:root{--navy:#02014d;--ink:#07142f;--blue:#619ae6;--electric:#2861e8;--cyan:#7ee5ff;--ice:#edf5ff;--white:#fff;--muted:#59667b;--line:rgba(2,1,77,.12);--shadow:0 24px 70px rgba(3,20,60,.16);--radius:26px;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:17px;line-height:1.65;background:#fff}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input{font:inherit}.skip{position:absolute;left:-999px;top:10px}.skip:focus{left:10px;z-index:1000;background:#fff;padding:10px}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.eyebrow{font-size:.78rem;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--electric);display:flex;align-items:center;gap:10px}.eyebrow:before{content:"";width:40px;height:4px;border-radius:9px;background:var(--cyan)}h1,h2,h3{line-height:1.04;letter-spacing:-.035em;margin:0 0 .6em}h1{font-size:clamp(3rem,6vw,6.4rem)}h2{font-size:clamp(2.15rem,4vw,4.4rem)}h3{font-size:1.35rem}.lede{font-size:clamp(1.1rem,1.6vw,1.32rem);color:#d6e2f5;max-width:730px}.small{font-size:.84rem}.muted{color:var(--muted)}
.site-header{position:sticky;top:0;z-index:90;background:rgba(255,255,255,.94);backdrop-filter:blur(16px);border-bottom:1px solid var(--line)}.nav{height:82px;display:flex;align-items:center;gap:28px}.brand img{width:200px;height:52px;object-fit:contain}.nav-links{display:flex;align-items:center;gap:28px;margin-left:auto;font-size:.92rem;font-weight:750}.nav-links a:hover,.nav-links a:focus{color:var(--electric)}.nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 22px;border-radius:999px;font-weight:800;border:1px solid transparent;transition:.2s ease;cursor:pointer}.nav-cta,.btn.primary{color:#fff;background:var(--electric);box-shadow:0 10px 28px rgba(40,97,232,.28)}.nav-cta:hover,.btn.primary:hover{transform:translateY(-2px);background:#174fd6}.btn.secondary{color:#fff;border-color:rgba(255,255,255,.35);background:rgba(255,255,255,.08)}.btn.light{background:#fff;color:var(--navy)}.menu-toggle{display:none;margin-left:auto;border:0;background:transparent;font-size:1.6rem}.phone{white-space:nowrap}.nav-parent{position:relative}.mega{display:none;position:absolute;top:30px;left:50%;transform:translateX(-50%);width:650px;background:#fff;padding:24px;border-radius:20px;box-shadow:var(--shadow);grid-template-columns:repeat(2,1fr);gap:9px}.nav-parent:hover .mega,.nav-parent:focus-within .mega{display:grid}.mega a{padding:9px 12px;border-radius:10px}.mega a:hover{background:var(--ice)}
.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff;min-height:760px;display:grid;align-items:center}.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 16% 20%,rgba(97,154,230,.23),transparent 29%),linear-gradient(90deg,rgba(2,1,77,1) 0%,rgba(2,1,77,.97) 44%,rgba(2,1,77,.18) 78%);z-index:1}.hero-media{position:absolute;inset:0 0 0 45%;width:55%;height:100%;object-fit:cover}.hero-grid{position:relative;z-index:2;display:grid;grid-template-columns:1.12fr .88fr;gap:65px;padding:115px 0 90px}.hero h1{max-width:820px}.hero h1 span{color:var(--cyan)}.hero-actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:34px}.trust-row{display:flex;gap:28px;flex-wrap:wrap;margin-top:44px;color:#d4e0f5;font-size:.93rem}.trust-row span:before{content:"✓";color:var(--cyan);margin-right:8px;font-weight:900}.hero-card{align-self:end;margin-top:340px;background:rgba(4,20,61,.76);border:1px solid rgba(126,229,255,.38);border-radius:var(--radius);padding:24px;backdrop-filter:blur(16px);box-shadow:var(--shadow)}.hero-card strong{display:block;font-size:2rem;color:#fff}.hero-card small{color:#c9d7ee}.hero-strip{position:absolute;bottom:0;z-index:3;width:100%;border-top:1px solid rgba(255,255,255,.15);background:rgba(2,1,77,.72);backdrop-filter:blur(12px)}.hero-strip .wrap{display:grid;grid-template-columns:repeat(4,1fr)}.metric{padding:20px 24px;border-left:1px solid rgba(255,255,255,.15)}.metric:last-child{border-right:1px solid rgba(255,255,255,.15)}.metric strong{display:block;font-size:1.45rem;color:#fff}.metric span{font-size:.78rem;color:#bccce4;text-transform:uppercase;letter-spacing:.1em}
.section{padding:110px 0}.section.tint{background:var(--ice)}.section.dark{background:var(--navy);color:#fff}.intro-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:80px;align-items:start}.section-copy p{color:var(--muted);max-width:780px}.dark .section-copy p{color:#c9d6e9}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:45px}.card{background:#fff;border:1px solid var(--line);border-radius:22px;padding:28px;transition:.22s ease}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.card .num{display:inline-flex;width:42px;height:42px;border-radius:50%;align-items:center;justify-content:center;background:var(--navy);color:var(--cyan);font-weight:800;margin-bottom:28px}.card p{color:var(--muted);font-size:.96rem}.card .arrow{color:var(--electric);font-weight:800}.dark .card{background:rgba(255,255,255,.07);border-color:rgba(255,255,255,.15)}.dark .card p{color:#cbd8ea}.dark .card .num{background:var(--cyan);color:var(--navy)}
.image-band{display:grid;grid-template-columns:1fr 1fr;min-height:620px;background:#061638;color:#fff}.image-band img{width:100%;height:100%;object-fit:cover}.image-band-content{padding:80px clamp(42px,7vw,110px);display:flex;flex-direction:column;justify-content:center}.image-band-content>*{max-width:690px}.image-band p{color:#c7d4e6}.check-list{list-style:none;padding:0;margin:28px 0}.check-list li{padding:10px 0 10px 34px;position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:var(--cyan);font-weight:900}
.compare{overflow:auto;border:1px solid var(--line);border-radius:24px;margin-top:38px;background:#fff}.compare table{border-collapse:collapse;width:100%;min-width:720px}.compare th,.compare td{text-align:left;padding:20px;border-bottom:1px solid var(--line)}.compare th{background:var(--navy);color:#fff}.compare td:first-child{font-weight:800}.compare tr:last-child td{border-bottom:0}.pill{display:inline-flex;padding:6px 12px;border-radius:999px;background:#dff7ff;color:#063550;font-size:.78rem;font-weight:800;text-transform:uppercase;letter-spacing:.08em}
.process{display:grid;grid-template-columns:repeat(3,1fr);gap:35px;margin-top:45px}.step{position:relative;padding-top:75px}.step:before{content:attr(data-step);position:absolute;top:0;left:0;font-size:3.5rem;line-height:1;font-weight:900;color:rgba(97,154,230,.32)}.step p{color:var(--muted)}
.quote{padding:38px;border-radius:24px;background:linear-gradient(135deg,var(--navy),#0a2c6e);color:#fff;box-shadow:var(--shadow)}.quote p{font-size:1.35rem;margin:0 0 16px}.quote small{color:#aebfda}.cta-panel{display:grid;grid-template-columns:1fr auto;gap:40px;align-items:center;background:linear-gradient(125deg,var(--navy),#113b8b);color:#fff;padding:58px;border-radius:32px;box-shadow:var(--shadow)}.cta-panel h2{font-size:clamp(2.2rem,4vw,4rem);margin-bottom:.25em}.cta-panel p{color:#ccd8ea;margin:0}
.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line)}summary{list-style:none;cursor:pointer;font-weight:800;padding:23px 45px 23px 0;position:relative}summary::-webkit-details-marker{display:none}summary:after{content:"+";position:absolute;right:5px;font-size:1.5rem;color:var(--electric)}details[open] summary:after{content:"–"}.faq-answer{padding:0 60px 24px 0;color:var(--muted)}
.page-hero{background:var(--navy);color:#fff;padding:110px 0 90px;position:relative;overflow:hidden}.page-hero:after{content:"";position:absolute;width:560px;height:560px;border-radius:50%;right:-180px;top:-220px;border:120px solid rgba(97,154,230,.13)}.breadcrumbs{font-size:.82rem;color:#aabbd5;margin-bottom:40px}.breadcrumbs a{color:var(--cyan)}.page-hero h1{font-size:clamp(3rem,5.7vw,5.8rem);max-width:970px}.page-hero .lede{max-width:820px}.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:rgba(255,255,255,.13);margin-top:55px;border:1px solid rgba(255,255,255,.13)}.fact{padding:22px;background:rgba(255,255,255,.05)}.fact strong{display:block;font-size:1.25rem}.fact span{font-size:.8rem;color:#b9c8dd}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:70px}.prose h2{font-size:clamp(2rem,3.4vw,3.2rem);margin-top:1.5em}.prose h3{margin-top:1.8em}.prose p,.prose li{color:#48556d}.prose img{border-radius:24px;max-height:490px;width:100%;object-fit:cover;margin:35px 0}.sidebar{position:sticky;top:110px;height:max-content}.side-card{background:var(--ice);padding:28px;border-radius:22px;margin-bottom:20px}.side-card.dark{background:var(--navy);color:#fff}.side-card a:not(.btn){display:block;padding:9px 0;border-bottom:1px solid rgba(97,154,230,.22);font-size:.92rem}.side-card p{font-size:.92rem}.related{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.related a{padding:24px;border:1px solid var(--line);border-radius:20px;background:#fff;font-weight:800}.related a:hover{border-color:var(--blue);box-shadow:var(--shadow)}
.apply-shell{background:linear-gradient(180deg,var(--navy) 0, #06153a 100%);padding:70px 0 100px;color:#fff}.form-frame{background:#fff;border-radius:28px;overflow:hidden;box-shadow:0 35px 100px rgba(0,0,0,.38)}.form-open{display:flex;align-items:center;justify-content:space-between;gap:20px;padding:15px 20px;background:#edf5ff;color:var(--ink);font-size:.86rem;border-bottom:1px solid var(--line)}.form-open a{font-weight:850;color:var(--electric);white-space:nowrap}.form-frame iframe{width:100%;height:790px;border:0;display:block}.booking-frame iframe{height:760px}.apply-grid{display:grid;grid-template-columns:.74fr 1.26fr;gap:50px;align-items:start}.apply-grid .lede{font-size:1.08rem}.security-note{font-size:.82rem;color:#b9c7da;margin-top:18px}
.calculator{display:grid;grid-template-columns:1fr 1fr;gap:28px;background:#fff;border:1px solid var(--line);border-radius:28px;padding:36px;box-shadow:var(--shadow)}.field{margin-bottom:22px}.field label{display:block;font-weight:800;margin-bottom:8px}.field input{width:100%;padding:14px;border:1px solid #ccd5e4;border-radius:12px}.calc-result{background:var(--navy);color:#fff;border-radius:22px;padding:32px;display:flex;flex-direction:column;justify-content:center}.calc-result output{font-size:clamp(2.4rem,5vw,4.8rem);font-weight:900;color:var(--cyan);line-height:1}.calc-result p{color:#c5d2e5}
.guide-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:40px}.guide{border:1px solid var(--line);border-radius:22px;overflow:hidden;background:#fff}.guide img{height:200px;width:100%;object-fit:cover}.guide-body{padding:24px}.resource-guides .guide{min-height:285px;display:flex;align-items:stretch}.resource-guides .guide-body{display:flex;flex-direction:column}.resource-guides .arrow{margin-top:auto}.guide .tag{font-size:.75rem;color:var(--electric);font-weight:800;text-transform:uppercase;letter-spacing:.1em}.guide p{color:var(--muted);font-size:.94rem}.guide h3{margin-top:8px}.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.contact-card{padding:30px;border-radius:22px;background:var(--ice)}
.footer{background:#01022b;color:#fff;padding:75px 0 30px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:45px}.footer img{width:200px;height:auto;aspect-ratio:200/52;object-fit:contain;background:#fff;border-radius:13px;padding:8px}.footer p,.footer a{color:#aebdd3;font-size:.9rem}.footer a{display:block;margin:8px 0}.footer a:hover{color:var(--cyan)}.footer h3{font-size:1rem;letter-spacing:0;margin-top:0}.footer-bottom{border-top:1px solid rgba(255,255,255,.14);margin-top:48px;padding-top:24px;display:flex;justify-content:space-between;gap:30px;color:#91a4c0;font-size:.76rem}
.reveal{opacity:0;transform:translateY(24px);transition:.6s ease}.reveal.visible{opacity:1;transform:none}
@media(max-width:980px){.nav-links{display:none;position:absolute;left:0;right:0;top:82px;background:#fff;padding:24px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.nav-links.open{display:flex}.menu-toggle{display:block}.nav-parent{width:100%}.mega{display:grid;position:static;transform:none;width:100%;box-shadow:none;padding:10px 0}.hero{min-height:830px}.hero-media{inset:0;width:100%;opacity:.36}.hero:before{background:linear-gradient(90deg,rgba(2,1,77,.98),rgba(2,1,77,.65))}.hero-grid{grid-template-columns:1fr;padding:95px 0 160px}.hero-card{margin-top:0;max-width:390px}.hero-strip .wrap,.facts{grid-template-columns:repeat(2,1fr)}.intro-grid,.image-band,.content-grid,.apply-grid{grid-template-columns:1fr}.image-band img{height:440px}.image-band-content{padding:70px 40px}.sidebar{position:static}.cards,.guide-grid,.related{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}.cta-panel{grid-template-columns:1fr}.form-frame iframe{height:850px}}
@media(max-width:650px){body{font-size:16px}.wrap{width:min(100% - 28px,var(--max))}.nav{height:72px}.brand img{width:158px;height:auto}.nav-links{top:72px}.phone{display:none}.hero{min-height:850px}.hero-grid{padding-top:76px}.hero h1{font-size:3.3rem}.hero-strip .wrap,.facts,.cards,.process,.guide-grid,.related,.contact-grid,.calculator,.footer-grid{grid-template-columns:1fr}.hero-strip{position:relative}.hero{display:block}.hero-strip .wrap{width:100%}.metric{border-bottom:1px solid rgba(255,255,255,.15)}.section{padding:76px 0}.intro-grid{gap:35px}.image-band img{height:320px}.image-band-content{padding:60px 22px}.cta-panel{padding:34px 24px;border-radius:24px}.page-hero{padding:75px 0 65px}.page-hero h1{font-size:3.35rem}.facts{gap:0}.content-grid{gap:35px}.apply-shell{padding-top:45px}.form-frame iframe{height:970px}.footer-bottom{flex-direction:column}.calculator{padding:20px}.guide img{height:230px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.reveal{opacity:1;transform:none;transition:none}.card,.btn{transition:none}}
@media(max-width:650px){.form-open{flex-wrap:wrap;align-items:flex-start}.form-open a{white-space:normal}}
.dark .step p{color:#cbd8ea}
/* Keep the homepage stats in normal flow so they never cover the hero actions. */
.hero{display:flex;flex-direction:column;align-items:stretch}
.hero-grid{flex:1 0 auto;margin:0 auto}
.hero-strip{position:relative;bottom:auto;flex:0 0 auto;background:var(--navy);border-top:1px solid rgba(126,229,255,.38);backdrop-filter:none}
@media(max-width:980px){.hero-grid{padding-bottom:70px}}
@media(max-width:650px){.hero{display:flex;min-height:0}.hero-grid{padding-bottom:56px}}
/* Fit the broker login into the desktop navigation without crowding the CTA. */
.nav{gap:18px}
.nav-links{gap:20px}
.nav-cta{padding:10px 16px;font-size:.84rem;white-space:nowrap}