:20px;height:20px;fill:none;stroke:var(--orange-d);stroke-width:2;stroke-linecap:round;stroke-linejoin:round}
.eyebrow.center{display:block}
.section .eyebrow{color:var(--orange-d)}
.compare-wrap{max-width:860px;margin:26px auto 10px;border:2px solid var(--orange);border-radius:18px;overflow:hidden;box-shadow:0 14px 34px rgba(11,31,58,.1)}
.compare{width:100%;border-collapse:collapse;font-size:.98rem}
.compare thead th{background:var(--navy);color:#cdd6e3;font-weight:600;padding:16px 12px}
.compare thead th.us{color:var(--orange);font-weight:800}
.compare td,.compare tbody th{padding:14px 12px;border-top:1px solid var(--line);text-align:center}
.compare tbody th{font-weight:600;color:var(--navy);background:#fafbfd}
.compare td{color:var(--muted)}
.compare td.us{color:var(--navy);font-weight:800;background:#fff8f1}
@media(max-width:600px){.compare{font-size:.86rem}.compare td,.compare tbody th,.compare thead th{padding:10px 6px}}
/* v3: story */
.story{display:grid;grid-template-columns:1.5fr 1fr;gap:40px;align-items:start}
@media(max-width:860px){.story{grid-template-columns:1fr}}
.story .hl{color:var(--orange-d)}
.call-card{background:var(--navy);color:#fff;border-radius:18px;padding:26px}
.call-card h3{color:#fff;font-size:1.25rem}
.call-card dl{display:grid;grid-template-columns:1fr auto;gap:6px 10px;margin:16px 0 20px;padding-top:16px;border-top:1px solid rgba(255,255,255,.15)}
.call-card dd{margin:0;color:var(--orange);font-weight:700;text-align:right}
.call-card .btn{width:100%}
.stats{list-style:none;padding:0;margin:14px 0 0;display:grid;grid-template-columns:repeat(3,1fr);gap:10px}
.stats li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:16px 8px;text-align:center}
.stats b{display:block;font-size:1.7rem;color:var(--orange-d);font-weight:900}
.stats span{font-size:.82rem;color:var(--muted)}