:root{--navy:#0b1b33;--navy2:#12284a;--ink:#14202e;--body:#3d4a5c;--mute:#6b7788;--line:#dfe4ea;--bg:#ffffff;--alt:#f4f6f9;--accent:#1f6fd1;--accent2:#5fa8ff;--silver:#c9d1dc;--r:14px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:ui-sans-serif,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;color:var(--body);background:var(--bg);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,4.6vw,3.6rem);font-weight:750}
h2,.h2{font-size:clamp(1.6rem,3vw,2.3rem);font-weight:720}
h3{font-size:1.15rem;font-weight:680}
p{margin:0 0 1em}a{color:var(--accent)}
img{max-width:100%;height:auto}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:#fff;padding:8px 12px;z-index:99}.skip:focus{left:8px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:700;color:var(--accent);margin-bottom:.9em}
.lede{font-size:1.18rem;max-width:760px}
.btn{display:inline-block;background:var(--accent);color:#fff;text-decoration:none;font-weight:650;padding:.75em 1.25em;border-radius:999px;border:2px solid var(--accent);transition:.15s;white-space:nowrap}
.btn:hover{background:#185bb0;border-color:#185bb0}
.btn-sm{padding:.45em 1em;font-size:.92rem}.btn-lg{padding:.9em 1.6em;font-size:1.02rem}
.btn-ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:#fff}
.link{font-weight:650;text-decoration:none}.link:hover{text-decoration:underline}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.hdr-in{display:flex;align-items:center;justify-content:space-between;height:78px}
.brand img{display:block;height:52px;width:auto}
.nav{display:flex;align-items:center;gap:26px}
.nav a:not(.btn){color:var(--ink);text-decoration:none;font-weight:560;font-size:.96rem}
.nav a:not(.btn):hover,.nav a[aria-current]{color:var(--accent)}
.menu{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu span{display:block;width:24px;height:2px;background:var(--ink);margin:5px 0;transition:.2s}
@media (max-width:980px){
 .menu{display:block}
 .nav{position:absolute;top:78px;left:0;right:0;flex-direction:column;align-items:stretch;gap:0;background:#fff;border-bottom:1px solid var(--line);padding:8px 24px 20px;display:none}
 .nav.open{display:flex}
 .nav a:not(.btn){padding:12px 0;border-bottom:1px solid var(--line)}
 .nav .btn{margin-top:14px;text-align:center}
}
/* hero */
.hero{background:radial-gradient(1200px 600px at 85% -10%,#1d4a8a 0%,transparent 60%),linear-gradient(160deg,var(--navy) 0%,#081426 100%);color:#d6deea;padding:96px 0 88px}
.hero h1{color:#fff;max-width:900px}.hero h1 span{color:var(--accent2)}
.hero .eyebrow{color:var(--accent2)}
.hero .lede{color:#c3cedd}
.hero-actions{display:flex;gap:14px;flex-wrap:wrap;margin:30px 0 40px}
.chips{list-style:none;display:flex;flex-wrap:wrap;gap:8px;padding:0;margin:0}
.chips li{border:1px solid rgba(255,255,255,.22);color:#e6edf6;border-radius:999px;padding:.3em .85em;font-size:.86rem;font-weight:560}
.chips li.muted{opacity:.7}
.chips-dark li{border-color:var(--line);color:var(--ink);background:#fff}
.phero{background:linear-gradient(160deg,var(--navy) 0%,#081426 100%);color:#c3cedd;padding:80px 0 64px}
.phero h1{color:#fff;max-width:880px}.phero .eyebrow{color:var(--accent2)}.phero .lede{color:#c3cedd}.phero .link{color:var(--accent2)}
/* sections */
.sec{padding:88px 0}.sec-alt{background:var(--alt)}
.sec-dark{background:var(--navy);color:#c3cedd}.sec-dark h2,.sec-dark h3{color:#fff}.sec-dark .eyebrow{color:var(--accent2)}
.cards3,.cards4,.cards2{display:grid;gap:22px;margin-top:36px}
.cards3{grid-template-columns:repeat(3,1fr)}.cards4{grid-template-columns:repeat(4,1fr)}.cards2{grid-template-columns:repeat(2,1fr)}
.card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:30px;text-decoration:none;color:var(--body);transition:.18s}
a.card:hover{border-color:var(--accent);box-shadow:0 12px 30px -16px rgba(11,27,51,.35);transform:translateY(-2px)}
.card .num{font-weight:750;color:var(--accent);font-size:.9rem;letter-spacing:.08em;margin-bottom:14px}
.card p{flex:1}
.card .meta{font-size:.85rem;color:var(--mute);margin-bottom:10px}
.card .more{font-weight:650;color:var(--accent)}
.card-hl{border-color:var(--navy2);box-shadow:inset 0 3px 0 var(--accent)}
.plain>div{border-top:2px solid rgba(255,255,255,.18);padding-top:22px}
.steps{list-style:none;counter-reset:s;padding:0;margin:36px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px}
.steps li::before{content:"0" counter(s);display:block;font-weight:750;color:var(--accent);margin-bottom:10px;letter-spacing:.08em;font-size:.9rem}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.fwlist{margin:0;display:grid;gap:0;border-top:1px solid var(--line)}
.fwlist div{padding:16px 0;border-bottom:1px solid var(--line);display:grid;grid-template-columns:170px 1fr;gap:16px}
.fwlist dt{font-weight:700;color:var(--ink)}.fwlist dd{margin:0}
.checks{list-style:none;padding:0;margin:0}
.checks li{position:relative;padding:0 0 18px 34px}
.checks li::before{content:"";position:absolute;left:0;top:.35em;width:20px;height:20px;border-radius:50%;background:var(--accent) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5.5 10.5l3 3 6-7' fill='none' stroke='white' stroke-width='2.2' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/100% no-repeat}
.checks strong{color:var(--ink)}
.checks.tight li{padding-bottom:12px}
.panel{background:var(--alt);border:1px solid var(--line);border-radius:var(--r);padding:32px}
.panel h3:not(:first-child){margin-top:1.4em}
.note{margin-top:28px;color:var(--mute)}
.pressure{list-style:none;padding:0;margin:30px 0 0;display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.pressure li{background:#fff;border-left:3px solid var(--accent);padding:18px 22px;border-radius:6px}
.pressure strong{color:var(--ink)}
/* cta */
.cta{background:linear-gradient(120deg,#123a70,var(--navy));color:#c3cedd;padding:64px 0}
.cta-in{display:flex;align-items:center;justify-content:space-between;gap:32px}
.cta h2{color:#fff;margin-bottom:.3em}.cta p{margin:0}
/* footer */
.ftr{background:#081426;color:#94a3b8;padding:56px 0 24px;font-size:.93rem}
.ftr-in{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.ftr-logo{height:46px;width:auto;filter:brightness(0) invert(1);opacity:.9}
.tag{letter-spacing:.2em;text-transform:uppercase;font-size:.75rem;margin-top:10px;color:#7c8ba1}
.ftr-cols{display:flex;gap:64px;flex-wrap:wrap}
.ftr h4{color:#fff;font-size:.8rem;text-transform:uppercase;letter-spacing:.12em;margin-bottom:12px}
.ftr-cols a{display:block;color:#c3cedd;text-decoration:none;padding:3px 0}.ftr-cols a:hover{color:#fff}
.legal{border-top:1px solid rgba(255,255,255,.08);margin-top:40px;padding-top:20px;font-size:.84rem}
@media (max-width:980px){.cards3,.cards4,.steps{grid-template-columns:1fr 1fr}.split{grid-template-columns:1fr;gap:36px}}
@media (max-width:640px){body{font-size:16px}.wrap{padding:0 16px}.cards3,.cards4,.cards2,.steps,.pressure{grid-template-columns:1fr}.sec{padding:64px 0}.hero{padding:64px 0}.fwlist div{grid-template-columns:1fr;gap:4px}.cta-in{flex-direction:column;align-items:flex-start}.btn-lg{white-space:normal}.brand img{height:44px}}
@media (prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}