:root {
  --royal: #1A3C7A;
  --gold: #F3D577;
  --gray: #666666;
  --text: #222;
  --bg: #fff;
}
* { box-sizing: border-box; }
html, body { margin:0; padding:0; font-family: system-ui, -apple-system, Segoe UI, Roboto, Arial, sans-serif; color: var(--text); background: var(--bg);}
a { color: var(--royal); }
.skip-link { position:absolute; left:-9999px; top:auto; width:1px; height:1px; overflow:hidden; }
.skip-link:focus { position:static; width:auto; height:auto; padding:8px; background:#eee; }

.container { max-width: 1100px; margin: 0 auto; padding: 0 1rem; }
.site-header { background:#fff; border-bottom:1px solid #eee; position:sticky; top:0; z-index: 10; }
.header-inner { display:flex; align-items:center; justify-content:space-between; gap:1rem; padding:0.5rem 0; }
.brand img { display:block; height:auto; }

.nav-toggle { display:none; }
.menu { list-style:none; display:flex; gap:1rem; margin:0; padding:0; align-items:center; }
.menu a { text-decoration:none; padding:.5rem .75rem; border-radius:.5rem; }
.menu .btn.small { padding:.4rem .6rem; }
.btn { display:inline-block; font-weight:600; text-decoration:none; padding:.8rem 1.2rem; border-radius:.75rem; border:2px solid var(--royal); color:var(--royal); }
.btn.gold { background: var(--gold); border-color: var(--gold); color:#222; }
.btn.outline { background: transparent; }
.btn.link { border:none; padding:0; color:var(--royal); }

.hero { background: linear-gradient(120deg, var(--royal), #214a92); color:#fff; }
.hero-inner { padding: 4rem 0; }
.hero h1 { font-size: clamp(1.8rem, 3.5vw, 3rem); margin:0 0 .75rem 0; }
.hero .lead { font-size:1.1rem; opacity:.95; }
.hero .cta { margin:1rem 0; display:flex; gap:.75rem; flex-wrap:wrap; }
.badges { list-style:none; display:flex; gap:.75rem; padding:0; margin:1rem 0 0; flex-wrap:wrap; }
.badges li { background: rgba(255,255,255,.15); padding:.4rem .6rem; border-radius:999px; border:1px solid rgba(255,255,255,.25); }

.highlights { padding: 2.5rem 0; background:#fafafa; }
.grid { display:grid; gap:1.25rem; }
.grid.two { grid-template-columns: repeat(2, 1fr); }
.grid.three { grid-template-columns: repeat(3, 1fr); }
@media (max-width: 840px) { .grid.two, .grid.three { grid-template-columns: 1fr; } .menu { display:none; } .nav-toggle { display:block; } }

.card { background:#fff; border:1px solid #eee; border-radius:1rem; padding:1.25rem; }
.card h3 { margin-top:0; }
.arrow { color: var(--royal); text-decoration:none; font-weight:600; }

.provider { padding:2.5rem 0; }
.panel { background:linear-gradient(135deg,#f5f7fb,#ffffff); border:1px solid #eee; border-radius:1rem; padding:1.25rem; }
.check { list-style:none; padding-left:0; }
.check li::before { content:"✓ "; color: var(--royal); font-weight:700; }

.cta-band { background: linear-gradient(120deg, #1A3C7A, #214a92); color:#fff; }
.band { padding:2rem 0; text-align:center; }
.band a.btn { margin-top:.5rem; }

.page-hero { background:#fafafa; border-bottom:1px solid #eee; }
.page-hero .narrow { padding:2rem 0; }
.lead { color:#444; }

.service-sections { padding:2rem 0 3rem; }
.bullets { padding-left:1rem; }
.bullets li { margin:.4rem 0; }

.contact-section { padding:2rem 0 3rem; align-items:start; }
.contact-form label { display:block; margin-top:.75rem; }
.contact-form input, .contact-form textarea { width:100%; padding:.7rem .8rem; border:1px solid #ccc; border-radius:.5rem; }
.small { font-size:.85rem; color:#666; }
.map-placeholder { background:#eef3ff; border:1px dashed #aab8e6; color:#385; padding:2rem; border-radius:.75rem; text-align:center; margin-top:1rem; }

.site-footer { background:#0f244d; color:#e7ebf6; }
.site-footer h4 { margin-top:0; color: #F3D577; }
.site-footer a { color:#e7ebf6; }
.footer-grid { padding: 2rem 0; grid-template-columns: repeat(3, 1fr); }
.footer-bottom { display:flex; justify-content:space-between; padding: .8rem 0 1.4rem; border-top:1px solid rgba(255,255,255,.12); gap:1rem; }
.list { list-style:none; padding:0; margin:0; }
.list li { margin:.35rem 0; }