:root{--navy:#0d365d;--blue:#1268b3;--sky:#eaf5fd;--green:#168766;--gold:#f4b942;--ink:#16324a;--muted:#5b7184;--line:#d8e5ef;--white:#fff}
*{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}
.wrap{width:min(1120px,calc(100% - 40px));margin:auto}
.topbar{min-height:84px;display:flex;align-items:center;justify-content:space-between;gap:24px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.logo .mark{display:grid;place-items:center;width:48px;height:48px;border-radius:14px;background:linear-gradient(145deg,var(--blue),var(--navy));color:#fff;font-weight:900;box-shadow:0 8px 18px rgba(13,54,93,.2)}
.logo b,.logo small{display:block;letter-spacing:.06em}.logo small{font-size:.72rem}
.top-contact{display:flex;align-items:center;gap:20px;color:var(--navy);font-weight:700}.top-contact a{text-decoration:none;color:var(--blue)}
nav{background:var(--navy);color:#fff}.navlinks{display:flex;gap:28px;align-items:center;min-height:50px}.navlinks a{text-decoration:none;font-weight:700}
.hero{position:relative;overflow:hidden;background:linear-gradient(125deg,#eef8ff 0%,#fff 58%,#eef9f4 100%);padding:76px 0}
.hero:before{content:"";position:absolute;inset:auto -100px -180px auto;width:430px;height:430px;border-radius:50%;background:rgba(22,135,102,.08)}
.hero-grid{position:relative;display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.kicker{margin:0 0 12px;color:var(--blue);font-weight:900;text-transform:uppercase;letter-spacing:.1em;font-size:.8rem}
h1{font-size:clamp(2.6rem,6vw,4.7rem);line-height:1.02;letter-spacing:-.035em;margin:.15em 0 .35em;color:var(--navy)}
h2{font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.12;letter-spacing:-.02em;color:var(--navy);margin:.2em 0 .55em}
h3{color:var(--navy)}
.lead{font-size:1.22rem;color:var(--muted);max-width:700px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;border:2px solid var(--blue);background:var(--blue);color:#fff;border-radius:11px;padding:13px 20px;font:inherit;font-weight:800;text-decoration:none;cursor:pointer;transition:.2s}
.btn:hover{transform:translateY(-1px);box-shadow:0 8px 18px rgba(18,104,179,.18)}.btn.ghost{background:#fff;color:var(--blue)}
.availability{color:var(--muted);font-size:.92rem;margin-top:16px}
.agent-card{background:#fff;border:1px solid var(--line);border-top:5px solid var(--green);border-radius:24px;padding:32px;box-shadow:0 22px 55px rgba(13,54,93,.13)}
.portrait{width:150px;height:150px;border-radius:50%;display:block;object-fit:cover;object-position:center 22%;border:7px solid var(--sky);margin-bottom:20px;box-shadow:0 10px 24px rgba(13,54,93,.16)}
.agent-label{margin:0;color:var(--green);font-weight:900;text-transform:uppercase;letter-spacing:.08em;font-size:.76rem}.agent-card h2{font-size:2rem;margin:.2em 0}.agent-role{color:var(--muted);font-weight:700;margin-top:-7px}
.agent-links{display:grid;gap:7px;margin-top:20px}.agent-links a{color:var(--blue);font-weight:800;text-decoration:none;overflow-wrap:anywhere}
.trust{background:var(--navy);color:#fff;padding:30px 0}.trust-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}.trust b,.trust small{display:block}.trust small{opacity:.82;margin-top:4px}
.section{padding:78px 0}.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:70px;align-items:start}.about{background:#fff}.about-copy{font-size:1.08rem}.about-copy .intro{font-size:1.35rem;color:var(--navy);font-weight:800;margin-top:0}
.process-section{background:var(--sky)}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.steps article{background:#fff;border:1px solid var(--line);border-radius:18px;padding:26px}.steps article>span{display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--green);color:#fff;font-weight:900}.steps h3{margin:.8em 0 .25em}.steps p{margin:0;color:var(--muted)}
.section-lead{color:var(--muted);font-size:1.08rem}.services{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:30px}.services article{border:1px solid var(--line);border-radius:16px;padding:22px;background:#fff;box-shadow:0 8px 22px rgba(13,54,93,.06)}.services span{font-size:2rem}.services h3{margin:.45rem 0 0}
.quote{background:#f2f7fb}.quote-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:48px;align-items:start}
.contact-note{display:grid;gap:4px;padding:18px;border-radius:14px;background:var(--navy);color:#fff;margin:24px 0}.contact-note a{color:#fff;font-size:1.22rem;font-weight:900}.contact-note span{opacity:.85;font-size:.9rem}
.notice{border-left:4px solid var(--green);padding:13px 15px;background:#fff;border-radius:7px;color:var(--muted)}
form{display:grid;gap:15px;background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 14px 34px rgba(13,54,93,.09)}
label{display:grid;gap:6px;font-weight:700}input,select,textarea{width:100%;padding:12px;border:1px solid #b9ccdc;border-radius:9px;font:inherit;background:#fff}input:focus,select:focus,textarea:focus{outline:3px solid rgba(18,104,179,.18);border-color:var(--blue)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:14px}.check{display:flex;align-items:flex-start;font-weight:400}.check input{width:auto;margin-top:6px}.form-assurance{margin:0;text-align:center;color:var(--muted);font-size:.9rem}#status{margin:0}
.contact{padding:46px 0;background:#102f4d;color:#fff}.contact-grid{display:grid;grid-template-columns:1.2fr 1.35fr 1fr 1fr;gap:28px}.contact h2{color:#fff;margin-top:0}.contact p{margin:.4rem 0;color:#dbe8f3}.contact a{color:#fff;overflow-wrap:anywhere}
footer{background:#09233a;color:#dbe8f3;padding:18px 0;text-align:center}footer a{color:#fff}
@media(max-width:850px){.topbar,.top-contact{align-items:flex-start}.topbar{padding:16px 0}.top-contact{flex-direction:column;gap:4px;font-size:.9rem}.navlinks{gap:18px;overflow-x:auto}.hero-grid,.about-grid,.quote-grid{grid-template-columns:1fr}.hero{padding:52px 0}.steps,.trust-grid,.contact-grid{grid-template-columns:1fr}.services{grid-template-columns:repeat(2,1fr)}.two{grid-template-columns:1fr}}
@media(max-width:500px){.wrap{width:min(100% - 28px,1120px)}.services{grid-template-columns:1fr}.top-contact span{display:none}.section{padding:54px 0}.agent-card{padding:24px}.navlinks{font-size:.9rem}}

.services a{color:var(--blue)}.services p{color:var(--muted);margin:.45em 0 0}.content-page{padding:58px 0 84px}.content-page .intro{max-width:780px}.content-page h1{font-size:clamp(2.3rem,5vw,4rem)}.content-grid{display:grid;grid-template-columns:minmax(0,2fr) minmax(260px,1fr);gap:48px;margin-top:38px}.content-grid h2{font-size:1.8rem;margin-top:1.6em}.content-grid li{margin:.55em 0}.sidebar-card{background:var(--sky);border:1px solid var(--line);border-radius:18px;padding:25px;align-self:start}.sidebar-card h2{font-size:1.65rem;margin-top:0}.service-links{display:flex;gap:15px;flex-wrap:wrap;margin-top:45px}.service-links a{color:var(--blue)}@media(max-width:850px){.content-grid{grid-template-columns:1fr}}