:root{
  --bg:#ffffff;
  --soft:#f4f7fb;
  --text:#0f172a;
  --muted:#475569;
  --line:#e2e8f0;
  --brand:#123a66;
  --brand-2:#0f766e;
  --dark:#07111f;
  --radius:18px;
  --shadow:0 18px 45px rgba(15,23,42,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--text);background:var(--bg);line-height:1.6}
a{color:inherit;text-decoration:none}
.container{width:min(1120px,92%);margin:0 auto}
.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.95);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:24px}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;color:var(--brand);letter-spacing:-.02em}
.brand img{width:42px;height:42px}
.nav{display:flex;gap:18px;align-items:center;font-size:14px;color:#334155;font-weight:650}
.nav a:hover{color:var(--brand-2)}
.hero{background:linear-gradient(135deg,#07111f 0%,#123a66 60%,#0f766e 100%);color:#fff;padding:86px 0}
.hero-grid,.two-col{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:.12em;font-size:12px;font-weight:800;color:var(--brand-2);margin:0 0 10px}
.hero .eyebrow{color:#7dd3fc}
h1{font-size:clamp(40px,6vw,68px);line-height:1.02;margin:0 0 22px;letter-spacing:-.05em}
h2{font-size:clamp(28px,4vw,44px);line-height:1.12;margin:0 0 18px;letter-spacing:-.035em}
h3{margin:0 0 10px;font-size:21px;line-height:1.25}
p{margin:0 0 16px;color:var(--muted)}
.hero p{color:#dbeafe}.lead{font-size:20px;font-weight:500}.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:999px;padding:12px 20px;font-weight:800;border:1px solid transparent;cursor:pointer}
.btn.primary{background:var(--brand-2);color:#fff}.btn.primary:hover{filter:brightness(.95)}
.btn.secondary{background:#fff;color:var(--brand);border-color:#fff}.btn.secondary:hover{background:#f8fafc}
.hero-card,.panel,.card,.policy-card,.quote-form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);padding:26px}
.hero-card{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.22);box-shadow:none}.hero-card h2{font-size:28px;color:#fff}.hero-card li{margin:10px 0;color:#e0f2fe}
.section{padding:78px 0}.section.soft{background:var(--soft)}.section-head{max-width:760px;margin-bottom:34px}.section-head p{font-size:17px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.cards.three{grid-template-columns:repeat(3,1fr)}
.card a{display:inline-block;margin-top:8px;color:var(--brand-2);font-weight:800}.card:hover{transform:translateY(-3px);transition:.2s ease}
.notice{background:#fff7ed;border:1px solid #fed7aa;border-radius:14px;padding:14px;color:#9a3412;font-size:14px}
.panel ul{margin:0;padding-left:20px}.panel li{margin:10px 0;color:var(--muted)}
.table-wrap{overflow:auto;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow);background:#fff}
table{width:100%;border-collapse:collapse;min-width:720px}th,td{text-align:left;padding:16px;border-bottom:1px solid var(--line)}th{background:#0f172a;color:#fff}tr:last-child td{border-bottom:0}
.company-details p{margin-bottom:10px}.company-details a{color:var(--brand-2);font-weight:800}
.policy-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}.policy-card p{font-size:15px}
.contact-section{background:#fff}.contact-links{display:grid;gap:10px;margin-top:20px}.contact-links a{font-weight:800;color:var(--brand-2)}
.quote-form{display:grid;gap:14px}.quote-form label{display:grid;gap:6px;font-weight:800;color:#1e293b;font-size:14px}.quote-form input,.quote-form select,.quote-form textarea{width:100%;padding:12px 13px;border:1px solid #cbd5e1;border-radius:12px;font:inherit;color:var(--text);background:#fff}.quote-form textarea{resize:vertical}.form-note{font-size:13px;margin:0;color:#64748b}
.site-footer{background:var(--dark);color:#fff;padding:54px 0 24px}.site-footer p{color:#cbd5e1;font-size:14px}.site-footer a{color:#a7f3d0}.footer-grid{display:grid;grid-template-columns:1fr 1.1fr 1.1fr;gap:34px}.footer-logo{width:48px;height:48px}.site-footer h2{font-size:24px}.site-footer h3{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:28px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;flex-wrap:wrap}
@media(max-width:900px){.header-inner{align-items:flex-start;flex-direction:column}.nav{flex-wrap:wrap}.hero-grid,.two-col{grid-template-columns:1fr}.cards,.cards.three,.policy-grid,.footer-grid{grid-template-columns:1fr}.section{padding:58px 0}.hero{padding:64px 0}}