:root{--navy:#0b2a3b;--blue:#1f6f8b;--sky:#eaf5f8;--cream:#f8f7f2;--ink:#17242b;--muted:#5f6e76;--line:#d8e0e4;--gold:#c99a4a;--green:#1e7a53}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff}a{text-decoration:none;color:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}
.topbar{background:var(--navy);color:#dce9ee;text-align:center;padding:8px;font-size:11px}header{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line)}.head{height:80px;display:flex;align-items:center;justify-content:space-between;gap:25px}
.logo{display:flex;align-items:center;gap:10px;color:var(--navy)}.logo-mark{width:38px;height:38px;border-radius:9px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}.logo b{display:block;font-size:18px}.logo small{font-size:9px;letter-spacing:.14em;text-transform:uppercase;color:#6c7b83}
.nav{display:flex;gap:22px;font-size:13px;font-weight:700;color:#314752}.actions{display:flex;gap:9px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:45px;padding:0 19px;border-radius:9px;font-size:13px;font-weight:800;border:1px solid var(--navy)}.btn.primary{background:var(--navy);color:#fff}.btn.secondary{background:#fff;color:var(--navy)}
.hero{padding:75px 0 62px;background:linear-gradient(135deg,#eef7f9,#fff 50%,#f8f7f2)}.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:65px;align-items:center}.eyebrow{font-size:11px;text-transform:uppercase;letter-spacing:.16em;font-weight:800;color:var(--blue);margin-bottom:15px}
h1,h2,h3{font-family:Georgia,serif;color:var(--navy);font-weight:500}.hero h1{font-size:clamp(46px,5.4vw,72px);line-height:1.03;letter-spacing:-.035em;margin:0}.hero .lead{font-size:18px;line-height:1.7;color:#4f6069}.hero-card{background:#fff;border:1px solid var(--line);border-radius:20px;padding:28px;box-shadow:0 18px 50px rgba(11,42,59,.1)}
.choice-grid{display:grid;grid-template-columns:1fr 1fr;gap:11px;margin-top:20px}.choice{padding:16px;border:1px solid var(--line);border-radius:11px}.choice b{display:block;color:var(--navy);font-size:14px}.choice span{font-size:11px;color:#68777f}
.section{padding:82px 0}.soft{background:var(--cream)}.sky{background:var(--sky)}.section-head{max-width:760px;margin-bottom:35px}.section h2{font-size:clamp(34px,4vw,50px);line-height:1.1;margin:0 0 12px}.section-head p{font-size:16px;line-height:1.7;color:var(--muted)}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.info-card{border:1px solid var(--line);border-radius:15px;padding:24px;background:#fff}.info-card h3{font-size:23px;margin:0 0 9px}.info-card p{font-size:14px;line-height:1.6;color:var(--muted)}.arrow{font-size:12px;font-weight:800;color:var(--blue)}
.calc{display:grid;grid-template-columns:1fr .9fr;gap:30px;background:#fff;border:1px solid var(--line);border-radius:18px;padding:28px}.field{margin-bottom:15px}.field label{display:block;font-size:12px;font-weight:700;margin-bottom:6px}.field input,.field select,.portal input{width:100%;padding:13px;border:1px solid #cdd8dd;border-radius:9px}.result{background:var(--navy);color:#fff;border-radius:15px;padding:27px;display:flex;flex-direction:column;justify-content:center}.result h3{color:#fff}.big{font-size:40px;font-weight:800;margin:10px 0}.result p{font-size:12px;line-height:1.6;color:#c8dae2}
.page-hero{padding:65px 0;background:var(--sky)}.page-hero h1{font-size:54px;margin:0}.page-hero p{max-width:780px;font-size:18px;line-height:1.7;color:#53666f}.article,.legal{max-width:860px;margin:auto}.article h2,.legal h2{font-size:32px;margin-top:38px}.article p,.article li,.legal p,.legal li{font-size:16px;line-height:1.8;color:#4f5f67}.note{background:#f3f8fa;border-left:4px solid var(--blue);padding:16px 18px;margin-top:25px}
.subscribe-band{background:var(--navy);color:#fff;padding:45px 0}.subscribe-grid{display:grid;grid-template-columns:1fr 1fr;gap:45px;align-items:center}.subscribe-band h2{color:#fff;font-size:36px}.subscribe-band p{color:#c7d9e1}.sub-form{display:flex;gap:8px}.sub-form input{flex:1;padding:14px;border:0;border-radius:9px}.sub-form button{border:0;border-radius:9px;background:var(--gold);font-weight:800;padding:0 20px}
.portal{max-width:650px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:18px;padding:30px}.portal label{display:block;font-size:12px;font-weight:700;margin:10px 0 6px}.disclaimer{font-size:11px;line-height:1.6;color:#728089;background:#f7f9fa;border:1px solid #e1e8eb;border-radius:9px;padding:12px;margin-top:16px}
footer{background:#071e2a;color:#d4e0e5;padding:48px 0 24px}.foot{display:grid;grid-template-columns:1.7fr repeat(4,1fr);gap:30px}.foot h4{font-size:11px;text-transform:uppercase;color:#fff}.foot a,.foot p{display:block;font-size:12px;line-height:1.9;color:#b4c7d0}.footer-note{border-top:1px solid rgba(255,255,255,.12);margin-top:30px;padding-top:18px;font-size:10px;line-height:1.7;color:#8eabb7}
@media(max-width:900px){.nav,.actions{display:none}.hero-grid,.calc,.subscribe-grid{grid-template-columns:1fr}.card-grid{grid-template-columns:1fr 1fr}.foot{grid-template-columns:1fr 1fr 1fr}}
@media(max-width:580px){.wrap{width:min(100% - 28px,1180px)}.hero h1,.page-hero h1{font-size:43px}.choice-grid,.card-grid{grid-template-columns:1fr}.sub-form{flex-direction:column}.sub-form button{min-height:45px}.foot{grid-template-columns:1fr 1fr}}

/* v1.1 brand logo integration */
.brand-logo img{display:block;width:270px;max-width:100%;height:auto}
.footer-brand-logo img{display:block;width:255px;max-width:100%;height:auto}
.footer-brand-logo{display:inline-block;margin-bottom:10px}
@media(max-width:580px){
  .brand-logo img{width:220px}
  .footer-brand-logo img{width:225px}
}