:root{--navy:#071a33;--blue:#0b3a67;--gold:#d7a641;--cream:#f7f3ea;--ink:#172033;--muted:#617084;--white:#fff;--line:#dfe5eb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.55}a{text-decoration:none;color:inherit}.wrap{width:min(1120px,calc(100% - 40px));margin:auto}.top{background:var(--navy);color:#fff;padding:14px 0}.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px}.brand{font-weight:800;letter-spacing:.03em}.brand span{color:var(--gold)}.phone{font-weight:700}.hero{background:linear-gradient(125deg,var(--navy) 0%,var(--blue) 72%,#16598a 100%);color:#fff;padding:72px 0 62px;overflow:hidden;position:relative}.hero:after{content:"";position:absolute;width:420px;height:420px;border:1px solid rgba(255,255,255,.15);border-radius:50%;right:-120px;top:-150px;box-shadow:0 0 0 60px rgba(255,255,255,.035),0 0 0 120px rgba(255,255,255,.025)}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center;position:relative;z-index:1}.eyebrow{color:#f0c86a;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800}.hero h1{font-family:Georgia,serif;font-size:clamp(2.55rem,5vw,4.6rem);line-height:1.02;margin:14px 0 22px;max-width:760px}.hero p{font-size:1.15rem;max-width:650px;color:#e3edf6}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 24px;border-radius:4px;font-weight:800;border:1px solid transparent;cursor:pointer}.btn.gold{background:var(--gold);color:#10233d}.btn.outline{border-color:rgba(255,255,255,.65);color:#fff}.trust{display:flex;gap:22px;flex-wrap:wrap;margin-top:28px;font-size:.92rem;color:#dce8f2}.trust span:before{content:"✓";color:#f0c86a;font-weight:bold;margin-right:7px}.form-card{background:#fff;color:var(--ink);padding:30px;border-radius:10px;box-shadow:0 24px 70px rgba(0,0,0,.28)}.form-card h2{font-family:Georgia,serif;font-size:1.75rem;margin:0 0 8px}.form-card p{color:var(--muted);font-size:.96rem;margin:0 0 20px}.fields{display:grid;grid-template-columns:1fr 1fr;gap:12px}.field.full{grid-column:1/-1}label{display:block;font-size:.78rem;font-weight:800;margin-bottom:5px;color:#405063}input,select{width:100%;min-height:46px;border:1px solid #cad4de;border-radius:4px;padding:10px 12px;font:inherit;background:#fff}.submit{width:100%;border:0;margin-top:15px;background:var(--gold);color:#10233d}.fine{font-size:.72rem!important;margin-top:12px!important}.benefits{padding:64px 0;background:var(--cream)}.section-title{text-align:center;max-width:720px;margin:0 auto 36px}.section-title h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(2rem,3vw,3rem);margin:0 0 10px}.section-title p{color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;padding:28px;border-top:4px solid var(--gold);box-shadow:0 10px 30px rgba(12,35,60,.07)}.icon{width:46px;height:46px;border-radius:50%;display:grid;place-items:center;background:#e9f0f7;color:var(--blue);font-size:1.3rem;font-weight:bold}.card h3{color:var(--navy);font-size:1.15rem;margin:18px 0 8px}.card p{color:var(--muted);margin:0}.story{padding:72px 0}.story-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:60px;align-items:center}.stat-panel{background:var(--navy);color:#fff;padding:42px;border-radius:8px;position:relative}.stat-panel:before{content:"";position:absolute;inset:14px;border:1px solid rgba(215,166,65,.45);border-radius:4px}.stat-panel strong{font-family:Georgia,serif;color:var(--gold);font-size:3.3rem;display:block}.stat-panel p{position:relative;margin:8px 0}.story h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(2rem,3.2vw,3.2rem);line-height:1.1}.story li{margin:10px 0}.steps{padding:66px 0;background:#eef4f8}.step-row{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.step{padding:26px}.step b{display:block;color:var(--gold);font-size:2.2rem;font-family:Georgia,serif}.step h3{color:var(--navy)}.cta{background:var(--navy);color:#fff;text-align:center;padding:66px 20px}.cta h2{font-family:Georgia,serif;font-size:clamp(2rem,4vw,3.4rem);margin:0 0 12px}.cta p{color:#dce8f2}.footer{background:#041225;color:#c9d5e1;padding:30px 0;font-size:.84rem}.footer .wrap{display:flex;justify-content:space-between;gap:24px;flex-wrap:wrap}.footer a{margin-left:18px}.disclosure{max-width:1120px;margin:20px auto 0;color:#91a3b6;font-size:.72rem}.success{display:none;padding:12px;background:#e8f5ed;color:#155b34;margin-top:12px;border-radius:4px}@media(max-width:820px){.hero-grid,.story-grid{grid-template-columns:1fr}.hero{padding-top:48px}.cards,.step-row{grid-template-columns:1fr}.form-card{padding:22px}.top .wrap{align-items:flex-start;flex-direction:column;gap:4px}.footer .wrap{flex-direction:column}.footer a{margin:0 18px 0 0}}@media(max-width:480px){.wrap{width:min(100% - 24px,1120px)}.fields{grid-template-columns:1fr}.field.full{grid-column:auto}.hero h1{font-size:2.55rem}.btn{width:100%}}