:root{--navy:#052f4f;--blue:#0b6a9b;--aqua:#27c0df;--gold:#ffb84d;--ink:#17212b;--muted:#64748b;--soft:#f3f8fb;--white:#fff;--shadow:0 16px 35px rgba(5,47,79,.16)}
*{box-sizing:border-box} body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.6} a{color:inherit} .topbar{background:#021d31;color:#fff;padding:8px 18px;text-align:center;font-weight:700}.topbar a{color:#ffcf7a;text-decoration:none}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:14px 5vw;background:#fff;box-shadow:0 2px 18px rgba(0,0,0,.07);position:sticky;top:0;z-index:10}.brand{display:flex;align-items:center;gap:12px;font-weight:900;color:var(--navy);text-decoration:none}.brand img{width:190px;max-width:48vw}.navlinks{display:flex;gap:16px;flex-wrap:wrap}.navlinks a{text-decoration:none;font-weight:800;color:#0f344d}.navlinks a:hover{color:var(--blue)}.hero{background:linear-gradient(135deg,rgba(5,47,79,.94),rgba(11,106,155,.88)),radial-gradient(circle at 70% 10%,rgba(255,184,77,.35),transparent 35%);color:#fff;padding:34px 5vw 42px}.hero-grid{max-width:1200px;margin:0 auto;display:grid;grid-template-columns:1.25fr .75fr;gap:28px;align-items:center}.eyebrow{color:#ffcf7a;text-transform:uppercase;letter-spacing:.08em;font-size:.9rem;font-weight:900}.hero h1{font-size:clamp(2.2rem,5vw,4.2rem);line-height:1.02;margin:8px 0 16px}.hero p{font-size:1.15rem;max-width:820px}.cta-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:22px}.btn{display:inline-block;border-radius:999px;padding:13px 22px;font-weight:900;text-decoration:none}.btn-primary{background:var(--gold);color:#08283e}.btn-secondary{border:2px solid rgba(255,255,255,.7);color:#fff}.hero-card{background:rgba(255,255,255,.11);backdrop-filter:blur(7px);border:1px solid rgba(255,255,255,.22);border-radius:24px;padding:24px;box-shadow:var(--shadow)}.hero-card ul{padding-left:20px;margin:10px 0 0}.stats{display:grid;grid-template-columns:repeat(4,1fr);max-width:1100px;margin:-28px auto 0;position:relative;z-index:2;gap:14px;padding:0 18px}.stat{background:#fff;border-radius:18px;box-shadow:var(--shadow);padding:18px;text-align:center;font-weight:900}.stat span{display:block;color:var(--blue);font-size:1.4rem}.wrap{max-width:1180px;margin:auto;padding:54px 5vw}.section-title{font-size:clamp(1.8rem,3vw,2.7rem);line-height:1.12;color:var(--navy);margin:0 0 14px}.lead{font-size:1.1rem;color:#32465a}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:28px}.card{background:#fff;border:1px solid #dce9f0;border-radius:22px;padding:22px;box-shadow:0 8px 22px rgba(5,47,79,.08)}.card h3{color:var(--navy);margin-top:0}.soft{background:var(--soft)}.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:start}.checklist{list-style:none;padding:0}.checklist li{margin:10px 0;padding-left:30px;position:relative}.checklist li:before{content:'✓';position:absolute;left:0;color:var(--blue);font-weight:900}.states-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.states-grid a{background:#fff;border:1px solid #dce9f0;border-radius:12px;padding:10px 12px;text-decoration:none;font-weight:800;color:#0f344d}.quote-box{background:#fff;border-radius:24px;padding:20px;box-shadow:var(--shadow);border:1px solid #dce9f0}.styled iframe{min-height:650px;border-radius:14px;width:100%}.footer{background:#021d31;color:#dbeafe;padding:34px 5vw;text-align:center}.footer a{color:#ffcf7a}.note{font-size:.92rem;color:#52677a}.breadcrumb{font-size:.9rem;margin-bottom:18px;color:#64748b}.breadcrumb a{color:#0b6a9b;text-decoration:none;font-weight:800}@media(max-width:850px){.hero-grid,.split,.cards{grid-template-columns:1fr}.stats{grid-template-columns:repeat(2,1fr)}.states-grid{grid-template-columns:repeat(2,1fr)}.nav{position:relative;align-items:flex-start;flex-direction:column}.hero{padding-top:24px}.brand img{width:210px}}