:root{
  --navy:#1f2f4a;--navy-2:#2b3f61;--blue:#1d5fc4;--blue-d:#163f7d;--ink:#18212f;--body:#3a4556;--muted:#4a5568;
  --line:#dfe3ea;--line-2:#eef1f5;--wash:#f4f6f9;--white:#fff;--red:#b42318;--green:#1a7f37;--gold:#c8a24a;
  --serif:'Source Serif 4',Georgia,serif;--sans:'Public Sans',system-ui,-apple-system,Segoe UI,sans-serif;
  --r:10px;--max:1200px
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:var(--white);color:var(--ink);font-family:var(--sans);font-size:17px;line-height:1.6}
img{max-width:100%;height:auto;display:block}
a{color:var(--blue)}a:hover{color:var(--blue-d)}
h1,h2,h3{color:var(--navy);line-height:1.15;margin:0}
h1,h2{font-family:var(--serif);font-weight:700}
h1{font-size:clamp(34px,5vw,52px)}
h2{font-size:clamp(28px,3.4vw,36px)}
h3{font-size:20px;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.narrow{max-width:780px}
.skip{position:absolute;left:-9999px}.skip:focus{left:16px;top:16px;background:#fff;padding:8px 12px;z-index:9}

/* header */
.site-head{background:var(--navy);color:#fff;position:sticky;top:env(safe-area-inset-top,0px);z-index:5}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:72px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none}
.brand img{height:44px;width:auto}
.brand span{display:flex;flex-direction:column;line-height:1.1}
.brand b{font-family:var(--serif);font-size:20px;letter-spacing:.01em}
.brand small{font-size:11px;letter-spacing:.14em;color:#b9c6dc;font-weight:600}
.nav{display:flex;align-items:center;gap:2px}
.nav a{color:#fff;text-decoration:none;padding:10px 11px;font-size:15px;border-radius:6px;white-space:nowrap}
.nav a:hover,.nav a[aria-current]{background:var(--navy-2);color:#fff}
.nav .cta{background:#fff;color:var(--navy);font-weight:700;margin-left:8px}
.nav .cta:hover{background:#e8edf5;color:var(--navy)}
.dd{position:relative}
.dd>summary{list-style:none;cursor:pointer;color:#fff;padding:10px 11px;font-size:15px;border-radius:6px}
.dd>summary::-webkit-details-marker{display:none}
.dd>summary:after{content:" \25BE";font-size:12px}
.dd[open]>summary,.dd>summary:hover{background:var(--navy-2)}
.dd .menu{position:absolute;right:0;top:46px;background:#fff;border:1px solid var(--line);border-radius:var(--r);box-shadow:0 12px 28px rgba(16,24,40,.16);padding:8px;min-width:260px;display:flex;flex-direction:column}
.dd .menu a{color:var(--ink);padding:10px 12px}
.dd .menu a:hover{background:var(--wash);color:var(--navy)}
.menu-btn{display:none}
@media (max-width:980px){
  .menu-btn{display:block;background:none;border:1px solid #6d7d98;color:#fff;border-radius:6px;padding:8px 12px;font:inherit;font-size:15px}
  .nav{display:none;position:absolute;left:0;right:0;top:72px;background:var(--navy);flex-direction:column;align-items:stretch;padding:8px 16px 16px;gap:0}
  .site-head.open .nav{display:flex}
  .nav a,.dd>summary{padding:12px 8px;font-size:16px}
  .dd .menu{position:static;background:none;border:0;box-shadow:none;padding:0 0 0 12px;min-width:0}
  .dd .menu a{color:#d6deeb}
  .dd .menu a:hover{background:var(--navy-2);color:#fff}
  .nav .cta{margin:8px 0 0;text-align:center}
}

/* buttons */
.btn{display:inline-block;font:inherit;font-weight:700;font-size:16px;padding:14px 22px;border-radius:8px;text-decoration:none;border:0;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--blue);color:#fff}.btn-primary:hover{background:var(--blue-d);color:#fff}
.btn-light{background:#fff;color:var(--navy)}.btn-light:hover{background:#e8edf5;color:var(--navy)}
.btn-ghost{background:transparent;color:var(--navy);border:1px solid #b7c0cd}.btn-ghost:hover{border-color:var(--navy)}
.btn-row{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}

/* sections */
.hero{padding:64px 0 48px}
.hero .eyebrow,.eyebrow{display:block;margin:0 0 10px;font-size:13px;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--blue)}
.hero .lede,.lede{font-size:clamp(18px,2vw,20px);color:var(--body);max-width:760px;margin-top:18px}
.hero-dark{background:var(--navy);color:#fff}
.hero-dark h1{color:#fff}.hero-dark .lede{color:#d6deeb}.hero-dark .eyebrow{color:#9fc0f5}
.sec{padding:56px 0}
.sec-wash{background:var(--wash)}
.sec-head{max-width:760px;margin-bottom:28px}
.sec-head p{color:var(--body);margin-top:10px}
.grid{display:grid;gap:20px}
.g2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.g4{grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
@media (max-width:420px){.g2,.g3{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px}
.card p{color:var(--body);margin:8px 0 0}
a.card{text-decoration:none;color:inherit;display:flex;flex-direction:column;transition:border-color .15s,box-shadow .15s}
a.card:hover{border-color:var(--blue);box-shadow:0 6px 18px rgba(29,95,196,.10)}
a.card .more{margin-top:auto;padding-top:14px;color:var(--blue);font-weight:700;font-size:15px}
.tag{font-size:12px;font-weight:700;letter-spacing:.1em;color:var(--blue);text-transform:uppercase}
.kpi{border:1px solid var(--line);border-radius:var(--r);padding:18px 20px;background:#fff}
.kpi span{display:block;font-size:14px;color:var(--muted);font-weight:500}
.kpi b{display:block;font-family:var(--serif);font-size:34px;color:var(--navy);line-height:1.2;margin:4px 0}
.kpi em{font-style:normal;font-size:14px;font-weight:600}
.down{color:var(--red)}.up{color:var(--green)}.flat{color:var(--muted)}

/* trust strip */
.trust{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff}
.trust ul{list-style:none;margin:0;padding:18px 0;display:flex;flex-wrap:wrap;gap:10px 26px;justify-content:space-between}
.trust li{font-size:14px;color:var(--muted);display:flex;align-items:center;gap:8px}
.trust li b{color:var(--navy)}
.trust li:before{content:"";width:8px;height:8px;border-radius:50%;background:var(--gold);flex:none}

/* lists */
.checks{list-style:none;padding:0;margin:12px 0 0}
.checks li{position:relative;padding-left:28px;margin:10px 0;color:var(--body)}
.checks li:before{content:"";position:absolute;left:4px;top:.45em;width:12px;height:7px;border-left:2.5px solid var(--green);border-bottom:2.5px solid var(--green);transform:rotate(-45deg)}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:22px}
.steps li:before{content:counter(s);display:inline-grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;margin-bottom:10px}
.steps b{display:block;color:var(--navy);font-size:18px}
.steps p{margin:6px 0 0;color:var(--body);font-size:16px}

/* faq */
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:18px;padding:14px 32px 14px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";position:absolute;right:4px;top:10px;font-size:24px;color:var(--blue);font-weight:400}
.faq details[open] summary:after{content:"\2212"}
.faq details>div{color:var(--body);padding:0 0 16px}

/* callout */
.note{border-left:4px solid var(--gold);background:#fbf8ef;padding:16px 20px;border-radius:0 var(--r) var(--r) 0;color:var(--body);font-size:16px}
.note b{color:var(--navy)}
.fee{display:flex;flex-wrap:wrap;align-items:baseline;gap:6px 14px;border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;background:#fff}
.fee b{font-family:var(--serif);font-size:28px;color:var(--navy)}
.fee span{color:var(--muted);font-size:15px}

/* forms */
.form{display:grid;gap:14px}
.form .row{display:grid;gap:14px;grid-template-columns:1fr 1fr}
@media (max-width:620px){.form .row{grid-template-columns:1fr}}
.form label{display:block;font-size:14px;font-weight:600;color:var(--navy);margin-bottom:6px}
.form input,.form select,.form textarea{width:100%;font:inherit;font-size:16px;padding:12px 14px;border:1px solid #b7c0cd;border-radius:8px;background:#fff;color:var(--ink)}
.form textarea{min-height:120px;resize:vertical}
.form input:focus,.form select:focus,.form textarea:focus{outline:2px solid var(--blue);outline-offset:1px;border-color:var(--blue)}
.form .hp{position:absolute;left:-9999px}
.form .fine{font-size:14px;color:var(--muted)}
.form-msg{display:none;padding:14px 16px;border-radius:8px;font-weight:600}
.form-msg.ok{display:block;background:#e9f6ee;color:#14532d}
.form-msg.err{display:block;background:#fdecea;color:#7a1c14}
.quote-band{background:var(--navy);color:#fff}
.quote-band h2{color:#fff}.quote-band p{color:#d6deeb}
.quote-band .card{color:var(--ink)}
.quote-grid{display:grid;gap:32px;grid-template-columns:1fr 1.2fr;align-items:start}
@media (max-width:860px){.quote-grid{grid-template-columns:1fr}}
.contact-lines{list-style:none;padding:0;margin:20px 0 0}
.contact-lines li{margin:10px 0}
.contact-lines a{color:#fff;font-weight:700;font-size:20px;text-decoration:none}
.contact-lines a:hover{text-decoration:underline;color:#fff}

/* blog */
.post-list{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(300px,1fr))}
.post-card img{border-radius:8px;aspect-ratio:16/9;object-fit:cover;width:100%;margin-bottom:14px;background:var(--wash)}
.post-card h3{font-size:20px;margin-top:6px}
.post-card time{font-size:13px;color:var(--muted);font-weight:600}
.article{padding:48px 0 24px}
.article .meta{color:var(--muted);font-size:15px;margin-top:14px}
.prose{font-size:18px;line-height:1.7;color:#243042}
.prose h2{font-size:28px;margin:1.6em 0 .5em}
.prose h3{margin:1.4em 0 .4em}
.prose img{border-radius:8px;margin:24px auto;border:1px solid var(--line)}
.prose ul,.prose ol{padding-left:1.3em}
.prose li{margin:.35em 0}
.prose blockquote{margin:1.4em 0;padding:4px 0 4px 20px;border-left:4px solid var(--gold);color:var(--body)}
.prose table{border-collapse:collapse;width:100%;font-size:16px;margin:1em 0;display:block;overflow-x:auto}
.prose th,.prose td{border-bottom:1px solid var(--line);padding:8px 10px;text-align:left}
.prose figure{margin:24px 0}
.prose figcaption{font-size:14px;color:var(--muted);text-align:center}

/* subscribe */
.sub{background:var(--wash)}
.sub .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:24px;padding-top:44px;padding-bottom:44px}
.sub form{display:flex;flex-wrap:wrap;gap:10px;flex:1 1 380px;max-width:520px}
.sub input{flex:1 1 220px;font:inherit;font-size:16px;padding:14px 16px;border-radius:8px;border:1px solid #b7c0cd}

/* footer */
.site-foot{background:#141f33;color:#c3cddd;font-size:15px}
.site-foot .wrap{padding-top:48px;padding-bottom:32px}
.foot-grid{display:grid;gap:32px;grid-template-columns:1.4fr 1fr 1fr 1fr}
@media (max-width:860px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.foot-grid{grid-template-columns:1fr}}
.site-foot h4{color:#fff;font-size:14px;letter-spacing:.1em;text-transform:uppercase;margin:0 0 12px}
.site-foot ul{list-style:none;padding:0;margin:0}
.site-foot li{margin:8px 0}
.site-foot a{color:#c3cddd;text-decoration:none}.site-foot a:hover{color:#fff;text-decoration:underline}
.legal{border-top:1px solid #2a3a57;margin-top:32px;padding-top:20px;font-size:13px;color:#93a1b8}

/* tables */
.tbl{overflow-x:auto;background:#fff;border:1px solid var(--line);border-radius:var(--r)}
.tbl table{width:100%;border-collapse:collapse;font-size:15px;min-width:640px}
.tbl th{text-align:left;color:var(--muted);font-size:13px;padding:12px 16px;border-bottom:1px solid var(--line);cursor:pointer;white-space:nowrap}
.tbl td{padding:12px 16px;border-bottom:1px solid var(--line-2)}
.tbl td:first-child{font-weight:600;color:var(--navy)}
.preview-bar{background:#fff7e0;color:#5c4400;font-size:14px;text-align:center;padding:8px 16px;border-bottom:1px solid #f0dca0}