:root{--brand-primary:#005EB8;--brand-primary-dark:#003E7E;--brand-primary-light:#D7E7F6;--brand-secondary:#FFFFFF;--brand-accent:#75D6E8;--brand-text:#1A202C;--brand-text-secondary:#4D5C73;--brand-text-inverse:#FFFFFF;--brand-bg:#FFFFFF;--brand-bg-alt:#EEF4FB;--brand-border:#E2E8F0;--brand-success:#22C55E;--brand-warning:#F59E0B;--brand-danger:#EF4444;--brand-radius:8px}*{box-sizing:border-box}body{margin:0;color:#1a202c;color:var(--brand-text);background:#fff;background:var(--brand-bg);font-family:Arial,Helvetica,sans-serif;line-height:1.6}a{color:#005eb8;color:var(--brand-primary);-webkit-text-decoration:none;text-decoration:none}a:hover{color:#003e7e;color:var(--brand-primary-dark)}img{max-width:100%;display:block}.section{padding:88px 0}.eyebrow{display:inline-block;color:#005eb8;color:var(--brand-primary);font-weight:700;text-transform:uppercase;font-size:.78rem;letter-spacing:0;margin-bottom:12px}.section-heading{max-width:760px;margin-bottom:34px}.section-heading.narrow{max-width:680px;margin-left:auto;margin-right:auto;text-align:center}.section-heading h2,h1,h2,h3{letter-spacing:0;color:#1a202c;color:var(--brand-text)}.home-hero h1,.section-heading h2,.sub-hero h1{font-weight:800}.btn.phil-btn-primary,.phil-btn-primary{background:#005eb8;background:var(--brand-primary);border-color:#005eb8;border-color:var(--brand-primary);color:#fff;color:var(--brand-text-inverse)}.btn.phil-btn-primary:hover,.phil-btn-primary:hover{background:#003e7e;background:var(--brand-primary-dark);border-color:#003e7e;border-color:var(--brand-primary-dark);color:#fff;color:var(--brand-text-inverse)}.phil-btn-outline{border:1px solid #005eb8;border:1px solid var(--brand-primary);color:#005eb8;color:var(--brand-primary);background:0 0}.phil-btn-outline:hover{background:#005eb8;background:var(--brand-primary);color:#fff;color:var(--brand-text-inverse)}.phil-header-centered{background:#fff;background:var(--brand-bg);border-bottom:1px solid #e2e8f0;border-bottom:1px solid var(--brand-border);position:relative;z-index:5}.brand-logo{width:220px;height:60px;-o-object-fit:contain;object-fit:contain;margin:0 auto;background:linear-gradient(135deg,#d7e7f6,#fff);background:linear-gradient(135deg,var(--brand-primary-light),var(--brand-bg));border:1px solid #e2e8f0;border:1px solid var(--brand-border);border-radius:8px;border-radius:var(--brand-radius)}.phil-navbar-sub{padding:0}.phil-navbar-sub .nav-link{color:#1a202c;color:var(--brand-text);font-weight:700;padding:16px 14px}.phil-navbar-sub .nav-link:hover{color:#005eb8;color:var(--brand-primary)}.phil-nav-cta{background:#005eb8;background:var(--brand-primary);color:#fff;color:var(--brand-text-inverse);border-radius:999px;padding:8px 16px}.phil-nav-cta:hover{background:#003e7e;background:var(--brand-primary-dark);color:#fff;color:var(--brand-text-inverse)}.phil-footer-cta{background:#005eb8;background:var(--brand-primary);color:#fff;color:var(--brand-text-inverse);padding:42px 0}.phil-footer-cta h2,.phil-footer-cta p{color:#fff;color:var(--brand-text-inverse);margin-bottom:6px}.phil-footer-main{background:#0b1b2b;color:rgba(255,255,255,.78);padding:56px 0 24px}.phil-footer-main h3,.phil-footer-main h4{color:#fff;color:var(--brand-text-inverse)}.phil-cert-row,.phil-footer-bottom,.phil-footer-brand-row{display:flex;align-items:center;justify-content:space-between;gap:20px;flex-wrap:wrap}.phil-socials{display:flex;gap:10px}.phil-cert-row span,.phil-socials a{color:#fff;color:var(--brand-text-inverse);border:1px solid rgba(255,255,255,.25);border-radius:999px;padding:6px 11px;text-transform:uppercase;font-size:.82rem}.phil-footer-links{margin-top:34px}.phil-footer-links a{display:block;color:rgba(255,255,255,.76);margin:8px 0}.phil-footer-links a:hover{color:#fff;color:var(--brand-text-inverse)}.phil-cert-row{border-top:1px solid rgba(255,255,255,.14);border-bottom:1px solid rgba(255,255,255,.14);margin-top:30px;padding:18px 0;justify-content:flex-start}.phil-footer-bottom{margin-top:20px;font-size:.9rem;color:rgba(255,255,255,.66)}.form-shell{background:#fff;background:var(--brand-bg);border:1px solid #e2e8f0;border:1px solid var(--brand-border);border-radius:8px;border-radius:var(--brand-radius);padding:24px;box-shadow:0 18px 45px rgba(0,62,126,.12)}.sub-hero{position:relative;min-height:430px;display:flex;align-items:center;overflow:hidden;background:#003e7e;background:var(--brand-primary-dark);color:#fff;color:var(--brand-text-inverse)}.before-after-grid,.sub-hero>img{position:absolute;top:0;right:0;bottom:0;left:0;width:100%;height:100%;-o-object-fit:cover;object-fit:cover;opacity:.36}.sub-hero .container{position:relative;z-index:1;max-width:920px}.sub-hero h1,.sub-hero p{color:#fff;color:var(--brand-text-inverse)}.sub-hero h1{font-size:max(2.2rem, min(5vw, 4.5rem))}.split-form-cta{background:#eef4fb;background:var(--brand-bg-alt)}.cta-solid,.gradient-cta,.standard-cta{background:linear-gradient(135deg,#005eb8,#003e7e);background:linear-gradient(135deg,var(--brand-primary),var(--brand-primary-dark));color:#fff;color:var(--brand-text-inverse);text-align:center;padding:86px 0}.cta-solid h2,.cta-solid p,.gradient-cta h2,.gradient-cta p,.standard-cta h2,.standard-cta p{color:#fff;color:var(--brand-text-inverse)}@media (max-width:991px){.section{padding:64px 0}.phil-navbar-sub{padding:8px 0}.phil-navbar-sub .nav-link{padding:10px 0}}