:root{--navy:#0B2A6F;--navy2:#0E3A8C;--blue:#1556D6;--blue2:#1F6BFF;--yellow:#FFC20E;--yellow2:#F5A800;--ink:#0D1B3E;--txt:#2B3A55;--mut:#5C6B85;--line:#E1E8F2;--bg:#F3F7FD}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:Montserrat,system-ui,-apple-system,"Segoe UI",Arial,sans-serif;font-size:16px;line-height:1.6;color:var(--txt);background:#fff;padding-bottom:70px}
@media(min-width:761px){body{padding-bottom:0}}
a{color:var(--blue);text-decoration:none}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--yellow);outline-offset:2px}
img{max-width:100%;display:block}
.wrap{max-width:1280px;margin:0 auto;padding:0 28px}.narrow{max-width:820px}
.ic{width:22px;height:22px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;flex:none}.ic.sm{width:17px;height:17px}.ic.xs{width:14px;height:14px;stroke-width:3}
h1,h2,h3,h4{color:var(--ink);line-height:1.12;font-weight:800;letter-spacing:-.015em}
h2{font-size:clamp(1.6rem,2.8vw,2.2rem)}
.k{display:flex;align-items:center;gap:10px;font-weight:600;font-size:.92rem;color:var(--ink);margin-bottom:8px}
.k:before{content:"";width:34px;height:3px;background:var(--blue);border-radius:2px}
.center{text-align:center}.center .k{justify-content:center}
.muted{color:var(--mut);margin:12px 0 20px}

/* topbar marquee */
.topbar{overflow:hidden}
.marquee{display:flex;width:max-content;animation:mq 38s linear infinite}
.topbar:hover .marquee{animation-play-state:paused}
.mq-track{display:flex;flex:none}
.mq-track span{display:flex;align-items:center;gap:8px;padding:0 34px;height:42px;white-space:nowrap;position:relative}
.mq-track span:after{content:"";position:absolute;right:0;top:50%;width:5px;height:5px;border-radius:50%;background:var(--yellow);transform:translate(50%,-50%)}
.mq-track a{color:var(--yellow);font-weight:800}
.mq-track .ic{color:var(--yellow)}
@keyframes mq{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.marquee{animation:none}}
/* topbar */
.topbar{background:var(--navy);color:#fff;font-size:.86rem;font-weight:500}
.tb-in{display:flex;justify-content:space-between;align-items:center;height:42px;gap:20px}
.tb-in span{display:flex;align-items:center;gap:8px}
.tb-in .ic{color:#fff}.tb-r .ic{color:var(--yellow)}

/* header */
.hdr{position:sticky;top:0;z-index:50;background:#fff;box-shadow:0 2px 14px rgba(11,42,111,.08)}
.hdr-in{display:flex;align-items:center;gap:26px;height:92px}
.logo{display:flex;align-items:center;gap:10px}
.logo .mark{width:62px;height:58px;flex:none}
.logo span{display:flex;flex-direction:column;line-height:1}
.logo strong{font-size:1.75rem;font-weight:900;color:var(--blue);letter-spacing:-.01em}
.logo em{font-style:normal;font-size:1.06rem;font-weight:800;color:var(--ink);margin-top:2px;letter-spacing:.005em}
.logo.light strong{color:#fff}.logo.light em{color:#c7d6f0}.logo.light .mark path[fill="#0E3A8C"],.logo.light .mark rect{fill:#fff}.logo.light .mark path[stroke="#0E3A8C"]{stroke:#fff}
.nav{display:flex;gap:4px;margin-left:auto;align-items:center}
.nav>a,.dd>button{font:inherit;font-size:.95rem;font-weight:600;color:var(--ink);background:none;border:0;padding:9px 14px;border-radius:7px;cursor:pointer}
.nav>a.on,.dd>button.on{background:var(--blue);color:#fff}
.nav>a:not(.on):hover,.dd>button:not(.on):hover{color:var(--blue)}
.dd{position:relative}
.dd>button:after{content:"";display:inline-block;width:6px;height:6px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg) translateY(-3px);margin-left:8px}
.dd-m{display:none;position:absolute;top:calc(100% + 6px);left:0;min-width:290px;background:#fff;border-radius:12px;box-shadow:0 20px 50px rgba(11,42,111,.22);padding:8px;border-top:3px solid var(--blue)}
.dd-m.cols{min-width:520px;columns:3;column-gap:4px}
.dd:hover .dd-m,.dd.open .dd-m{display:block}
.dd-m a{display:flex;align-items:center;gap:10px;padding:8px 12px;border-radius:8px;color:var(--ink);font-size:.92rem;font-weight:500;break-inside:avoid}
.dd-m a .ic{color:var(--blue)}.dd-m a:hover{background:var(--bg);color:var(--blue)}.dd-m a.all{font-weight:700;color:var(--blue)}
.hdr-call{display:flex;align-items:center;gap:12px;background:var(--blue);color:#fff;font-weight:700;font-size:1.3rem;padding:14px 28px;border-radius:999px;box-shadow:0 8px 20px rgba(21,86,214,.35);white-space:nowrap}
.hdr-call .ic{fill:#fff;stroke:none;width:24px;height:24px}
.hdr-call:hover{background:var(--navy2)}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;font:inherit;font-weight:700;border-radius:999px;padding:14px 26px;border:0;cursor:pointer;transition:transform .15s,box-shadow .15s}
.btn .ic:first-child{fill:currentColor;stroke:none}
.btn-call{background:linear-gradient(180deg,#FFD03F,var(--yellow) 60%,var(--yellow2));color:var(--ink);box-shadow:0 8px 22px rgba(245,168,0,.4)}
.btn-call:hover{transform:translateY(-2px);box-shadow:0 12px 26px rgba(245,168,0,.5)}
.btn-blue{background:var(--blue);color:#fff;box-shadow:0 8px 20px rgba(21,86,214,.3)}.btn-blue .ic{fill:none!important;stroke:currentColor!important}
.btn-lg{font-size:1.15rem;padding:17px 30px}
.btn-block{width:100%;justify-content:center}

/* hero */
.hero{position:relative;background:linear-gradient(105deg,#fff 0%,#fff 36%,#eef4fd 100%);overflow:hidden;min-height:520px;display:flex;align-items:center}
.hero-photo{position:absolute;top:0;right:0;bottom:0;width:60%;background-size:cover;background-position:center 30%}
.hero-photo:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,#fff 0%,rgba(255,255,255,.85) 12%,rgba(255,255,255,0) 38%)}
.hero:before{content:"";position:absolute;left:-120px;bottom:-160px;width:620px;height:360px;background:radial-gradient(closest-side,rgba(21,86,214,.08),transparent);z-index:0}
.hero-in{position:relative;z-index:1;width:100%;padding-top:56px;padding-bottom:56px}
.hero-txt{max-width:610px}
.hero h1{font-size:clamp(2.3rem,4.6vw,3.9rem);font-weight:800;line-height:1.04;color:var(--ink);letter-spacing:-.025em}
.h1b{display:block;width:fit-content;font-style:italic;font-weight:900;color:var(--blue);padding-bottom:14px;margin-top:4px;
 background:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 400 20' preserveAspectRatio='none'%3E%3Cpath d='M2 15C120 4 280 2 398 8' stroke='%23FFC20E' stroke-width='6' fill='none' stroke-linecap='round'/%3E%3C/svg%3E") left bottom/100% 16px no-repeat}
.lead{font-size:1.15rem;font-weight:700;color:var(--ink);margin:22px 0 22px;max-width:30em}
.hero-row{display:flex;align-items:flex-end;gap:28px;flex-wrap:wrap}
.ticks{list-style:none;display:grid;gap:7px}
.ticks li{display:flex;align-items:center;gap:10px;font-weight:500;color:var(--ink)}
.ticks .ic{background:var(--blue);color:#fff;border-radius:50%;padding:4px;width:22px;height:22px}

/* trust row */
.trust{background:#fff;border-bottom:1px solid var(--line);position:relative;z-index:2}
.trust-in{display:grid;grid-template-columns:repeat(5,1fr);padding:26px 28px}
.trust-in>div{display:flex;align-items:center;justify-content:center;gap:16px;padding:6px 10px}
.trust-in>div+div{border-left:1px solid var(--line)}
.trust .ic{width:46px;height:46px;color:var(--blue);stroke-width:1.8}
.trust span{font-weight:600;color:var(--ink);font-size:1rem;line-height:1.25}

/* services strip */
.svc-sec{background:#fff;padding:30px 0 0}
.svc-in{display:grid;grid-template-columns:300px 1fr 330px;gap:26px;align-items:stretch;max-width:1440px}
.svc-intro{padding:16px 0}
.svc-intro h2{font-size:1.75rem;margin-bottom:12px}
.svc-intro p:not(.k){color:var(--txt);margin-bottom:22px;font-weight:500}
.pcards{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}
.pcard{position:relative;display:flex;flex-direction:column;border-radius:10px;overflow:hidden;background:var(--navy2);box-shadow:0 8px 22px rgba(11,42,111,.18);border-top:3px solid var(--yellow)}
.pimg{display:block;aspect-ratio:16/9;overflow:hidden}
.pimg img{width:100%;height:100%;object-fit:cover;transition:transform .4s}
.pcard:hover img{transform:scale(1.06)}
.pic{position:relative;margin:-27px auto 8px;flex:none;width:50px;height:50px;border-radius:50%;background:var(--navy2);border:3px solid #fff;color:#fff;display:grid;place-items:center}
.pic .ic{width:24px;height:24px}
.plabel{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:flex-start;text-align:center;padding:0 10px 14px;color:#fff;font-weight:700;font-size:.98rem;line-height:1.2;background:linear-gradient(180deg,var(--navy2),var(--navy))}
.apanel{position:relative;background:linear-gradient(160deg,var(--navy2),var(--navy));color:#fff;border-radius:14px 14px 0 0;padding:26px 28px;overflow:hidden;border-left:5px solid var(--blue2)}
.apanel:after{content:"";position:absolute;right:-40px;bottom:-30px;width:220px;height:220px;border-radius:50%;background:radial-gradient(closest-side,rgba(255,255,255,.08),transparent)}
.ap-k{display:flex;align-items:center;gap:8px;font-weight:600;font-size:.9rem;color:#d5e1f7}
.apanel h3{color:#fff;font-size:1.5rem;margin:4px 0 14px}
.apanel ul{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:5px 14px;margin-bottom:18px}
.apanel li a{display:flex;align-items:center;gap:8px;color:#fff;font-size:.92rem;font-weight:500}
.apanel li .ic{background:var(--yellow);color:var(--navy);border-radius:50%;padding:3px;width:17px;height:17px}
.apanel li a:hover{color:var(--yellow)}
.ap-btn{display:inline-flex;align-items:center;gap:8px;border:1.5px solid rgba(255,255,255,.7);color:#fff;padding:8px 18px;border-radius:999px;font-size:.88rem;font-weight:600}
.ap-btn:hover{background:#fff;color:var(--navy)}

/* bottom bar */
.bbar{background:linear-gradient(90deg,var(--navy),var(--navy2));color:#fff;position:relative;overflow:hidden}
.bbar:before{content:"";position:absolute;left:-60px;bottom:-60px;width:260px;height:180px;background:radial-gradient(closest-side,rgba(70,150,255,.45),transparent)}
.bbar-in{position:relative;display:grid;grid-template-columns:1fr 1fr 1fr 1.25fr;align-items:center;min-height:96px}
.bbar-in>div{display:flex;align-items:center;gap:14px;padding:18px 24px}
.bbar-in>div+div{border-left:1px solid rgba(255,255,255,.25)}
.bbar .ic{width:40px;height:40px;color:var(--yellow);stroke-width:1.8}
.bbar span{display:flex;flex-direction:column;font-size:.92rem;color:#d6e2f7}
.bbar b{font-size:1.12rem;color:#fff}
.bcall{align-self:stretch;display:flex;flex-direction:column;justify-content:center;align-items:center;gap:6px;background:linear-gradient(160deg,#103f9c,#0a2766);padding:14px 26px;border-radius:40px 40px 0 0}
.bcall span{flex-direction:row!important;align-items:center;gap:8px;font-weight:700;color:#fff!important;font-size:.98rem!important}
.bcall .ic{width:18px;height:18px;fill:#fff;stroke:none;color:#fff}
.bcall b{display:block;background:linear-gradient(180deg,#FFD03F,var(--yellow) 60%,var(--yellow2));color:var(--ink);font-size:1.7rem;font-weight:800;padding:6px 40px;border-radius:999px;box-shadow:0 6px 16px rgba(0,0,0,.25)}

/* sections */
.sec{padding:90px 0}
.valley{background:var(--bg)}
.valley-in{display:grid;grid-template-columns:1fr 1.05fr;gap:60px;align-items:center}
.valley h2{margin-bottom:18px}
.valley p:not(.k){margin-bottom:14px;font-weight:500}
.valley .btn{margin-top:10px}
.facts{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.facts>div{background:#fff;border-radius:14px;padding:24px;box-shadow:0 8px 24px rgba(11,42,111,.08);border-bottom:4px solid var(--blue);display:flex;flex-direction:column;gap:6px}
.facts .ic{width:42px;height:42px;color:#fff;background:var(--blue);border-radius:12px;padding:9px;margin-bottom:6px}
.facts b{color:var(--ink);font-size:1.08rem}
.facts span{color:var(--mut);font-size:.93rem}
.steps{list-style:none;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:44px}
.steps li{position:relative;text-align:center;background:#fff;border:1px solid var(--line);border-radius:16px;padding:40px 26px 30px;box-shadow:0 10px 28px rgba(11,42,111,.07)}
.sn{display:grid;place-items:center;width:58px;height:58px;margin:0 auto 18px;border-radius:50%;background:var(--blue);color:#fff;font-size:1.5rem;font-weight:800;box-shadow:0 0 0 8px #e3ecfb}
.steps b{display:block;color:var(--ink);font-size:1.18rem;margin-bottom:6px}
.steps li>span:last-child{color:var(--mut)}
.faq-sec{background:var(--bg)}
.faq-wrap{display:grid;grid-template-columns:1fr 1.5fr;gap:60px;align-items:start}
.faq details{background:#fff;border-radius:12px;margin-bottom:12px;box-shadow:0 4px 16px rgba(11,42,111,.06);padding:0 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--ink);padding:18px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.pm{width:26px;height:26px;border-radius:50%;background:var(--blue);position:relative;flex:none}
.pm:before,.pm:after{content:"";position:absolute;background:#fff;left:7px;top:12px;width:12px;height:2.5px;border-radius:2px}
.pm:after{transform:rotate(90deg);transition:transform .2s}
details[open] .pm:after{transform:rotate(0)}
.faq details p{padding-bottom:18px;color:var(--txt)}
.band{background:linear-gradient(100deg,var(--blue),var(--navy2));color:#fff}
.band-in{display:flex;align-items:center;justify-content:space-between;gap:30px;padding:54px 28px}
.band h2{color:#fff}.band p{color:#d6e2f7;margin-top:6px;font-weight:500}

/* inner pages */
.crumbs{background:var(--bg);font-size:.86rem;border-bottom:1px solid var(--line)}
.crumbs .wrap{padding-top:10px;padding-bottom:10px}
.crumbs a{color:var(--mut)}.crumbs span{color:var(--ink);font-weight:600}.crumbs .sep{margin:0 10px;color:#9aa8bf}
.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:56px;align-items:start}
.prose h1{font-size:clamp(2rem,4vw,2.8rem);margin-bottom:20px}
.prose h2{font-size:clamp(1.35rem,2.3vw,1.75rem);margin:46px 0 14px}
.prose>h2:first-child,.prose>.pfig+h2{margin-top:0}
.prose p{margin-bottom:14px;max-width:46em}
.prose .pcards{margin-top:10px}
.prose .btn{margin-top:18px}
.pfig{margin-bottom:32px;border-radius:14px;overflow:hidden;box-shadow:0 10px 30px rgba(11,42,111,.15);aspect-ratio:21/8}
.pfig img{width:100%;height:100%;object-fit:cover}
.bul{list-style:none;display:grid;gap:12px}
.bul li{display:flex;gap:12px;align-items:flex-start;background:var(--bg);padding:16px 18px;border-radius:12px;border-left:4px solid var(--blue);font-weight:500}
.bul .ic{color:#fff;background:var(--blue);border-radius:50%;padding:3px;width:20px;height:20px;margin-top:2px}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chips a{padding:9px 16px;border-radius:999px;font-weight:600;font-size:.92rem;color:var(--navy2);background:var(--bg);border:1px solid var(--line)}
.chips a:hover{background:var(--blue);color:#fff;border-color:var(--blue)}
.zips{display:flex;flex-wrap:wrap;gap:8px;align-items:center;margin-top:12px}
.zips b{color:var(--ink);margin-right:4px}
.zips span{background:#fff;border:1px solid var(--line);border-radius:6px;padding:3px 10px;font-size:.88rem;font-weight:600}
.side{position:sticky;top:112px;display:grid;gap:20px}
.side-call{background:linear-gradient(160deg,var(--navy2),var(--navy));color:#d6e2f7;border-radius:16px;padding:28px;border-top:4px solid var(--yellow)}
.side-call h3{color:#fff;font-size:1.35rem;margin-bottom:8px}
.side-call p{font-size:.95rem;margin-bottom:18px;font-weight:500}
.side-call .btn{font-size:1.05rem;padding:15px}
.side-links{background:#fff;border:1px solid var(--line);border-radius:16px;padding:22px;box-shadow:0 6px 20px rgba(11,42,111,.06)}
.side-links h4{margin-bottom:10px}
.side-links a{display:flex;align-items:center;gap:10px;padding:10px 0;border-top:1px solid var(--line);font-weight:600;color:var(--ink);font-size:.93rem}
.side-links a .ic{color:var(--blue)}.side-links a:hover{color:var(--blue)}
.areas{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}
.area{background:#fff;border:1px solid var(--line);border-radius:14px;padding:22px;box-shadow:0 6px 18px rgba(11,42,111,.06);border-bottom:4px solid var(--blue);transition:transform .15s}
.area:hover{transform:translateY(-3px)}
.area h3{display:flex;align-items:center;gap:8px;font-size:1.12rem}.area h3 .ic{color:var(--blue)}
.area p{color:var(--txt);font-size:.9rem;margin:6px 0;font-weight:500}.area span{font-size:.8rem;color:var(--mut)}

/* footer */
.ftr{background:#071C4D;color:#a9bbdb;font-size:.93rem}
.ftr .wrap{padding-top:64px;padding-bottom:30px}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1.4fr .9fr 1fr;gap:34px}
.fbrand p{margin:18px 0 22px}
.fgrid h4{color:#fff;margin-bottom:14px;font-size:1.02rem}
.fgrid a:not(.btn):not(.logo){display:block;color:#a9bbdb;padding:3px 0}
.fgrid a:not(.btn):not(.logo):hover{color:#fff}
.fcities{columns:2;column-gap:20px}.fcities h4{column-span:all}
.disc{margin-top:46px;padding-top:22px;border-top:1px solid #1d3570;font-size:.82rem;line-height:1.6}
.copy{margin-top:12px;font-size:.82rem}

.mcall{display:none;position:fixed;left:0;right:0;bottom:0;z-index:60;background:linear-gradient(180deg,#FFD03F,var(--yellow));color:var(--ink);padding:14px;align-items:center;justify-content:center;gap:10px;font-weight:700;box-shadow:0 -6px 20px rgba(0,0,0,.18)}
.mcall .ic{fill:var(--ink);stroke:none}.mcall b{font-weight:800;font-size:1.15rem}

@media(max-width:1200px){.svc-in{grid-template-columns:1fr 1fr}.svc-intro{grid-column:1/-1}.nav>a[href*="#faq"]{display:none}.hdr-call{font-size:1.1rem;padding:12px 20px}}
@media(max-width:1020px){
 .nav{display:none}.hdr-call{margin-left:auto}
 .hero{min-height:0;flex-direction:column;align-items:stretch}
 .hero-photo{position:relative;width:100%;height:300px;order:2}.hero-photo:before{background:linear-gradient(180deg,#fff 0%,rgba(255,255,255,0) 30%)}
 .trust-in{grid-template-columns:repeat(3,1fr);gap:14px 0}.trust-in>div:nth-child(4){border-left:0}
 .svc-in,.valley-in,.content-grid,.faq-wrap{grid-template-columns:1fr}
 .apanel{border-radius:14px}
 .bbar-in{grid-template-columns:1fr 1fr}.bbar-in>div:nth-child(3){border-left:0}.bcall{grid-column:1/-1;margin:0 -28px;border-radius:0}
 .areas{grid-template-columns:repeat(2,1fr)}.fgrid{grid-template-columns:1fr 1fr}.side{position:static}
 .tb-mid{display:none}
}
@media(max-width:760px){
 body{font-size:15.5px}.wrap{padding:0 18px}
 .tb-r{display:none}.tb-in{justify-content:center}
 .hdr-in{height:74px}.logo .mark{width:46px;height:44px}.logo strong{font-size:1.3rem}.logo em{font-size:.8rem}
 .hdr-call{display:none}.mcall{display:flex}
 .hero-in{padding-top:34px;padding-bottom:24px}.hero-photo{height:240px}
 .hero-row{flex-direction:column;align-items:stretch}.btn-lg{justify-content:center}
 .trust-in{grid-template-columns:1fr 1fr;padding:18px}.trust-in>div{justify-content:flex-start;border-left:0!important}.trust .ic{width:36px;height:36px}.trust span{font-size:.9rem}
 .pcards{grid-template-columns:1fr 1fr}
 .apanel ul{grid-template-columns:1fr 1fr}
 .bbar-in{grid-template-columns:1fr}.bbar-in>div{border-left:0!important;border-top:1px solid rgba(255,255,255,.15)}.bcall b{font-size:1.4rem}
 .sec{padding:60px 0}.facts,.steps,.areas{grid-template-columns:1fr}
 .band-in{flex-direction:column;align-items:flex-start}.fgrid{grid-template-columns:1fr}
}