:root{--navy:#10233f;--blue:#245f9e;--sky:#eaf3fb;--gold:#d6a84b;--ink:#172033;--muted:#5f6b7a;--white:#fff;--line:#dce4ec;--green:#17735b}
*{box-sizing:border-box} html{scroll-behavior:smooth} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{color:inherit} .container{width:min(1120px,92%);margin:auto}.topbar{background:var(--navy);color:#fff;font-size:.9rem;padding:.45rem 0;text-align:center}
header{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid var(--line)} .nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 0}
.brand{text-decoration:none;display:flex;align-items:center;gap:11px}.mark{width:42px;height:42px;border-radius:12px;background:linear-gradient(135deg,var(--navy),var(--blue));color:#fff;display:grid;place-items:center;font-weight:800;letter-spacing:-1px}
.brand strong{display:block;color:var(--navy);font-size:1.1rem}.brand small{display:block;color:var(--muted);font-size:.72rem}.links{display:flex;align-items:center;gap:22px}.links a{text-decoration:none;font-weight:700;font-size:.92rem}.btn{display:inline-block;border:0;border-radius:9px;background:var(--gold);color:#14213a;text-decoration:none;font-weight:800;padding:12px 18px;cursor:pointer}.btn.blue{background:var(--blue);color:#fff}.btn.outline{background:transparent;border:2px solid var(--blue);color:var(--blue)}
.menu{display:none;background:none;border:0;font-size:1.5rem}
.hero{background:linear-gradient(120deg,#f7fbff 0%,#e9f3fb 60%,#fff8e8 100%);padding:76px 0}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:52px;align-items:center}
.eyebrow{font-weight:800;color:var(--blue);text-transform:uppercase;letter-spacing:.08em;font-size:.78rem}.hero h1{font-size:clamp(2.5rem,5vw,4.7rem);line-height:1.03;margin:.35rem 0 1rem;color:var(--navy);letter-spacing:-.04em}.hero p{font-size:1.15rem;color:var(--muted);max-width:650px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:26px}
.card{background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px;box-shadow:0 14px 40px rgba(16,35,63,.08)}.quote-card h2{margin-top:0;color:var(--navy)}.check{display:flex;gap:10px;margin:13px 0}.check b{color:var(--green)}
section{padding:72px 0}.section-title{text-align:center;max-width:720px;margin:0 auto 36px}.section-title h2{font-size:2.2rem;color:var(--navy);margin:.2rem 0}.section-title p{color:var(--muted)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.service h3{color:var(--navy);font-size:1.35rem}.service p{color:var(--muted)}.service a{font-weight:800;color:var(--blue)}
.steps{background:var(--navy);color:#fff}.steps .section-title h2,.steps .section-title p{color:#fff}.stepnum{width:42px;height:42px;border-radius:50%;background:var(--gold);color:var(--navy);display:grid;place-items:center;font-weight:900}
.cta{background:var(--sky)} .cta-box{display:flex;justify-content:space-between;align-items:center;gap:30px}.cta h2{color:var(--navy);font-size:2rem;margin:0}
.page-hero{padding:58px 0;background:var(--sky)}.page-hero h1{color:var(--navy);font-size:2.7rem;margin:.2rem 0}.page-hero p{max-width:720px;color:var(--muted)}
.form-wrap{display:grid;grid-template-columns:.8fr 1.2fr;gap:35px;align-items:start}label{font-weight:700;font-size:.9rem}input,select,textarea{width:100%;padding:13px 12px;border:1px solid #b9c5d1;border-radius:8px;font:inherit;margin:5px 0 14px;background:#fff}.row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.consent{font-size:.78rem;color:var(--muted);line-height:1.45}.notice{padding:15px;border-left:4px solid var(--gold);background:#fff8e8;border-radius:6px;font-size:.9rem}
footer{background:#0b182b;color:#d9e2ee;padding:44px 0 20px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:30px}footer a{color:#fff}footer small{color:#aab6c5}.legal{border-top:1px solid #314158;margin-top:30px;padding-top:18px;font-size:.78rem;color:#aab6c5}
@media(max-width:820px){.hero-grid,.form-wrap,.grid3,.footer-grid{grid-template-columns:1fr}.links{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;padding:20px;box-shadow:0 10px 20px #0002;flex-direction:column}.links.open{display:flex}.menu{display:block}.hero{padding:50px 0}.cta-box{display:block}.cta-box .btn{margin-top:20px}.row{grid-template-columns:1fr}}

/* TCR/SMS disclosures */
.sms-disclosure { font-size: 0.95rem; line-height: 1.55; margin-top: 12px; }
.sms-disclosure p { font-size: inherit; line-height: inherit; }
.sms-disclosure-hero { max-width: 680px; margin-top: 14px; }