:root{--navy:#071b2e;--blue:#0d6e9f;--aqua:#23b7c7;--sand:#f6efe3;--ink:#17212b;--muted:#5b6b78;--white:#fff;--gold:#ffbd59}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;background:#f7fafc;color:var(--ink);line-height:1.65}a{color:inherit}.topbar{background:var(--navy);color:white;padding:9px 18px;text-align:center;font-weight:700}.topbar a{color:#fff;text-decoration:none}.nav{position:sticky;top:0;z-index:10;background:white;box-shadow:0 4px 20px rgba(7,27,46,.09);display:flex;justify-content:center;gap:8px;flex-wrap:wrap;padding:12px}.nav a{text-decoration:none;padding:9px 12px;border-radius:999px;color:#14304a;font-weight:800}.nav a:hover{background:#eaf8fb}.hero{background:linear-gradient(120deg,rgba(7,27,46,.96),rgba(13,110,159,.91)),radial-gradient(circle at 90% 10%,rgba(35,183,199,.45),transparent 35%);color:white;padding:34px 20px 42px}.hero-inner{max-width:1180px;margin:0 auto;display:grid;grid-template-columns:1.2fr .8fr;gap:28px;align-items:center}.eyebrow{text-transform:uppercase;letter-spacing:2px;color:#b9f4ff;font-weight:900;font-size:.85rem}.hero h1{font-size:clamp(2.1rem,4.5vw,4.7rem);line-height:1.02;margin:8px 0 14px}.hero p{font-size:1.18rem;max-width:780px}.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}.btn{display:inline-block;text-decoration:none;font-weight:900;border-radius:14px;padding:14px 20px}.btn.primary{background:var(--gold);color:#121212}.btn.secondary{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.35);color:white}.trust-card{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.22);border-radius:24px;padding:24px;backdrop-filter:blur(8px)}.trust-grid{display:grid;grid-template-columns:1fr 1fr;gap:12px}.trust-grid div{background:rgba(255,255,255,.13);border-radius:16px;padding:14px;font-weight:900}.wrap{max-width:1180px;margin:0 auto;padding:42px 20px}.section-title{font-size:2.15rem;line-height:1.15;margin:0 0 12px;color:#0b2840}.lead{font-size:1.1rem;color:#374b5d}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:white;border-radius:22px;padding:24px;box-shadow:0 10px 28px rgba(7,27,46,.08);border:1px solid #edf2f7}.card h3{margin-top:0;color:#0d5374}.band{background:var(--sand);padding:35px 20px}.state-links{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.state-links a{background:white;border:1px solid #e4edf4;border-radius:12px;padding:10px;text-decoration:none;font-weight:700;color:#123}.quote-box{background:white;border-radius:24px;box-shadow:0 10px 30px rgba(7,27,46,.1);padding:18px}.styled iframe{min-height:650px;border-radius:12px}.split{display:grid;grid-template-columns:1fr 1fr;gap:24px;align-items:start}.footer{background:#061522;color:#d9e7f2;padding:34px 20px;text-align:center}.footer a{color:white}.mini{font-size:.9rem;color:#667}.notice{background:#eefbff;border-left:6px solid var(--aqua);padding:18px;border-radius:14px}@media(max-width:850px){.hero-inner,.split{grid-template-columns:1fr}.grid{grid-template-columns:1fr}.state-links{grid-template-columns:repeat(2,1fr)}.nav{position:static}.hero{padding-top:24px}}