:root{--ink:#1B2333;--teal:#1F3A68;--teal2:#2B4F8A;--warm:#C8102E;--cream:#F7F8FA;--sand:#EEF1F6;--mut:#556070}
*{box-sizing:border-box}body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;color:var(--ink);background:var(--cream)}
a{color:var(--teal2)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.2;color:var(--teal)}
.wrap{max-width:1120px;margin:0 auto;padding:0 20px}.sec{padding:56px 20px}
.hdr{background:#fff;border-bottom:1px solid #14284A;position:sticky;top:0;z-index:9}.hrow{display:flex;align-items:center;gap:16px;min-height:68px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:8px;text-decoration:none;color:var(--teal);font:600 22px Georgia,serif}.brand b{color:var(--warm)}
nav{display:flex;gap:4px;margin-left:auto}nav a{text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:8px;font-size:15px}nav a:hover,nav a[aria-current]{background:var(--sand);color:var(--teal)}
.call{background:var(--warm);color:#fff;text-decoration:none;padding:8px 14px;border-radius:999px;font-weight:600;font-size:15px}
.menu{display:none;margin-left:auto;background:none;border:1px solid #ddd;border-radius:8px;font-size:22px;padding:2px 10px}
.hero{background:radial-gradient(circle at 85% 20%,rgba(200,16,46,.28),transparent 40%),linear-gradient(135deg,var(--teal),#14284A);color:#fff;padding:88px 0 96px;position:relative;overflow:hidden}
.hero:after{content:"";position:absolute;right:-40px;bottom:-30px;width:340px;height:260px;opacity:.08;background:#fff;clip-path:polygon(50% 0,100% 40%,100% 100%,0 100%,0 40%)}
.hero.sm{padding:56px 0}.hero h1{color:#fff;font-size:clamp(32px,5vw,54px);max-width:760px;margin:.2em 0}.lead{font-size:19px;max-width:640px;opacity:.92}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:13px;color:#FFFFFF;margin:0}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-block;background:var(--warm);color:#fff;text-decoration:none;padding:13px 22px;border-radius:10px;font-weight:600;border:2px solid var(--warm);cursor:pointer;font-size:16px}
.btn.ghost{background:transparent;border-color:currentColor;color:inherit}.hero .btn.ghost{color:#fff}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}.card{background:#fff;border:1px solid #E3E7EE;border-radius:16px;padding:24px;text-decoration:none;color:var(--ink);box-shadow:0 2px 10px rgba(31,58,104,.05)}
a.card:hover{transform:translateY(-2px);box-shadow:0 8px 24px rgba(31,58,104,.12)}.card h3{margin-top:0}.more{color:var(--warm);font-weight:600}
.band{background:var(--sand)}.cta{background:var(--teal);color:#fff;text-align:center;padding:56px 0}.cta h2{color:#fff}.cta .btns{justify-content:center}.cta .btn.ghost{color:#fff}
.prose{max-width:780px}.facts{background:#fff;border-radius:14px;padding:20px 20px 20px 40px;border:1px solid #E3E7EE}
.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}.agent{background:#fff;border:1px solid #E3E7EE;border-radius:16px;padding:24px;text-align:center}
.avatar{width:84px;height:84px;border-radius:50%;margin:0 auto;display:grid;place-items:center;background:linear-gradient(135deg,var(--teal2),var(--warm));color:#fff;font:600 28px Georgia,serif}
.agent h3{margin:.6em 0 0}.role{color:var(--warm);font-weight:600;margin:.2em 0}.small{font-size:14px;color:var(--mut)}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;gap:16px;max-width:820px}.steps li{counter-increment:s;background:#fff;border:1px solid #E3E7EE;border-radius:14px;padding:18px 20px 18px 72px;position:relative}
.steps li:before{content:counter(s);position:absolute;left:20px;top:18px;width:36px;height:36px;border-radius:50%;background:var(--warm);color:#fff;display:grid;place-items:center;font-weight:700}.steps h3{margin:0}.steps p{margin:.3em 0 0}
.center{text-align:center;justify-content:center}.idx{background:#fff;border:2px dashed #B8C2D3;border-radius:16px;padding:48px 24px;text-align:center;min-height:320px}
.cgrid{display:grid;grid-template-columns:1.2fr 1fr;gap:28px}.form{display:grid;gap:14px;background:#fff;padding:24px;border-radius:16px;border:1px solid #E3E7EE}
.form label{display:grid;gap:4px;font-weight:600;font-size:15px}.form input,.form select,.form textarea{font:inherit;padding:11px;border:1px solid #C3CBD8;border-radius:9px}
.map{width:100%;height:300px;border:0;border-radius:16px;margin-top:20px}
.ftr{background:#1F3A68;color:#d8e2e5;padding:44px 0 20px;font-size:15px}.ftr a{color:#FFFFFF}.fgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:24px}
.fbrand{display:flex;align-items:center;gap:8px;font:600 18px Georgia,serif;color:#fff}.eho{display:flex;gap:10px;align-items:center;border-top:1px solid #34507F;margin-top:24px;padding-top:18px}.copy{opacity:.7;font-size:13px}
@media(max-width:860px){.menu{display:block}nav{display:none;width:100%;flex-direction:column;padding-bottom:10px}.open nav{display:flex}.call{display:none}.cgrid{grid-template-columns:1fr}.hero{padding:56px 0 64px}}
.hdr{background:var(--teal)}.brand{color:#fff}.brand b{color:#fff;border-bottom:3px solid var(--warm)}nav a{color:#fff}nav a:hover,nav a[aria-current]{background:rgba(255,255,255,.14);color:#fff}.menu{color:#fff;border-color:rgba(255,255,255,.5)}
.btn{background:var(--teal);border-color:var(--teal)}.hero .btn:not(.ghost),.cta .btn:not(.ghost),.call{background:var(--warm);border-color:var(--warm)}.cta{background:var(--teal)}.eyebrow{color:#fff;opacity:.85}.ftr a{text-decoration:underline}.more{color:var(--warm)}
.hero{border-bottom:5px solid var(--warm)}