:root{
    --navy:#0f3557;
    --navy-dark:#0a2740;
	--navy-mid:#0f3152f0;
    --gold:#d2c334;
    --gold-dark:#b4a233;
    --ink:#1c2b3a;
    --paper:#f7f8fa;
	--panel:#eef1f5;
  }
  
  
  /* Hero */
.hero{background:var(--panel);padding:60px 0 90px;position:relative;overflow:hidden;background: #e7e9ea;}
.hero .logo-mark-big{width:150px;height:150px;}
.hero-wrap{display:flex;align-items:center;gap:30px;justify-content:center;flex-wrap:wrap;text-align:left;}
.hero h1{font-size:40px;font-weight:800;color:var(--navy);line-height:1.15;margin:0;}
.hero h1 .accent{display:block;color:var(--navy-mid);}
.hero p.lead{color:var(--muted);font-size:16px;max-width:480px;margin:14px 0 0;}
.wave{position:absolute;left:0;right:0;bottom:-1px;height:60px;background:var(--paper);
  border-radius:50% 50% 0 0/100% 100% 0 0;transform:scaleX(1.4);}

  /* Benefit cards */
  .benefits{margin-top:-40px;position:relative;z-index:2;}
  .benefit-card{
    background:#fff;border-radius:6px;
    box-shadow:0 10px 30px rgba(15,53,87,.12);
    padding:30px 28px;height:100%;
  }
  .benefit-card .stat-figure{
    font-size:38px;font-weight:800;color:var(--navy);line-height:1;
  }
  .benefit-card .stat-label{
    color:#5a6b7b;font-size:15px;margin-top:6px;
  }
  .benefit-card.gold{
    border-top:4px solid var(--gold);
  }
  .benefit-card.navy-border{
    border-top:4px solid var(--navy);
  }

  section{padding:64px 0;}
  section h2{
    font-size:28px;font-weight:700;color:var(--navy);margin-bottom:28px;
  }

  /* Table */
  .table-wrap{
    background:#fff;border-radius:6px;overflow:hidden;box-shadow:0 4px 16px rgba(15,53,87,.08);
  }
  table.incentive-table{width:100%;margin:0;}
  table.incentive-table th{
    background:var(--navy);color:#fff;font-weight:600;padding:16px 18px;font-size:15px;
  }
  table.incentive-table td{
    padding:18px;font-size:15px;vertical-align:middle;
  }
  table.incentive-table td.amount{
    font-family:'Poppins',sans-serif;font-weight:700;color:var(--navy);font-size:20px;
  }
  table.incentive-table tr:nth-child(odd) td{background:#fafbfc;}
  .table-note{text-align: justify;;font-size:14px;margin-top:14px;}


  /* Uses grid */
  .use-grid{display:flex;flex-wrap:wrap;margin:0 -10px;}
  .use-item{
    flex:1 1 220px;margin:10px;background:#fff;border-radius:6px;padding:20px;
    box-shadow:0 2px 10px rgba(15,53,87,.06);font-size:15px;color:#2c3a48;
  }

.container-narrow{max-width:1140px;margin:0 auto;padding:0 20px;}

/* Topbar */
.topbar{background:var(--navy-dark);color:#c9d5e2;font-size:12px;padding:6px 0;}
.topbar .container-narrow{display:flex;justify-content:flex-end;gap:16px;align-items:center;}
.topbar a{color:#c9d5e2;text-decoration:none;letter-spacing:.4px;}

/* Header */
.site-header{background:var(--navy);padding-top:var(--bt);}
.site-header .row-flex{display:flex;align-items:center;justify-content:space-between;padding:16px 0;flex-wrap:wrap;}
.logotype{color:#fff;font-weight:800;font-size:20px;letter-spacing:.5px;display:flex;align-items:center;}
.logotype small{display:block;color:#9fb2c6;font-size:10px;font-weight:400;letter-spacing:2px;margin-top:1px;}
.logo-mark{width:34px;height:34px;margin-right:10px;flex-shrink:0;}


/* Sections */
.section-title{font-size:28px;font-weight:700;color:var(--navy);margin:0 0 20px;}
.section-title.center{text-align:center;margin-bottom:44px;}


/* stat rows */
.stat-row{display:flex;align-items:flex-start;gap:16px;margin-bottom:22px;}
.stat-icon{
  width:44px;height:44px;border-radius:50%;background:#eaf1f8;color:var(--navy);
  display:flex;align-items:center;justify-content:center;flex-shrink:0;font-weight:700;font-size:16px;
}
.stat-text{color:var(--ink);font-size:15.5px;padding-top:6px;}

/* checklist */
.check-item{display:flex;gap:14px;margin-bottom:20px;align-items:flex-start;}
.check-mark{
  width:24px;height:24px;border-radius:50%;background:var(--navy);color:#fff;flex-shrink:0;
  display:flex;align-items:center;justify-content:center;font-size:13px;margin-top:2px;
}
.check-text{color:var(--ink);font-size:15.5px;}

/* Services cards */
.svc-card{
  background:#fff;border-radius:6px;padding:40px 26px;text-align:center;height:100%;
  box-shadow:0 4px 18px rgba(11,40,66,.08);
}
.svc-card.featured{background:var(--navy);color:#fff;box-shadow:0 18px 34px rgba(11,40,66,.28);transform:translateY(-14px);}
.svc-card .svc-icon{
  width:58px;height:58px;border-radius:50%;margin:0 auto 18px;background:#eaf1f8;color:var(--navy);
  display:flex;align-items:center;justify-content:center;font-weight:700;
}
.svc-card.featured .svc-icon{background:rgba(255,255,255,.14);color:#fff;}
.svc-card h4{font-size:17px;font-weight:700;margin:0 0 10px;}
.svc-card p{font-size:14px;color:var(--muted);margin:0;}
.svc-card.featured p{color:#cddaea;}

/* Banner */
.banner{background:var(--navy);color:#fff;border-radius:6px;overflow:hidden;}
.banner .row{display:flex;align-items:center;margin:0;}
.banner .col-txt{flex:1;padding:44px 30px;text-align:center;}
.banner .col-txt h5{font-weight:700;font-size:16px;letter-spacing:.5px;margin:0;}
.banner .col-mark{width:150px;flex-shrink:0;display:flex;align-items:center;justify-content:center;padding:20px;background:rgba(255,255,255,.06);}
.banner .col-mark svg{width:70px;height:70px;}

/* Contact */
.contact-sec{text-align:center;}
.contact-sec .divider{width:40px;height:2px;background:var(--gold);margin:0 auto 18px;}
.contact-sec p{font-size:16px;color:var(--ink);margin:6px 0;}