:root{--primary-navy:#0b2545;--deep-navy:#012b40;--accent-red:#db2020;--text-gray:#4a5568;--bg-light-gray:#ebebeb;--bg-white:#fff;--bg-cream:#f4f0e6;--border-color:#d1d1d1}*{margin:0;padding:0;box-sizing:border-box}body{font-family:'Inter',sans-serif;color:var(--text-gray);line-height:1.6;-webkit-font-smoothing:antialiased}img{max-width:100%;height:auto;display:block}.kicker{font-size:12px;font-weight:700;text-transform:uppercase;letter-spacing:1.5px;color:var(--accent-red);margin-bottom:16px}h1,h2,h3,h4{color:var(--primary-navy);margin-bottom:20px}.hero-heading{font-size:2.5rem;font-weight:800;line-height:1.2;margin-bottom:10px}.hero-subheading{font-size:1.75rem;font-weight:400;line-height:1.3;margin-bottom:30px}.section-heading{font-size:2rem;font-weight:800;line-height:1.2}.card-title{font-size:1.25rem;font-weight:700;margin-bottom:15px;color:var(--primary-navy)}p{margin-bottom:20px;font-size:1rem}.section{padding:80px 20px}.bg-gray{background-color:var(--bg-light-gray)}.bg-white{background-color:var(--bg-white)}.bg-navy{background-color:var(--deep-navy);color:var(--bg-white)}.bg-navy h2,.bg-navy h3{color:var(--bg-white)}.bg-navy p{color:var(--bg-white);opacity:.9}.container{max-width:1200px;margin:0 auto}.container-sm{max-width:800px;margin:0 auto}.text-center{text-align:center}.red-divider{width:60px;height:3px;background-color:var(--accent-red);margin:30px auto}.cta-link{display:inline-block;color:var(--accent-red);font-weight:700;text-decoration:none;font-size:1rem;margin-top:10px;transition:opacity .3s}.cta-link:hover{opacity:.8}.btn-primary{color:var(--accent-red);font-size:1.1rem;font-weight:700;background:var(--bg-white);padding:12px 32px;border-radius:4px;display:inline-block;margin-top:20px;text-decoration:none;transition:background .3s}.btn-primary:hover{background:var(--bg-light-gray)}.split-layout{display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:flex-start}.split-image-container img{border-radius:12px;box-shadow:0 10px 30px rgba(0,0,0,0.05);width:100%}.line-list{margin-top:20px;margin-bottom:30px}.line-list li{padding:16px 0;border-bottom:1px solid var(--border-color);font-size:.95rem;color:var(--text-gray)}.line-list li:first-child{border-top:1px solid var(--border-color)}.process-list{list-style:none;padding-left:20px;border-left:3px solid var(--accent-red)}.process-list li{position:relative;padding-left:15px;margin-bottom:30px}.process-list h4{margin-bottom:8px;font-size:1.15rem;color:var(--primary-navy)}.process-list p{margin-bottom:0;font-size:.95rem}.cards-container{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:30px;margin-top:60px}.card{background:var(--bg-white);padding:50px 40px 40px;position:relative;border:1px solid var(--border-color);border-top:4px solid var(--primary-navy);box-shadow:0 10px 30px rgba(0,0,0,0.03);border-radius:6px}.card-icon{position:absolute;top:-25px;left:40px;width:50px;height:50px;background-color:var(--primary-navy);border-radius:50%;display:flex;align-items:center;justify-content:center;box-shadow:0 4px 10px rgba(0,0,0,0.1)}.card-icon svg{width:16px;height:16px;stroke:var(--accent-red);fill:none;stroke-width:2.5;stroke-linecap:round;stroke-linejoin:round}.card-list{list-style:none;text-align:left}.card-list li{font-size:.9rem;margin-bottom:12px;color:var(--text-gray);position:relative;padding-left:15px}.card-list li::before{content:"•";color:var(--accent-red);position:absolute;left:0;font-weight:bold}.stats-card-wrapper{background-color:var(--bg-cream);padding:30px;max-width:900px;margin:40px auto 0;box-shadow:0 20px 40px rgba(0,0,0,0.15)}.stats-card-inner{background-color:var(--accent-red);padding:60px 40px;text-align:center}.stats-list{list-style:none;display:flex;flex-direction:column;gap:15px;margin:40px 0;text-align:left}.stats-list li{font-size:1.25rem;font-weight:700;color:var(--deep-navy);line-height:1.4;letter-spacing:0}.stats-desc{color:var(--bg-white);font-size:1.25rem;font-weight:500;margin-bottom:0}.faq-accordion{margin-top:40px;border-top:1px solid var(--border-color)}.faq-item{border-bottom:1px solid var(--border-color)}.faq-question{display:flex;justify-content:space-between;align-items:center;padding:30px 0;cursor:pointer;color:var(--deep-navy);font-size:1.15rem;font-weight:700}.faq-icon{width:48px;height:48px;min-width:48px;background-color:var(--deep-navy);border-radius:50%;display:flex;align-items:center;justify-content:center;transition:transform .3s ease;transform:rotate(-45deg)}.faq-icon svg{width:16px;height:16px;stroke:var(--accent-red);stroke-width:2.5;fill:none}.faq-item.active .faq-icon{transform:rotate(0)}.faq-answer{max-height:0;overflow:hidden;transition:max-height .4s ease,padding .4s ease,opacity .4s ease;opacity:0}.faq-item.active .faq-answer{max-height:400px;padding-bottom:30px;opacity:1}.faq-answer p{margin-bottom:0;color:var(--deep-navy);opacity:.85;font-size:1.05rem;line-height:1.6;padding-right:60px}.meta-text{font-size:10px;color:#888;margin-bottom:30px;text-transform:uppercase;letter-spacing:1px}.hero-image{margin:40px auto;border-radius:12px;max-width:900px;box-shadow:0 20px 40px rgba(0,0,0,0.1)}@media(max-width:992px){.split-layout{grid-template-columns:1fr;gap:50px}.stats-list li{font-size:1.15rem}.stats-card-inner{padding:40px 20px}.hero-heading{font-size:2rem}.hero-subheading{font-size:1.5rem}}