:root{--navy:#071521;--navy2:#0d2638;--ink:#102332;--steel:#536979;--paper:#f6f4ef;--white:#fff;--copper:#c8793b;--copper2:#e3a064;--line:#d8dee2;--shadow:0 20px 55px rgba(7,21,33,.14)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.6}a{color:inherit}img{display:block;max-width:100%}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.77rem;font-weight:800;color:var(--copper)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;line-height:1.08;margin:0}h1{font-size:clamp(2.9rem,6vw,5.5rem);letter-spacing:-.045em}h2{font-size:clamp(2rem,4vw,3.4rem);letter-spacing:-.035em}h3{font-size:1.45rem}p{margin:0;color:var(--steel)}.skip{position:absolute;left:-999px}.skip:focus{left:16px;top:12px;z-index:99;background:#fff;padding:10px}
.site-header{position:relative;z-index:20;background:var(--navy);color:#fff;border-bottom:1px solid rgba(255,255,255,.1)}.nav{height:84px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{text-decoration:none;display:flex;align-items:center;gap:13px}.brand-logo{width:47px;height:54px;object-fit:contain;filter:drop-shadow(0 4px 8px rgba(0,0,0,.22))}.brand-name{font:700 1.3rem Georgia}.brand-sub{display:block;color:#90a2af;font:700 .67rem ui-sans-serif;text-transform:uppercase;letter-spacing:.17em}.nav-links{display:flex;align-items:center;gap:26px}.nav-links a{text-decoration:none;font-size:.92rem;font-weight:650;color:#d8e1e7}.nav-links a:hover,.nav-links a[aria-current=page]{color:var(--copper2)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:0 22px;background:var(--copper);color:#fff;text-decoration:none;font-weight:800;border:0;border-radius:2px;transition:.2s}.btn:hover{background:#ae622b;transform:translateY(-1px)}.btn-outline{background:transparent;border:1px solid rgba(255,255,255,.45)}.menu-btn{display:none;background:none;border:1px solid #526675;color:#fff;padding:8px 11px;font:inherit}
.hero{min-height:680px;background:linear-gradient(90deg,rgba(5,17,27,.97) 0%,rgba(5,17,27,.82) 35%,rgba(5,17,27,.15) 72%),url('assets/meritus-hero.png') center/cover;display:flex;align-items:center;color:#fff}.hero-copy{width:min(700px,68%);padding:95px 0}.hero h1{margin:15px 0 24px}.hero p{color:#d6e0e6;font-size:1.17rem;max-width:620px}.hero-actions{display:flex;gap:14px;margin-top:34px;flex-wrap:wrap}.proofbar{background:var(--navy2);color:#fff}.proofgrid{display:grid;grid-template-columns:repeat(3,1fr);padding:24px 0}.proof{padding:0 28px;border-right:1px solid rgba(255,255,255,.12)}.proof:first-child{padding-left:0}.proof:last-child{border:0}.proof strong{display:block;color:#fff}.proof span{font-size:.88rem;color:#91a7b6}
.section{padding:96px 0}.section-head{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:end;margin-bottom:48px}.section-head p{font-size:1.08rem;max-width:650px}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{background:#fff;padding:34px;border-top:3px solid var(--copper);box-shadow:0 8px 30px rgba(7,21,33,.07);text-decoration:none;transition:.2s}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow)}.card .num{font-size:.75rem;letter-spacing:.15em;color:var(--copper);font-weight:800}.card h3{margin:16px 0 12px}.card .link{display:block;margin-top:22px;color:var(--ink);font-weight:800}.dark{background:var(--navy);color:#fff}.dark p{color:#aebfc9}.coverage-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:#2a3c48;border:1px solid #2a3c48;margin-top:48px}.coverage{background:var(--navy);padding:28px;min-height:175px}.coverage span{display:block;color:var(--copper2);font-weight:800;margin-bottom:13px}.coverage p{font-size:.91rem}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.quote-panel{background:#fff;padding:48px;box-shadow:var(--shadow);border-left:5px solid var(--copper)}.quote-panel ul{padding:0;margin:28px 0;list-style:none}.quote-panel li{padding:12px 0;border-bottom:1px solid var(--line);font-weight:650}.quote-panel li:before{content:'—';color:var(--copper);margin-right:12px}.band{background:var(--copper);color:#fff;padding:58px 0}.band-inner{display:flex;justify-content:space-between;gap:40px;align-items:center}.band p{color:#fff;opacity:.9;margin-top:10px}.band .btn{background:var(--navy)}
.page-hero{background:var(--navy);color:#fff;padding:90px 0 80px}.page-hero h1{font-size:clamp(2.7rem,5vw,4.8rem);max-width:870px;margin:14px 0 22px}.page-hero p{color:#c1ced6;font-size:1.15rem;max-width:760px}.two-col{display:grid;grid-template-columns:1.1fr .9fr;gap:70px}.content h2{margin-bottom:22px}.content p+p{margin-top:18px}.checklist{list-style:none;padding:0;margin:28px 0}.checklist li{border-bottom:1px solid var(--line);padding:15px 0;font-weight:700}.checklist li:before{content:'✓';color:var(--copper);margin-right:12px}.aside{background:#fff;padding:36px;box-shadow:var(--shadow);align-self:start}.aside h3{margin-bottom:18px}.aside a:not(.btn){display:block;padding:11px 0;border-bottom:1px solid var(--line);text-decoration:none;font-weight:700}.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:45px}.step{padding:32px;background:#fff;border:1px solid var(--line)}.step b{color:var(--copper);font-size:.8rem;letter-spacing:.12em}.step h3{margin:12px 0}.contact-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:45px}.contact-card{background:var(--navy);color:#fff;padding:42px}.contact-card p,.contact-card a{color:#c4d0d7}.contact-card a{display:block;margin:8px 0}.contact-card h3{margin:25px 0 10px}.form{background:#fff;padding:42px;box-shadow:var(--shadow)}.fields{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:flex;flex-direction:column;gap:7px}.field.full{grid-column:1/-1}label{font-weight:750;font-size:.9rem}input,select,textarea{width:100%;border:1px solid #bfcbd2;background:#fff;padding:13px;font:inherit;color:var(--ink);border-radius:0}textarea{min-height:130px;resize:vertical}.form .btn{margin-top:20px}.small{font-size:.82rem;margin-top:13px}
.site-footer{background:#06111a;color:#fff;padding:58px 0 28px}.footer-grid{display:grid;grid-template-columns:1.4fr .8fr .8fr;gap:50px}.footer-grid p,.footer-grid a{color:#93a6b2}.footer-links a{display:block;text-decoration:none;margin:7px 0}.footer-bottom{border-top:1px solid #253541;margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;gap:20px;color:#758a98;font-size:.82rem}
@media(max-width:850px){.menu-btn{display:block}.nav-links{display:none;position:absolute;top:84px;left:0;right:0;background:var(--navy);padding:22px;flex-direction:column;align-items:stretch}.nav-links.open{display:flex}.nav-links .btn{width:100%}.hero{min-height:620px;background-position:62% center}.hero-copy{width:88%;padding:75px 0}.section-head,.split,.two-col,.contact-grid{grid-template-columns:1fr;gap:38px}.cards,.steps{grid-template-columns:1fr}.coverage-grid{grid-template-columns:1fr 1fr}.band-inner{align-items:flex-start;flex-direction:column}.footer-grid{grid-template-columns:1fr 1fr}.footer-grid>div:first-child{grid-column:1/-1}}
@media(max-width:560px){.wrap{width:min(100% - 28px,1180px)}.nav{height:74px}.nav-links{top:74px}.brand-name{font-size:1.1rem}.hero{min-height:600px;background-position:68% center}.hero-copy{width:100%}.hero h1{font-size:2.85rem}.proofgrid{grid-template-columns:1fr}.proof{padding:13px 0;border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}.coverage-grid,.fields,.footer-grid{grid-template-columns:1fr}.footer-grid>div:first-child{grid-column:auto}.section{padding:72px 0}.quote-panel,.form,.contact-card{padding:30px}.footer-bottom{flex-direction:column}}