:root{--navy:#0f1f33;--char:#2a2f36;--gold:#b08d4a;--line:#e3e1dc;--mute:#5f6670;--bg:#f7f6f3}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:'Helvetica Neue',Arial,sans-serif;color:var(--char);background:#fff;line-height:1.65;font-size:17px;padding-bottom:56px}
h1,h2,h3{font-family:Georgia,'Times New Roman',serif;font-weight:400;color:var(--navy);letter-spacing:.2px}
h1{font-size:34px;line-height:1.2;color:#fff;margin:.3em 0}h2{font-size:30px;margin:0 0 .6em}h3{font-size:20px;margin:0 0 .4em}
a{color:var(--navy)}img{max-width:100%}
.visually-hidden{position:absolute!important;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.eyebrow{font-size:12px;letter-spacing:3px;text-transform:uppercase;color:var(--gold);margin:0 0 10px}
.rule{width:48px;height:2px;background:var(--gold);border:0;margin:0 0 18px}
.site-header{display:flex;justify-content:space-between;align-items:center;padding:16px 22px;background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}
.brand{text-decoration:none}.brand-name{display:block;font-family:Georgia,serif;font-size:20px;color:var(--navy)}.brand-tag{display:block;font-size:11px;letter-spacing:2px;text-transform:uppercase;color:var(--mute)}
.btn{display:inline-block;background:var(--navy);color:#fff;padding:13px 22px;text-decoration:none;font-size:14px;letter-spacing:1px;text-transform:uppercase;border:1px solid var(--navy);cursor:pointer;font-family:inherit}
.btn-gold{background:var(--gold);border-color:var(--gold);color:#fff}.btn-outline{background:transparent;color:#fff;border-color:#ffffff88}
.btn:focus-visible,a:focus-visible,input:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
section{padding:60px 22px}.w{max-width:1080px;margin:auto}
.hero{background:var(--navy);color:#d7dde5;padding:0}.hero .w{display:grid}.hero-text{padding:48px 22px}
.hero-photo{overflow:hidden;max-height:460px}.hero-photo img{display:block;width:100%;height:100%;object-fit:cover;object-position:center 20%}
.cta-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}
.bg{background:var(--bg)}.grid{display:grid;border-top:1px solid var(--line)}
.cell{padding:24px 0;border-bottom:1px solid var(--line)}.cell p{margin:0;color:var(--mute)}
.table-wrap{overflow-x:auto}table{width:100%;border-collapse:collapse;font-size:15px;margin:10px 0 20px}td,th{border-bottom:1px solid var(--line);padding:12px 8px;text-align:left;vertical-align:top}th{font-family:Georgia,serif;font-weight:400;color:var(--navy);border-bottom:2px solid var(--navy)}
.note{font-size:13px;color:var(--mute)}
.carrier-grid{display:grid;gap:20px;margin:20px 0}.carrier{border:1px solid var(--line);padding:28px;background:#fff}.carrier h3{font-size:24px}
details{border-bottom:1px solid var(--line);padding:16px 0}summary{font-family:Georgia,serif;font-size:19px;color:var(--navy);cursor:pointer}
.calc-grid{display:grid;gap:14px}.calc-grid label{display:block;font-size:13px;letter-spacing:1px;text-transform:uppercase;color:var(--mute);margin-bottom:4px}.calc-grid input{width:100%;padding:12px;font-size:17px;border:1px solid var(--line);background:#fff}
.calc-result{border-left:3px solid var(--gold);background:var(--bg);padding:20px;font-size:18px;margin-top:16px}
.dark{background:var(--navy);color:#d7dde5}.dark h2{color:#fff}.dark a{color:#d9c08a}
.embed-grid{display:grid;gap:24px}.embed-grid iframe{display:block;background:#fff}
.site-footer{background:#0a1626;color:#9aa6b4;font-size:13px;padding:36px 22px}.site-footer a{color:#d9c08a}.footer-name{font-family:Georgia,serif;color:#fff;font-size:16px}
.legal-wrap{max-width:820px}
.sticky-bar{position:fixed;bottom:0;left:0;right:0;display:flex;background:var(--navy);z-index:30}.sticky-bar .btn{flex:1;text-align:center;border:0}
@media(min-width:820px){body{padding-bottom:0}h1{font-size:48px}.hero .w{grid-template-columns:1.25fr 1fr}.hero-text{padding:90px 40px 90px 0}.hero-photo{max-height:600px}
.g2{grid-template-columns:1fr 1fr;column-gap:48px}.g3{grid-template-columns:repeat(3,1fr);column-gap:40px}.calc-grid,.carrier-grid,.embed-grid{grid-template-columns:1fr 1fr}.sticky-bar{display:none}}

/* NBG logo + navy header */
.site-header{background:var(--navy);border-bottom:1px solid #ffffff1f}.site-header .brand-name{color:#fff}.site-header .brand-tag{color:#c9b27f}
.site-header .btn{background:var(--gold);border-color:var(--gold)}
.head-left{display:flex;align-items:center;gap:14px}.nbg-logo img{display:block;width:46px;height:46px}
.nbg-logo-foot{display:block;width:64px;height:64px;margin-bottom:6px}
@media(min-width:820px){.nbg-logo img{width:56px;height:56px}}
@media(max-width:420px){.brand-tag{display:none}}