:root{--navy:#13294b;--red:#c8102e;--pink:#f2b8c0;--bg:#f7f7f8;--ink:#374151;--line:#d9dde4;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Poppins,system-ui,-apple-system,"Segoe UI",sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
.hero-grid>*,.inner>*,.pair>*,.lead-grid>*,.band .wrap>*,.why>*,.foot-grid>*{min-width:0}
a{color:var(--navy);text-underline-offset:3px}
a:hover{color:var(--red)}
:focus-visible{outline:3px solid var(--red);outline-offset:3px}
.wrap{max-width:1180px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:12px 18px;z-index:99}
.skip:focus{left:10px;top:10px}
h1,h2,h3{color:var(--navy);font-weight:800;line-height:1.15;margin:0 0 .5em}
h1,h2{text-transform:uppercase;letter-spacing:.01em}
h2{font-size:clamp(1.6rem,3vw,2.2rem)}
h3{font-size:1.25rem}
.ic{flex:none;vertical-align:middle}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:10px 22px;border-radius:4px;font-weight:600;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:#0b1a31;color:#fff}
.btn-red{background:var(--red);color:#fff}
.btn-red:hover{background:#9f0c24;color:#fff}
.btn-outline{border-color:#fff;color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-line{border-color:var(--navy);color:var(--navy);background:#fff}
.btn-line:hover{background:var(--navy);color:#fff}
/* header */
.site-header{background:#fff;position:relative;z-index:10}
.util{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:12px;padding-bottom:12px}
.logo{display:flex;flex-direction:column;justify-content:center;min-height:48px;text-decoration:none;line-height:1.2}
.logo-name{font-weight:800;color:var(--navy);font-size:1.3rem;text-transform:uppercase;letter-spacing:.02em}
.logo-sub{font-size:.85rem;color:var(--ink)}
.util-right{display:flex;align-items:center;gap:20px}
.trust{font-size:.9rem;color:var(--ink);border-left:3px solid var(--red);padding-left:10px}
.util-phone{display:inline-flex;align-items:center;gap:6px;font-weight:800;color:var(--navy);text-decoration:none;font-size:1.1rem;min-height:44px}
.menu-btn{display:none;min-height:48px;padding:8px 18px;background:var(--navy);color:#fff;border:0;border-radius:4px;font:600 1rem Poppins,sans-serif}
.navbar{background:var(--navy)}
.navbar ul{list-style:none;display:flex;justify-content:center;flex-wrap:wrap;margin:0 auto;padding-top:0;padding-bottom:0}
.navbar a{display:block;color:#fff;text-decoration:none;font-weight:600;padding:14px 16px;min-height:48px}
.navbar a:hover,.navbar a[aria-current]{background:var(--red);color:#fff}
.nav-call{display:none}
/* home hero */
.hero{position:relative;background:#fff;overflow:hidden}
.hero-grid{display:grid;grid-template-columns:1fr 1fr;min-height:560px}
.hero-text{padding:56px 40px 56px max(22px,calc((100vw - 1180px)/2 + 22px))}
.hero-brand{font-weight:800;color:var(--navy);margin:0;text-transform:uppercase;letter-spacing:.04em}
.tagline{color:var(--red);font-weight:600;font-size:.95rem;margin:2px 0 14px}
.rule{width:80px;height:4px;background:var(--navy);margin:0 0 22px}
.hero h1{font-size:clamp(2.2rem,4.6vw,3.7rem);line-height:1.02;margin-bottom:22px}
.hero h1 span{display:block}
.hero-lead{max-width:34em}
.hero-btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}
.hero-photo{position:relative;clip-path:polygon(18% 0,100% 0,100% 100%,0 100%)}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-tri{position:absolute;right:0;bottom:0;width:0;height:0;border-left:170px solid transparent;border-bottom:150px solid var(--navy);z-index:2}
/* sections */
.sec{padding:72px 0}
.sec-grey{background:var(--bg)}
.sec-title{text-align:center;max-width:820px;margin:0 auto 40px}
.sec-title h2:after{content:"";display:block;width:70px;height:3px;background:var(--navy);margin:14px auto 0}
.pair{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.offset{position:relative;padding:0 28px 28px 0}
.offset:before{content:"";position:absolute;right:0;bottom:0;width:78%;height:78%;background:var(--navy)}
.offset img{position:relative;width:100%;aspect-ratio:4/3;object-fit:cover}
.offset:after{content:"";position:absolute;left:-14px;top:-14px;border-right:60px solid transparent;border-top:60px solid var(--red)}
.checks{list-style:none;padding:0;margin:20px 0}
.checks li{display:flex;gap:10px;align-items:flex-start;margin:0 0 10px}
.checks .ic{color:var(--red);margin-top:4px}
/* tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr)}
.tile{position:relative;min-height:330px;padding:34px 30px;color:#fff;display:flex;flex-direction:column;justify-content:flex-end;text-decoration:none;overflow:hidden}
.tile:nth-child(1){background:linear-gradient(160deg,#1d3a66,#13294b)}
.tile:nth-child(2){background:linear-gradient(160deg,#c8102e,#8f0b21)}
.tile:nth-child(3){background:linear-gradient(160deg,#0b1a31,#13294b)}
.tile .tile-ic{position:absolute;top:30px;left:30px;color:#fff;opacity:.9}
.tile:before{content:"";position:absolute;right:-60px;top:-60px;width:220px;height:220px;border:28px solid rgba(255,255,255,.08);transform:rotate(45deg)}
.tile h3{color:#fff;text-transform:uppercase;font-size:1.4rem;margin:0 0 8px}
.tile p{margin:0 0 12px}
.tile .more{font-weight:600;display:inline-flex;align-items:center;gap:6px}
.tile:hover{color:#fff}
.tile:hover .more{text-decoration:underline}
/* why grid */
.why{display:grid;grid-template-columns:1fr 1.05fr 1fr;gap:36px;align-items:start}
.topic{margin-bottom:28px}
.topic h3{text-transform:uppercase;font-size:1.05rem;border-bottom:2px solid var(--navy);padding-bottom:8px;display:flex;gap:8px;align-items:center}
.topic h3 .ic{color:var(--red)}
.topic p{margin:0 0 6px}
.center-stat{background:var(--navy);color:#fff;border-radius:50%;aspect-ratio:1;display:flex;flex-direction:column;align-items:center;justify-content:center;text-align:center;padding:40px;border:10px solid #fff;outline:4px solid var(--red);margin:0 auto 28px;max-width:320px}
.center-stat .big{font-size:3.4rem;font-weight:800;line-height:1}
.center-stat p{margin:8px 0 0;color:#fff}
/* feature band */
.band{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:72px 0}
.band:before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,rgba(255,255,255,.04) 0 40px,transparent 40px 80px)}
.band .wrap{position:relative;display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.band h2{color:#fff;font-size:clamp(1.9rem,3.6vw,2.8rem)}
.band p{color:#fff}
.band .label{color:var(--pink);font-weight:600;text-transform:uppercase;letter-spacing:.06em;font-size:.9rem}
.band a:not(.btn){color:#fff}
/* facts */
.facts{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.fact{background:#fff;border-top:5px solid var(--red);padding:26px;box-shadow:0 2px 0 var(--line)}
.fact .num{font-size:2.2rem;font-weight:800;color:var(--navy);line-height:1.1}
.fact p{margin:6px 0 0}
.note{font-size:.95rem;color:#4b5563}
/* note card */
.peter{background:var(--bg);border-left:6px solid var(--red);padding:30px 34px;max-width:900px;margin:0 auto}
.peter .sig{font-weight:600;color:var(--navy);margin-bottom:0}
/* faq */
.faq{max-width:900px;margin:0 auto}
.faq h2{text-align:center}
details{border-bottom:1px solid var(--line);padding:6px 0}
summary{cursor:pointer;font-weight:600;color:var(--navy);padding:12px 0;min-height:44px;list-style-position:outside}
details p{margin:0 0 14px}
/* inner */
.banner{background:var(--navy);color:#fff;padding:46px 0}
.banner-row{display:flex;justify-content:space-between;align-items:center;gap:30px}
.banner h1{color:#fff;font-size:clamp(1.9rem,4vw,2.9rem);margin:0;max-width:22ch}
.kicker{color:var(--pink);font-weight:600;margin:0 0 8px;font-size:.95rem}
.banner-side{text-align:right;display:flex;flex-direction:column;align-items:flex-end;gap:12px}
.banner-brand{margin:0;font-weight:800;text-transform:uppercase;letter-spacing:.04em}
.crumbs{font-size:.9rem;padding:14px 0;color:#4b5563}
.crumbs a{color:#4b5563}
.inner{display:grid;grid-template-columns:68fr 28fr;gap:4%;padding-bottom:64px}
.content>img,.content figure img{width:100%;aspect-ratio:16/9;object-fit:cover}
.content figure{margin:28px 0}
.content figcaption{font-size:.9rem;color:#4b5563;margin-top:6px}
.content h2{border-top:3px solid var(--navy);padding-top:18px;margin-top:40px;font-size:clamp(1.4rem,2.6vw,1.9rem)}
.content h3{display:flex;align-items:center;gap:10px;text-transform:uppercase;font-size:1rem;letter-spacing:.03em}
.content h3:before{content:"";width:10px;height:10px;background:var(--red);flex:none}
.content ul{padding-left:1.2em}
.content li{margin-bottom:8px}
.callout{background:var(--bg);border-left:5px solid var(--red);padding:18px 22px;margin:24px 0}
.callout p{margin:0}
table{width:100%;border-collapse:collapse;margin:20px 0;font-size:1rem}
th,td{border:1px solid var(--line);padding:12px;text-align:left;vertical-align:top}
thead th{background:var(--navy);color:#fff}
tbody tr:nth-child(even){background:var(--bg)}
.tbl{overflow-x:auto}
.side{position:relative}
.promo{background:var(--navy);color:#fff;padding:30px 26px;position:sticky;top:20px}
.promo p{color:#fff}
.promo-ic{color:var(--pink)}
.promo-h{font-weight:800;text-transform:uppercase;font-size:1.3rem;line-height:1.2;margin:12px 0 10px}
.promo .btn{width:100%;margin-top:6px}
.promo-phone{display:block;text-align:center;color:#fff;margin-top:12px;font-weight:600;min-height:44px;line-height:44px}
.promo-phone:hover{color:var(--pink)}
.side-links{margin-top:28px;border:1px solid var(--line);padding:22px}
.side-h{font-weight:800;text-transform:uppercase;color:var(--navy);margin:0 0 8px}
.side-links ul{list-style:none;padding:0;margin:0}
.side-links a{display:flex;align-items:center;gap:6px;padding:8px 0;min-height:44px;text-decoration:none}
.steps{counter-reset:s;list-style:none;padding:0}
.steps li{counter-increment:s;position:relative;padding-left:58px;margin-bottom:18px}
.steps li:before{content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;background:var(--red);color:#fff;font-weight:800;display:flex;align-items:center;justify-content:center}
.fac{border:1px solid var(--line);padding:20px 22px;margin:16px 0;display:grid;grid-template-columns:auto 1fr;gap:16px}
.fac .ic{color:var(--red)}
.fac h3{margin:0 0 4px;text-transform:none;font-size:1.15rem;letter-spacing:0}
.fac h3:before{display:none}
.fac p{margin:2px 0}
.fac .net{font-size:.95rem;color:#4b5563;margin-top:8px}
/* lead */
.lead-sec{background:var(--bg);padding:64px 0}
.lead-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.quote-box{background:var(--navy);color:#fff;padding:36px;position:relative}
.quote-box:after{content:"";position:absolute;right:0;bottom:0;border-left:70px solid transparent;border-bottom:70px solid var(--red)}
.quote-box p{color:#fff}
.quote-h{font-weight:800;text-transform:uppercase;font-size:1.3rem}
.sig{font-weight:600}
.form-box h2{font-size:1.6rem}
/* footer */
.site-footer{background:var(--navy);color:#fff;margin-top:0;position:relative}
.foot-tab{position:absolute;top:-24px;left:50%;transform:translateX(-50%)}
.foot-tab a{display:inline-block;background:var(--navy);color:#fff;font-weight:800;text-transform:uppercase;padding:10px 26px;text-decoration:none;min-height:48px;border-top:4px solid var(--red)}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px;padding-top:64px;padding-bottom:40px}
.site-footer a{color:#fff}
.site-footer a:hover{color:var(--pink)}
.site-footer p{margin:0 0 8px;display:flex;gap:8px;align-items:center}
.foot-name{font-weight:800;text-transform:uppercase;font-size:1.25rem}
.foot-sub{font-size:.95rem}
.foot-tag{color:var(--pink);font-size:.95rem}
.foot-h{font-weight:800;text-transform:uppercase;color:var(--pink)!important}
.foot-links ul{list-style:none;padding:0;margin:0}
.foot-links a{display:inline-block;padding:6px 0;min-height:44px}
.foot-bar{background:var(--red);padding:22px 0;font-size:.92rem}
.foot-bar p{display:block;color:#fff;margin:0 0 8px}
.disclaimer{color:#fff}
/* responsive */
@media (max-width:960px){
.hero-grid,.pair,.band .wrap,.lead-grid,.inner,.why,.foot-grid{grid-template-columns:1fr}
.hero-text{padding:40px 22px}
.hero-photo{clip-path:polygon(0 12%,100% 0,100% 100%,0 100%);min-height:300px}
.tiles,.facts{grid-template-columns:1fr}
.tile{min-height:260px}
.banner-row{flex-direction:column;align-items:flex-start}
.banner-side{align-items:flex-start;text-align:left}
.promo{position:static}
}
@media (max-width:760px){
.trust,.util-right{display:none}
.menu-btn{display:inline-block}
.navbar{display:none}
.navbar.open{display:block}
.navbar ul{flex-direction:column;padding:0}
.navbar a{padding:14px 22px;border-top:1px solid rgba(255,255,255,.12)}
.nav-call{display:block}
.sec{padding:52px 0}
.hero-btns .btn{width:100%}
}