:root{
  --navy:#16273f;--navy2:#1f3556;--orange:#f47c20;--orange-d:#d96a12;
  --bg:#f7f8fa;--card:#ffffff;--ink:#22303f;--muted:#5b6b7c;--line:#e3e8ee;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65}
img{max-width:100%;display:block}
a{color:var(--orange-d);text-decoration:none}
.wrap{max-width:1100px;margin:0 auto;padding:0 20px}

/* header */
header{background:var(--navy);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(0,0,0,.25)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 20px;max-width:1100px;margin:0 auto;gap:16px;flex-wrap:wrap}
.logo{color:#fff;font-weight:800;font-size:1.15rem;letter-spacing:.2px}
.logo span{color:var(--orange)}
.logo small{display:block;font-weight:500;font-size:.7rem;color:#b8c4d4;letter-spacing:1.5px;text-transform:uppercase}
nav.links{display:flex;gap:18px;flex-wrap:wrap}
nav.links a{color:#dce4ee;font-size:.92rem;font-weight:600}
nav.links a:hover{color:var(--orange)}
.btn{display:inline-block;background:var(--orange);color:#fff!important;font-weight:700;padding:12px 22px;border-radius:8px;border:none;font-size:1rem;cursor:pointer;transition:background .15s}
.btn:hover{background:var(--orange-d)}
.btn.big{padding:16px 30px;font-size:1.1rem}

/* hero */
.hero{position:relative;color:#fff;background:var(--navy)}
.hero .bg{position:absolute;inset:0;object-fit:cover;width:100%;height:100%;opacity:.38}
.hero .inner{position:relative;padding:90px 20px 100px;max-width:1100px;margin:0 auto;text-align:left}
.hero h1{font-size:clamp(1.9rem,4.5vw,3rem);line-height:1.15;max-width:720px;margin-bottom:18px}
.hero p.sub{font-size:1.15rem;max-width:640px;color:#e7edf5;margin-bottom:28px}
.badges{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.badge{background:rgba(255,255,255,.12);border:1px solid rgba(255,255,255,.25);border-radius:8px;padding:8px 14px;font-size:.85rem;font-weight:600}

/* sections */
section{padding:64px 0}
section.alt{background:#fff;border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(1.5rem,3vw,2.1rem);color:var(--navy);margin-bottom:12px}
.lede{color:var(--muted);max-width:760px;margin-bottom:34px;font-size:1.05rem}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(255px,1fr));gap:22px}
.card{background:var(--card);border:1px solid var(--line);border-radius:12px;overflow:hidden;box-shadow:0 1px 4px rgba(22,39,63,.06)}
.card img{height:180px;width:100%;object-fit:cover}
.card .pad{padding:20px}
.card h3{color:var(--navy);margin-bottom:8px;font-size:1.15rem}
.card p{color:var(--muted);font-size:.95rem;margin-bottom:12px}
.card a.more{font-weight:700;font-size:.92rem}

/* storm timeline */
.storms{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:18px;margin-top:8px}
.storm{background:var(--navy);color:#fff;border-radius:12px;padding:22px}
.storm .date{color:var(--orange);font-weight:800;font-size:.95rem;letter-spacing:.5px;text-transform:uppercase}
.storm h3{margin:6px 0 8px;font-size:1.1rem}
.storm p{color:#c6d1e0;font-size:.92rem}

/* two-col */
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.split img{border-radius:12px;box-shadow:0 8px 30px rgba(22,39,63,.18)}
@media(max-width:820px){.split{grid-template-columns:1fr}}
.checks{list-style:none;margin:16px 0}
.checks li{padding:7px 0 7px 30px;position:relative;color:var(--ink)}
.checks li::before{content:"✓";position:absolute;left:0;top:6px;color:var(--orange);font-weight:800}

/* areas */
.areas{display:flex;flex-wrap:wrap;gap:10px;margin-top:10px}
.areas span,.areas a{background:#fff;border:1px solid var(--line);border-radius:999px;padding:8px 16px;font-size:.9rem;color:var(--ink);font-weight:600}

/* faq */
details{background:#fff;border:1px solid var(--line);border-radius:10px;margin-bottom:10px;padding:0}
details summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 18px;list-style:none}
details summary::-webkit-details-marker{display:none}
details summary::after{content:"+";float:right;color:var(--orange);font-weight:800}
details[open] summary::after{content:"–"}
details .a{padding:0 18px 16px;color:var(--muted)}

/* form */
.quote{background:var(--navy);color:#fff}
.quote h2{color:#fff}
.quote .lede{color:#c6d1e0}
form.lead{display:grid;grid-template-columns:1fr 1fr;gap:14px;max-width:720px}
form.lead .full{grid-column:1/-1}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:13px 14px;border-radius:8px;border:1px solid #3a4f6e;background:#22385a;color:#fff;font-size:1rem;font-family:inherit}
form.lead input::placeholder,form.lead textarea::placeholder{color:#93a5bd}
form.lead label{font-size:.85rem;font-weight:600;color:#c6d1e0;display:block;margin-bottom:5px}
@media(max-width:640px){form.lead{grid-template-columns:1fr}}

/* prose pages */
.prose{max-width:820px}
.prose h2{margin-top:38px}
.prose h3{color:var(--navy);margin:26px 0 8px}
.prose p{margin-bottom:14px}
.prose ul{margin:0 0 16px 22px}
.prose li{margin-bottom:6px}
.hero.small .inner{padding:60px 20px 66px}

/* footer */
footer{background:#0f1c2f;color:#9fb0c5;padding:48px 0 34px;font-size:.9rem}
footer .cols{display:grid;grid-template-columns:2fr 1fr 1fr;gap:30px;max-width:1100px;margin:0 auto;padding:0 20px}
@media(max-width:720px){footer .cols{grid-template-columns:1fr}}
footer h4{color:#fff;margin-bottom:10px;font-size:1rem}
footer a{color:#9fb0c5;display:block;padding:3px 0}
footer a:hover{color:var(--orange)}
.disclaimer{max-width:1100px;margin:28px auto 0;padding:18px 20px 0;border-top:1px solid #223650;font-size:.8rem;color:#7386a0}