:root{--navy:#102a43;--blue:#1d4f7a;--sky:#e9f3f8;--orange:#ef6c35;--cream:#faf8f3;--ink:#16202a;--muted:#607080;--white:#fff;--line:#d7e0e6;--radius:18px;--shadow:0 18px 45px rgba(16,42,67,.12)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);background:var(--cream);font:16px/1.65 Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}.wrap{width:min(1180px,calc(100% - 40px));margin:auto}.topbar{background:var(--navy);color:#d9e8f1;font-size:.82rem;padding:8px 0}.topbar .wrap{display:flex;justify-content:space-between}.site-header{background:rgba(250,248,243,.96);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10;backdrop-filter:blur(12px)}.nav{height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:11px;font-weight:800;font-size:1.25rem;color:var(--navy)}.mark{width:42px;height:42px;background:var(--orange);color:white;border-radius:50% 50% 12px 12px;display:grid;place-items:center;font-size:1.35rem}.navlinks{display:flex;gap:28px;align-items:center}.navlinks a{font-size:.92rem;font-weight:650}.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:12px 20px;border-radius:999px;background:var(--orange);color:white;font-weight:750;border:0}.btn.alt{background:var(--navy)}.hero{padding:86px 0 72px;background:radial-gradient(circle at 82% 20%,rgba(239,108,53,.18),transparent 24%),linear-gradient(135deg,var(--navy),#173f61);color:white;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:68px;align-items:center}.eyebrow{color:#f6ad86;text-transform:uppercase;letter-spacing:.14em;font-size:.78rem;font-weight:800}.hero h1,.page-hero h1{font-family:Georgia,serif;font-size:clamp(3rem,6vw,5.7rem);line-height:.98;letter-spacing:-.045em;margin:18px 0 22px}.hero p{font-size:1.17rem;color:#d8e7ef;max-width:620px}.actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:30px}.actions .ghost{border:1px solid rgba(255,255,255,.45);background:transparent}.policy-stack{position:relative;min-height:410px}.policy-card{position:absolute;background:white;color:var(--ink);border-radius:var(--radius);padding:25px;width:78%;box-shadow:var(--shadow)}.policy-card:nth-child(1){top:0;right:0;transform:rotate(3deg)}.policy-card:nth-child(2){top:128px;left:0;transform:rotate(-4deg)}.policy-card:nth-child(3){bottom:0;right:8%;transform:rotate(1deg)}.policy-card .icon{font-size:1.65rem}.policy-card h3{margin:8px 0 3px;color:var(--navy)}section{padding:84px 0}.section-head{display:flex;justify-content:space-between;align-items:end;gap:30px;margin-bottom:34px}.section-head h2{font:700 clamp(2.2rem,4vw,3.5rem)/1.05 Georgia,serif;color:var(--navy);margin:8px 0}.section-head p{max-width:540px;color:var(--muted)}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.card{background:white;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.2s}.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}.card .icon{width:48px;height:48px;border-radius:14px;background:var(--sky);display:grid;place-items:center;font-size:1.35rem}.card h3{color:var(--navy);margin:18px 0 6px}.card p{color:var(--muted);font-size:.94rem}.band{background:var(--sky)}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:1px;background:#b8d0dc;border-radius:var(--radius);overflow:hidden}.stat{background:white;padding:38px;text-align:center}.stat strong{display:block;color:var(--navy);font:700 2.6rem Georgia,serif}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.feature-panel{background:var(--navy);color:white;padding:44px;border-radius:28px;box-shadow:var(--shadow)}.feature-panel h2{font:700 2.6rem/1.08 Georgia,serif;margin:0 0 18px}.checklist{list-style:none;padding:0;margin:24px 0}.checklist li{padding:12px 0;border-bottom:1px solid rgba(255,255,255,.15)}.checklist li:before{content:"✓";color:#ff9b68;font-weight:800;margin-right:12px}.page-hero{padding:72px 0;background:var(--navy);color:white}.page-hero h1{font-size:clamp(2.8rem,5vw,4.8rem);max-width:850px}.page-hero p{color:#d7e5ed;max-width:700px;font-size:1.12rem}.team{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.person{background:white;border:1px solid var(--line);border-radius:22px;overflow:hidden}.person img{aspect-ratio:4/5;object-fit:cover;width:100%}.person-info{padding:24px}.person h3{font:700 1.6rem Georgia,serif;color:var(--navy);margin:0}.role{color:var(--orange);font-weight:800;font-size:.82rem;text-transform:uppercase;letter-spacing:.1em}.notice{font-size:.84rem;color:var(--muted);border-top:1px solid var(--line);padding-top:18px;margin-top:32px}.coverage-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:22px}.coverage{background:white;border:1px solid var(--line);border-radius:20px;padding:32px}.coverage h2{color:var(--navy)}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.step{background:white;border-radius:20px;padding:30px;border:1px solid var(--line)}.step:before{counter-increment:step;content:counter(step);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--orange);color:white;font-weight:800}.step h3{color:var(--navy)}footer{background:#0b1d2c;color:#c7d5dd;padding:58px 0 26px}.footer-grid{display:grid;grid-template-columns:1.5fr repeat(3,1fr);gap:36px}.footer-grid h4{color:white}.footer-grid a{display:block;margin:8px 0;font-size:.9rem}.fine{border-top:1px solid #294052;margin-top:36px;padding-top:22px;font-size:.78rem;color:#8299a8}.mobile-toggle{display:none}@media(max-width:800px){.navlinks{display:none}.mobile-toggle{display:block}.hero-grid,.split{grid-template-columns:1fr}.policy-stack{min-height:390px}.cards{grid-template-columns:1fr 1fr}.team,.steps{grid-template-columns:1fr}.coverage-grid,.footer-grid{grid-template-columns:1fr}.hero{padding-top:58px}.section-head{display:block}.stats{grid-template-columns:1fr}.topbar{display:none}}@media(max-width:500px){.cards{grid-template-columns:1fr}.wrap{width:min(100% - 28px,1180px)}.hero h1{font-size:3.1rem}.nav{height:68px}}