:root{--navy:#091c30;--navy2:#102b43;--gold:#e7a64a;--ink:#1c3448;--muted:#526779;--light:#f4f7f9}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65}a{color:inherit;text-decoration:none}.wrap{width:min(1120px,91%);margin:auto}.top{position:sticky;top:0;z-index:10;background:#081c2e;color:white;box-shadow:0 3px 14px #0002}.top .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;padding:17px 0}.brand{font-weight:900;letter-spacing:.06em;font-size:1.15rem;line-height:1.2}.brand small{display:block;color:var(--gold);letter-spacing:.24em;font-size:.65rem}nav{display:flex;gap:18px;align-items:center;flex-wrap:wrap}nav a{font-size:.88rem}nav a:hover,nav a[aria-current]{color:var(--gold)}.hero{background:linear-gradient(90deg,#071a2ce8,#071a2caa 50%,#071a2c30),url('/afr-hero.jpg') center/cover;color:#fff;min-height:540px;display:flex;align-items:center}.hero .wrap{padding:85px 0}.hero h1{font-size:clamp(2.4rem,5vw,4.5rem);line-height:1.09;max-width:760px;margin:15px 0}.hero p{font-size:1.13rem;max-width:620px;color:#e7edf3}.eyebrow{color:#bd812e;font-size:.83rem;font-weight:800;letter-spacing:.14em;text-transform:uppercase}.hero .eyebrow{color:var(--gold)}.btn{display:inline-block;background:var(--gold);border:0;border-radius:5px;color:#0d2438;font-weight:800;padding:13px 22px;cursor:pointer;font:inherit;font-weight:700;margin:10px 12px 0 0}.btn.outline{background:transparent;border:1px solid white;color:white}.pagehead{background:var(--navy);color:white;padding:70px 0}.pagehead h1{font-size:clamp(2.2rem,4vw,3.5rem);line-height:1.12;margin:8px 0}.pagehead p{max-width:690px;color:#d7e2eb}section{padding:72px 0}.light{background:var(--light)}h2{font-size:clamp(1.75rem,3vw,2.5rem);line-height:1.18;margin:10px 0 20px}h3{margin:12px 0 8px}.intro{max-width:760px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:30px}.card{background:white;border:1px solid #e1e7eb;border-radius:10px;padding:28px;box-shadow:0 5px 18px #071c2e0a}.card p,.muted{color:var(--muted)}.split{display:grid;grid-template-columns:1fr 1fr;gap:55px;align-items:start}.panel{background:var(--navy2);color:white;padding:32px;border-radius:10px}.panel p{color:#d8e4ec}.quoteform{background:white;border:1px solid #dde5ea;padding:30px;border-radius:10px}.quoteform label{display:block;font-weight:700;font-size:.88rem;margin-top:15px}.quoteform input,.quoteform textarea,.quoteform select{display:block;width:100%;padding:12px;margin-top:5px;border:1px solid #bdcad4;border-radius:5px;font:inherit}.quoteform textarea{min-height:115px}.note{font-size:.82rem;color:var(--muted)}.notice{padding:12px 16px;border-radius:5px;background:#e8f3ed;color:#184c2b;margin-top:15px}.error{background:#ffebeb;color:#8b1e1e}.cta{background:#102b43;color:#fff}.cta p{color:#e0e8ef}.contactlink{color:#a96b19;text-decoration:underline;overflow-wrap:anywhere}footer{background:#061624;color:#cbd7e1;padding:30px 0;font-size:.87rem}footer .wrap{display:flex;gap:16px;justify-content:space-between;flex-wrap:wrap}footer a{text-decoration:underline}ul{padding-left:20px}@media(max-width:780px){.top .wrap{display:block}.top nav{margin-top:12px;gap:10px 15px}.top nav a{font-size:.78rem}.grid,.split{grid-template-columns:1fr}.hero{min-height:490px;background-position:60% center}.hero .wrap{padding:65px 0}section{padding:55px 0}}