:root{--navy:#08396f;--blue:#0f63ad;--green:#19a463;--pale:#f2f7fb;--text:#17324d;--muted:#607286;--white:#fff;--line:#d8e3ec;--shadow:0 14px 34px rgba(5,43,80,.12)}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);line-height:1.6;background:#fff}a{color:var(--blue)}.wrap{max-width:1160px;margin:auto;padding:0 24px}.skip{position:absolute;left:-9999px}.skip:focus{left:10px;top:10px;background:white;padding:8px;z-index:99}.top{position:sticky;top:0;z-index:20;background:white;border-bottom:1px solid var(--line)}.nav{height:84px;display:flex;align-items:center;justify-content:space-between}.brand img{width:190px;max-height:64px;object-fit:contain}.nav nav{display:flex;gap:26px;align-items:center}.nav nav a{text-decoration:none;font-weight:700;color:#17324d}.btn{display:inline-block;background:var(--green);color:white!important;text-decoration:none;font-weight:800;border-radius:8px;padding:14px 22px;border:0;cursor:pointer}.btn:hover{filter:brightness(.94)}.btn.secondary{background:var(--navy)}.btn.small{padding:10px 16px}.menu{display:none;font-size:24px;background:none;border:0}.hero{background:linear-gradient(115deg,rgba(8,57,111,.97),rgba(15,99,173,.88)),radial-gradient(circle at 75% 30%,#b5d5ed,transparent 38%);color:#fff;padding:72px 0}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:46px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:.11em;font-weight:800;color:#bfe1ff}.hero h1{font-size:54px;line-height:1.04;margin:8px 0 18px}.hero h1 em{font-style:normal;color:#76e3a8}.hero p{font-size:20px;max-width:720px}.panel{background:white;color:var(--text);padding:30px;border-radius:18px;box-shadow:var(--shadow)}.panel h2{margin-top:0;font-size:28px}.checks{padding:0;list-style:none}.checks li{padding:8px 0}.checks li:before{content:'✓';color:var(--green);font-weight:900;margin-right:10px}.section{padding:70px 0}.section.alt{background:var(--pale)}.section h1,.section h2{line-height:1.15;color:var(--navy)}.section h1{font-size:44px}.section h2{font-size:36px;text-align:center}.lead{font-size:20px;color:var(--muted);max-width:820px}.center{text-align:center}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}.card{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;box-shadow:0 6px 18px rgba(8,57,111,.05)}.icon{font-size:34px}.kicker{font-weight:800;color:var(--green)}.tablewrap{overflow:auto;border-radius:12px;border:1px solid var(--line)}table{width:100%;border-collapse:collapse;background:white}th,td{padding:14px;text-align:left;border-bottom:1px solid var(--line)}th{background:var(--navy);color:#fff}.callout{background:#eaf7f0;border-left:5px solid var(--green);padding:22px;border-radius:8px}.warning{background:#fff7e5;border-left-color:#e5a11c}.calc{display:grid;grid-template-columns:1fr 1fr;gap:24px;max-width:900px;margin:auto}.calc label{font-weight:800;display:block;margin-bottom:6px}.calc input,.calc select{width:100%;padding:13px;border:1px solid #bfcddd;border-radius:8px;font-size:16px}.result{grid-column:1/-1;background:var(--navy);color:white;border-radius:14px;padding:28px}.result strong{font-size:34px;color:#84edb4}.quote-strip{background:var(--navy);color:white;padding:46px 0;text-align:center}.quote-strip h2{color:white;margin-top:0}.source{font-size:14px;color:var(--muted)}.carrierrow{display:flex;gap:18px;flex-wrap:wrap;justify-content:center}.carrier{padding:13px 20px;background:white;border:1px solid var(--line);border-radius:999px;font-weight:800}.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{font-weight:800;cursor:pointer;color:var(--navy)}.footer{background:#07335f;color:#eaf4ff;padding-top:55px}.footer a{color:#d8f0ff}.footgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:44px}.footgrid>div:nth-child(2){display:flex;flex-direction:column;gap:7px}.footlogo{width:220px;background:white;padding:6px;border-radius:6px}.trust{margin-top:36px;padding:18px 0;background:#0b477f}.legal{padding:20px 0;font-size:13px;color:#bcd0e2}.legal p{margin:5px 0}.breadcrumb{font-size:14px;color:var(--muted);margin-bottom:18px}.hero-mini{padding:48px 0;background:var(--pale)}.hero-mini h1{margin:0;color:var(--navy);font-size:44px}.cta-row{display:flex;gap:12px;flex-wrap:wrap}.note{font-size:14px;color:var(--muted)}
@media(max-width:850px){.menu{display:block}.nav nav{display:none;position:absolute;top:84px;left:0;right:0;background:white;padding:20px 24px;flex-direction:column;align-items:flex-start;border-bottom:1px solid var(--line)}.nav nav.open{display:flex}.hero-grid,.grid3,.grid2,.calc,.footgrid{grid-template-columns:1fr}.hero h1{font-size:40px}.section h1,.hero-mini h1{font-size:36px}.section h2{font-size:30px}.result{grid-column:auto}}