:root{--blue:#1f5a8e;--navy:#173b5d;--deep:#0f2f4d;--orange:#f28c28;--text:#24384b;--muted:#687789;--bg:#f4f7fa;--card:#ffffff;--line:#d9e2ec}*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:var(--bg);color:var(--text);line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.topbar{background:linear-gradient(135deg,var(--blue),var(--navy));color:#fff}.nav{max-width:1120px;margin:0 auto;padding:18px 24px;display:flex;align-items:center;justify-content:space-between;gap:18px}.brand{font-size:26px;letter-spacing:1px;font-weight:700;color:#fff}.brand span{color:var(--orange)}.claim{font-size:14px;color:#dce8f4}.navlinks{display:flex;gap:20px;font-size:14px}.navlinks a{color:#fff}.hero{max-width:1120px;margin:0 auto;padding:66px 24px 76px}.hero h1{font-size:46px;line-height:1.12;margin:0 0 18px;color:#fff}.hero p{max-width:760px;font-size:20px;color:#eaf1f8;margin:0 0 28px}.pillrow{display:flex;flex-wrap:wrap;gap:10px;margin:24px 0}.pill{border:1px solid rgba(255,255,255,.35);color:#fff;padding:7px 12px;border-radius:999px;font-size:14px}.btn{display:inline-block;background:var(--orange);color:#fff!important;padding:12px 18px;border-radius:4px;font-weight:700}.main{max-width:1120px;margin:-34px auto 0;padding:0 24px 40px}.card{background:var(--card);border-radius:12px;box-shadow:0 8px 30px rgba(16,48,79,.12);padding:34px;margin-bottom:24px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.tile{background:#fff;border:1px solid var(--line);border-radius:10px;padding:24px}.tile h3{margin-top:0;color:var(--navy)}h2{color:var(--navy);font-size:30px;margin:0 0 16px}.accent{height:4px;width:88px;background:var(--orange);margin:14px 0 24px}.muted{color:var(--muted)}.legal .card{max-width:900px;margin:30px auto}.legal h1{color:var(--navy);font-size:36px}.legal h2{font-size:22px;margin-top:28px}.footer{background:var(--deep);color:#dbe8f4;padding:28px 24px;margin-top:40px}.footer-inner{max-width:1120px;margin:0 auto;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}.footer a{color:#fff}.contactline{border-left:4px solid var(--orange);padding-left:16px}.small{font-size:14px}.notice{background:#eef5fb;border-left:4px solid var(--blue);padding:16px;border-radius:6px}@media(max-width:780px){.grid{grid-template-columns:1fr}.nav{display:block}.navlinks{margin-top:12px;flex-wrap:wrap}.hero h1{font-size:34px}.hero{padding-top:40px}.main{margin-top:-20px}}