:root{--navy:#0b1f3a;--navy2:#13305a;--accent:#f59e0b;--accent2:#d98200;--ink:#1b2432;--muted:#5b6678;--bg:#f5f7fa;--white:#fff;--r:14px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
h1,h2,h3{line-height:1.15;margin:0 0 .5em;letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}h2{font-size:clamp(1.7rem,3.5vw,2.4rem)}h3{font-size:1.2rem}
a{color:inherit}.wrap{max-width:1140px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;background:var(--accent);color:#000;padding:10px 14px;z-index:100}.skip:focus{left:10px;top:10px}
:focus-visible{outline:3px solid var(--accent);outline-offset:2px}
header.site{position:sticky;top:0;z-index:50;background:var(--navy);color:#fff;box-shadow:0 2px 12px rgba(0,0,0,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;font-weight:800;font-size:1.15rem}
.brand .mark{width:38px;height:38px;border-radius:9px;background:var(--accent);color:var(--navy);display:grid;place-items:center;font-weight:900}
.brand small{display:block;font-weight:500;font-size:.68rem;opacity:.75;letter-spacing:.05em;text-transform:uppercase}
nav ul{display:flex;gap:22px;list-style:none;margin:0;padding:0;align-items:center}
nav a{text-decoration:none;font-weight:600;font-size:.95rem;opacity:.9}nav a:hover{opacity:1;color:var(--accent)}
.btn{display:inline-block;background:var(--accent);color:#1a1200!important;font-weight:800;padding:13px 24px;border-radius:10px;text-decoration:none;border:0;cursor:pointer;font-size:1rem;transition:.15s}
.btn:hover{background:var(--accent2);transform:translateY(-1px)}
.btn.ghost{background:transparent;border:2px solid rgba(255,255,255,.5);color:#fff!important}.btn.ghost:hover{background:rgba(255,255,255,.1)}
.menu{display:none;background:none;border:0;color:#fff;font-size:1.7rem;cursor:pointer}
.hero{background:linear-gradient(115deg,rgba(11,31,58,.97) 40%,rgba(19,48,90,.9)),repeating-linear-gradient(90deg,#13305a 0 2px,transparent 2px 60px);color:#fff;padding:90px 0 80px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;left:0;right:0;bottom:0;height:8px;background:repeating-linear-gradient(90deg,var(--accent) 0 40px,transparent 40px 70px)}
.hero p.lead{font-size:1.2rem;max-width:620px;opacity:.9}.hero .eyebrow{color:var(--accent);font-weight:800;letter-spacing:.12em;text-transform:uppercase;font-size:.8rem}
.hero em{font-style:normal;color:var(--accent)}.cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.badges{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px}.badge{border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 14px;font-size:.85rem;background:rgba(255,255,255,.06)}
section{padding:80px 0}section.alt{background:var(--bg)}
.head{max-width:680px;margin-bottom:40px}.head p{color:var(--muted);font-size:1.05rem}.kicker{color:var(--accent2);font-weight:800;text-transform:uppercase;letter-spacing:.12em;font-size:.78rem}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid #e3e8ef;border-radius:var(--r);padding:28px;box-shadow:0 4px 18px rgba(11,31,58,.05)}
.card .ic{width:50px;height:50px;border-radius:12px;background:var(--navy);color:var(--accent);display:grid;place-items:center;font-size:1.5rem;margin-bottom:16px}
.card p{color:var(--muted);margin:0}
.states{display:flex;flex-wrap:wrap;gap:10px;margin-top:18px}.states span{background:var(--navy);color:#fff;padding:8px 16px;border-radius:8px;font-weight:700}
.states span.o{background:var(--accent);color:#1a1200}
.dark{background:var(--navy);color:#fff}.dark .head p,.dark .card p{color:#c4cee0}.dark .card{background:var(--navy2);border-color:#24477c;box-shadow:none}
.ph{background:#fff3cd;color:#664d03;padding:1px 7px;border-radius:5px;font-family:ui-monospace,Menlo,monospace;font-size:.88em;border:1px dashed #d4a017}
dl.facts{display:grid;grid-template-columns:auto 1fr;gap:10px 20px;margin:0}dl.facts dt{font-weight:700}dl.facts dd{margin:0;color:var(--muted)}
form{display:grid;gap:16px}.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{font-weight:700;font-size:.9rem;display:block;margin-bottom:6px}
input,select,textarea{width:100%;font:inherit;padding:12px 14px;border:1.5px solid #c9d2df;border-radius:10px;background:#fff}
input:focus,select:focus,textarea:focus{border-color:var(--navy2);outline:3px solid rgba(245,158,11,.4)}
.note{font-size:.85rem;color:var(--muted)}
footer{background:#071326;color:#b7c3d8;padding:50px 0 24px;font-size:.93rem}footer a{text-decoration:none}footer a:hover{color:var(--accent)}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1.4fr;gap:30px}footer h4{color:#fff;margin:0 0 10px}footer ul{list-style:none;padding:0;margin:0}footer li{margin:6px 0}
.legal{border-top:1px solid #1d2f4c;margin-top:30px;padding-top:18px;font-size:.82rem}
@media(max-width:860px){.g3,.g2,.fgrid,.row{grid-template-columns:1fr}section{padding:56px 0}.hero{padding:60px 0 56px}
.menu{display:block}nav ul{display:none;position:absolute;top:68px;left:0;right:0;background:var(--navy);flex-direction:column;padding:18px 20px 24px;gap:16px;align-items:flex-start}nav ul.open{display:flex}}
@media(prefers-reduced-motion:reduce){*{scroll-behavior:auto;transition:none!important}}