:root{
  --navy:#12344a; --blue:#1a75a8; --light:#f4f8fb; --orange:#ef7f1a;
  --text:#263640; --muted:#60727e; --white:#fff; --max:1160px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.65;background:#fff}
img{max-width:100%;display:block}
a{color:inherit}
.wrap{width:min(var(--max),calc(100% - 36px));margin:auto}
.topbar{background:var(--navy);color:white;font-size:.92rem}
.topbar .wrap{display:flex;justify-content:flex-end;gap:22px;padding:8px 0}
.topbar a{text-decoration:none}
header{background:#fff;box-shadow:0 2px 14px rgba(0,0,0,.08);position:sticky;top:0;z-index:20}
.navrow{min-height:92px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{width:185px;height:auto}
.navlinks{display:flex;align-items:center;gap:24px}
.navlinks a{text-decoration:none;font-weight:700;color:var(--navy)}
.navlinks a:hover{color:var(--blue)}
.menu{display:none;background:none;border:0;font-size:30px}
.navdrop{position:relative}
.drop-toggle{display:flex;align-items:center;gap:5px}
.dropdown{display:none;position:absolute;top:100%;left:-18px;min-width:225px;background:#fff;border:1px solid #e4ebef;border-radius:8px;padding:9px;box-shadow:0 12px 28px rgba(0,0,0,.14)}
.dropdown a{display:block;padding:10px 12px;border-radius:5px;white-space:nowrap}
.dropdown a:hover{background:var(--light)}
.navdrop:hover .dropdown,.navdrop:focus-within .dropdown{display:block}

.btn{display:inline-block;text-decoration:none;background:var(--orange);color:white!important;font-weight:800;padding:13px 21px;border-radius:7px;border:0;cursor:pointer}
.btn.secondary{background:transparent;border:2px solid white}
.hero{background:linear-gradient(135deg,#12344a 0%,#155879 62%,#1f789f 100%);color:#fff;padding:95px 0 88px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;width:420px;height:420px;border:70px solid rgba(255,255,255,.05);border-radius:50%;right:-110px;top:-130px}
.hero .content{position:relative;z-index:1;max-width:790px}
.eyebrow{font-weight:800;text-transform:uppercase;letter-spacing:.14em;font-size:.82rem;color:#90d5f3}
.hero h1{font-size:clamp(2.6rem,6vw,5rem);line-height:1.02;margin:10px 0 22px}
.hero p{font-size:1.23rem;max-width:680px;margin-bottom:28px}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap}
.trustbar{background:#fff;border-bottom:1px solid #e4ebef}
.trustgrid{display:grid;grid-template-columns:repeat(4,1fr)}
.trustitem{text-align:center;padding:24px 14px;font-weight:800;color:var(--navy);border-right:1px solid #e4ebef}
.trustitem:last-child{border-right:0}
section{padding:72px 0}
.light{background:var(--light)}
.sectionhead{max-width:760px;margin:0 auto 40px;text-align:center}
.sectionhead h2,h2{color:var(--navy);font-size:clamp(1.9rem,3vw,2.8rem);line-height:1.15;margin-top:0}
.sectionhead p{color:var(--muted)}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.card{background:#fff;border:1px solid #e4ebef;border-radius:11px;padding:27px;box-shadow:0 7px 25px rgba(25,63,83,.07)}
.card h3{color:var(--blue);margin:0 0 10px}
.card p{margin:0 0 15px;color:var(--muted)}
.card a{font-weight:800;color:var(--blue);text-decoration:none}
.twocol{display:grid;grid-template-columns:1.1fr .9fr;gap:55px;align-items:center}
.checks{display:grid;grid-template-columns:1fr 1fr;gap:12px 22px;margin-top:25px}
.check{font-weight:700;color:var(--navy)}
.check:before{content:"✓";color:var(--orange);margin-right:9px;font-weight:900}
.panel{background:#fff;border-radius:12px;padding:34px;box-shadow:0 8px 30px rgba(20,55,75,.1)}
.innerhero{background:linear-gradient(135deg,#12344a,#176b91);color:#fff;padding:65px 0}
.innerhero h1{font-size:clamp(2.4rem,5vw,4rem);margin:0 0 10px;line-height:1.05}
.innerhero p{font-size:1.15rem;max-width:720px;margin:0}
.content{max-width:850px}
.content h2{margin-top:38px}
.content h3{color:var(--blue);font-size:1.35rem}
.content p{margin:0 0 20px}
.valuegrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin:35px 0}
.value{background:var(--light);padding:25px;border-radius:10px}
.value h3{margin-top:0;color:var(--navy)}
.quote{border-left:4px solid var(--orange);background:var(--light);padding:22px 25px;margin:25px 0;border-radius:0 8px 8px 0}
.cta{background:var(--blue);color:white;text-align:center}
.cta h2{color:#fff}
.cta p{font-size:1.08rem}
form{display:grid;gap:15px;max-width:720px}
label{font-weight:700;color:var(--navy)}
input,textarea{width:100%;padding:13px 14px;border:1px solid #cbd7de;border-radius:6px;font:inherit;margin-top:5px}
textarea{min-height:160px;resize:vertical}
footer{background:var(--navy);color:#dce8ee;padding:48px 0 25px}
.foot{display:grid;grid-template-columns:2fr 1fr 1fr;gap:40px}
footer h3{color:#fff;margin-top:0}
footer a{color:#fff}
.copyright{margin-top:35px;padding-top:20px;border-top:1px solid rgba(255,255,255,.15);font-size:.88rem}
@media(max-width:850px){
  .menu{display:block}
  .navlinks{display:none;position:absolute;left:0;right:0;top:92px;background:#fff;padding:24px;flex-direction:column;box-shadow:0 10px 20px rgba(0,0,0,.12)}
  .navlinks.open{display:flex}
  .navdrop{width:100%;text-align:center}
  .drop-toggle{justify-content:center}
  .dropdown{display:block;position:static;box-shadow:none;border:0;background:var(--light);margin-top:8px;padding:7px}
  .dropdown a{padding:8px 10px}
  .grid4,.trustgrid,.valuegrid{grid-template-columns:1fr 1fr}
  .twocol{grid-template-columns:1fr}
  .checks{grid-template-columns:1fr}
}
@media(max-width:540px){
  .grid4,.trustgrid,.valuegrid{grid-template-columns:1fr}
  .trustitem{border-right:0;border-bottom:1px solid #e4ebef}
  .hero{padding:72px 0}
  .topbar .wrap{justify-content:center}
  .topbar span{display:none}
  .logo{width:155px}
}