:root{
  --brand:#0b2f5b;
  --brand-2:#1669a8;
  --accent:#7cc8f4;
  --ink:#101828;
  --muted:#5d6675;
  --line:#dfe5ec;
  --soft:#f3f7fb;
  --white:#fff;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Arial,sans-serif;line-height:1.5}
img{max-width:100%;display:block}
a{color:inherit;text-underline-offset:3px}
.mobile-only{display:none}
.container{max-width:1120px;margin:0 auto;padding:0 18px}
.topbar{display:flex;align-items:center;justify-content:space-between;gap:14px;padding:12px 18px;border-bottom:1px solid var(--line);background:rgba(255,255,255,.96);position:sticky;top:0;z-index:10}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;min-width:0}
.logo-mark{width:48px;height:48px;border-radius:8px;background:var(--brand);color:#fff;display:grid;place-items:center;font-weight:900;letter-spacing:.04em;flex:0 0 auto}
.brand-text{display:grid;gap:1px;font-size:13px;color:var(--brand);white-space:nowrap}
.brand-text strong{font-size:16px;letter-spacing:0}
.brand-text small{font-size:12px;color:var(--muted)}
.cta-right,.actions{display:flex;gap:10px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:46px;padding:12px 18px;border:2px solid var(--brand);border-radius:8px;background:var(--brand);color:#fff;font-weight:800;text-decoration:none;cursor:pointer;font-size:15px}
.btn.ghost{background:#fff;color:var(--brand)}
.btn.ghost.light{border-color:rgba(255,255,255,.74);background:rgba(255,255,255,.08);color:#fff}
.btn.wide{width:100%}
.hero{background:linear-gradient(135deg,#082747 0%,#0b2f5b 52%,#164d79 100%);color:#fff}
.hero-grid{display:grid;grid-template-columns:minmax(0,1.02fr) minmax(280px,.98fr);gap:28px;align-items:center;padding-top:34px;padding-bottom:34px}
.eyebrow{margin:0 0 10px;color:#cceeff;font-weight:800;text-transform:uppercase;font-size:12px;letter-spacing:.08em}
.eyebrow.dark{color:var(--brand-2)}
h1,h2,h3,p{overflow-wrap:anywhere}
h1{font-size:clamp(34px,5vw,58px);line-height:1.04;margin:0 0 16px;letter-spacing:0}
h2{font-size:clamp(26px,3.4vw,40px);line-height:1.12;margin:0 0 12px;letter-spacing:0}
h3{font-size:20px;line-height:1.2;margin:0 0 8px}
.subhead{font-size:clamp(18px,2vw,21px);color:#e7f2fb;margin:0 0 18px;max-width:720px}
.pills{display:flex;gap:8px;flex-wrap:wrap;margin:18px 0 0;padding:0;list-style:none}
.pills li{border:1px solid rgba(255,255,255,.26);border-radius:999px;padding:7px 11px;background:rgba(255,255,255,.08);font-size:13px}
.hero-media{position:relative;border-radius:8px;overflow:hidden;border:1px solid rgba(255,255,255,.22);box-shadow:0 24px 60px rgba(0,0,0,.26)}
.icon-hero{min-height:430px;background:linear-gradient(145deg,rgba(255,255,255,.12),rgba(124,200,244,.18));display:grid;place-items:center;padding:34px}
.advisor-hero{min-height:430px;background:#092747}
.advisor-hero:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(8,39,71,0) 40%,rgba(8,39,71,.42) 100%);pointer-events:none}
.advisor-hero img{width:100%;height:430px;object-fit:cover;object-position:center 24%;filter:saturate(.94)}
.hero-icon-grid{position:absolute;left:14px;top:14px;display:grid;grid-template-columns:repeat(2,58px);gap:8px;z-index:1}
.big-icon{height:58px;border:1px solid rgba(255,255,255,.28);border-radius:8px;background:rgba(255,255,255,.9);display:grid;place-items:center;color:var(--brand)}
.big-icon svg{width:30px;height:30px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.hero-note{position:absolute;left:14px;right:auto;bottom:14px;display:grid;gap:1px;max-width:270px;padding:10px 12px;border-radius:8px;background:rgba(255,255,255,.94);color:var(--ink);z-index:1}
.hero-note strong{font-size:15px}
.hero-note span{color:var(--muted);font-size:13px}
.section{margin:48px auto}
.section-head{max-width:760px;margin-bottom:18px}
.section-head p{color:var(--muted);margin:0}
.risk-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}
.risk-grid article{min-height:84px;border:1px solid var(--line);border-radius:8px;background:#fff;padding:14px;display:flex;align-items:end;box-shadow:0 8px 24px rgba(11,47,91,.06)}
.risk-grid span{font-weight:800;color:var(--brand)}
.band{background:var(--soft);padding:44px 0;margin:0}
.solution-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:14px}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:18px;box-shadow:0 10px 28px rgba(11,47,91,.07)}
.card p{color:var(--muted);margin:0}
.pain-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:12px;margin:18px 0}
.pain-grid article{border:1px solid var(--line);border-radius:8px;background:#f8fbfe;padding:16px;display:grid;gap:6px}
.pain-grid strong{color:var(--brand);line-height:1.25}
.pain-grid span{color:var(--muted);font-size:15px}
.scenario-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:14px}
.problem-section .card{border-top:4px solid var(--accent)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:28px;align-items:center}
.why-dhs{max-width:900px}
.list-check{margin:14px 0 0;padding:0;list-style:none;display:grid;gap:10px}
.list-check li{position:relative;padding-left:28px}
.list-check li:before{content:"";position:absolute;left:0;top:.45em;width:14px;height:14px;border-radius:50%;background:var(--accent);box-shadow:inset 0 0 0 4px #dff4ff}
.image-panel{margin:0;border-radius:8px;overflow:hidden;border:1px solid var(--line)}
.image-panel img{width:100%;height:340px;object-fit:cover}
.office-panel img{height:420px;object-position:center 34%}
.check-intro p{color:var(--muted)}
.visit-panel{position:relative}
.visit-panel img{object-position:center}
.visit-panel figcaption{position:absolute;left:14px;right:14px;bottom:14px;margin:0;border-radius:8px;background:rgba(255,255,255,.94);padding:12px 14px;color:var(--brand);font-weight:800;box-shadow:0 12px 28px rgba(11,47,91,.16)}
.photo-placeholder{min-height:340px;border:1px dashed #a9b8c8;border-radius:8px;background:linear-gradient(135deg,#f7fafc,#eef6fc);display:grid;place-items:center;text-align:center;padding:28px;color:var(--brand)}
.photo-placeholder strong{font-size:22px}
.photo-placeholder span:last-child{color:var(--muted);max-width:360px}
.placeholder-icon{width:58px;height:58px;border-radius:8px;background:#fff;display:grid;place-items:center;color:var(--brand-2);box-shadow:0 8px 22px rgba(11,47,91,.08)}
.placeholder-icon svg{width:34px;height:34px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.check-band,.contact-band{background:var(--brand);color:#fff;padding:44px 0;margin:0}
.check-layout,.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:28px;align-items:start}
.check-layout p,.contact-grid p{color:#e7f2fb}
.check-card,.form{background:#fff;color:var(--ink);border-radius:8px;padding:18px;border:1px solid rgba(255,255,255,.2);box-shadow:0 18px 42px rgba(0,0,0,.18)}
.check-card{display:grid;gap:12px}
.check-card label{font-weight:750;color:var(--brand)}
.check-card label:has(input){display:flex;gap:10px;align-items:center;color:var(--ink);font-weight:650}
input,select{width:100%;min-height:48px;border:1px solid var(--line);border-radius:8px;padding:12px;font:inherit;background:#fff;color:var(--ink)}
input[type="checkbox"]{width:18px;min-height:18px;accent-color:var(--brand)}
.result{display:grid;gap:8px;border-radius:8px;background:#eef8ff;border:1px solid #cceeff;padding:14px}
.result span{color:var(--muted)}
.portal{display:grid;grid-template-columns:.95fr 1.05fr;gap:24px;align-items:center}
.portal-note{display:block;border:1px solid var(--line);border-left:4px solid var(--accent);border-radius:8px;background:#f8fbfe;padding:16px 18px}
.portal-note p{margin:0;color:var(--muted)}
.portal-note strong{color:var(--brand)}
.portal-copy p{color:var(--muted)}
.portal-list,.focus-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:10px}
.portal-list span,.focus-grid span,.focus-grid a{border:1px solid var(--line);border-radius:8px;background:#fff;padding:13px;font-weight:750;color:var(--brand);box-shadow:0 8px 22px rgba(11,47,91,.05);text-decoration:none}
.focus-grid a{text-decoration:underline;text-underline-offset:3px}
.about p{color:var(--muted)}
.about .legal-note{color:var(--brand);font-weight:800;margin-top:-2px}
.row{display:flex;gap:12px;margin-bottom:12px}
.form-hint{margin:10px 0 0;color:var(--muted);font-size:14px}
.partners{display:flex;align-items:center;gap:12px;flex-wrap:wrap;margin-top:20px;color:#e7f2fb}
.partners strong{background:#fff;color:var(--brand);border-radius:6px;padding:5px 8px;font-size:13px}
.footer{border-top:1px solid var(--line);padding:18px;margin:0 auto 24px;display:flex;flex-direction:column;gap:8px;color:#697386;font-size:14px}
.locations{color:#485466}
@media (max-width:980px){
  .hero-grid,.split,.check-layout,.contact-grid,.portal{grid-template-columns:1fr}
  .risk-grid,.scenario-grid,.pain-grid{grid-template-columns:repeat(2,1fr)}
  .solution-grid{grid-template-columns:repeat(2,1fr)}
  .icon-hero,.advisor-hero{min-height:360px}
  .advisor-hero img{height:360px}
}
@media (max-width:680px){
  .mobile-only{display:block}
  .mobile-hide,.mobile-hide-inline{display:none}
  .topbar{position:static;align-items:flex-start}
  .brand{align-items:flex-start}
  .brand-text{white-space:normal}
  .cta-right{width:100%}
  .cta-right .btn{flex:1 1 180px}
  .hero-grid{padding-top:22px;padding-bottom:24px}
  .actions .btn{width:100%}
  .risk-grid,.scenario-grid,.pain-grid,.solution-grid,.portal-list,.focus-grid{grid-template-columns:1fr}
  .row{flex-direction:column}
  .icon-hero,.advisor-hero,.image-panel img,.photo-placeholder{min-height:300px}
  .office-panel img{height:340px}
  .advisor-hero img{height:300px}
  .visit-panel figcaption{position:static;border-radius:0;box-shadow:none}
  .hero-note{position:static;max-width:none;border-radius:0;padding:11px 14px}
  .hero-icon-grid{grid-template-columns:repeat(2,48px)}
  .big-icon{height:48px}
  .big-icon svg{width:26px;height:26px}
  .section{margin:30px auto}
  .section-head{margin-bottom:12px}
  .card,.pain-grid article,.check-card,.form{padding:14px}
  .list-check{gap:8px}
}