:root{
  --navy:#14324a; --blue:#1d587a; --sky:#eef4f7; --gold:#b78a3b;
  --text:#24303a; --muted:#63707a; --line:#dce5ea; --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:inherit}
.topbar{background:var(--navy);color:#fff;padding:9px 22px;font-size:14px}
.wrap{max-width:1180px;margin:auto}
.topbar .wrap{display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.header-wrap{max-width:1180px;margin:auto;padding:16px 22px;display:flex;justify-content:space-between;align-items:center;gap:24px}
.brand{display:flex;align-items:center;gap:13px;text-decoration:none}
.brand-mark{width:58px;height:58px;border-radius:10px;background:var(--navy);color:#fff;font-size:20px;font-weight:800;display:flex;align-items:center;justify-content:center}
.brand-copy strong{display:block;color:var(--navy);font-size:20px;line-height:1.15}
.brand-copy span{display:block;color:var(--muted);font-size:13px;margin-top:3px}
nav{display:flex;gap:18px;flex-wrap:wrap;align-items:center}
nav a{text-decoration:none;color:var(--navy);font-weight:700;font-size:14px}
nav a.cta{background:var(--navy);color:#fff;padding:9px 13px;border-radius:7px}
.hero{background:linear-gradient(115deg,#eef4f7 0%,#fff 55%,#eef3f6 100%)}
.hero-wrap{max-width:1180px;margin:auto;padding:64px 22px 52px;display:grid;grid-template-columns:1.08fr .92fr;gap:44px;align-items:center}
.eyebrow{text-transform:uppercase;letter-spacing:1.7px;color:var(--gold);font-size:13px;font-weight:800;margin-bottom:12px}
h1{font-size:46px;line-height:1.05;color:var(--navy);margin:0 0 18px}
.hero p{font-size:19px;color:#42515c;max-width:720px;margin:0 0 24px}
.actions{display:flex;gap:12px;flex-wrap:wrap}
.btn{display:inline-block;padding:13px 19px;border-radius:8px;text-decoration:none;font-weight:800}
.btn.primary{background:var(--navy);color:#fff}
.btn.secondary{background:#fff;color:var(--navy);border:1px solid #b9c7d0}
.hero-card{background:#fff;border-radius:18px;padding:28px;box-shadow:0 18px 45px rgba(20,50,74,.12);border:1px solid #e4eaee}
.hero-card img{display:block;max-width:230px;max-height:130px;width:auto;height:auto;margin:0 auto 18px}
.quick-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin-top:18px}
.quick{background:#f4f7f9;padding:14px;border-radius:10px;font-size:14px}
.quick strong{display:block;color:var(--navy);margin-bottom:2px}
main{max-width:1180px;margin:auto;padding:46px 22px 80px}
.section{margin-bottom:56px}
.section h2{font-size:31px;color:var(--navy);margin:0 0 10px;line-height:1.2}
.section-lead{font-size:17px;color:var(--muted);max-width:880px;margin:0 0 26px}
.card-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.card{border:1px solid var(--line);border-radius:14px;padding:22px;background:#fff}
.card h3{margin:0 0 8px;color:var(--navy);font-size:20px}
.card p{margin:0;color:#56636d}
.carrier-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.carrier-card{display:flex;flex-direction:column;border:1px solid var(--line);border-radius:16px;background:#fff;overflow:hidden;box-shadow:0 10px 26px rgba(20,50,74,.06)}
.carrier-logo{height:150px;display:flex;align-items:center;justify-content:center;padding:22px;background:#fafcfd}
.carrier-logo img{max-width:220px;max-height:105px}
.carrier-body{padding:22px;display:flex;flex-direction:column;flex:1}
.carrier-body h3{color:var(--navy);font-size:21px;margin:0 0 8px}
.carrier-body p{color:#56636d;margin:0 0 18px;flex:1}
.carrier-body a{color:var(--blue);font-weight:800;text-decoration:none}
.agent-panel{background:var(--navy);color:#fff;border-radius:16px;padding:30px;display:grid;grid-template-columns:1fr auto;gap:25px;align-items:center}
.agent-panel h2{color:#fff;margin:0 0 8px}
.agent-panel p{margin:0;color:#dbe6ec}
.agent-panel .btn{background:#fff;color:var(--navy)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:30px;align-items:start}
.story-photo{border-radius:16px;overflow:hidden;background:#eee}
.story-photo img{display:block;width:100%}
.caption{font-size:13px;color:var(--muted);margin-top:9px}
.resource-list{display:grid;gap:11px}
.resource{display:flex;justify-content:space-between;gap:18px;align-items:center;padding:16px 18px;border:1px solid var(--line);border-radius:10px;background:#fff}
.resource strong{color:var(--navy)}
.resource a{text-decoration:none;color:var(--blue);font-weight:800;white-space:nowrap}
.video-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:24px}
.video-card{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff}
.video-card .ratio{aspect-ratio:16/9;background:#111}
.video-card iframe{width:100%;height:100%;border:0}
.video-card .copy{padding:16px}
.video-card h3{margin:0;color:var(--navy)}
.notice{background:#fff8e8;border-left:5px solid var(--gold);padding:18px 20px;border-radius:8px;color:#5f512d;font-size:14px}
.searchbox{width:100%;padding:14px 15px;border:1px solid #bbc9d2;border-radius:9px;font-size:16px;margin-bottom:22px}
.table-list{width:100%;border-collapse:collapse}
.table-list th,.table-list td{padding:13px 12px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.table-list th{color:var(--navy);background:#f6f8fa}
footer{background:#10293d;color:#dbe6ec;padding:34px 22px}
.footer-wrap{max-width:1180px;margin:auto;display:flex;justify-content:space-between;gap:30px;flex-wrap:wrap}
footer strong{color:#fff}
.small{font-size:13px;color:var(--muted)}
@media(max-width:900px){
 .hero-wrap,.two-col{grid-template-columns:1fr}
 .carrier-grid,.card-grid{grid-template-columns:1fr 1fr}
 .header-wrap{flex-wrap:wrap;align-items:flex-start}
 nav{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:8px;width:100%}
 nav a{text-align:center;padding:9px 6px;border:1px solid var(--line);border-radius:7px;background:#fff;font-size:13px}
 nav a.cta{padding:9px 6px}
 h1{font-size:38px}
}
@media(max-width:620px){
 .carrier-grid,.card-grid,.quick-grid,.video-grid{grid-template-columns:1fr}
 .agent-panel{grid-template-columns:1fr}
 .resource{align-items:flex-start;flex-direction:column}
 nav{grid-template-columns:repeat(2,minmax(0,1fr))}
 .brand-copy strong{font-size:18px}
 h1{font-size:34px}
}