:root{--navy:#0A1B33;--navy2:#163763;--blue:#0D6FB8;--blue-h:#0061AB;--ink:#0A1B33;--body:#3D4654;--mute:#666666;--line:#E9E9E9;--grey:#F5F6F8;--white:#FFFFFF;--max:1200px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--body);font-family:Avenir,"Avenir Next",ui-sans-serif,system-ui,-apple-system,"Segoe UI","Helvetica Neue",Arial,sans-serif;font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
header.site{position:sticky;top:0;z-index:20;background:var(--navy)}
header.site .wrap{display:flex;align-items:center;gap:28px;height:64px}
.logo{display:flex;align-items:center}.logo svg{height:44px;width:auto;display:block}
nav.main{display:flex;gap:24px;flex-wrap:nowrap;flex:1;justify-content:center}
nav.main a{color:rgba(255,255,255,.85);font-size:12px;font-weight:600;text-transform:uppercase;letter-spacing:.06em}
nav.main a.on,nav.main a:hover{color:#fff;text-decoration:none}
.pill{display:inline-block;padding:9px 18px;border-radius:999px;background:#fff;color:var(--blue);border:1px solid var(--blue);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.78px}
.pill:hover{text-decoration:none;background:var(--grey)}
.btn{display:inline-block;padding:13px 24px;border-radius:6px;background:var(--blue);color:#fff;border:1px solid var(--blue);font-weight:700;font-size:15px;cursor:pointer;font-family:inherit}
.btn:hover{text-decoration:none;background:var(--blue-h)}
.btn.ghost{background:transparent;color:var(--blue)}.btn.ghost:hover{background:rgba(13,111,184,.06)}
.dark .btn.ghost,.cta-band .btn.ghost{color:#fff;border-color:rgba(255,255,255,.6)}
.menu-toggle{display:none;background:none;border:1px solid rgba(255,255,255,.4);color:#fff;border-radius:6px;padding:6px 10px;font-size:18px}
.hero{padding:120px 0 100px;background:linear-gradient(180deg,#FAFAFA 0%,#F5F6F8 100%);border-bottom:1px solid var(--line)}
.eyebrow{text-transform:uppercase;letter-spacing:1.1px;font-size:11px;font-weight:700;color:var(--blue)}
.dark .eyebrow,.cta-band .eyebrow{color:rgba(255,255,255,.45)}
h1{font-size:clamp(40px,6.4vw,88px);line-height:1.02;font-weight:900;color:var(--ink);letter-spacing:-.02em;margin:14px 0 24px;max-width:960px}
.sub{font-size:clamp(20px,2.4vw,28px);font-weight:800;color:var(--ink);line-height:1.25;margin:0 0 20px;max-width:760px}
h2{font-size:clamp(30px,4vw,48px);line-height:1.1;font-weight:800;color:var(--ink);letter-spacing:-.01em;margin:10px 0 16px}
h3{font-size:19px;font-weight:800;color:var(--ink);margin:0 0 8px}
.lead{font-size:18px;color:var(--body);max-width:780px}
.ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
section{padding:88px 0}section.alt{background:var(--grey)}
section.dark,.cta-band{background:var(--navy);color:rgba(255,255,255,.75)}
.dark h2,.dark h3,.cta-band h2{color:#fff}.dark .lead,.cta-band .lead{color:rgba(255,255,255,.75)}
.dark .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.12)}.dark .card p,.dark .card ul{color:rgba(255,255,255,.7)}
.dark blockquote{color:#fff}
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));margin-top:32px}
.card{background:#fff;border:1px solid var(--line);border-radius:10px;padding:26px;box-shadow:0 1px 2px rgba(10,27,51,.04)}
.card p{color:var(--body);margin:0}.card ul{color:var(--body);margin:8px 0 0;padding-left:18px}
.num{font-size:44px;font-weight:900;color:var(--blue);letter-spacing:-.02em;line-height:1}
.tag{display:inline-block;font-size:11px;font-weight:700;text-transform:uppercase;letter-spacing:.06em;color:var(--blue);background:rgba(13,111,184,.08);padding:4px 10px;border-radius:999px;margin-bottom:12px}
blockquote{font-size:clamp(22px,2.6vw,30px);font-weight:800;color:var(--ink);border-left:4px solid var(--blue);margin:28px 0;padding:4px 0 4px 22px;line-height:1.3}
.two{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}
.steps{counter-reset:s}.steps .card{position:relative;padding-top:56px}
.steps .card::before{counter-increment:s;content:"0" counter(s);position:absolute;top:22px;left:26px;font-weight:900;color:var(--blue)}
details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:18px 22px;margin:12px 0}
summary{font-weight:800;color:var(--ink);cursor:pointer}details p{margin:12px 0 0}
.cta-band{text-align:center;padding:100px 0;background:radial-gradient(100% 140% at 50% 0%,#163763,#0A1B33 60%)}
.cta-band .lead{margin:0 auto}.cta-band .ctas{justify-content:center}
.check{list-style:none;padding:0;margin:22px auto 0;max-width:580px;text-align:left}.check li{padding:6px 0 6px 30px;position:relative;color:rgba(255,255,255,.85)}
.check li::before{content:"✓";position:absolute;left:0;color:#fff;font-weight:900}
table{width:100%;border-collapse:collapse;margin-top:28px;font-size:15px;background:#fff;border-radius:10px;overflow:hidden}
th,td{text-align:left;padding:14px 14px;border-bottom:1px solid var(--line)}th{color:#fff;background:var(--navy);font-weight:700;font-size:12px;text-transform:uppercase;letter-spacing:.06em}
td.res{color:var(--blue);font-weight:800;white-space:nowrap}
.person .av{width:64px;height:64px;border-radius:50%;background:var(--navy);display:grid;place-items:center;font-weight:800;color:#fff;font-size:22px;margin-bottom:14px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
label{display:block;font-size:13px;font-weight:600;color:var(--ink);margin:14px 0 6px}
input,select,textarea{width:100%;padding:12px 14px;border-radius:6px;border:1px solid #D0D0D0;background:#fff;color:var(--ink);font:inherit}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue)}
textarea{min-height:130px}
footer.site{background:var(--navy);padding:60px 0 40px;color:rgba(255,255,255,.6);font-size:14px}
footer.site .cols{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px}
footer.site h4{color:#fff;font-size:11px;text-transform:uppercase;letter-spacing:1.1px;margin:0 0 12px}
footer.site a{color:rgba(255,255,255,.7);display:block;margin:6px 0}footer.site a:hover{color:#fff}
footer.site .logo svg{height:56px}
.fine{margin-top:40px;padding-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:13px}
#consent{position:fixed;left:0;right:0;bottom:0;z-index:50;background:var(--navy);color:rgba(255,255,255,.8);padding:20px 0;box-shadow:0 -6px 24px rgba(0,0,0,.25);display:none}
#consent .wrap{display:flex;gap:24px;align-items:center;justify-content:space-between;flex-wrap:wrap}
#consent strong{color:#fff;display:block;margin-bottom:4px}#consent p{margin:0;font-size:14px;max-width:760px}#consent a{color:#fff;text-decoration:underline}
#consent .acts{display:flex;gap:10px}
@media (max-width:960px){.two,footer.site .cols,form .row{grid-template-columns:1fr}
 .menu-toggle{display:block;margin-left:auto}nav.main{display:none;position:absolute;top:64px;left:0;right:0;background:var(--navy);flex-direction:column;padding:16px 24px}
 nav.main.open{display:flex}header.site .pill{display:none}.hero{padding:72px 0 60px}section{padding:60px 0}
 table,thead,tbody,tr,td,th{display:block}thead{display:none}tr{border-bottom:1px solid var(--line);padding:10px 14px}td{border:0;padding:4px 0}}