:root{--blue:#1a56db;--blue-dark:#1446b4;--navy:#0f1f3d;--ink:#1f2937;--muted:#4b5563;--line:#e5e7eb;--soft:#f3f6fc;--soft2:#e8effd;--white:#fff;--radius:14px;--max:1180px}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Source Sans 3",system-ui,-apple-system,"Segoe UI",Arial,sans-serif;font-size:18px;line-height:1.65;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--blue-dark)}
h1,h2,h3,h4{font-family:Montserrat,"Helvetica Neue",Arial,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,4.6vw,3.2rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.2rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1.1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;z-index:100;background:#fff;padding:8px 12px}

/* Top bar + header */
.topbar{background:var(--navy);color:#cbd5e1;font-size:15px}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:12px;padding-top:7px;padding-bottom:7px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-header .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:78px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy)}
.brand img{width:52px;height:52px}
.brand-text{display:flex;flex-direction:column;line-height:1.1;font-family:Montserrat,Arial,sans-serif}
.brand-text strong{font-size:1.15rem;font-weight:800;letter-spacing:.5px;color:var(--blue)}
.brand-text span{font-size:.72rem;font-weight:700;letter-spacing:1.2px;color:var(--navy);text-transform:uppercase}
.nav{display:flex;align-items:center;gap:4px}
.nav>ul{list-style:none;margin:0;padding:0;display:flex;align-items:center;gap:2px}
.nav-item{position:relative}
.nav-link{display:flex;align-items:center;gap:6px;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--navy);font-weight:600;font-size:16px;background:none;border:0;cursor:pointer;font-family:inherit}
.nav-link:hover,.nav-link:focus-visible{background:var(--soft);color:var(--blue)}
.nav-link svg{width:12px;height:12px}
.dropdown{position:absolute;top:100%;left:0;padding-top:10px;display:none;min-width:270px;z-index:60}
.dropdown ul{list-style:none;margin:0;padding:8px;background:#fff;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 40px rgba(15,31,61,.14)}
.dropdown a{display:block;padding:10px 12px;border-radius:8px;text-decoration:none;color:var(--ink);font-weight:600;font-size:16px}
.dropdown a:hover{background:var(--soft);color:var(--blue)}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{display:block}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;padding:14px 24px;border-radius:999px;font-weight:700;text-decoration:none;font-family:Montserrat,Arial,sans-serif;font-size:16px;min-height:48px;border:2px solid transparent;transition:background .15s,color .15s}
.btn svg{width:18px;height:18px;flex:none}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-dark);color:#fff}
.btn-light{background:#fff;color:var(--blue)}.btn-light:hover{background:var(--soft2);color:var(--blue-dark)}
.btn-ghost{border-color:#fff;color:#fff}.btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-outline{border-color:var(--blue);color:var(--blue)}.btn-outline:hover{background:var(--soft)}
.header-cta{margin-left:10px}
.menu-toggle{display:none;background:none;border:0;padding:10px;border-radius:8px;cursor:pointer;color:var(--navy)}
.menu-toggle svg{width:28px;height:28px}

/* Hero */
.hero{position:relative;color:#fff;background:var(--navy)}
.hero-img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(10,22,45,.9) 0%,rgba(10,22,45,.72) 48%,rgba(10,22,45,.25) 100%)}
.hero .wrap{position:relative;z-index:1;padding-top:88px;padding-bottom:88px}
.hero-inner{max-width:660px}
.eyebrow{display:inline-block;font-family:Montserrat,Arial,sans-serif;font-weight:700;font-size:13px;letter-spacing:1.6px;text-transform:uppercase;color:#bfd3ff;margin-bottom:14px}
.hero h1{color:#fff}
.hero p.lead{font-size:1.2rem;color:#e5ecf8;max-width:600px}
.hero-ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
.hero-points{display:flex;flex-wrap:wrap;gap:10px 22px;margin:26px 0 0;padding:0;list-style:none;color:#e5ecf8;font-weight:600;font-size:16px}
.hero-points li{display:flex;align-items:center;gap:8px}
.hero-points svg{width:18px;height:18px;color:#93b4ff}
.page-hero .wrap{padding-top:64px;padding-bottom:64px}

/* Sections */
section{padding:72px 0}
.alt{background:var(--soft)}
.section-head{max-width:760px;margin-bottom:34px}
.section-head p{color:var(--muted);font-size:1.1rem}
.split{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center}
.split.reverse .split-media{order:-1}
.split-media img{border-radius:var(--radius);box-shadow:0 18px 44px rgba(15,31,61,.16);width:100%;aspect-ratio:4/3;object-fit:cover}
.prose{max-width:780px}
.prose h2{margin-top:1.4em}
.prose h3{margin-top:1.3em}
.prose ul{padding-left:1.2em;margin:0 0 1.1em}
.prose li{margin-bottom:.45em}

/* Cards */
.cards{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px}
.cards.three{grid-template-columns:repeat(3,minmax(0,1fr))}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;text-decoration:none;color:var(--ink);transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-3px);box-shadow:0 16px 36px rgba(15,31,61,.13);color:var(--ink)}
.card img{width:100%;aspect-ratio:4/3;object-fit:cover}
.card-body{padding:20px 20px 22px;display:flex;flex-direction:column;flex:1}
.card-body h3{margin-bottom:.4em}
.card-body p{color:var(--muted);font-size:16px;margin-bottom:14px}
.card-link{margin-top:auto;font-weight:700;color:var(--blue);font-family:Montserrat,Arial,sans-serif;font-size:15px}
.icon-cards .card{padding:26px}
.icon-badge{width:50px;height:50px;border-radius:12px;background:var(--soft2);color:var(--blue);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.icon-badge svg{width:26px;height:26px}
.icon-cards p{color:var(--muted);font-size:16px;margin:0}

/* Steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:22px;counter-reset:s}
.steps li{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:24px;counter-increment:s;position:relative}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:40px;height:40px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-family:Montserrat,Arial,sans-serif;margin-bottom:12px}
.steps p{color:var(--muted);font-size:16px;margin:0}

/* Table */
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius);background:#fff}
table{width:100%;border-collapse:collapse;min-width:560px;font-size:16px}
th,td{padding:14px 18px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-family:Montserrat,Arial,sans-serif;font-size:14px;letter-spacing:.4px}
tr:last-child td{border-bottom:0}
td:nth-child(2){font-weight:700;color:var(--navy);white-space:nowrap}
.note{font-size:15px;color:var(--muted);margin-top:12px}

/* Areas chips */
.chips{display:flex;flex-wrap:wrap;gap:12px;list-style:none;padding:0;margin:0}
.chips a{display:inline-flex;align-items:center;gap:8px;padding:12px 18px;border-radius:999px;background:#fff;border:1px solid var(--line);text-decoration:none;font-weight:700;color:var(--navy)}
.chips a:hover{border-color:var(--blue);color:var(--blue)}
.chips svg{width:16px;height:16px;color:var(--blue)}

/* FAQ */
.faq{max-width:860px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin-bottom:12px}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;font-family:Montserrat,Arial,sans-serif;color:var(--navy);font-size:17px;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--blue);font-size:22px;line-height:1}
.faq details[open] summary::after{content:"\2212"}
.faq details p{padding:0 22px 18px;margin:0;color:var(--muted)}

/* CTA band */
.cta-band{background:var(--blue);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#dbe6ff;max-width:640px;margin:0 auto 24px;font-size:1.1rem}
.cta-band .hero-ctas{justify-content:center}

/* Contact */
.contact-box{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.contact-card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px}
.contact-card .big{font-family:Montserrat,Arial,sans-serif;font-size:1.6rem;font-weight:800;color:var(--navy);text-decoration:none}
.disclosure{font-size:15px;color:var(--muted);background:#fff;border-left:4px solid var(--blue);padding:16px 20px;border-radius:8px}

/* Breadcrumb */
.crumbs{font-size:14px;color:#cbd5e1;margin-bottom:12px}
.crumbs a{color:#fff;text-decoration:none}
.crumbs span{margin:0 6px}

/* Footer */
.site-footer{background:var(--navy);color:#cbd5e1;padding:56px 0 110px;font-size:16px}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.site-footer h3{color:#fff;font-size:1rem;letter-spacing:.5px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.site-footer a{color:#e5ecf8;text-decoration:none}.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-brand img{width:84px;height:84px;margin-bottom:14px}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;font-size:14px;color:#94a3b8}

/* Mobile call bar */
.callbar{display:none;position:fixed;left:0;right:0;bottom:0;z-index:70;background:#fff;border-top:1px solid var(--line);padding:10px 14px;box-shadow:0 -6px 20px rgba(15,31,61,.12)}
.callbar .btn{width:100%}

@media (max-width:1060px){.cards{grid-template-columns:repeat(2,minmax(0,1fr))}.steps{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media (max-width:920px){
.menu-toggle{display:block}
.header-cta{display:none}
.nav{position:fixed;top:0;right:0;bottom:0;width:min(86vw,360px);background:#fff;flex-direction:column;align-items:stretch;padding:84px 16px 24px;transform:translateX(100%);visibility:hidden;transition:transform .2s,visibility .2s;box-shadow:-10px 0 30px rgba(15,31,61,.18);overflow-y:auto;z-index:80}
.nav.open{transform:none;visibility:visible}
.nav>ul{flex-direction:column;align-items:stretch}
.nav-link{width:100%;justify-content:space-between;font-size:18px;padding:14px 12px}
.dropdown{position:static;display:none;padding-top:0;min-width:0}
.dropdown ul{border:0;box-shadow:none;padding:0 0 6px 12px}
.nav-item:hover .dropdown,.nav-item:focus-within .dropdown{display:none}
.nav-item.open .dropdown{display:block}
.nav-close{position:absolute;top:18px;right:16px}
.nav .btn{margin-top:16px}
.split,.contact-box{grid-template-columns:1fr;gap:28px}
.split.reverse .split-media{order:0}
.cards.three{grid-template-columns:1fr}
.footer-grid{grid-template-columns:1fr 1fr}
.callbar{display:block}
.topbar .hide-sm{display:none}
}
@media (min-width:921px){.nav-close,.nav .mobile-only{display:none}}
@media (max-width:600px){
body{font-size:17px}
section{padding:54px 0}
.cards,.steps{grid-template-columns:1fr}
.hero .wrap{padding-top:56px;padding-bottom:60px}
.hero::after{background:rgba(10,22,45,.78)}
.hero-ctas .btn{width:100%}
.footer-grid{grid-template-columns:1fr}
.brand img{width:44px;height:44px}
.brand-text strong{font-size:1rem}
.brand-text span{font-size:.62rem}
}