:root{--ink:#12212e;--navy:#0e2a3f;--gold:#c9a227;--paper:#faf7f0;--card:#fff;--mut:#5a6b76;--line:#e3ddd0}
*{box-sizing:border-box}body{margin:0;font-family:Georgia,'Times New Roman',serif;color:var(--ink);background:var(--paper);line-height:1.55}
a{color:#0b5cad}header.top{background:var(--navy);color:#fff;padding:14px 20px;display:flex;flex-wrap:wrap;gap:10px;align-items:center;justify-content:space-between}
header.top .brand{font-size:22px;font-weight:bold;color:#fff;text-decoration:none;letter-spacing:.3px}
header.top .brand span{color:var(--gold)}
header.top nav a{color:#dbe7f0;text-decoration:none;margin-left:16px;font-size:15px}
header.top nav a:hover{color:#fff;text-decoration:underline}
main{max-width:1020px;margin:0 auto;padding:24px 20px 48px}
h1{font-size:32px;line-height:1.2;margin:.2em 0 .4em}h2{font-size:23px;margin:1.2em 0 .5em}h3{font-size:18px;margin:1em 0 .3em}
.lede{font-size:18px;color:#31424e;max-width:46em}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:18px 20px;margin:16px 0}
.grid{display:grid;grid-template-columns:repeat(auto-fill,minmax(230px,1fr));gap:12px}
.grid a.tile{display:block;background:var(--card);border:1px solid var(--line);border-radius:10px;padding:14px 16px;text-decoration:none;color:var(--ink)}
.grid a.tile:hover{border-color:var(--gold)}
.tile b{font-size:17px}.tile .sub{color:var(--mut);font-size:14px;margin-top:2px}
.nums{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:12px;margin:18px 0}
.num{background:var(--navy);color:#fff;border-radius:10px;padding:16px;text-align:center}
.num b{display:block;font-size:28px;color:var(--gold)}.num span{font-size:14px;color:#dbe7f0}
.avatar{width:64px;height:64px;border-radius:50%;background:var(--navy);color:var(--gold);display:flex;align-items:center;justify-content:center;font-size:24px;font-weight:bold;flex:none}
.agentrow{display:flex;gap:14px;align-items:center}
.badge{display:inline-block;background:#f3e9c8;border:1px solid var(--gold);color:#6b5410;border-radius:20px;padding:2px 10px;font-size:13px;margin:2px 4px 2px 0}
.chip{display:inline-block;background:#eef3f6;border:1px solid var(--line);border-radius:20px;padding:2px 10px;font-size:13px;margin:2px 4px 2px 0;color:#31424e}
form.need{background:var(--card);border:2px solid var(--gold);border-radius:12px;padding:20px;margin:20px 0}
form.need label{display:block;font-size:14px;font-weight:bold;margin:12px 0 4px}
form.need input,form.need select,form.need textarea{width:100%;padding:10px;border:1px solid #b9c2c9;border-radius:6px;font-size:16px;font-family:inherit;background:#fff}
form.need .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media(max-width:640px){form.need .row{grid-template-columns:1fr}}
form.need button{background:var(--navy);color:#fff;border:0;border-radius:8px;padding:13px 22px;font-size:17px;margin-top:16px;cursor:pointer;width:100%}
form.need button:hover{background:#16405e}
.hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.msg{padding:12px 14px;border-radius:8px;margin-top:14px;display:none}
.msg.ok{display:block;background:#e7f4e4;border:1px solid #7ab06d}
.msg.err{display:block;background:#fbe9e7;border:1px solid #d08a80}
.crumbs{font-size:14px;color:var(--mut);margin-bottom:6px}.crumbs a{color:var(--mut)}
footer{background:var(--navy);color:#cfe0ec;padding:26px 20px;font-size:14px}
footer .in{max-width:1020px;margin:0 auto}footer a{color:#fff}
.small{font-size:13px;color:var(--mut)}
ul.tight li{margin:4px 0}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:12px}
.step{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:16px}
.step b.n{display:inline-block;background:var(--gold);color:#12212e;border-radius:50%;width:26px;height:26px;text-align:center;line-height:26px;margin-bottom:6px}
.why{background:var(--navy);border-top:4px solid var(--gold);border-radius:10px;padding:18px 20px;margin:20px 0;color:#fff}
.why h2{margin:.1em 0 .6em;color:#fff;font-size:21px}
.why .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:14px}
.why b{display:block;color:var(--gold);font-size:17px;margin-bottom:2px}
.why p{margin:0;font-size:15px;color:#dbe7f0}