:root { --navy:#0c1626; --navy2:#122036; --steel:#c3d2e0; --orange:#f68b1f; --orange-d:#d97210; --white:#ffffff; --grey:#8fa3b8; }
* { margin:0; padding:0; box-sizing:border-box; }
body { font-family:'Poppins',system-ui,sans-serif; background:var(--navy); color:var(--steel); line-height:1.65; }
img { max-width:100%; display:block; }
a { color:var(--orange); text-decoration:none; }
.wrap { max-width:1200px; margin:0 auto; padding:0 28px; }
nav { position:sticky; top:0; z-index:50; background:rgba(12,22,38,.94); backdrop-filter:blur(6px); border-bottom:1px solid #1e3048; }
nav .wrap { display:flex; align-items:center; justify-content:space-between; height:104px; }
nav .logo img { height:88px; }
nav ul { display:flex; gap:24px; list-style:none; font-size:14px; font-weight:500; align-items:center; }
nav ul a { color:var(--steel); }
nav ul a:hover, nav ul a.active { color:var(--orange); }
.navcta { background:var(--orange); color:var(--navy)!important; padding:9px 18px; border-radius:4px; font-weight:600; }
.navphone { color:var(--white)!important; font-weight:600; }
#menubtn { display:none; background:none; border:2px solid var(--orange); color:var(--orange); font-size:22px; padding:2px 12px; border-radius:4px; cursor:pointer; }
.eyebrow { color:var(--orange); letter-spacing:.28em; font-size:13px; font-weight:600; text-transform:uppercase; }
h1, h2.pagetitle { font-size:clamp(30px,3.8vw,48px); font-weight:700; font-style:italic; color:var(--white); line-height:1.12; margin:10px 0 10px; }
section { padding:74px 0; }
.pagebanner + section, .pagebanner + div + section { padding-top:40px; }
.rule { width:120px; height:8px; background:var(--orange); margin:16px 0 26px; }
h2 { color:var(--white); font-size:clamp(26px,3vw,38px); font-weight:700; font-style:italic; }
h2.introh { font-size:clamp(22px,2.4vw,30px); }
h3 { color:var(--white); font-size:20px; font-weight:600; margin-bottom:8px; }
p + p { margin-top:14px; }
.muted { color:var(--grey); font-size:14px; }
.cards { display:grid; grid-template-columns:repeat(auto-fit,minmax(250px,1fr)); gap:22px; margin-top:36px; }
.card { background:var(--navy2); border:1px solid #1e3048; border-radius:8px; overflow:hidden; transition:transform .15s; }
.card:hover { transform:translateY(-4px); border-color:var(--orange); }
.card img { height:150px; width:100%; object-fit:cover; }
.card div { padding:20px; }
.card h3 { font-size:17px; }
.card p { font-size:14px; margin-top:6px; }
.strip { background:var(--navy2); border-top:3px solid var(--orange); border-bottom:1px solid #1e3048; }
.strip .wrap { display:grid; grid-template-columns:repeat(auto-fit,minmax(220px,1fr)); gap:30px; padding-top:44px; padding-bottom:44px; }
.stat b { display:block; color:var(--orange); font-size:34px; font-weight:700; font-style:italic; }
.stat span { font-size:14px; }
.pagebanner { position:relative; min-height:280px; display:flex; align-items:flex-end; background-size:cover; background-position:center; }
.pagebanner .inner { width:100%; padding:30px 0 30px; background:linear-gradient(0deg, rgba(12,22,38,.78), rgba(12,22,38,.15)); }
.pagebanner h1 { font-size:clamp(30px,3.6vw,48px); }
.pagebanner .brule { width:120px; height:8px; background:var(--orange); margin:10px 0 8px; }
.pagebanner .bsub { color:var(--steel); font-size:clamp(15px,1.6vw,19px); max-width:720px; }
.split { display:grid; grid-template-columns:1.15fr .85fr; gap:44px; align-items:start; }
.split.rev { grid-template-columns:.85fr 1.15fr; }
@media (max-width:860px) { .split, .split.rev { grid-template-columns:1fr; }
  nav ul { display:none; position:absolute; top:104px; left:0; right:0; background:var(--navy); flex-direction:column; padding:20px 28px; gap:18px; border-bottom:1px solid #1e3048; }
  nav ul.open { display:flex; } #menubtn { display:block; } }
figure { background:var(--navy2); border:1px solid #1e3048; border-radius:8px; overflow:hidden; }
figcaption { padding:12px 16px; font-size:13px; color:var(--grey); }
figure.cutout { padding:26px 26px 0; }
figure.cutout img { filter:drop-shadow(0 10px 22px rgba(0,0,0,.45)); }
figure.cutout figcaption { padding-left:0; }
.checklist { columns:2; column-gap:40px; margin-top:18px; font-size:15px; }
.checklist li { margin:0 0 9px 18px; }
@media (max-width:700px) { .checklist { columns:1; } }
.case { background:var(--navy2); border-left:4px solid var(--orange); border-radius:0 8px 8px 0; padding:24px 26px; margin-top:20px; }
.case b { color:var(--white); font-size:17px; }
.case .muted { margin-top:2px; margin-bottom:10px; }
.contingency { background:linear-gradient(135deg, #1a2c46, var(--navy2)); border:1px solid var(--orange); border-radius:10px; padding:30px 34px; margin-top:34px; display:flex; gap:26px; align-items:center; flex-wrap:wrap; }
.contingency b { color:var(--orange); font-size:26px; font-weight:700; font-style:italic; white-space:nowrap; }
.contingency p { flex:1; min-width:260px; }
.minis { display:grid; grid-template-columns:1fr 1fr; gap:22px; margin-top:36px; }
@media (max-width:760px) { .minis { grid-template-columns:1fr; } }
.minis.stackedcol { grid-template-columns:1fr; margin-top:26px; }
.mini { background:var(--navy2); border:1px solid #1e3048; border-top:3px solid var(--orange); border-radius:8px; padding:22px 24px; }
.mini h3 { font-size:16px; } .mini p { font-size:14.5px; margin-top:8px; }
.sectacta { display:inline-block; margin-top:34px; background:transparent; border:2px solid var(--orange); color:var(--orange); font-weight:600; padding:12px 26px; border-radius:4px; }
.sectacta:hover { background:var(--orange); color:var(--navy); }
.cta { display:inline-block; margin-top:18px; background:var(--orange); color:var(--navy); font-weight:600; padding:14px 30px; border-radius:4px; }
.cta:hover { background:var(--orange-d); }
.cform { max-width:640px; margin:34px auto 0; text-align:left; }
.cform label { display:block; font-size:13px; letter-spacing:.06em; text-transform:uppercase; color:var(--grey); margin:16px 0 6px; }
.cform input, .cform select, .cform textarea { width:100%; background:var(--navy); border:1px solid #2a4058; border-radius:4px; color:var(--steel); padding:12px 14px; font-family:inherit; font-size:15px; }
.cform textarea { min-height:110px; }
.cform .send { margin-top:24px; width:100%; background:var(--orange); color:var(--navy); font-weight:600; font-size:16px; padding:14px; border:none; border-radius:4px; cursor:pointer; }
.hp { position:absolute; left:-9999px; }
details.faq { background:var(--navy2); border:1px solid #1e3048; border-radius:8px; padding:16px 20px; margin-top:12px; }
details.faq summary { color:var(--white); font-weight:600; cursor:pointer; font-size:16px; }
details.faq p { margin-top:10px; font-size:15px; }
.floatright { float:right; margin:0 0 14px 26px; filter:drop-shadow(0 10px 24px rgba(0,0,0,.5)); }
.fullw-note { margin-top:34px; }
footer { background:#080f1c; border-top:1px solid #1e3048; padding:54px 0 40px; }
footer .flex { display:flex; flex-wrap:wrap; gap:40px; align-items:center; justify-content:space-between; }
footer img.flogo { height:100px; }
footer p { font-size:13.5px; color:var(--grey); }
.legal { margin-top:34px; padding-top:22px; border-top:1px solid #1e3048; text-align:center; }
.legal p { font-size:12.5px; }