:root{--navy:#07182e;--navy2:#0d2f54;--blue:#164d7d;--red:#e51e34;--red2:#b80f25;--ink:#071427;--muted:#526276;--soft:#f3f5f8;--line:#dce2e9;--white:#fff;--gold:#f1c46a;--shadow:0 18px 50px rgba(5,22,43,.12)}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,"Segoe UI",sans-serif;line-height:1.58}
img{max-width:100%}
a{color:inherit}
:focus-visible{outline:3px solid #f0b429;outline-offset:3px}
.skip-link{position:absolute;left:-9999px;top:10px;z-index:100;padding:10px 14px;background:#fff;color:#000}.skip-link:focus{left:10px}
.wrap{width:min(1180px,calc(100% - 36px));margin-inline:auto}
.topbar{background:var(--navy);color:#fff;font-size:13px;font-weight:800;letter-spacing:.03em}.topbar .wrap{display:flex;justify-content:space-between;gap:18px;padding:8px 0}.topbar a{text-decoration:none}
.site-header{position:sticky;top:0;z-index:30;border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);backdrop-filter:blur(14px)}
.header-row{display:flex;align-items:center;justify-content:space-between;min-height:88px;gap:24px}
.brand img{display:block;width:auto;height:62px}
.nav{display:flex;align-items:center;gap:22px}.nav a{text-decoration:none;color:var(--navy);font-size:14px;font-weight:900}.nav a:hover,.nav a:focus-visible{color:var(--red)}
.phone-lockup{display:flex;align-items:center;gap:11px;text-decoration:none;color:var(--navy);white-space:nowrap}.phone-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:#fff0f2;color:var(--red);font-size:20px}.phone-lockup small,.phone-lockup strong{display:block}.phone-lockup small{font-size:11px}.phone-lockup strong{font-size:18px}
.hero{position:relative;overflow:hidden;background:linear-gradient(105deg,rgba(6,23,45,.99) 0%,rgba(6,23,45,.96) 43%,rgba(12,54,93,.82) 100%),radial-gradient(circle at 80% 20%,#1a568a,transparent 44%);color:#fff}
.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(120deg,transparent 0 47%,rgba(255,255,255,.035) 47% 47.3%,transparent 47.3% 100%);pointer-events:none}
.hero-grid{position:relative;display:grid;grid-template-columns:minmax(0,1.02fr) minmax(420px,.98fr);align-items:center;gap:36px;padding:42px 0 52px}
.eyebrow{display:flex;align-items:center;gap:9px;margin:0 0 14px;color:#fff;font-size:13px;font-weight:950;letter-spacing:.065em;text-transform:uppercase}.eyebrow:before{content:"★";color:var(--red);font-size:17px}
.hero h1{max-width:690px;margin:0;font-size:clamp(39px,5vw,66px);line-height:.94;letter-spacing:-.045em}.hero h1 .accent{display:block;color:var(--red)}
.hero-copy{max-width:650px;margin:21px 0 0;color:#f0f5fb;font-size:17px;font-weight:650}
.fact-box{display:flex;gap:14px;margin-top:24px;padding:16px;border:1px solid rgba(255,255,255,.22);border-radius:12px;background:rgba(255,255,255,.08);font-size:12px;font-weight:800}.fact-icon{display:grid;flex:0 0 auto;place-items:center;width:44px;height:44px;border:1px solid rgba(255,255,255,.65);border-radius:50%;font-size:20px}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:24px}.button{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:12px 19px;border:2px solid var(--red);border-radius:10px;background:linear-gradient(135deg,var(--red),var(--red2));color:#fff;text-decoration:none;font-size:13px;font-weight:950;letter-spacing:.015em;box-shadow:0 12px 24px rgba(229,30,52,.25)}.button.secondary{border-color:#fff;background:#fff;color:var(--navy);box-shadow:none}.button.ghost{border-color:rgba(255,255,255,.42);background:transparent;box-shadow:none}
.video-shell{overflow:hidden;border:1px solid rgba(255,255,255,.65);border-radius:17px;background:#000;box-shadow:0 24px 50px rgba(0,0,0,.36)}.video-shell iframe{display:block;width:100%;aspect-ratio:16/9;border:0}.video-caption{padding:11px 14px;background:#06101e;color:#eef5fc;font-size:12px;font-weight:800}
.hero-panel{overflow:hidden;border:1px solid rgba(255,255,255,.5);border-radius:17px;background:rgba(4,17,33,.78);box-shadow:0 24px 50px rgba(0,0,0,.32)}.hero-panel-title{padding:20px 22px;border-bottom:1px solid rgba(255,255,255,.15);font-size:14px;font-weight:950;letter-spacing:.06em;text-transform:uppercase}.policy-split{display:grid;grid-template-columns:1fr 1fr}.policy-hero-card{padding:25px 22px}.policy-hero-card+.policy-hero-card{border-left:1px solid rgba(255,255,255,.15)}.policy-hero-card .policy-label{display:inline-flex;margin-bottom:14px;padding:6px 9px;border-radius:7px;background:var(--red);font-size:11px;font-weight:950;text-transform:uppercase}.policy-hero-card:nth-child(2) .policy-label{background:#fff;color:var(--navy)}.policy-hero-card h2{margin:0;font-size:26px;line-height:1}.policy-hero-card p{margin:12px 0 0;color:#dce8f5;font-size:14px}.hero-panel-foot{padding:16px 22px;border-top:1px solid rgba(255,255,255,.15);color:#dce8f5;font-size:12px;font-weight:800}
.trust-strip{position:relative;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 10px 26px rgba(7,24,46,.07)}.trust-grid{display:grid;grid-template-columns:repeat(5,1fr)}.trust-item{display:flex;align-items:center;justify-content:center;min-height:86px;padding:15px;border-right:1px solid var(--line);text-align:center}.trust-item:last-child{border:0}.trust-item strong{display:block;color:var(--navy);font-size:13px;line-height:1.15}.trust-item span{display:block;margin-top:4px;color:var(--muted);font-size:11px;line-height:1.25}
.section{padding:72px 0}.section.soft{background:var(--soft)}.section.navy{background:var(--navy);color:#fff}.section-head{max-width:780px;margin-bottom:30px}.section-head .kicker{margin:0 0 8px;color:var(--red);font-size:12px;font-weight:950;letter-spacing:.08em;text-transform:uppercase}.section-head h2{margin:0;color:var(--navy);font-size:clamp(31px,4vw,49px);line-height:1.02;letter-spacing:-.035em}.section-head p{margin:14px 0 0;color:var(--muted);font-size:18px}.navy .section-head h2{color:#fff}.navy .section-head p{color:#dce8f5}
.intro-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:38px;align-items:start}.body-copy h2,.body-copy h3{color:var(--navy);line-height:1.15}.body-copy h2{font-size:34px}.body-copy h3{margin-top:28px;font-size:23px}.body-copy p{color:var(--muted);font-size:17px}.body-copy ul,.body-copy ol{padding-left:22px;color:var(--muted)}.body-copy li+li{margin-top:9px}
.callout{padding:26px;border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:var(--shadow)}.callout strong{display:block;color:var(--navy);font-size:22px;line-height:1.15}.callout p{margin:11px 0 0;color:var(--muted)}.callout.danger{border-top:5px solid var(--red)}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{padding:27px;border:1px solid var(--line);border-radius:15px;background:#fff;box-shadow:0 12px 34px rgba(7,24,46,.07)}.card-number{display:grid;place-items:center;width:43px;height:43px;margin-bottom:18px;border-radius:11px;background:var(--red);color:#fff;font-weight:950}.card h3{margin:0;color:var(--navy);font-size:21px;line-height:1.16}.card p{margin:11px 0 0;color:var(--muted)}
.compare{overflow-x:auto;border:1px solid var(--line);border-radius:14px;background:#fff;box-shadow:var(--shadow)}table{width:100%;border-collapse:collapse}th,td{padding:18px;text-align:left;vertical-align:top;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff}tr:last-child td{border-bottom:0}
.checklist{display:grid;grid-template-columns:repeat(2,1fr);gap:13px;margin:0;padding:0;list-style:none}.checklist li{position:relative;padding:16px 16px 16px 47px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--muted);box-shadow:0 8px 22px rgba(7,24,46,.05)}.checklist li:before{content:"✓";position:absolute;left:16px;top:15px;display:grid;place-items:center;width:22px;height:22px;border-radius:50%;background:var(--navy);color:#fff;font-weight:950}
.faq{display:grid;gap:13px}.faq details{padding:19px 22px;border:1px solid var(--line);border-radius:12px;background:#fff}.faq summary{cursor:pointer;color:var(--navy);font-size:18px;font-weight:950}.faq p{margin:12px 0 0;color:var(--muted)}
.resources{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.resource-link{display:block;padding:20px;border:1px solid var(--line);border-radius:12px;background:#fff;color:var(--navy);text-decoration:none;font-weight:900}.resource-link span{display:block;margin-top:6px;color:var(--muted);font-size:13px;font-weight:600}
.notice{padding:19px;border:1px solid #efcf84;border-radius:12px;background:#fff8e7;color:#624a18;font-size:14px}.notice strong{color:#3f2c08}
.cta-band{background:linear-gradient(110deg,var(--red),#9f0e20);color:#fff}.cta-row{display:flex;align-items:center;justify-content:space-between;gap:28px;padding:42px 0}.cta-row h2{margin:0;font-size:34px;line-height:1.05}.cta-row p{margin:8px 0 0}.cta-row .actions{margin:0}
.site-footer{padding:44px 0;background:#061325;color:#fff}.footer-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:30px}.footer-grid img{height:54px;width:auto}.footer-grid h3{margin:0 0 10px}.footer-grid a{display:block;margin:6px 0;color:#dce7f3;text-decoration:none}.footer-small{margin-top:28px;padding-top:22px;border-top:1px solid rgba(255,255,255,.16);color:#aebed0;font-size:12px}
@media(max-width:980px){.nav{display:none}.hero-grid{grid-template-columns:1fr;padding-top:48px}.video-shell{max-width:760px}.trust-grid{grid-template-columns:repeat(2,1fr)}.trust-item{border-bottom:1px solid var(--line)}.card-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:720px){.topbar .wrap{flex-direction:column;gap:3px}.header-row{min-height:76px}.brand img{height:50px}.phone-lockup small{display:none}.phone-lockup strong{font-size:14px}.hero-grid{padding:38px 0}.hero h1{font-size:43px}.intro-grid,.card-grid,.checklist,.resources,.footer-grid,.policy-split{grid-template-columns:1fr}.policy-hero-card+.policy-hero-card{border-left:0;border-top:1px solid rgba(255,255,255,.15)}.trust-grid{grid-template-columns:1fr}.trust-item{border-right:0}.cta-row{align-items:flex-start;flex-direction:column}.section{padding:55px 0}.actions .button{width:100%}}