:root{--navy:#12304f;--blue:#1f5f99;--ink:#1c2630;--mut:#55636f;--bg:#fff;--soft:#f2f5f8;--line:#d9e0e6}
*{box-sizing:border-box}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg)}
a{color:var(--blue)}
.wrap{max-width:1060px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;gap:20px;min-height:64px;flex-wrap:wrap}
.brand{display:inline-flex;align-items:center;gap:10px;font-weight:700;font-size:1.3rem;color:var(--navy);text-decoration:none}
.brand img{border-radius:6px}
nav{flex:1}nav ul{list-style:none;margin:0;padding:0;display:flex;gap:4px;flex-wrap:wrap}
nav a{display:block;padding:8px 12px;text-decoration:none;color:var(--ink);border-radius:4px}
nav a:hover,nav a.active{background:var(--soft);color:var(--navy)}
.hdr-phone{font-weight:600;text-decoration:none;white-space:nowrap}
.nav-toggle,.nav-btn{display:none}
.hero{background:var(--navy);color:#fff;padding:56px 0}
.hero h1{font-size:2.2rem;line-height:1.2;margin:0 0 12px}
.lead{font-size:1.15rem;max-width:720px}
.pagehead{background:var(--soft);padding:36px 0;border-bottom:1px solid var(--line)}
.pagehead h1{margin:0 0 8px;font-size:2rem;line-height:1.2;color:var(--navy)}
.pagehead .lead{margin:0;color:var(--mut)}
.crumb{margin:0 0 6px;font-size:.9rem}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:12px 22px;border-radius:5px;text-decoration:none;font-weight:600;border:0;font-size:1rem;cursor:pointer}
.btn:hover{background:#174c7b}
.btn.alt{background:transparent;border:2px solid #fff;padding:10px 20px}
.block{padding:44px 20px}.content{padding-top:28px;padding-bottom:40px}
.narrow{max-width:760px}
h2{color:var(--navy);margin:1.6em 0 .5em;line-height:1.25}
.block h2:first-child,.band h2:first-child{margin-top:0}
.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.grid.two{grid-template-columns:repeat(2,1fr)}
.card{border:1px solid var(--line);border-radius:6px;padding:18px;background:#fff}
.card h3{margin:0 0 6px;color:var(--navy);font-size:1.1rem}.card p{margin:0 0 8px;color:var(--mut)}
.role{font-weight:600}
.band{background:var(--soft);padding:40px 0}
.two{display:grid;grid-template-columns:1fr 1fr;gap:36px}
.ticks{padding-left:0;list-style:none}.ticks li{padding-left:24px;position:relative;margin:6px 0}
.ticks li:before{content:"\2713";position:absolute;left:0;color:var(--blue);font-weight:700}
.svc{padding:8px 0 16px;border-bottom:1px solid var(--line)}.svc ul{margin:.4em 0 0}
.svc.featured{background:var(--soft);padding:16px 20px;border:1px solid var(--line);border-radius:6px;margin-bottom:12px}
.svc.featured h2{margin-top:0}
.cta{background:var(--navy);color:#fff;padding:40px 0;text-align:center}
.cta h2{color:#fff;margin:0 0 8px}.cta .or{margin-left:12px}.cta a:not(.btn){color:#fff}
form label{display:block;font-weight:600;margin:14px 0 4px}
form input,form select,form textarea{width:100%;padding:10px;border:1px solid #9aa7b2;border-radius:4px;font:inherit}
form button{margin-top:16px}
.fine{font-size:.9rem;color:var(--mut)}
.site-footer{background:#0d2238;color:#cfd8e0;padding:32px 0 16px;font-size:.95rem}
.site-footer a{color:#fff}.cols{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.site-footer .fine{margin-top:20px;color:#9fb0bf}
.crumb a{color:var(--blue)}
.steps{padding-left:1.2em}.steps li{margin:6px 0}
.related{line-height:2}
.btn.alt-dark{background:transparent;color:var(--blue);border:2px solid var(--blue);padding:10px 20px}
address{font-style:normal;margin-top:10px}
.narrow h3{margin:1.2em 0 .2em;color:var(--navy);font-size:1.05rem}
.card h3 a{text-decoration:none;color:inherit}.card h3 a:hover{text-decoration:underline}
:focus-visible{outline:3px solid #f5b301;outline-offset:2px}
@media(max-width:800px){
 .grid,.grid.two,.two,.cols{grid-template-columns:1fr}
 .hero h1{font-size:1.7rem}
 .nav-btn{display:inline-block;margin-left:auto;padding:8px 14px;border:1px solid var(--line);border-radius:4px;cursor:pointer}
 nav{display:none;flex-basis:100%;order:5}.nav-toggle:checked~nav{display:block}
 nav ul{flex-direction:column}.hdr-phone{display:none}
}
.card .value-line{color:var(--ink);font-weight:600}
.card .value-meaning{margin:12px 0 0;padding-top:10px;border-top:1px solid var(--line);font-size:.95rem}
.value-meaning strong{color:var(--navy)}