:root{
  --3f-navy:#0B1F3A;--3f-navy-2:#16305A;--3f-cream:#F6F1E4;--3f-white:#fff;--3f-sand:#EAE2CE;
  --3f-red:#EE1C25;--3f-red-deep:#C4121A;--3f-gold:#C9A227;--3f-gold-deep:#7A5C10;--3f-slate:#5A6472;
  --wa:#25D366;--wa-hover:#1DA851;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--3f-cream);color:var(--3f-navy);font:400 17px/1.55 "Source Sans 3",Calibri,Arial,sans-serif}
h1,h2,h3{font-family:Manrope,Arial,sans-serif;margin:0 0 .5em;color:var(--3f-navy)}
h1{font-weight:800;font-size:clamp(30px,5vw,48px);line-height:1.1}
h2{font-weight:700;font-size:clamp(24px,3.4vw,32px);line-height:1.2}
h3{font-weight:700;font-size:20px;line-height:1.3}
p{margin:0 0 1em;max-width:68ch}
a{color:var(--3f-navy)}a:hover{color:var(--3f-red-deep)}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
section{padding:72px 0}
.eyebrow{font:700 12px Manrope,Arial,sans-serif;letter-spacing:.1em;text-transform:uppercase;color:var(--3f-gold-deep);margin-bottom:12px;display:block}
.dark .eyebrow{color:var(--3f-gold)}
.small{font-size:14px;color:var(--3f-slate)}
/* header */
header{background:#fff;border-bottom:1px solid var(--3f-sand);position:sticky;top:0;z-index:10}
header .wrap{display:flex;align-items:center;justify-content:space-between;height:72px;gap:16px}
header img{width:132px;height:auto;display:block}
nav{display:flex;gap:22px;align-items:center}
nav a{font:600 16px Manrope,Arial,sans-serif;text-decoration:none}
nav a:hover{color:var(--3f-red-deep)}
@media(max-width:900px){nav a:not(.btn){display:none}}
/* buttons */
.btn{display:inline-block;font:700 16px Manrope,Arial,sans-serif;padding:13px 22px;border-radius:4px;text-decoration:none;border:1px solid transparent;cursor:pointer}
.btn-primary{background:var(--3f-red);color:#fff}.btn-primary:hover{background:var(--3f-red-deep);color:#fff}
.btn-ghost{border-color:var(--3f-navy);color:var(--3f-navy);background:transparent}
.dark .btn-ghost{border-color:#fff;color:#fff}
.btn-wa{background:var(--wa);color:#fff}.btn-wa:hover{background:var(--wa-hover);color:#fff}
.btn-row{display:flex;gap:12px;flex-wrap:wrap;margin:24px 0 12px}
/* hero + dark */
.dark{background:var(--3f-navy);color:#fff}
.dark h1,.dark h2,.dark h3{color:#fff}
.dark a{color:var(--3f-gold)}
.dark a.btn{color:#fff}
.hero{padding:88px 0}
.hero p.lead{font-size:20px;color:var(--3f-cream)}
/* approvals */
.approvals{background:var(--3f-sand);padding:20px 0;text-align:center;font:700 14px Manrope,Arial,sans-serif;letter-spacing:.04em;color:var(--3f-gold-deep)}
/* stats */
.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;text-align:center}
.stat b{display:block;font:800 48px/1 Manrope,Arial,sans-serif;font-variant-numeric:tabular-nums;color:var(--3f-navy)}
.stat span{color:var(--3f-slate);font-size:15px}
@media(max-width:700px){.stats{grid-template-columns:1fr}}
/* cards */
.grid{display:grid;gap:24px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}
@media(max-width:900px){.g2,.g3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--3f-sand);border-radius:6px;padding:28px}
.card p:last-child{margin-bottom:0}
.card ul{margin:0;padding-left:20px}
.card .next{color:var(--3f-red-deep);font-weight:600}
/* table */
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--3f-sand)}
th,td{text-align:left;padding:14px 16px;border-bottom:1px solid var(--3f-sand);vertical-align:top;font-variant-numeric:tabular-nums}
th{font:700 13px Manrope,Arial,sans-serif;letter-spacing:.06em;text-transform:uppercase;color:var(--3f-gold-deep);background:var(--3f-sand)}
.tbl{overflow-x:auto}
/* faq */
details{background:#fff;border:1px solid var(--3f-sand);border-radius:6px;padding:16px 20px;margin-bottom:12px}
summary{font:700 17px Manrope,Arial,sans-serif;cursor:pointer}
details p{margin:12px 0 0}
/* form */
form{display:grid;gap:14px;max-width:520px}
label{font:600 14px Manrope,Arial,sans-serif}
input,select{width:100%;padding:12px;border:1px solid var(--3f-slate);border-radius:4px;font:inherit;background:#fff;color:var(--3f-navy)}
/* footer */
footer{background:var(--3f-navy);color:#fff;padding:56px 0 32px;font-size:15px}
footer a{color:var(--3f-gold)}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}
@media(max-width:800px){footer .cols{grid-template-columns:1fr}}
footer h3{font-size:14px;letter-spacing:.1em;text-transform:uppercase;color:var(--3f-gold)}
footer ul{list-style:none;margin:0;padding:0}footer li{margin-bottom:8px}
footer .legal{border-top:1px solid var(--3f-navy-2);margin-top:32px;padding-top:20px;color:var(--3f-sand);font-size:13px}
.alt{background:#fff}