:root{--navy:#071b2d;--navy2:#0d2b45;--ink:#122334;--muted:#5d6b78;--paper:#f7f8f7;--white:#fff;--gold:#c69a4b;--line:#dce2e6;--green:#174c43;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;color:var(--ink);background:var(--white);line-height:1.55}a{color:inherit}img{max-width:100%}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.utility{background:#03111d;color:#c9d5df;font-size:13px}.utility .wrap{display:flex;justify-content:space-between;gap:18px;padding-top:8px;padding-bottom:8px}.utility a{text-decoration:none}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:72px;gap:20px}.brand{text-decoration:none;font-weight:900;letter-spacing:.08em;color:var(--navy);font-size:19px}.brand span{color:var(--gold)}.navlinks{display:flex;gap:22px;align-items:center}.navlinks a{text-decoration:none;font-weight:650;font-size:14px}.navlinks a:hover{color:var(--gold)}.menu{display:none;background:none;border:0;font-size:24px}.hero{background:linear-gradient(125deg,var(--navy),#0b3657);color:white;padding:82px 0 72px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:800;color:#e4c78e}.hero h1{font-size:clamp(42px,6vw,72px);line-height:1.02;max-width:980px;margin:14px 0 22px;letter-spacing:-.035em}.hero p{font-size:20px;max-width:820px;color:#d7e2ea}.actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}.btn{display:inline-block;text-decoration:none;padding:13px 18px;border-radius:4px;font-weight:800;border:1px solid transparent}.btn-primary{background:var(--gold);color:#1d1a13}.btn-secondary{border-color:#8194a5;color:white}.btn-light{background:white;color:var(--navy);border-color:var(--line)}.section{padding:72px 0}.section.alt{background:var(--paper)}.section.dark{background:var(--navy);color:white}.kicker{color:var(--green);font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase}.dark .kicker{color:#e4c78e}.section h2{font-size:clamp(30px,4vw,46px);line-height:1.1;letter-spacing:-.025em;margin:8px 0 18px}.lead{font-size:19px;color:var(--muted);max-width:850px}.dark .lead{color:#cbd7df}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:24px;margin-top:32px}.card{border:1px solid var(--line);border-radius:8px;padding:26px;background:white}.dark .card{background:#0b2942;border-color:#28465c}.card h3{margin-top:0;font-size:23px}.card p{color:var(--muted)}.dark .card p{color:#cbd7df}.card a.more{font-weight:850;color:var(--green);text-decoration:none}.dark .card a.more{color:#e4c78e}.metric{font-size:30px;font-weight:900;color:var(--navy)}.dark .metric{color:white}.path{border-top:4px solid var(--gold)}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(5,1fr);gap:12px;margin-top:34px}.step{padding:20px;border:1px solid var(--line);background:white}.step:before{counter-increment:step;content:counter(step);display:block;font-weight:900;color:var(--gold);font-size:26px}.quote{font-size:27px;line-height:1.3;font-weight:750;max-width:920px;border-left:4px solid var(--gold);padding-left:24px}.table{width:100%;border-collapse:collapse;margin-top:28px}.table th,.table td{text-align:left;padding:14px;border-bottom:1px solid var(--line);vertical-align:top}.table th{background:#eef2f3;font-size:13px;text-transform:uppercase;letter-spacing:.05em}.tag{display:inline-block;border:1px solid #b9c5cd;border-radius:999px;padding:5px 9px;font-size:12px;font-weight:750;margin:3px}.cta{padding:42px;border-radius:10px;background:var(--navy);color:white}.cta p{color:#d7e2ea}.form{max-width:760px}.form label{display:block;font-weight:750;margin:15px 0 6px}.form input,.form textarea,.form select{width:100%;padding:12px;border:1px solid #b8c4cc;border-radius:4px;font:inherit}.form textarea{min-height:130px}.form button{margin-top:18px}.footer{background:#03111d;color:#c4d0d8;padding:48px 0 28px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:32px}.footer a{color:#e7eef3}.small{font-size:13px;color:#7a8995}.footer .small{color:#95a7b4}.notice{border-left:4px solid var(--gold);padding:14px 18px;background:#fbf7ef}.score{display:flex;gap:10px;flex-wrap:wrap;margin-top:18px}.score span{background:#eef4f2;padding:8px 11px;border-radius:4px;font-weight:800;color:var(--green)}
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