:root {
      /* Brand colors pulled from your logo board */
      --navy-950: #031b33;
      --navy-900: #062441;
      --navy-800: #0a3158;
      --navy-700: #123f6d;
      --slate-700: #5f6974;
      --slate-600: #707b86;
      --slate-200: #d8dee4;
      --slate-100: #eef2f5;
      --mist: #f6f8fa;
      --white: #ffffff;
      --ink: #101a27;
      --muted: #5f6d7a;
      --line: #dbe2e8;
      --shadow: 0 24px 70px rgba(3, 27, 51, 0.12);
      --shadow-soft: 0 14px 38px rgba(3, 27, 51, 0.08);
      --radius: 18px;
      --radius-lg: 28px;
      --max: 1180px;
    }

    * { box-sizing: border-box; }

    html { scroll-behavior: smooth; }

    body {
      margin: 0;
      font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", sans-serif;
      color: var(--ink);
      background: var(--white);
      line-height: 1.6;
    }

    a { color: inherit; text-decoration: none; }
    img { max-width: 100%; display: block; }
    .hidden { display: none !important; }

    .container {
      width: min(var(--max), calc(100% - 40px));
      margin: 0 auto;
    }

    .topbar {
      background: var(--navy-950);
      color: rgba(255, 255, 255, 0.82);
      font-size: 13px;
      letter-spacing: .08em;
      text-transform: uppercase;
      padding: 10px 0;
      border-bottom: 1px solid rgba(255,255,255,.12);
    }

    .topbar .container {
      display: flex;
      justify-content: space-between;
      gap: 18px;
      flex-wrap: wrap;
    }

    .site-header {
      position: sticky;
      top: 0;
      z-index: 30;
      background: rgba(3, 27, 51, .96);
      backdrop-filter: blur(14px);
      border-bottom: 1px solid rgba(255,255,255,.13);
      box-shadow: 0 8px 28px rgba(3,27,51,.16);
    }

    .nav {
      display: flex;
      align-items: center;
      justify-content: space-between;
      gap: 28px;
      min-height: 88px;
    }

    .brand {
      display: flex;
      align-items: center;
      min-width: 250px;
    }

    .brand img { width: 274px; height: auto; }

    .brand-text {
      flex-direction: column;
      align-items: flex-start;
      gap: 3px;
      color: var(--white);
      line-height: 1;
    }

    .brand-wordmark {
      font-size: 25px;
      font-weight: 950;
      letter-spacing: .02em;
    }

    .brand-subtitle {
      font-size: 11px;
      font-weight: 800;
      letter-spacing: .16em;
      text-transform: uppercase;
      color: rgba(255,255,255,.72);
    }

    .desktop-nav {
      display: flex;
      align-items: center;
      gap: 30px;
      color: rgba(255,255,255,.84);
      font-size: 13px;
      font-weight: 800;
      letter-spacing: .12em;
      text-transform: uppercase;
    }

    .desktop-nav a:not(.btn):hover { color: var(--white); }

    .btn {
      display: inline-flex;
      align-items: center;
      justify-content: center;
      min-height: 48px;
      padding: 0 22px;
      border: 1px solid transparent;
      border-radius: 2px;
      font-size: 13px;
      font-weight: 900;
      letter-spacing: .11em;
      text-transform: uppercase;
      line-height: 1;
      cursor: pointer;
      transition: transform .16s ease, background .16s ease, color .16s ease, border-color .16s ease, box-shadow .16s ease;
      white-space: nowrap;
    }

    .btn:hover { transform: translateY(-1px); }

    .btn-primary {
      background: var(--navy-900);
      color: var(--white);
      border-color: var(--navy-900);
      box-shadow: 0 18px 38px rgba(3,27,51,.20);
    }

    .btn-primary:hover { background: var(--navy-800); }

    .btn-light {
      background: var(--white);
      color: var(--navy-900);
      border-color: var(--white);
    }

    .btn-outline {
      background: transparent;
      color: var(--navy-900);
      border-color: var(--navy-900);
    }

    .btn-outline:hover {
      background: var(--navy-900);
      color: var(--white);
    }

    .btn-outline-light {
      background: transparent;
      color: var(--white);
      border-color: rgba(255,255,255,.55);
    }

    .btn-outline-light:hover {
      background: var(--white);
      color: var(--navy-900);
      border-color: var(--white);
    }

    .hero {
      position: relative;
      overflow: hidden;
      background:
        linear-gradient(90deg, rgba(255,255,255,.94) 0%, rgba(255,255,255,.88) 42%, rgba(255,255,255,.45) 62%, rgba(255,255,255,.1) 100%),
        radial-gradient(circle at 82% 18%, rgba(10,49,88,.15), transparent 34%),
        linear-gradient(135deg, #ffffff 0%, #f2f5f7 54%, #dde6ee 100%);
      border-bottom: 1px solid var(--line);
    }

    .hero::after {
      content: "";
      position: absolute;
      top: 72px;
      right: min(7vw, 82px);
      width: min(36vw, 420px);
      height: min(36vw, 420px);
      background: url("logo-mark.png") center/contain no-repeat;
      opacity: .055;
      pointer-events: none;
    }

    .hero-grid {
      position: relative;
      z-index: 1;
      display: grid;
      grid-template-columns: 1.02fr .98fr;
      gap: 56px;
      align-items: center;
      padding: 82px 0 70px;
    }

    .eyebrow {
      display: inline-flex;
      align-items: center;
      gap: 12px;
      color: var(--navy-900);
      font-size: 12px;
      font-weight: 900;
      letter-spacing: .18em;
      text-transform: uppercase;
      margin-bottom: 20px;
    }

    .eyebrow::before {
      content: "";
      width: 42px;
      height: 2px;
      background: var(--navy-900);
    }

    h1, h2, h3 {
      color: var(--navy-900);
      margin: 0;
      line-height: 1.08;
      letter-spacing: -.035em;
    }

    h1 { font-size: clamp(43px, 6vw, 72px); max-width: 720px; }
    h2 { font-size: clamp(32px, 4vw, 48px); }
    h3 { font-size: 22px; letter-spacing: -.025em; }

    .lead {
      font-size: 19px;
      color: var(--muted);
      max-width: 650px;
      margin: 24px 0 32px;
    }

    .hero-actions {
      display: flex;
      gap: 14px;
      flex-wrap: wrap;
      margin-bottom: 26px;
    }

    .micro-trust {
      display: flex;
      gap: 18px;
      flex-wrap: wrap;
      color: var(--navy-900);
      font-size: 13px;
      font-weight: 900;
      letter-spacing: .08em;
      text-transform: uppercase;
    }

    .micro-trust span {
      display: inline-flex;
      align-items: center;
      gap: 8px;
    }

    .micro-trust span::before {
      content: "";
      width: 7px;
      height: 7px;
      border-radius: 50%;
      background: var(--slate-600);
    }

    .quote-card {
      position: relative;
      background: rgba(255,255,255,.94);
      border: 1px solid var(--line);
      border-top: 5px solid var(--navy-900);
      box-shadow: var(--shadow);
      padding: 32px;
      border-radius: var(--radius-lg);
    }

    .quote-card::before {
      content: "";
      position: absolute;
      inset: 18px 18px auto auto;
      width: 88px;
      height: 98px;
      background: url("logo-mark.png") center/contain no-repeat;
      opacity: .045;
      pointer-events: none;
    }

    .quote-card h2 { font-size: 34px; }
    .quote-card p { color: var(--muted); margin: 10px 0 22px; }

    form { display: grid; gap: 13px; }

    input, select, textarea {
      width: 100%;
      border: 1px solid var(--line);
      border-radius: 3px;
      padding: 15px 14px;
      font: inherit;
      background: var(--white);
      color: var(--ink);
      outline: none;
      transition: border-color .16s ease, box-shadow .16s ease;
    }

    input:focus, select:focus, textarea:focus {
      border-color: var(--navy-700);
      box-shadow: 0 0 0 4px rgba(10,49,88,.08);
    }

    .checkbox {
      display: flex;
      align-items: flex-start;
      gap: 10px;
      color: var(--muted);
      font-size: 12px;
      line-height: 1.45;
      margin-top: 2px;
    }

    .checkbox input { width: auto; margin-top: 3px; }

    .sms-consent-box {
      margin-top: 8px;
      padding: 12px;
      border: 1px solid var(--line);
      background: #f9fbfc;
      border-radius: 6px;
    }

    .sms-consent-box > strong {
      display: block;
      margin-bottom: 8px;
      color: var(--navy-900);
      font-size: 12px;
      font-weight: 900;
      letter-spacing: .08em;
      text-transform: uppercase;
    }

    .trust-strip {
      background: var(--white);
      border-bottom: 1px solid var(--line);
    }

    .trust-grid {
      display: grid;
      grid-template-columns: repeat(3, 1fr);
    }

    .trust-item {
      display: grid;
      grid-template-columns: 48px 1fr;
      gap: 16px;
      align-items: center;
      padding: 26px 24px;
      border-left: 1px solid var(--line);
    }

    .trust-item:first-child { border-left: 0; }

    .trust-icon {
      display: grid;
      place-items: center;
      width: 48px;
      height: 48px;
      color: var(--navy-900);
    }

    .trust-icon svg { width: 42px; height: 42px; stroke-width: 1.7; }

    .trust-item strong {
      display: block;
      color: var(--navy-900);
      font-size: 12px;
      letter-spacing: .14em;
      text-transform: uppercase;
      line-height: 1.25;
    }

    .trust-item span {
      display: block;
      color: var(--muted);
      font-size: 14px;
      margin-top: 4px;
    }

    .section { padding: 84px 0; }
    .section.soft { background: var(--mist); }
    .section.dark { background: var(--navy-950); color: rgba(255,255,255,.78); }

    .section-head {
      max-width: 790px;
      margin-bottom: 38px;
    }

    .section-head.center {
      text-align: center;
      margin-left: auto;
      margin-right: auto;
    }

    .section-kicker {
      color: var(--slate-700);
      font-size: 12px;
      font-weight: 900;
      letter-spacing: .18em;
      text-transform: uppercase;
      margin-bottom: 12px;
    }

    .section-head p,
    .copy p {
      color: var(--muted);
      font-size: 18px;
      margin: 14px 0 0;
    }

    .cards {
      display: grid;
      grid-template-columns: repeat(4, 1fr);
      gap: 18px;
    }

    .card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius);
      padding: 28px;
      box-shadow: var(--shadow-soft);
      min-height: 265px;
      display: flex;
      flex-direction: column;
      justify-content: space-between;
      position: relative;
      overflow: hidden;
    }

    .card::after {
      content: "";
      position: absolute;
      left: 28px;
      top: 0;
      width: 54px;
      height: 3px;
      background: var(--navy-900);
    }

    .card p { color: var(--muted); margin: 12px 0 22px; }

    .card-link {
      color: var(--navy-900);
      font-size: 12px;
      font-weight: 900;
      letter-spacing: .14em;
      text-transform: uppercase;
    }

    .icon {
      width: 54px;
      height: 54px;
      display: grid;
      place-items: center;
      color: var(--navy-900);
      margin-bottom: 18px;
    }

    .icon svg { width: 48px; height: 48px; stroke-width: 1.55; }

    .split {
      display: grid;
      grid-template-columns: .92fr 1.08fr;
      gap: 52px;
      align-items: center;
    }

    .process-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 28px;
      box-shadow: var(--shadow-soft);
    }

    .steps {
      counter-reset: step;
      display: grid;
      gap: 14px;
    }

    .step {
      counter-increment: step;
      display: grid;
      grid-template-columns: 62px 1fr;
      gap: 18px;
      align-items: start;
      padding: 20px;
      border: 1px solid var(--line);
      border-radius: var(--radius);
      background: var(--white);
    }

    .step::before {
      content: counter(step);
      width: 48px;
      height: 48px;
      display: grid;
      place-items: center;
      background: var(--navy-900);
      color: var(--white);
      font-weight: 900;
      border-radius: 50%;
      box-shadow: 0 12px 30px rgba(3,27,51,.16);
    }

    .step p { margin: 6px 0 0; color: var(--muted); }

    .brand-panel {
      position: relative;
      background: linear-gradient(135deg, var(--navy-950), var(--navy-800));
      border-radius: var(--radius-lg);
      padding: 38px;
      color: rgba(255,255,255,.78);
      overflow: hidden;
      box-shadow: var(--shadow);
    }

    .brand-panel::after {
      content: "";
      position: absolute;
      right: -40px;
      bottom: -54px;
      width: 230px;
      height: 255px;
      background: url("logo-mark-light.png") center/contain no-repeat;
      opacity: .1;
    }

    .brand-panel h2 { color: var(--white); }
    .brand-panel p { color: rgba(255,255,255,.78); }

    .check-list {
      display: grid;
      gap: 14px;
      padding: 0;
      margin: 24px 0 0;
      list-style: none;
    }

    .check-list li {
      display: grid;
      grid-template-columns: 20px 1fr;
      gap: 12px;
      color: inherit;
    }

    .check-list li::before {
      content: "";
      width: 18px;
      height: 18px;
      margin-top: 4px;
      background: var(--navy-900);
      border-radius: 50%;
      box-shadow: inset 0 0 0 5px var(--white);
    }

    .section.dark h2,
    .section.dark h3 { color: var(--white); }
    .section.dark .section-kicker { color: rgba(255,255,255,.66); }
    .section.dark p { color: rgba(255,255,255,.75); }

    .about-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 34px;
      box-shadow: var(--shadow);
      display: grid;
      grid-template-columns: .7fr 1.3fr;
      gap: 30px;
      align-items: center;
    }

    .portrait-placeholder {
      min-height: 245px;
      border-radius: 22px;
      background:
        linear-gradient(135deg, rgba(3,27,51,.9), rgba(10,49,88,.75)),
        url("logo-mark-light.png") center/42% no-repeat;
      display: grid;
      place-items: end start;
      padding: 24px;
      color: var(--white);
      overflow: hidden;
      position: relative;
    }

    .portrait-placeholder span {
      position: relative;
      z-index: 2;
      font-weight: 900;
      letter-spacing: .13em;
      text-transform: uppercase;
      font-size: 12px;
    }

    .portrait-photo {
      width: 100%;
      min-height: 360px;
      aspect-ratio: 4 / 5;
      border-radius: 22px;
      object-fit: cover;
      object-position: center 24%;
      border: 1px solid rgba(216,222,228,.9);
      box-shadow: 0 18px 42px rgba(3,27,51,.14);
      background: var(--slate-100);
    }

    .about-card p { color: var(--muted); }

    .feature-list {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 14px;
      margin-top: 22px;
    }

    .feature {
      border: 1px solid var(--line);
      background: var(--mist);
      border-radius: 14px;
      padding: 16px;
      font-weight: 800;
      color: var(--navy-900);
    }

    .faq-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 14px;
    }

    details {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: 12px;
      padding: 18px 20px;
      box-shadow: 0 10px 24px rgba(3,27,51,.045);
    }

    summary {
      color: var(--navy-900);
      font-weight: 900;
      cursor: pointer;
    }

    details p { color: var(--muted); margin: 10px 0 0; }

    .cta-band {
      background: linear-gradient(135deg, var(--navy-950), var(--navy-800));
      color: var(--white);
      border-radius: var(--radius-lg);
      padding: 44px;
      display: grid;
      grid-template-columns: 72px 1fr auto;
      gap: 24px;
      align-items: center;
      box-shadow: var(--shadow);
      position: relative;
      overflow: hidden;
    }

    .cta-band::after {
      content: "";
      position: absolute;
      right: -46px;
      top: -60px;
      width: 210px;
      height: 235px;
      background: url("logo-mark-light.png") center/contain no-repeat;
      opacity: .065;
    }

    .cta-band img { width: 62px; opacity: .95; }
    .cta-band h2 { color: var(--white); font-size: clamp(28px, 4vw, 42px); }
    .cta-band p { margin: 8px 0 0; color: rgba(255,255,255,.76); }
    .cta-actions { display: flex; gap: 12px; flex-wrap: wrap; position: relative; z-index: 1; }

    .disclaimer {
      background: var(--mist);
      border-top: 1px solid var(--line);
      color: var(--muted);
      font-size: 13px;
      padding: 26px 0;
    }

    footer {
      background: var(--navy-950);
      color: rgba(255,255,255,.72);
      padding: 46px 0 28px;
    }

    .footer-grid {
      display: grid;
      grid-template-columns: 1.1fr repeat(4, .7fr);
      gap: 34px;
      align-items: start;
      padding-bottom: 30px;
      border-bottom: 1px solid rgba(255,255,255,.13);
    }

    .footer-logo { width: 285px; margin-bottom: 14px; }

    .footer-brand {
      color: var(--white);
      font-size: 27px;
      line-height: 1;
      font-weight: 950;
      letter-spacing: .02em;
      margin-bottom: 6px;
    }

    .footer-license {
      margin: 0 0 14px;
      color: rgba(255,255,255,.68);
      font-size: 12px;
      font-weight: 800;
      letter-spacing: .14em;
      text-transform: uppercase;
    }

    footer h4 {
      color: var(--white);
      margin: 0 0 12px;
      font-size: 12px;
      letter-spacing: .16em;
      text-transform: uppercase;
    }

    footer a {
      display: block;
      margin: 8px 0;
      color: rgba(255,255,255,.70);
      font-size: 14px;
    }

    footer a:hover { color: var(--white); }

    .footer-bottom {
      display: flex;
      justify-content: space-between;
      gap: 18px;
      flex-wrap: wrap;
      padding-top: 24px;
      font-size: 13px;
      color: rgba(255,255,255,.58);
    }

    .mobile-cta {
      display: none;
      position: fixed;
      left: 12px;
      right: 12px;
      bottom: 12px;
      z-index: 50;
    }

    .mobile-cta .btn { width: 100%; border-radius: 6px; }

    @media (max-width: 1020px) {
      .cards { grid-template-columns: repeat(2, 1fr); }
      .desktop-nav { gap: 18px; }
      .brand img { width: 235px; }
      .brand-wordmark { font-size: 22px; }
    }

    @media (max-width: 880px) {
      .topbar { font-size: 11px; }
      .desktop-nav a:not(.btn) { display: none; }
      .nav { min-height: 78px; }
      .brand { min-width: 0; }
      .brand img { width: 220px; }
      .brand-wordmark { font-size: 21px; }
      .brand-subtitle { font-size: 10px; }
      .hero-grid, .split, .about-card, .cta-band, .footer-grid { grid-template-columns: 1fr; }
      .hero-grid { padding: 54px 0 46px; }
      .quote-card { padding: 24px; }
      .trust-grid { grid-template-columns: 1fr; }
      .trust-item { border-left: 0; border-top: 1px solid var(--line); padding: 22px 0; }
      .trust-item:first-child { border-top: 0; }
      .section { padding: 58px 0; }
      .cards, .faq-grid, .feature-list { grid-template-columns: 1fr; }
      .cta-band { padding: 30px; }
      .footer-logo { width: 260px; }
      body { padding-bottom: 76px; }
      .mobile-cta { display: block; }
    }

    @media (max-width: 520px) {
      .container { width: min(100% - 28px, var(--max)); }
      .desktop-nav .btn { display: none; }
      .brand img { width: 205px; }
      .brand-wordmark { font-size: 20px; }
      h1 { font-size: 41px; }
      .hero-actions .btn { width: 100%; }
      .micro-trust { display: grid; gap: 10px; }
      .card { min-height: auto; }
    }

    .form-note {
      color: var(--muted);
      font-size: 12px;
      line-height: 1.45;
      margin: -2px 0 2px;
    }

    .form-note a,
    .checkbox a,
    .policy-content a {
      color: var(--navy-900);
      font-weight: 800;
      text-decoration: underline;
      text-underline-offset: 3px;
    }

    .checkbox.optional span {
      color: #4f5e6b;
    }

    .subpage-hero {
      position: relative;
      overflow: hidden;
      background:
        linear-gradient(135deg, #ffffff 0%, #f4f7f9 58%, #e7eef4 100%);
      border-bottom: 1px solid var(--line);
      padding: 74px 0 62px;
    }

    .subpage-hero::after {
      content: "";
      position: absolute;
      right: min(6vw, 88px);
      top: 38px;
      width: min(30vw, 330px);
      height: min(30vw, 330px);
      background: url("logo-mark.png") center/contain no-repeat;
      opacity: .045;
      pointer-events: none;
    }

    .subpage-hero .container {
      position: relative;
      z-index: 1;
    }

    .subpage-hero h1 {
      max-width: 840px;
      font-size: clamp(40px, 5vw, 62px);
    }

    .subpage-hero p {
      max-width: 780px;
      color: var(--muted);
      font-size: 19px;
      margin: 20px 0 0;
    }

    .policy-wrap {
      display: grid;
      grid-template-columns: 250px 1fr;
      gap: 46px;
      align-items: start;
    }

    .policy-nav {
      position: sticky;
      top: 116px;
      background: var(--mist);
      border: 1px solid var(--line);
      border-radius: 16px;
      padding: 18px;
    }

    .policy-nav strong {
      display: block;
      color: var(--navy-900);
      font-size: 12px;
      letter-spacing: .14em;
      text-transform: uppercase;
      margin-bottom: 10px;
    }

    .policy-nav a {
      display: block;
      color: var(--muted);
      font-weight: 750;
      padding: 8px 0;
      border-top: 1px solid var(--line);
    }

    .policy-content {
      max-width: 870px;
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 42px;
      box-shadow: var(--shadow-soft);
    }

    .policy-content h2 {
      font-size: clamp(26px, 3vw, 36px);
      margin-top: 34px;
    }

    .policy-content h2:first-child { margin-top: 0; }
    .policy-content h3 { margin-top: 26px; font-size: 21px; }
    .policy-content p, .policy-content li { color: var(--muted); font-size: 17px; }
    .policy-content ul { padding-left: 22px; }
    .policy-content li { margin: 9px 0; }
    .policy-content .updated { color: var(--slate-700); font-size: 14px; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }

    .contact-grid {
      display: grid;
      grid-template-columns: .92fr 1.08fr;
      gap: 34px;
      align-items: start;
    }

    .info-card {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 30px;
      box-shadow: var(--shadow-soft);
    }

    .info-list {
      display: grid;
      gap: 16px;
      margin-top: 20px;
    }

    .info-list a, .info-list span {
      display: block;
      color: var(--navy-900);
      font-weight: 850;
    }

    .info-list small {
      display: block;
      color: var(--muted);
      font-size: 13px;
      text-transform: uppercase;
      letter-spacing: .12em;
      font-weight: 900;
      margin-bottom: 4px;
    }

    .service-detail-grid {
      display: grid;
      grid-template-columns: repeat(2, 1fr);
      gap: 20px;
    }

    .service-detail {
      background: var(--white);
      border: 1px solid var(--line);
      border-radius: var(--radius-lg);
      padding: 30px;
      box-shadow: var(--shadow-soft);
    }

    .service-detail p, .service-detail li { color: var(--muted); }
    .service-detail ul { padding-left: 20px; margin-bottom: 0; }

    @media (max-width: 980px) {
      .policy-wrap, .contact-grid, .service-detail-grid { grid-template-columns: 1fr; }
      .policy-nav { position: static; }
    }

    @media (max-width: 620px) {
      .policy-content { padding: 26px; }
      .subpage-hero { padding: 54px 0 46px; }
    }

    .business-identity-note {
      color: var(--muted);
      font-size: 14px;
      line-height: 1.55;
      margin: -4px 0 18px;
    }

    .footer-contact-label {
      display: block;
      color: rgba(255,255,255,.74);
      font-size: 13px;
      line-height: 1.5;
      margin-bottom: 8px;
    }