:root{--navy:#0a3a6b;--blue:#1e7fd1;--ink:#1a2430;--muted:#5a6a7a;--bg:#f6f9fc;--card:#fff;--line:#dbe5ee}
*{box-sizing:border-box}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:var(--navy)}
header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:10}
.hwrap{max-width:1080px;margin:0 auto;padding:10px 20px;display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.hwrap img{height:44px;width:auto}
nav{margin-left:auto;display:flex;gap:18px;flex-wrap:wrap;align-items:center}
nav a{text-decoration:none;font-weight:bold;font-size:15px}
nav a.active{color:var(--blue);text-decoration:underline}
.callbtn{background:var(--navy);color:#fff!important;padding:9px 16px;border-radius:6px}
.hero{background:var(--bg);border-bottom:1px solid var(--line)}
.wrap{max-width:1080px;margin:0 auto;padding:44px 20px 56px}
.hero .wrap{display:grid;grid-template-columns:1.15fr .85fr;gap:30px;align-items:center}
@media(max-width:760px){.hero .wrap{grid-template-columns:1fr}}
.hero img{width:100%;border-radius:10px}
h1{color:var(--navy);font-size:38px;line-height:1.2;margin:0 0 12px}
h2{color:var(--navy);font-size:24px;margin:34px 0 10px}
h3{color:var(--navy);margin:0 0 6px}
.tag{font-size:19px;color:#33475c;margin:0 0 18px}
.cta{display:inline-block;background:var(--navy);color:#fff;padding:12px 22px;border-radius:6px;text-decoration:none;font-weight:bold;margin:6px 10px 6px 0}
.cta.alt{background:var(--blue)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px;margin-top:14px}
.card{background:var(--card);border:1px solid var(--line);border-radius:10px;padding:20px}
.card img{width:100%;border-radius:8px;margin-bottom:12px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;margin-top:14px}
.stat{background:var(--bg);border:1px solid var(--line);border-radius:10px;padding:18px;text-align:center}
.stat b{display:block;color:var(--navy);font-size:24px}
ul{padding-left:20px}
.note{background:#eef5fb;border:1px solid var(--line);border-radius:8px;padding:14px 18px;font-size:15px}
.faq{border:1px solid var(--line);border-radius:10px;padding:16px 20px;margin-bottom:12px;background:#fff}
.faq h3{margin-bottom:4px}
form label{display:block;font-weight:bold;margin:14px 0 5px}
form input,form select,form textarea{width:100%;padding:11px;border:1px solid #b9c9d9;border-radius:6px;font-size:16px;font-family:inherit}
form button{background:var(--navy);color:#fff;border:0;padding:13px 24px;border-radius:6px;font-weight:bold;font-size:16px;margin-top:18px;cursor:pointer}
footer{border-top:1px solid var(--line);background:var(--bg);margin-top:10px}
.fwrap{max-width:1080px;margin:0 auto;padding:26px 20px 40px;font-size:13.5px;color:var(--muted)}
.fwrap a{color:var(--navy)}

.agent{display:flex;gap:24px;align-items:flex-start;margin:26px 0 6px}
.agent img{width:190px;height:190px;object-fit:cover;border-radius:50%;border:3px solid var(--line);flex:none}
.agent .who{flex:1;min-width:250px}
.agent .who h2{margin-top:2px}
@media(max-width:760px){.agent{flex-direction:column;align-items:center;text-align:left}}