:root{--navy:#06234F;--ink:#1B2B40;--muted:#53627A;--mist:#F3F7FA;--line:#DCE4EC;
--blue:#0B4EA2;--teal:#009BA6;--silver:#AFB4B9;--green:#5DB83A;--orange:#F0A613;
--c:var(--navy);--ci:var(--navy);--r:14px;--w:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 "Source Sans 3",system-ui,sans-serif;color:var(--ink);background:#fff}
h1,h2,h3,h4{font-family:Sora,system-ui,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .5em;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.6vw,3.4rem)}h2{font-size:clamp(1.5rem,3vw,2.2rem)}h3{font-size:1.15rem}
p{margin:0 0 1em}a{color:var(--blue)}img{max-width:100%;display:block}
.wrap{max-width:var(--w);margin:0 auto;padding:0 24px}
.strip{height:5px;background:linear-gradient(90deg,var(--blue) 0 20%,var(--teal) 20% 40%,var(--silver) 40% 60%,var(--green) 60% 80%,var(--orange) 80%)}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:99}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:#fff;transition:box-shadow .2s}.hdr.stuck{box-shadow:0 4px 18px rgba(6,35,79,.12)}
.hdr .wrap{display:flex;align-items:center;justify-content:space-between;height:92px}
.brand img{height:80px;width:auto;display:block}
.nav>ul{list-style:none;display:flex;gap:6px;margin:0;padding:0}
.nav a{font:600 .95rem Sora,sans-serif;color:var(--navy);text-decoration:none;padding:10px 14px;border-radius:8px;display:block}
.nav a:hover,.nav a.on{background:var(--mist)}.nav a.on{box-shadow:inset 0 -3px 0 var(--teal)}
.has-sub{position:relative}.sub{list-style:none;margin:0;padding:8px;position:absolute;left:0;top:100%;min-width:250px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 14px 34px rgba(6,35,79,.16);display:none}
.has-sub:hover .sub,.has-sub.open .sub,.has-sub:focus-within .sub{display:block}
.sub a{display:flex;gap:10px;align-items:center;font-weight:500}.sub i,.dot{width:12px;height:12px;border-radius:50%;background:var(--d);flex:none}
.burger{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:600 .9rem Sora;color:var(--navy)}
/* hero */
.hero{background:var(--mist);overflow:hidden}.hero .wrap{display:grid;grid-template-columns:1.05fr .95fr;gap:40px;align-items:center;padding-top:56px;padding-bottom:56px}
.hero h1{margin-bottom:.4em}.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:34em}
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:24px}
.btn{display:inline-block;font:600 .95rem Sora;padding:13px 22px;border-radius:10px;text-decoration:none;background:var(--navy);color:#fff;border:2px solid var(--navy)}
.btn:hover{background:var(--blue);border-color:var(--blue)}.btn.alt{background:transparent;color:var(--navy)}.btn.alt:hover{background:#fff}
.bands{width:100%;max-width:520px;margin:auto}.bands path{fill:none;stroke-width:38;stroke-linecap:round;transition:stroke-width .2s}
.bands a:hover path,.bands a:focus path{stroke-width:50}.bands circle{fill:#fff;stroke-width:5}
.cap{text-align:center;min-height:3.2em;font-weight:600;color:var(--navy);margin-top:10px}.cap small{display:block;font-weight:400;color:var(--muted)}
/* sections */
section{padding:72px 0}.alt-bg{background:var(--mist)}.head{max-width:720px;margin-bottom:36px}.head p{color:var(--muted);font-size:1.1rem}
.grid{display:grid;gap:20px}.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g5{grid-template-columns:repeat(5,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;border-top:5px solid var(--c)}.alt-bg .card{border-color:var(--line);border-top-color:var(--c)}
.card p{margin:0;color:var(--muted)}.card h3{color:var(--navy)}
a.vcard{text-decoration:none;color:inherit;display:block;transition:transform .15s,box-shadow .15s}a.vcard:hover{transform:translateY(-4px);box-shadow:0 12px 26px rgba(6,35,79,.12)}
.vcard .more{display:block;margin-top:14px;font:600 .9rem Sora;color:var(--ci)}
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(5,1fr);gap:16px;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:20px}
.steps li:before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--c);color:var(--navy);font:700 .95rem Sora;margin-bottom:12px}
.steps b{display:block;font-family:Sora;color:var(--navy);margin-bottom:4px}.steps span{color:var(--muted);font-size:.95rem;line-height:1.45;display:block}
.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:center}.split img{border-radius:var(--r);width:100%;box-shadow:0 14px 34px rgba(6,35,79,.14)}
.ticks{list-style:none;padding:0;margin:0}.ticks li{padding:8px 0 8px 30px;position:relative;border-bottom:1px solid var(--line)}.ticks li:before{content:"";position:absolute;left:4px;top:17px;width:12px;height:12px;border-radius:50%;background:var(--c)}
.band{background:var(--navy);color:#fff;text-align:center}.band h2{color:#fff}.band p{color:#C5D3E6}.band .btn{background:var(--orange);border-color:var(--orange);color:var(--navy)}.band .btn:hover{background:#fff;border-color:#fff}
.mkts{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:20px 0 0}.mkts li{padding:8px 16px;border-radius:99px;background:#fff;border:1px solid var(--line);font-weight:600;color:var(--navy)}.mkts li:first-child{background:var(--navy);color:#fff}
/* page hero (inner) */
.phero{background:var(--mist);border-bottom:5px solid var(--c);padding:56px 0 48px}.phero p{font-size:1.2rem;color:var(--muted);max-width:44em;margin:0}
.crumb{font-size:.9rem;color:var(--muted);margin-bottom:12px}.crumb a{color:var(--muted)}
/* accordion */
.acc{border:1px solid var(--line);border-radius:var(--r);margin-bottom:12px;background:#fff;overflow:hidden}
.acc-h{width:100%;text-align:left;background:none;border:0;padding:18px 22px;font:600 1.05rem Sora;color:var(--navy);display:flex;justify-content:space-between;gap:16px;cursor:pointer;border-left:6px solid var(--c)}
.acc-h:hover{background:var(--mist)}.acc-h b{font-size:1.4rem;line-height:1;color:var(--ci);transition:transform .2s}.acc-h[aria-expanded=true] b{transform:rotate(45deg)}
.acc-b{display:none;padding:4px 24px 22px 28px}.acc-b .ticks li:last-child{border:0}.acc-b p{color:var(--muted)}
.tbl{width:100%;border-collapse:collapse}.tbl td,.tbl th{padding:12px 14px;border-bottom:1px solid var(--line);text-align:left}
/* contact */
.cform label{display:block;font-weight:600;color:var(--navy);margin-bottom:16px}
.cform input,.cform select,.cform textarea{display:block;width:100%;margin-top:6px;padding:12px 14px;font:inherit;border:1.5px solid #B7C4D3;border-radius:10px;background:#fff}
.cform input:focus,.cform select:focus,.cform textarea:focus,.btn:focus-visible,.acc-h:focus-visible,a:focus-visible{outline:3px solid var(--teal);outline-offset:2px}
.cform .err{border-color:#C0392B}.msg{display:none;margin-top:16px;padding:14px 16px;border-radius:10px;background:#E8F6E3;color:#1F5A12}.msg.bad{background:#FBEAE7;color:#8C2417}
.person{padding:18px 0;border-bottom:1px solid var(--line)}.person:last-child{border:0}.person b{font-family:Sora;color:var(--navy);display:block}
/* footer */
.ftr{background:var(--navy);color:#C5D3E6;padding:48px 0 24px;font-size:.95rem}.ftr .wrap{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:32px}
.ftr h4{color:#fff;font-size:1rem}.ftr a{color:#C5D3E6;text-decoration:none;display:block;padding:3px 0}.ftr a:hover{color:#fff;text-decoration:underline}
.ftr .logo{background:#fff;border-radius:12px;padding:10px 14px;width:260px;max-width:100%;height:auto;margin-bottom:12px}.copy{grid-column:1/-1;border-top:1px solid #20406F;padding-top:18px;margin-top:6px}
.top{position:fixed;right:20px;bottom:20px;width:44px;height:44px;border-radius:50%;border:0;background:var(--navy);color:#fff;font-size:1.2rem;cursor:pointer;display:none}
@media(max-width:960px){.hero .wrap,.split{grid-template-columns:1fr}.g4,.g5,.steps{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(2,1fr)}.ftr .wrap{grid-template-columns:1fr 1fr}
.burger{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-top:1px solid var(--line);box-shadow:0 14px 24px rgba(6,35,79,.12);max-height:80vh;overflow:auto}.nav.open{display:block}
.nav>ul{flex-direction:column;padding:10px 20px}.sub{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 14px}.has-sub:hover .sub{display:block}}
@media(max-width:600px){.g2,.g3,.g4,.g5,.steps,.ftr .wrap{grid-template-columns:1fr}section{padding:52px 0}}
@media(prefers-reduced-motion:reduce){*{transition:none!important;scroll-behavior:auto!important}}