:root{--navy:#0B2F4E;--gold:#FFB400;--orange:#F7931E;--ink:#14212e;--bg:#f5f7fa;--r:20px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6}
h1,h2,h3,.wordmark,.btn{font-family:Montserrat,system-ui,sans-serif}
h2{font-size:clamp(1.6rem,3vw,2.2rem);color:var(--navy);margin:0 0 .6rem}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.topbar{background:var(--navy);position:sticky;top:0;z-index:5}
.bar{display:flex;justify-content:space-between;align-items:center;padding-top:12px;padding-bottom:12px}
.wordmark{font-weight:900;font-size:1.5rem;color:var(--gold);text-decoration:none;letter-spacing:.5px}
.wordmark span{color:#fff;font-weight:700;margin-left:6px}
.btn{display:inline-block;background:var(--gold);color:var(--navy);font-weight:800;padding:14px 26px;border-radius:999px;text-decoration:none;border:0;cursor:pointer;font-size:1rem}
.btn:hover{background:var(--orange)}.btn:focus-visible,a:focus-visible,input:focus,select:focus,textarea:focus{outline:3px solid var(--orange);outline-offset:2px}
.btn-sm{padding:9px 18px;font-size:.9rem}.btn-ghost{background:transparent;color:#fff;border:2px solid #fff}.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn:disabled{opacity:.6}
.hero{background:linear-gradient(135deg,var(--navy) 55%,#123f66);color:#fff;padding:90px 0 110px;border-radius:0 0 40px 40px}
.eyebrow{color:var(--gold);font-weight:600;text-transform:uppercase;letter-spacing:2px;margin:0}
.hero h1{font-size:clamp(2.2rem,6vw,4rem);line-height:1.1;margin:.3rem 0 1rem;max-width:800px}
.lead{font-size:1.2rem;max-width:640px;opacity:.95}.cta{display:flex;gap:14px;flex-wrap:wrap;margin-top:1.6rem}
.section{padding:60px 20px 0}.center{text-align:center;margin-bottom:1.5rem}
.card{background:#fff;border-radius:var(--r);padding:32px;box-shadow:0 8px 28px rgba(11,47,78,.10)}
.who{border-top:8px solid var(--gold);margin-top:-110px;position:relative}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.feat{border-bottom:6px solid var(--orange)}.feat h3{color:var(--navy);margin:.6rem 0 .4rem;font-size:1.15rem}.feat p{margin:0}
.ico{width:58px;height:58px;border-radius:16px;background:var(--gold);display:grid;place-items:center;font-size:1.7rem}
.form-card{background:var(--navy);color:#fff;margin-bottom:60px}.form-card h2{color:var(--gold)}
form{display:grid;gap:14px;margin-top:1rem}.row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:grid;gap:6px;font-weight:600;font-size:.95rem}.opt{font-weight:400;opacity:.8}
input,select,textarea{font:inherit;padding:12px 14px;border-radius:12px;border:2px solid transparent;background:#fff;color:var(--ink);width:100%}
[aria-invalid=true]{border-color:var(--orange);background:#fff4e6}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
form .btn{justify-self:start}#status{margin:0;min-height:1.4em;font-weight:600}#status.ok{color:var(--gold)}#status.err{color:#ffc58a}
.privacy{font-size:.85rem;opacity:.85;margin:0}
.foot{background:var(--navy);color:#dfe7ef;padding:36px 0;text-align:center}.foot p{margin:.3rem 0}.tbd{color:var(--gold)}
@media(max-width:640px){.row{grid-template-columns:1fr}.card{padding:22px}.hero{padding:60px 0 100px}.btn-sm{display:none}}