:root{
  --navy:#0b1f3f; --navy-2:#14284b; --red:#c8102e; --red-dark:#a30d26;
  --gray:#efefef; --ink:#1d2433; --muted:#5a6472; --white:#ffffff;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'Roboto',Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.65;font-size:17px}
h1,h2,h3,h4,.btn{font-family:'Oswald',Arial,sans-serif;text-transform:uppercase;letter-spacing:.5px;line-height:1.15}
img{max-width:100%;display:block}
a{color:var(--red);text-decoration:none}
.container{max-width:1180px;margin:0 auto;padding:0 24px}

/* top bar */
.topbar{background:var(--navy);color:#cdd6e4;font-size:13px;padding:6px 0;text-align:center;letter-spacing:1px;text-transform:uppercase}
.topbar strong{color:#fff}

/* header */
header{background:var(--white);position:sticky;top:0;z-index:50;box-shadow:0 2px 10px rgba(11,31,63,.12)}
.nav{display:flex;align-items:center;justify-content:space-between;padding:14px 0;gap:20px}
.nav .logo img{height:64px;width:auto}
.nav ul{display:flex;list-style:none;gap:26px;align-items:center;flex-wrap:wrap}
.nav ul a{color:var(--navy);font-family:'Oswald',Arial,sans-serif;text-transform:uppercase;font-size:15px;letter-spacing:.8px}
.nav ul a:hover{color:var(--red)}
.btn{display:inline-block;background:var(--red);color:#fff;padding:13px 30px;font-size:16px;font-weight:600;border:none;cursor:pointer;transition:background .2s;border-radius:2px}
.btn:hover{background:var(--red-dark)}
.btn.ghost{background:transparent;border:2px solid #fff;color:#fff}
.btn.ghost:hover{background:#fff;color:var(--navy)}
.btn.navy{background:var(--navy)}
.btn.navy:hover{background:var(--navy-2)}

/* hero */
.hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 60%,#1d3a6b 100%);color:#fff;overflow:hidden;position:relative}
.hero::after{content:"";position:absolute;inset:0;background:
 repeating-linear-gradient(45deg,rgba(255,255,255,.02) 0 2px,transparent 2px 24px)}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:48px;align-items:stretch;position:relative;z-index:1}
.hero-copy{padding:84px 0 84px}
.kicker{display:inline-block;background:var(--red);color:#fff;font-family:'Oswald',Arial,sans-serif;text-transform:uppercase;font-size:14px;letter-spacing:2.5px;padding:7px 16px;margin-bottom:22px}
.hero h1{font-size:clamp(38px,5vw,60px);font-weight:700;margin-bottom:18px}
.hero p.lead{font-size:20px;color:#d7deea;max-width:560px;margin-bottom:32px}
.hero-cta{display:flex;gap:16px;flex-wrap:wrap}
.hero-photo{position:relative;min-height:420px}
.hero-photo img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:top center}
.hero-photo::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,var(--navy-2) 0%,transparent 22%);z-index:1}

/* stripe */
.stripe{height:8px;background:linear-gradient(90deg,var(--red) 0 33.3%,#fff 33.3% 66.6%,var(--navy) 66.6% 100%)}

/* sections */
section{padding:78px 0}
.section-head{text-align:center;max-width:820px;margin:0 auto 52px}
.section-head h2{font-size:clamp(30px,3.6vw,42px);color:var(--navy)}
.section-head h2 span{color:var(--red)}
.section-head p{margin-top:14px;color:var(--muted);font-size:18px}
.rule{width:74px;height:5px;background:var(--red);margin:18px auto 0}

/* cards */
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:28px}
.card{background:#fff;border-top:6px solid var(--red);box-shadow:0 6px 24px rgba(11,31,63,.10);padding:34px 30px}
.card .num{font-family:'Oswald',Arial,sans-serif;font-size:15px;letter-spacing:2px;color:var(--red);font-weight:600}
.card h3{color:var(--navy);font-size:23px;margin:8px 0 12px}
.card p{color:var(--muted);font-size:16px}
.checklist{list-style:none;margin-top:14px}
.checklist li{position:relative;padding:8px 0 8px 30px;color:var(--muted);font-size:16px}
.checklist li::before{content:"\2713";position:absolute;left:0;top:8px;color:var(--red);font-weight:700;font-family:'Oswald',Arial,sans-serif}
.gray{background:var(--gray)}

/* expandable plan */
.plan-detail{overflow:hidden;transition:max-height .45s ease;max-width:900px;margin:0 auto}
.plan-inner{background:#fff;border-top:6px solid var(--red);box-shadow:0 6px 24px rgba(11,31,63,.10);padding:38px 40px;margin-top:28px;text-align:left}
.plan-inner h3{color:var(--navy);font-size:clamp(24px,3vw,32px);margin-bottom:16px}
.plan-inner h4{color:var(--red);font-size:20px;margin:26px 0 8px}
.plan-inner p{color:var(--muted);font-size:16px;margin-bottom:12px}
.plan-inner .plan-close{margin-top:24px;padding-top:20px;border-top:1px solid #e2e6ec;font-weight:500;color:var(--navy)}

/* quote */
.quote{background:var(--navy);color:#fff;text-align:center}
.quote blockquote{font-family:'Oswald',Arial,sans-serif;font-size:clamp(24px,3vw,34px);text-transform:uppercase;max-width:900px;margin:0 auto;line-height:1.35}
.quote blockquote span{color:#ff5a5a}
.quote cite{display:block;margin-top:22px;font-family:'Roboto',Arial,sans-serif;font-style:normal;font-size:15px;letter-spacing:3px;text-transform:uppercase;color:#9fb0c9}

/* photo band */
.photoband .wrap{display:grid;gap:28px;align-items:center}
.photoband .wrap.two{grid-template-columns:1fr 1fr}
.photoband figure{position:relative;box-shadow:0 10px 34px rgba(11,31,63,.22)}
.photoband img{width:100%;height:460px;object-fit:cover}
.photoband figcaption{position:absolute;left:0;bottom:0;background:rgba(11,31,63,.85);color:#fff;font-family:'Oswald',Arial,sans-serif;text-transform:uppercase;letter-spacing:1.5px;font-size:14px;padding:10px 18px}
.photocopy{max-width:860px;margin:0 auto 44px;text-align:center;color:var(--muted);font-size:18px}

/* mega */
.mega{background:linear-gradient(120deg,var(--red) 0%,var(--red-dark) 100%);color:#fff}
.mega .inner{display:grid;grid-template-columns:1.2fr .8fr;gap:44px;align-items:center}
.mega h2{font-size:clamp(28px,3.4vw,40px);margin-bottom:16px}
.mega p{color:#ffe3e8;font-size:17px;margin-bottom:12px}
.mega ul{list-style:none;margin-top:6px}
.mega li{padding:9px 0 9px 34px;position:relative;font-size:17px}
.mega li::before{content:"\2713";position:absolute;left:0;top:9px;font-weight:700;color:#fff;background:rgba(255,255,255,.18);width:24px;height:24px;border-radius:50%;display:flex;align-items:center;justify-content:center;font-size:13px}

/* signup */
.signup{background:var(--gray)}
.signup .box{background:#fff;max-width:880px;margin:0 auto;padding:52px 48px;box-shadow:0 10px 34px rgba(11,31,63,.12);border-top:8px solid var(--navy)}
.signup h2{color:var(--navy);font-size:32px;text-align:center;margin-bottom:8px}
.signup .sub{text-align:center;color:var(--muted);margin-bottom:30px}
.form-grid{display:grid;grid-template-columns:1fr 1fr 1fr;gap:16px;margin-bottom:16px}
.form-grid input{padding:14px 16px;border:1px solid #cfd6e0;font-size:16px;width:100%;border-radius:2px}
.consent{font-size:12px;color:#8a94a3;margin:14px 0 20px;line-height:1.5}
.signup .btn{width:100%;font-size:18px;padding:16px}

/* coalition grid (index) */
.cogrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(260px,1fr));gap:24px}
.cocard{background:var(--navy);color:#fff;padding:38px 28px;position:relative;overflow:hidden;transition:transform .18s;border-bottom:6px solid var(--red);display:block}
.cocard:hover{transform:translateY(-5px)}
.cocard h3{font-size:22px;color:#fff;margin-bottom:8px}
.cocard p{font-size:14.5px;color:#c2cddd}
.cocard .go{display:inline-block;margin-top:16px;font-family:'Oswald',Arial,sans-serif;text-transform:uppercase;font-size:14px;letter-spacing:1.5px;color:#ff8a99}

/* footer */
footer{background:var(--navy);color:#b9c4d6;padding:56px 0 0;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:40px;padding-bottom:40px}
footer h4{color:#fff;font-size:17px;letter-spacing:1.5px;margin-bottom:16px}
footer ul{list-style:none}
footer li{margin-bottom:9px}
footer a{color:#b9c4d6}
footer a:hover{color:#fff}
.foot-logo{height:60px;width:auto;margin-bottom:16px;background:#fff;padding:6px;border-radius:4px}
.disclaimer{border-top:1px solid rgba(255,255,255,.14);padding:22px 0;text-align:center;font-size:13px;color:#8fa0ba}
.disclaimer .paid{display:inline-block;border:1px solid #8fa0ba;padding:6px 14px;margin-bottom:10px;text-transform:uppercase;letter-spacing:1px}

@media(max-width:900px){
  .hero-grid{grid-template-columns:1fr}
  .hero-photo{min-height:340px;order:-1}
  .hero-photo::before{display:none}
  .hero-copy{padding:56px 0 64px}
  .mega .inner{grid-template-columns:1fr}
  .form-grid{grid-template-columns:1fr}
  .foot-grid{grid-template-columns:1fr}
  .photoband .wrap.two{grid-template-columns:1fr}
  .nav ul{display:none}
}