:root{--navy:#0b2545;--blue:#1d5fb4;--blue-d:#154a8f;--ink:#1c2b3f;--mute:#56657a;--line:#d9e0ea;--soft:#f3f6fa;--white:#fff;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font:17px/1.65 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}a{color:var(--blue)}a:hover{color:var(--blue-d)}
:focus-visible{outline:3px solid var(--blue);outline-offset:2px}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
h1,h2,h3{color:var(--navy);line-height:1.18;margin:0 0 .5em;letter-spacing:-.015em}
h1{font-size:clamp(2.1rem,5vw,3.4rem);font-weight:800}h2{font-size:clamp(1.55rem,3vw,2.15rem);font-weight:750}h3{font-size:1.15rem;font-weight:700}
p{margin:0 0 1em;max-width:68ch}.lead{font-size:1.18rem;color:var(--mute)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
header.site{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.brand img{height:50px;width:auto;display:block}
nav ul{display:flex;gap:4px;list-style:none;margin:0;padding:0;align-items:center}
nav a{display:block;padding:10px 13px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.96rem;border-radius:4px}
nav a:hover,nav a[aria-current=page]{color:var(--blue);box-shadow:inset 0 -3px 0 var(--blue)}
nav a.btn{color:#fff;box-shadow:none;margin-left:8px}
.btn{display:inline-block;background:var(--blue);color:#fff;padding:13px 24px;border-radius:4px;font-weight:700;text-decoration:none;border:2px solid var(--blue)}
.btn:hover{background:var(--blue-d);border-color:var(--blue-d);color:#fff}
.btn.alt{background:#fff;color:var(--navy);border-color:var(--navy)}.btn.alt:hover{background:var(--navy);color:#fff}
.menu{display:none;background:none;border:2px solid var(--navy);color:var(--navy);padding:8px 14px;font-weight:700;border-radius:4px;font-size:.95rem}
.hero{padding:72px 0 64px;border-bottom:1px solid var(--line)}
.hero .grid{display:grid;grid-template-columns:1.25fr .75fr;gap:56px;align-items:center}
.hero .cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.panel{border:1px solid var(--line);border-top:5px solid var(--navy);background:var(--soft)}
.panel a{display:block;padding:20px 22px;text-decoration:none;border-bottom:1px solid var(--line);color:var(--ink)}
.panel a:last-child{border-bottom:0}.panel a:hover{background:#fff}
.panel strong{display:block;color:var(--navy);font-size:1.08rem}.panel span{color:var(--mute);font-size:.94rem}
.pagehead{padding:60px 0 44px;background:var(--soft);border-bottom:1px solid var(--line)}
.pagehead h1{font-size:clamp(1.9rem,4.2vw,2.8rem)}.pagehead p{margin:0}
section.s{padding:64px 0}section.s.soft{background:var(--soft);border-block:1px solid var(--line)}
.cols{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}.cols2{display:grid;grid-template-columns:1fr 1fr;gap:40px}
.card{border:1px solid var(--line);border-left:5px solid var(--blue);padding:26px;background:#fff}
.card h3{margin-bottom:.4em}.card p{margin-bottom:.8em;color:var(--mute)}.card a.more{font-weight:700;text-decoration:none}
ul.tick{list-style:none;padding:0;margin:0 0 1em}ul.tick li{padding:9px 0 9px 30px;border-bottom:1px solid var(--line);position:relative}
ul.tick li::before{content:"";position:absolute;left:4px;top:17px;width:12px;height:7px;border-left:3px solid var(--blue);border-bottom:3px solid var(--blue);transform:rotate(-45deg)}
.media{min-height:300px;background:var(--navy);display:flex;align-items:center;justify-content:center;border-radius:2px}
.media svg{width:96px;height:96px;stroke:#fff;fill:none;stroke-width:1.6;opacity:.9}
.band{background:var(--navy);color:#fff;padding:56px 0}.band h2{color:#fff}.band p{color:#cfd9e8}
.band .row{display:flex;justify-content:space-between;align-items:center;gap:28px;flex-wrap:wrap}
.band .btn{background:#fff;color:var(--navy);border-color:#fff}.band .btn:hover{background:#e7eef8}
.band .btn.alt{background:transparent;color:#fff;border-color:#fff}.band .btn.alt:hover{background:#fff;color:var(--navy)}
table{border-collapse:collapse;width:100%}th,td{text-align:left;padding:12px 14px;border-bottom:1px solid var(--line);vertical-align:top}th{width:34%;color:var(--navy)}
.note{border-left:5px solid var(--navy);background:var(--soft);padding:18px 22px;margin:24px 0;color:var(--ink)}
form{display:grid;gap:16px}label{font-weight:650;color:var(--navy);display:block;margin-bottom:5px}
input,select,textarea{width:100%;font:inherit;padding:12px;border:1px solid #9fb0c6;border-radius:4px;background:#fff;color:var(--ink)}
textarea{min-height:150px;resize:vertical}.hp{position:absolute;left:-9999px}
footer.site{background:var(--navy);color:#cfd9e8;padding:56px 0 24px;font-size:.95rem}
footer.site h3{color:#fff;font-size:1rem}footer.site a{color:#cfd9e8;text-decoration:none}footer.site a:hover{color:#fff;text-decoration:underline}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{padding:4px 0}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px}
.legal{border-top:1px solid #23406a;margin-top:36px;padding-top:20px;font-size:.86rem;color:#9fb2cc}
@media(max-width:900px){.hero .grid,.cols2{grid-template-columns:1fr}.cols{grid-template-columns:1fr}.fgrid{grid-template-columns:1fr 1fr}
.menu{display:block}nav{display:none;position:absolute;left:0;right:0;top:76px;background:#fff;border-bottom:1px solid var(--line);padding:8px 22px 18px}
nav.open{display:block}nav ul{flex-direction:column;align-items:stretch}nav a.btn{margin:8px 0 0;text-align:center}.hero{padding:48px 0}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}.brand img{height:42px}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}