:root{--navy:#0f1f3d;--navy-2:#1b3263;--ink:#1f2933;--char:#3e4a59;--muted:#64707f;--line:#e3e7ee;--bg:#fff;--soft:#f5f7fa;--accent:#2f6fde;--radius:12px}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
a{color:var(--accent);text-underline-offset:3px}
a:focus-visible,.btn:focus-visible{outline:3px solid var(--accent);outline-offset:3px;border-radius:4px}
h1,h2,h3{color:var(--navy);line-height:1.2;letter-spacing:-.01em;margin:0 0 .6em}
h1{font-size:clamp(2.1rem,5vw,3.3rem);font-weight:700}
h2{font-size:clamp(1.45rem,3vw,1.9rem)}
h3{font-size:1.15rem}
.wrap{max-width:1080px;margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 14px;border-radius:6px;z-index:10}
.skip:focus{left:8px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.site-header{border-bottom:1px solid var(--line);background:#fff}
.bar{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:10px 24px;padding-top:16px;padding-bottom:16px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;font-size:1.1rem;color:var(--navy);text-decoration:none}
.mark{width:22px;height:22px;border:3px solid var(--navy);border-radius:5px;position:relative}
.mark::after{content:"";position:absolute;inset:4px;background:var(--accent);border-radius:2px}
nav ul{list-style:none;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:4px 22px}
.site-header nav a{color:var(--char);text-decoration:none;font-size:.95rem;font-weight:500;padding:4px 0;border-bottom:2px solid transparent}
.site-header nav a:hover,.site-header nav a[aria-current]{color:var(--navy);border-bottom-color:var(--accent)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 100%);color:#dbe3f2;padding:88px 0 80px}
.hero-sm{padding:56px 0 48px}
.hero h1{color:#fff}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:600;color:#9fb8e8;margin:0 0 12px}
.lede{font-size:1.18rem;max-width:640px;margin:0}
.actions{display:flex;flex-wrap:wrap;gap:12px;margin:32px 0 0}
.btn{display:inline-block;background:#fff;color:var(--navy);padding:11px 22px;border-radius:8px;font-weight:600;text-decoration:none}
.btn-ghost{background:transparent;color:#fff;border:1px solid rgba(255,255,255,.45)}
.section{padding-top:72px;padding-bottom:72px}
.band{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
.intro{max-width:720px;color:var(--char);margin:0 0 32px}
.cards{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px}
.card p{color:var(--char);margin:0 0 12px}
.card .meta{font-size:.85rem;color:var(--muted)}
.card .link{font-weight:600}
.facts{display:grid;gap:0;margin:0 0 24px;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden}
.facts div{display:grid;grid-template-columns:200px 1fr;gap:16px;padding:14px 20px;border-top:1px solid var(--line)}
.facts div:first-child{border-top:0}
.facts dt{font-weight:600;color:var(--navy)}
.facts dd{margin:0;color:var(--char)}
.small{font-size:.92rem;color:var(--muted)}
.contact-card{max-width:620px}
.big{font-size:1.35rem;font-weight:600}
.prose{max-width:760px;padding-top:56px;padding-bottom:72px}
.prose h2{margin-top:1.8em;font-size:1.35rem}
.prose h3{margin-top:1.3em;font-size:1.05rem}
.prose p,.prose li{color:var(--char)}
.site-footer{background:var(--navy);color:#b9c6dd;font-size:.93rem}
.site-footer a{color:#fff}
.foot{display:flex;flex-wrap:wrap;justify-content:space-between;gap:24px;padding-top:44px;padding-bottom:28px}
.foot p{margin:0 0 6px;max-width:420px}
.brand-sm{color:#fff;font-weight:700}
.site-footer nav ul{flex-direction:column;gap:6px}
.legal-line{border-top:1px solid rgba(255,255,255,.12);padding-top:18px;padding-bottom:22px}
.legal-line p{margin:0;font-size:.85rem}
@media (max-width:640px){.hero{padding:60px 0 56px}.section{padding-top:52px;padding-bottom:52px}.facts div{grid-template-columns:1fr;gap:2px}}