:root{--navy:#0b1f3a;--blue:#1f4e8c;--cyan:#117a96;--burg:#7a1f3d;--ink:#1c2a3d;--mut:#5b6b80;--line:#dde4ee;--bg:#f5f7fa;--w:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font:16px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--w)}
img{max-width:100%;display:block}a{color:var(--blue)}h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,4.4vw,3.2rem)}h2{font-size:clamp(1.55rem,2.8vw,2.2rem)}h3{font-size:1.15rem;font-family:inherit;font-weight:650}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}.sec{padding:72px 0}.alt{background:var(--bg)}.eyebrow{font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cyan);font-weight:700}
.lead{font-size:1.12rem;color:var(--mut);max-width:680px}:focus-visible{outline:3px solid var(--cyan);outline-offset:2px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
header.nav{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line)}
.nav .wrap{display:flex;align-items:center;justify-content:space-between;height:70px}.nav img{height:38px;width:auto}
.menu{display:flex;gap:4px;align-items:center;list-style:none;margin:0;padding:0}.menu>li{position:relative}
.menu a,.menu button{font:inherit;font-size:.93rem;font-weight:600;color:var(--navy);text-decoration:none;padding:10px 12px;background:none;border:0;cursor:pointer;display:block;border-radius:4px}
.menu a:hover,.menu button:hover,.menu [aria-current]{color:var(--cyan)}.menu [aria-current]{box-shadow:inset 0 -2px var(--cyan)}
.drop{display:none;position:absolute;left:0;top:100%;min-width:300px;background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);box-shadow:0 12px 30px rgba(11,31,58,.12);padding:6px}
.drop a{font-weight:500;padding:9px 12px}.drop small{display:block;color:var(--mut);font-weight:400}
.has:hover .drop,.has.open .drop,.has:focus-within .drop{display:block}
.btn{display:inline-block;padding:13px 24px;font-weight:650;text-decoration:none;border-radius:3px;border:2px solid var(--navy);background:var(--navy);color:#fff;font-size:.95rem;cursor:pointer;font-family:inherit}
.btn:hover{background:var(--blue);border-color:var(--blue)}.btn.ghost{background:transparent;color:var(--navy)}.btn.ghost:hover{background:var(--navy);color:#fff}
.hero .btn.ghost{color:#fff;border-color:#fff}.hero .btn.ghost:hover{background:#fff;color:var(--navy)}.hero .btn:not(.ghost){background:#fff;color:var(--navy);border-color:#fff}
.burger{display:none}
.hero{background:linear-gradient(rgba(11,31,58,.9),rgba(11,31,58,.86)),var(--bgi) center/cover;color:#fff;padding:92px 0 84px}
.hero h1{color:#fff;max-width:820px}.hero .lead{color:#c9d6e8}.hero .eyebrow{color:#7fd6e8}.acts{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.crumb{font-size:.85rem;color:#9fb3cf;margin-bottom:14px}.crumb a{color:#c9d6e8}
.grid{display:grid;gap:20px}.g3{grid-template-columns:repeat(auto-fit,minmax(290px,1fr))}.g2{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--blue);padding:24px;border-radius:4px}.card p{color:var(--mut);margin:.3em 0 0}
.card ul{margin:10px 0 0;padding-left:18px;color:var(--ink);font-size:.93rem}.card.link{text-decoration:none;color:inherit;display:block;transition:transform .2s,box-shadow .2s}.card.link:hover{transform:translateY(-3px);box-shadow:0 10px 24px rgba(11,31,58,.1)}
.card .more{display:inline-block;margin-top:12px;font-weight:650;color:var(--blue);font-size:.9rem}
.num{font:700 .8rem system-ui;color:var(--burg);letter-spacing:.1em}
.steps{counter-reset:s;display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(250px,1fr))}.steps li{list-style:none;counter-increment:s;background:#fff;border:1px solid var(--line);padding:18px 18px 18px 58px;position:relative;border-radius:4px}
.steps li:before{content:counter(s);position:absolute;left:16px;top:16px;width:30px;height:30px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:700;font-size:.85rem}.steps b{display:block;color:var(--navy)}.steps span{color:var(--mut);font-size:.92rem}
.pill{display:flex;flex-wrap:wrap;gap:10px;padding:0;list-style:none}.pill li{border:1px solid var(--line);background:#fff;padding:8px 14px;border-radius:99px;font-size:.92rem}
.note{border-left:4px solid var(--burg);background:#fbf3f5;padding:16px 20px;font-size:.93rem;margin-top:24px}
details{border-bottom:1px solid var(--line);padding:16px 0}summary{cursor:pointer;font-weight:650;color:var(--navy)}details p{color:var(--mut);margin:.6em 0 0}
.cta{background:var(--navy);color:#fff;text-align:center;padding:72px 0}.cta h2{color:#fff}.cta p{color:#c9d6e8;max-width:620px;margin:0 auto 24px}.cta .btn{background:#fff;color:var(--navy);border-color:#fff}
form.f{display:grid;gap:14px;max-width:720px;margin:0 auto;text-align:left;background:#fff;color:var(--ink);padding:28px;border-radius:4px}.f .r{display:grid;gap:14px;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.f label{font-weight:600;font-size:.88rem;display:block;margin-bottom:4px}.f input,.f select,.f textarea{width:100%;padding:11px;border:1px solid #b8c4d6;border-radius:3px;font:inherit}.f .err{color:var(--burg);font-size:.82rem;min-height:1em}
.f .btn{background:var(--navy);color:#fff;justify-self:start}#fnote{font-size:.9rem;color:var(--mut)}
footer{background:#071529;color:#b4c3da;padding:56px 0 24px;font-size:.92rem}footer h3{color:#fff;font-size:.95rem}footer a{color:#b4c3da;display:block;padding:3px 0;text-decoration:none}footer a:hover{color:#fff}
.fg{display:grid;gap:30px;grid-template-columns:2fr 1fr 1fr 1.4fr}.fb{border-top:1px solid #1d3354;margin-top:34px;padding-top:18px;font-size:.82rem}
.sp{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center}.sp img{border-radius:4px;width:100%;height:340px;object-fit:cover}
@media(max-width:900px){.burger{display:block;background:none;border:1px solid var(--line);padding:8px 12px;font-weight:700;color:var(--navy);border-radius:4px}
.menu{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;flex-direction:column;align-items:stretch;padding:10px 22px 20px;border-bottom:1px solid var(--line);max-height:80vh;overflow:auto}.menu.on{display:flex}
.drop{position:static;display:block;box-shadow:none;border:0;border-left:2px solid var(--line);margin-left:10px;min-width:0}.fg,.sp{grid-template-columns:1fr}.sec{padding:52px 0}.hero{padding:60px 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}