*{box-sizing:border-box}
:root{--blue:#004c89;--accent:#0077b8;--light:#e8f2f8;--dark:#2b2c2e}
body{margin:0;font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;color:#000;line-height:1.6;font-size:17px}
a{color:var(--accent)}
img{max-width:100%}
h1,h2,h3{line-height:1.2}

.site-header{background:#000;color:#fff;display:flex;align-items:center;flex-wrap:wrap;gap:16px 40px;padding:18px 40px;justify-content:space-between}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none;font-weight:bold;letter-spacing:2px;font-size:14px;line-height:1.3}
.brand img{height:50px;width:auto}
.brand span{border-left:2px solid #fff;padding-left:8px}
.site-header nav{display:flex;gap:28px;flex:1;justify-content:center}
.site-header nav a{color:#fff;text-decoration:none;font-size:14px;font-weight:bold;letter-spacing:2px}
.site-header nav a:hover{text-decoration:underline}
.call{color:#fff;text-decoration:none;font-weight:bold;font-size:14px;letter-spacing:1px}

main{overflow:hidden}
.hero{max-width:1100px;margin:0 auto;padding:50px 24px;display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}
.hero img{width:100%;height:auto;border-radius:24px;display:block;max-height:480px;object-fit:cover}
.hero h1{font-size:2.2rem;margin:0 0 20px}
.hero .txt p{margin:0 0 16px}
.hero .note{font-style:italic;color:#3d6aa5;font-size:.95rem}
.hero.flip .txt{order:2;text-align:right}
.hero.flip img{order:1}
.eyebrow{color:var(--accent);font-weight:bold;margin-bottom:4px}
.pill{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;font-weight:bold;padding:11px 24px;border-radius:30px;border:0;cursor:pointer;font-size:1rem;margin-top:10px}
.pill:hover{background:#00355f}
.pill.dark{background:#000}
.center{text-align:center}

.band{text-align:center;padding:40px 24px 10px}
.band h2{font-size:1.9rem;margin:0 0 10px}
.band p{margin:0}
.grad{background:linear-gradient(180deg,#fff,var(--light) 25%,var(--light) 75%,#fff)}

.benefits{position:relative;background:#4f6073 url(../images/e88baa2b104443a885d6ad98bfa0a2d3.jpeg) center/cover;padding:30px 0}
.benefits::before{content:"";position:absolute;inset:0;background:rgba(60,80,100,.55)}
.benefits .grid{position:relative;max-width:1150px;margin:0 auto;padding:0 20px;display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.bcard{background:var(--light);border-radius:20px;padding:24px;text-align:center;min-height:150px}
.bcard .num{display:inline-block;font-size:1.7rem;font-weight:bold;border-bottom:3px solid #000;padding:0 16px 2px;margin-bottom:12px}
.bcard h3{margin:0;font-size:1.25rem;letter-spacing:.5px}

.owners-band{background:#c0e0f3;display:grid;grid-template-columns:1fr 1.5fr;gap:40px;align-items:center;padding:40px max(24px,calc(50% - 500px))}
.owners-band h2{font-size:2.2rem;margin:0;color:#000}
.owners-band p{margin-top:0}

.plans{max-width:1000px;margin:20px auto;padding:0 24px;display:grid;gap:24px}
.plan{background:var(--light);border-radius:20px;padding:28px}
.plan h3{margin-top:0;color:var(--blue)}
.plan ul{padding-left:22px}

.steps{max-width:1100px;margin:0 auto;padding:20px 24px 30px}
.grid4{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px}
.step{background:var(--light);border-radius:20px;padding:24px}
.step .num{display:inline-block;background:var(--blue);color:#fff;width:34px;height:34px;line-height:34px;text-align:center;border-radius:50%;font-weight:bold}
.step h3{margin:12px 0 6px}
.step p{margin:0}

.partners{background:var(--light);text-align:center;padding:50px 24px}
.partners h2{color:var(--blue);font-size:2.2rem;margin:0 0 20px}
.partners p{color:var(--blue);font-size:1.1rem}
.logos{display:flex;gap:20px;justify-content:center;flex-wrap:wrap;margin-top:30px}
.logos a{background:#294f87;border-radius:24px;padding:20px;display:block;width:286px;height:140px}
.logos img{width:100%;height:100%;object-fit:contain}
.caps{display:flex;gap:20px;justify-content:center;flex-wrap:wrap}
.caps p{width:286px;font-size:.95rem;margin:10px 0 0}

.form-wrap{padding:30px 20px}
.contact-form{max-width:775px;margin:0 auto;background:var(--light);border-radius:20px;padding:24px 24px 30px;display:grid;gap:14px}
.contact-form h1{font-size:1.8rem;margin:0}
.contact-form label{font-size:.9rem;display:grid;gap:4px}
.contact-form input:not([type=checkbox]),.contact-form select,.contact-form textarea{width:100%;padding:10px 12px;border:0;border-radius:8px;font:inherit;background:#fff}
.contact-form .check{display:flex;gap:10px;align-items:flex-start;font-size:1rem}
.contact-form p{margin:0}
.contact-form button{justify-self:end;width:55%;margin:0}

.faq{max-width:900px;margin:0 auto;padding:40px 24px}
.faq h2{font-size:1.8rem}
.faq details{border-bottom:1px solid #c9d6e0;padding:14px 0}
.faq summary{cursor:pointer;font-weight:bold;font-size:1.1rem}
.faq details div{padding-top:10px}

.legal{max-width:900px;margin:0 auto;padding:50px 24px}
.legal h1{font-size:2.2rem;margin-bottom:4px}
.legal .upd{color:#555;margin-top:0}
.legal h3{margin-top:28px;font-size:1.2rem}

.site-footer{background:var(--light);padding:50px 24px 24px}
.foot-card{max-width:1100px;margin:0 auto;background:var(--dark);color:#fff;border-radius:24px;padding:40px 50px;display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
.foot-left{display:grid;gap:30px}
.foot-left nav{display:flex;gap:24px;flex-wrap:wrap}
.foot-card a{color:#fff}
.foot-left nav a{text-decoration:none}
.foot-card address{font-style:normal;text-align:right;line-height:1.8}
.disclaimer{max-width:1100px;margin:20px auto 0;background:#fafcfe;padding:20px 30px 0;border-radius:24px 24px 0 0}
.disclaimer summary{font-weight:bold;cursor:pointer;padding-bottom:10px}
.disclaimer p{font-size:.8rem;margin:0;padding-bottom:20px;border-bottom:1px solid #d4e1ea}
.legal-links{max-width:1100px;margin:0 auto;background:#fafcfe;padding:24px 30px;border-radius:0 0 24px 24px;display:flex;justify-content:space-between;font-size:.8rem;gap:20px;flex-wrap:wrap}
.legal-links a{color:#333;margin-left:16px;text-decoration:none}

@media(max-width:800px){
.hero,.owners-band{grid-template-columns:1fr}
.hero.flip .txt{order:0;text-align:left}
.hero.flip img{order:0}
.site-header{padding:16px 20px}
.site-header nav{flex-wrap:wrap;gap:14px;justify-content:flex-start}
.contact-form button{width:100%}
}

.dd{position:relative}
.dd .sub{display:none;position:absolute;top:100%;left:-12px;min-width:200px;background:#000;padding:10px 12px;border-radius:0 0 10px 10px;z-index:10}
.dd:hover .sub,.dd:focus-within .sub{display:block}
.dd .sub a{display:block;padding:6px 0;white-space:nowrap}
.foot-left .dd .sub{display:none!important}