:root{--navy:#071426;--navy2:#0c1d33;--gold:#c8a75d;--silver:#cbd5e1;--ink:#0f172a;--muted:#64748b;--light:#f1f5f9;--border:#e2e8f0;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:white;line-height:1.65}
a{color:inherit;text-decoration:none}
img{max-width:100%;display:block}
.container{width:min(1120px,calc(100% - 40px));margin:auto}
.serif{font-family:Georgia,'Times New Roman',serif}
.gold{color:var(--gold)}
.muted{color:var(--muted)}

.site-header{background:var(--navy);color:white;border-bottom:1px solid #1e293b;position:sticky;top:0;z-index:20}
.navwrap{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:20px}
.brand{display:flex;align-items:center;gap:12px;min-width:240px}
.brand img{height:62px;width:auto;object-fit:contain;flex-shrink:0}
.brand-title{font-family:Georgia,serif;letter-spacing:.14em;font-size:15px}
.brand-sub{font-size:10px;letter-spacing:.22em;color:#94a3b8}
.nav{display:flex;gap:18px;align-items:center;font-size:13px;color:#cbd5e1}
.nav a:hover,.nav a.active{color:var(--gold)}
.login-btn{border:1px solid var(--gold);color:var(--gold);padding:9px 12px;border-radius:6px;font-size:12px;white-space:nowrap}
.menu-toggle{display:none;background:none;border:1px solid #475569;color:white;border-radius:6px;padding:8px 10px}

.hero{background:var(--navy);color:white;text-align:center;padding:90px 0}
.eyebrow{text-transform:uppercase;letter-spacing:.27em;font-size:12px;font-weight:700;color:var(--gold)}
.hero h1{font-family:Georgia,serif;font-size:56px;line-height:1.08;margin:22px 0;color:white;font-weight:500}
.hero p{max-width:740px;margin:0 auto;color:#cbd5e1;font-size:17px}
.rule{height:1px;background:linear-gradient(90deg,transparent,var(--gold),transparent);max-width:420px;margin:28px auto}
.actions{display:flex;flex-wrap:wrap;gap:12px;justify-content:center;margin-top:28px}
.btn{display:inline-block;padding:12px 18px;border-radius:6px;font-size:14px;font-weight:700;border:1px solid transparent}
.btn-gold{background:var(--gold);color:#071426}
.btn-dark{background:#0f172a;color:white}
.btn-outline{border-color:#64748b;color:inherit;background:transparent}

.section{padding:72px 0}
.section.light{background:var(--light)}
.section.navy{background:var(--navy);color:white}
.section.navy2{background:var(--navy2);color:white}
.section h2{font-family:Georgia,serif;font-size:38px;line-height:1.2;margin:10px 0 18px;font-weight:500}
.section.navy h2,.section.navy2 h2{color:white}
.lead{font-size:17px;color:#475569}
.navy .lead,.navy2 .lead{color:#cbd5e1}

.two-col{display:grid;grid-template-columns:.9fr 1.1fr;gap:54px;align-items:start}
.three-col{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.four-col{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.five-col{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:#334155;border-radius:12px;overflow:hidden}

.card{background:white;border:1px solid var(--border);border-radius:12px;padding:24px}
.navy .card,.navy2 .card{background:transparent;border-color:#334155}
.card h3{font-family:Georgia,serif;font-size:21px;margin:8px 0 10px}
.navy .card h3,.navy2 .card h3{color:white}
.card p{margin:0;color:#64748b;font-size:14px}
.navy .card p,.navy2 .card p{color:#94a3b8}
.topline{border-top:2px solid var(--gold);border-radius:0;padding-top:22px}
.split-rule{border-left:4px solid var(--gold);padding-left:24px}

.feature-box{background:var(--navy);color:white;border-radius:12px;padding:28px}
.feature-box h3{font-family:Georgia,serif;font-size:26px;margin:8px 0}
.feature-box p{color:#cbd5e1}

.center{text-align:center}
.max700{max-width:700px;margin-left:auto;margin-right:auto}
.small{font-size:13px}
.notice{border:1px solid #fde68a;background:#fffbeb;padding:16px;border-radius:10px;font-size:13px}

.carrier-grid{display:grid;grid-template-columns:repeat(3,1fr);border:1px solid var(--border);border-radius:12px;overflow:hidden}
.carrier-item{padding:13px 16px;border-bottom:1px solid var(--border);border-right:1px solid var(--border);background:white}
.carrier-item:hover{background:#f8fafc}
.carrier-item.hidden{display:none}
.searchbox{width:100%;padding:13px 14px;border:1px solid #cbd5e1;border-radius:10px;font-size:16px}

.form-wrap{background:#f8fafc;border:1px solid var(--border);border-radius:16px;padding:28px}
.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field label{display:block;font-weight:700;font-size:14px;margin-bottom:6px}
.field input,.field select,.field textarea{width:100%;padding:12px 13px;border:1px solid #cbd5e1;border-radius:10px;background:white;font:inherit}
.field textarea{min-height:140px;resize:vertical}
.full{grid-column:1/-1}
.form-message{padding:12px 14px;border-radius:8px;margin:0 0 16px;display:none}
.form-message.show{display:block}
.form-message.error{background:#fef2f2;border:1px solid #fecaca;color:#991b1b}
.form-message.success{background:#f0fdf4;border:1px solid #bbf7d0;color:#166534}
.hidden-field{position:absolute!important;left:-9999px!important;width:1px!important;height:1px!important;opacity:0!important}
.reject-box{display:none;background:#fff7ed;border:1px solid #fed7aa;padding:16px;border-radius:10px;margin-top:14px}
.reject-box.show{display:block}

.footer{background:var(--navy);color:white;padding:44px 0 26px;border-top:1px solid #1e293b}
.footergrid{display:grid;grid-template-columns:1.4fr 2fr;gap:40px}
.footerlinks{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;font-size:13px;color:#94a3b8}
.footerlinks strong{display:block;color:white;margin-bottom:8px}
.footerlinks a{display:block;margin:5px 0}
.copyright{border-top:1px solid #1e293b;margin-top:30px;padding-top:18px;color:#64748b;font-size:12px}

.faq details{border:1px solid var(--border);border-radius:10px;padding:16px 18px;margin-bottom:10px;background:white}
.faq summary{font-family:Georgia,serif;font-size:18px;cursor:pointer}
.faq p{color:#64748b}

.pdf-frame{width:100%;height:700px;border:1px solid var(--border);border-radius:12px}

@media(max-width:900px){
  .nav{display:none;position:absolute;left:20px;right:20px;top:80px;background:var(--navy2);padding:18px;border:1px solid #334155;border-radius:10px;flex-direction:column;align-items:flex-start}
  .nav.open{display:flex}
  .menu-toggle{display:block}
  .login-btn{display:none}
  .hero h1{font-size:42px}
  .two-col,.three-col,.four-col,.five-col,.footergrid{grid-template-columns:1fr}
  .carrier-grid{grid-template-columns:1fr 1fr}
  .form-grid{grid-template-columns:1fr}
  .full{grid-column:auto}
  .section{padding:56px 0}
}

@media(max-width:560px){
  .container{width:min(100% - 28px,1120px)}
  .hero{padding:66px 0}
  .hero h1{font-size:34px}
  .section h2{font-size:31px}
  .carrier-grid{grid-template-columns:1fr}
  .brand-title{font-size:13px}
  .brand{min-width:auto}
  .brand img{height:52px;width:auto;object-fit:contain}
  .footerlinks{grid-template-columns:1fr 1fr}
}