:root{
  --bg:#f4f6f9;
  --card:#ffffff;
  --text:#132235;
  --muted:#5b6b7c;
  --line:rgba(19,34,53,.12);
  --nav:#eef2f7;
  --brand:#1f4a86;
  --btn:#1f4a86;
  --btn2:#16365f;
  --shadow: 0 10px 28px rgba(0,0,0,.10);
  --radius: 14px;
  --container: 1120px;
}

*{box-sizing:border-box}
html,body{height:100%}
body{
  margin:0;
  font-family: ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Helvetica, Arial, "Apple Color Emoji","Segoe UI Emoji";
  color:var(--text);
  background:var(--bg);
}

a{color:inherit; text-decoration:none}
a:hover{opacity:.92}

.container{
  width:100%;
  max-width:var(--container);
  margin:0 auto;
  padding:0 18px;
}

/* Top strip */
.topStrip{
  background:#ffffff;
  border-bottom:1px solid var(--line);
  font-size:13px;
  color:var(--muted);
}
.topStripInner{
  display:flex;
  justify-content:space-between;
  align-items:center;
  padding:10px 0;
}
.topStrip a{color:var(--muted)}
.dot{margin:0 8px; opacity:.7}

/* Header */
.header{
  background:#ffffff;
  border-bottom:1px solid var(--line);
}
.headerRowA{
  display:flex;
  align-items:center;
  justify-content:space-between;
  padding:18px 0 14px;
  gap:16px;
}
.brand{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-weight:700;
  font-size:28px;
  letter-spacing:.2px;
}
.brandDot{opacity:.55; font-weight:600}
.headerActions{
  display:flex;
  align-items:center;
  gap:14px;
}
.headerLink{color:var(--muted); font-size:14px}
.headerPhone{
  font-weight:700;
  font-size:14px;
  padding:10px 12px;
  border:1px solid var(--line);
  border-radius:999px;
  background:#fff;
}

.navRowB{
  background:var(--nav);
  border-top:1px solid var(--line);
}
.navInner{
  display:flex;
  align-items:center;
  gap:14px;
  padding:10px 0;
  overflow:auto;
}
.navItem{
  white-space:nowrap;
  font-size:14px;
  color:#23374e;
  padding:10px 10px;
  border-radius:10px;
}
.navItem.active{
  background:#ffffff;
  border:1px solid var(--line);
}
.navSpacer{flex:1}

/* More dropdown */
.navMore{position:relative}
.navMoreSummary{list-style:none; cursor:pointer}
.navMoreSummary::-webkit-details-marker{display:none}
.navMore[open] .navMoreSummary{background:#fff; border:1px solid var(--line)}
.navMoreMenu{
  position:absolute;
  right:0;
  top:44px;
  min-width:220px;
  background:#fff;
  border:1px solid var(--line);
  border-radius:12px;
  box-shadow:var(--shadow);
  padding:10px;
  display:flex;
  flex-direction:column;
  gap:6px;
  z-index:10;
}
.navMoreMenu a{
  padding:10px 10px;
  border-radius:10px;
  color:#23374e;
}
.navMoreMenu a:hover{background:#f3f6fb}

/* Hero */
.hero{
  position:relative;
  min-height:420px;
  display:flex;
  align-items:center;
  border-bottom:1px solid var(--line);
}
.heroBg{
  position:absolute;
  inset:0;
  background:
    linear-gradient(180deg, rgba(17,34,52,.55), rgba(17,34,52,.15)),
    linear-gradient(90deg, rgba(0,0,0,.25), rgba(0,0,0,0)),
    url("https://images.unsplash.com/photo-1521791136064-7986c2920216?auto=format&fit=crop&w=2000&q=60");
  background-size:cover;
  background-position:center;
  filter:saturate(1.02);
}
.heroInner{
  position:relative;
  padding:54px 0;
}
.heroCard{
  max-width:780px;
  margin:0 auto;
  background:rgba(255,255,255,.94);
  border:1px solid rgba(255,255,255,.50);
  border-radius:18px;
  box-shadow:var(--shadow);
  padding:28px;
  text-align:center;
  backdrop-filter: blur(6px);
}
.heroCard h1{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size:46px;
  line-height:1.05;
  margin:0 0 10px;
}
.heroSub{
  margin:0 auto 16px;
  max-width:56ch;
  color:#2b4058;
  font-size:16px;
}
.heroSearch{
  display:flex;
  gap:10px;
  justify-content:center;
  margin:10px 0 10px;
}
.heroSearch input{
  width:min(560px, 100%);
  padding:14px 14px;
  border-radius:12px;
  border:1px solid var(--line);
  font-size:15px;
  outline:none;
  background:#fff;
}
.heroSearch input:focus{border-color:rgba(31,74,134,.55)}
.heroSearch button{
  padding:14px 16px;
  border-radius:12px;
  border:1px solid rgba(31,74,134,.35);
  background:linear-gradient(180deg, var(--btn), var(--btn2));
  color:#fff;
  font-weight:700;
  cursor:pointer;
  min-width:132px;
}
.heroBadges{
  margin-top:10px;
  color:#2b4058;
  font-size:14px;
}
.heroBadges .sep{opacity:.6; margin:0 8px}
.heroFinePrint{
  margin-top:12px;
  font-size:12px;
  color:var(--muted);
}

/* Sections */
.section{padding:46px 0}
.sectionTight{padding:34px 0}
.sectionAlt{background:#eef2f7; border-top:1px solid var(--line); border-bottom:1px solid var(--line)}
.sectionTitle{
  margin:0 0 16px;
  font-size:20px;
  color:#1a2c41;
}

/* Tiles */
.tiles{
  display:grid;
  grid-template-columns:repeat(4, minmax(0, 1fr));
  gap:14px;
}
.tile{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  padding:16px;
  box-shadow: 0 6px 18px rgba(0,0,0,.06);
  transition: transform .12s ease;
  min-height:108px;
}
.tile:hover{transform: translateY(-2px)}
.tileTitle{font-weight:800; margin-bottom:6px}
.tileDesc{color:var(--muted); font-size:13px; line-height:1.35}

/* Cards + layouts */
.card{
  background:var(--card);
  border:1px solid var(--line);
  border-radius:var(--radius);
  box-shadow: 0 8px 22px rgba(0,0,0,.08);
  padding:18px;
}
.cardTitle{
  margin:0 0 10px;
  font-size:18px;
}
.twoCol{
  display:grid;
  grid-template-columns: 2fr 1fr;
  gap:14px;
}
.threeCol{
  display:grid;
  grid-template-columns: 1.2fr 1.2fr 1fr;
  gap:14px;
}

.steps{display:flex; flex-direction:column; gap:12px; margin-top:10px}
.step{display:flex; gap:12px; align-items:flex-start}
.stepNum{
  width:32px; height:32px;
  border-radius:10px;
  background:#f1f5fb;
  border:1px solid var(--line);
  display:flex; align-items:center; justify-content:center;
  font-weight:800;
  color:#1b3e72;
}
.stepTitle{font-weight:800}
.stepDesc{color:var(--muted); font-size:13px; margin-top:2px}

.bullets{margin:10px 0 0; padding-left:18px; color:#2b4058}
.bullets li{margin:8px 0}
.miniNote{margin-top:12px; font-size:12px; color:var(--muted)}

.muted{color:var(--muted)}
.small{font-size:12px}

.guideList{display:flex; flex-direction:column; gap:10px; margin:10px 0 12px}
.guideItem{
  border:1px solid var(--line);
  border-radius:12px;
  padding:12px;
  background:#fff;
}
.guideTitle{font-weight:800; margin-bottom:4px}
.guideMeta{font-size:12px; color:var(--muted)}
.textLink{display:inline-block; margin-top:6px; color:var(--brand); font-weight:700}

.featuredMedia{
  height:160px;
  border-radius:12px;
  border:1px solid var(--line);
  background:
    linear-gradient(180deg, rgba(0,0,0,.0), rgba(0,0,0,.25)),
    url("https://images.unsplash.com/photo-1524492412937-b28074a5d7da?auto=format&fit=crop&w=1400&q=60");
  background-size:cover;
  background-position:center;
  margin:10px 0 12px;
}
.featuredTitle{font-weight:900; font-size:16px; margin-bottom:6px}

.btnRow{display:flex; gap:10px; margin-top:12px; flex-wrap:wrap}
.btn{
  display:inline-flex;
  align-items:center;
  justify-content:center;
  padding:10px 12px;
  border-radius:12px;
  background:linear-gradient(180deg, var(--btn), var(--btn2));
  color:#fff;
  font-weight:800;
  border:1px solid rgba(31,74,134,.35);
}
.btnGhost{
  background:#fff;
  color:#1f4a86;
  border:1px solid var(--line);
}
.btnLarge{padding:12px 16px; border-radius:14px}

.quote{
  margin:10px 0 14px;
  padding:14px;
  border:1px solid var(--line);
  border-radius:12px;
  background:#fff;
  color:#2b4058;
}
.quote footer{margin-top:10px; color:var(--muted); font-size:13px}

.sideCta{
  margin-top:12px;
  padding-top:12px;
  border-top:1px solid var(--line);
}
.sideCtaTitle{font-weight:900; margin-bottom:8px}
.sideSearch{
  display:flex;
  gap:10px;
}
.sideSearch input{
  flex:1;
  padding:12px 12px;
  border-radius:12px;
  border:1px solid var(--line);
  outline:none;
  background:#fff;
}
.sideSearch button{
  width:44px;
  border-radius:12px;
  border:1px solid rgba(31,74,134,.35);
  background:linear-gradient(180deg, var(--btn), var(--btn2));
  color:#fff;
  font-weight:900;
  cursor:pointer;
}

/* CTA band */
.ctaBand{
  background:#0f2745;
  color:#fff;
  padding:28px 0;
}
.ctaBandInner{
  display:flex;
  align-items:center;
  justify-content:space-between;
  gap:14px;
}
.ctaBandTitle{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-size:26px;
  font-weight:800;
}
.ctaBandSub{opacity:.88; margin-top:4px}

/* Footer */
.footer{
  background:#0b1e35;
  color:rgba(255,255,255,.86);
  padding:34px 0 18px;
}
.footerTop{
  display:grid;
  grid-template-columns: 1.2fr 2fr;
  gap:18px;
  padding-bottom:18px;
  border-bottom:1px solid rgba(255,255,255,.12);
}
.footerLogo{
  font-family: ui-serif, Georgia, "Times New Roman", Times, serif;
  font-weight:900;
  font-size:22px;
}
.footerLogo span{opacity:.65}
.footerDesc{margin-top:10px; color:rgba(255,255,255,.70); font-size:13px; line-height:1.45}
.footerCols{
  display:grid;
  grid-template-columns:repeat(4, minmax(0, 1fr));
  gap:14px;
}
.footerCol{display:flex; flex-direction:column; gap:8px}
.footerTitle{font-weight:900; color:#fff; margin-bottom:6px}
.footerCol a{color:rgba(255,255,255,.72); font-size:13px}
.footerCol a:hover{color:#fff}

.footerBottom{
  display:flex;
  justify-content:space-between;
  align-items:center;
  gap:12px;
  padding-top:14px;
  font-size:13px;
  color:rgba(255,255,255,.68);
}
.footerBottomLinks{display:flex; gap:12px}
.footerBottomLinks a{color:rgba(255,255,255,.68)}
.footerBottomLinks a:hover{color:#fff}

/* Responsive */
@media (max-width: 980px){
  .heroCard h1{font-size:38px}
  .tiles{grid-template-columns:repeat(2, minmax(0, 1fr))}
  .twoCol{grid-template-columns:1fr}
  .threeCol{grid-template-columns:1fr}
  .footerTop{grid-template-columns:1fr}
  .footerCols{grid-template-columns:repeat(2, minmax(0, 1fr))}
}

@media (max-width: 520px){
  .heroSearch{flex-direction:column}
  .heroSearch button{width:100%}
  .brand{font-size:24px}
  .headerPhone{display:none}
  .footerCols{grid-template-columns:1fr}
}
.heroBg {
  transition: opacity 0.6s ease;
}

.heroBg.fade {
  opacity: 0;
}