:root{
  --navy:#003167;--navy-2:#274c7b;--teal:#76a589;--teal-dk:#3f7a5a;--purple:#9a88c6;--purple-dk:#5f4d93;
  --gold:#d5caa3;--gold-2:#f2c94c;--charcoal:#4c5063;--ink:#1d2433;--bg:#ffffff;--bg-soft:#f5f7fa;--line:#e3e7ee;
  --radius:14px;--shadow:0 10px 30px rgba(0,30,70,.08);
  --font:"Inter","Segoe UI",system-ui,-apple-system,Roboto,"Helvetica Neue",Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{scroll-behavior:smooth;scroll-padding-top:96px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:var(--font);color:var(--ink);background:var(--bg);line-height:1.6;font-size:1.0625rem;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:var(--navy-2)}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--gold-2);outline-offset:3px;border-radius:4px}
h1,h2,h3{line-height:1.2;color:var(--navy);margin:0 0 .6em;letter-spacing:-.01em}
p{margin:0 0 1em}
.container{width:min(1140px,100% - 2.5rem);margin-inline:auto}
.sr-only{position:absolute!important;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}
.skip-link{position:absolute;left:1rem;top:-100px;background:var(--navy);color:#fff;padding:.6rem 1rem;border-radius:8px;z-index:100}
.skip-link:focus{top:1rem}

/* Buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:.4rem;padding:.85rem 1.4rem;border-radius:999px;background:var(--navy);color:#fff;font-weight:700;text-decoration:none;border:2px solid var(--navy);transition:transform .15s,background .15s,box-shadow .15s;line-height:1.1}
.btn:hover{color:#fff;background:var(--navy-2);border-color:var(--navy-2);transform:translateY(-1px);box-shadow:0 6px 16px rgba(0,49,103,.2)}
.btn-small{padding:.55rem 1.1rem;font-size:.95rem}
.btn-gold{background:var(--gold-2);border-color:var(--gold-2);color:var(--navy)}
.btn-gold:hover{background:#ffd866;border-color:#ffd866;color:var(--navy)}
.btn-ghost{background:rgba(255,255,255,.08);border-color:#fff;color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy);border-color:#fff}
.btn-outline{background:transparent;color:var(--navy)}
.btn-outline:hover{background:var(--navy);color:#fff}

/* Header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(1.4) blur(8px);border-bottom:1px solid var(--line)}
.header-inner{display:flex;align-items:center;justify-content:space-between;min-height:78px;gap:1rem}
.brand img{width:170px;height:auto}
.site-nav ul{display:flex;align-items:center;gap:1.4rem;list-style:none;margin:0;padding:0}
.site-nav a:not(.btn){color:var(--charcoal);text-decoration:none;font-weight:600;font-size:.97rem;padding:.3rem 0;border-bottom:2px solid transparent}
.site-nav a:not(.btn):hover{color:var(--navy);border-bottom-color:var(--teal)}
.nav-toggle{display:none;background:none;border:0;width:44px;height:44px;cursor:pointer;position:relative}
.nav-toggle-bar,.nav-toggle-bar::before,.nav-toggle-bar::after{position:absolute;left:10px;width:24px;height:2.5px;background:var(--navy);border-radius:2px;transition:transform .2s,opacity .2s}
.nav-toggle-bar{top:21px}.nav-toggle-bar::before{content:"";top:-7px;left:0}.nav-toggle-bar::after{content:"";top:7px;left:0}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar{background:transparent}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar::before{transform:translateY(7px) rotate(45deg)}
.nav-toggle[aria-expanded="true"] .nav-toggle-bar::after{transform:translateY(-7px) rotate(-45deg)}

/* Hero */
.hero{position:relative;overflow:hidden;color:#fff;isolation:isolate}
.hero-swirl{position:absolute;inset:0;width:100%;height:100%;z-index:-2}
.hero-shade{position:absolute;inset:0;z-index:-1;background:linear-gradient(100deg,rgba(0,32,72,.88) 0%,rgba(0,40,88,.55) 48%,rgba(0,40,88,.05) 100%)}
.hero-content{padding:clamp(4rem,10vw,7.5rem) 0 clamp(4rem,9vw,6.5rem);max-width:760px;margin-left:max(1.25rem,calc((100% - 1140px)/2))}
.hero h1{color:#fff;font-size:clamp(2.1rem,4.6vw,3.4rem);font-weight:800;margin-bottom:.45em}
.lede{font-size:clamp(1.08rem,1.6vw,1.25rem);color:#eef3fa;max-width:640px}
.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:.8rem;font-weight:700;color:var(--gold);margin-bottom:1rem}
.eyebrow-dark{color:var(--teal-dk)}
.hero-actions{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:1.8rem}

/* Highlights */
.highlights{background:var(--navy);color:#fff}
.highlight-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0}
.highlight{padding:1.5rem 1.25rem;display:flex;flex-direction:column;gap:.2rem;border-left:1px solid rgba(255,255,255,.14)}
.highlight:first-child{border-left:0}
.hl-num{font-size:1.5rem;font-weight:800;color:var(--gold)}
.hl-text{color:#d9e2ef;font-size:.97rem}

/* Bands */
.band-bar{padding:1.25rem 1.25rem;text-align:center}
.band-bar h2{color:#fff;margin:0;font-size:clamp(1.45rem,2.8vw,2.05rem);font-weight:700}
.band-teal .band-bar{background:var(--teal-dk)}
.band-purple .band-bar{background:var(--purple-dk)}
.band-navy .band-bar{background:var(--navy-2)}
.band-gold .band-bar{background:var(--gold)}
.band-gold .band-bar h2{color:var(--navy)}
.band-body{padding:clamp(2.5rem,5vw,4rem) 0}
.band-purple,.band-gold{background:var(--bg-soft)}
.intro{font-size:1.15rem;color:var(--charcoal);max-width:820px}
.muted{color:var(--charcoal)}

.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:1.25rem;margin-top:2rem}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.6rem;box-shadow:var(--shadow)}
.card h3{font-size:1.12rem}
.card p{color:var(--charcoal);margin:0;font-size:.99rem}
.card-icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:#e8f2ec;margin-bottom:1rem}
.card-icon svg{width:26px;height:26px;fill:var(--teal-dk)}
.cta-row{display:flex;flex-wrap:wrap;gap:.8rem;margin-top:2.2rem}

.split{display:grid;grid-template-columns:1.25fr 1fr;gap:2.5rem;align-items:start}
.checklist{list-style:none;padding:0;margin:1.4rem 0}
.checklist li{position:relative;padding:.45rem 0 .45rem 2rem;font-weight:600;color:var(--ink)}
.checklist li::before{content:"";position:absolute;left:0;top:.7rem;width:1.2rem;height:1.2rem;border-radius:50%;background:var(--purple-dk) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24'%3E%3Cpath fill='white' d='m9.5 16.2-4-4 1.4-1.4 2.6 2.6 7-7 1.4 1.4z'/%3E%3C/svg%3E") center/80% no-repeat}

.offer{background:linear-gradient(150deg,var(--navy) 0%,var(--purple-dk) 100%);color:#fff;border-radius:20px;padding:2rem;box-shadow:0 18px 40px rgba(40,30,90,.25);position:relative;overflow:hidden}
.offer::after{content:"";position:absolute;right:-60px;top:-60px;width:180px;height:180px;border-radius:50%;background:rgba(242,201,76,.18)}
.offer-tag{display:inline-block;background:var(--gold-2);color:var(--navy);font-weight:800;font-size:.75rem;text-transform:uppercase;letter-spacing:.12em;padding:.3rem .7rem;border-radius:999px;margin-bottom:1rem}
.offer h3{color:#fff;font-size:1.7rem}
.offer h3 span{color:var(--gold-2)}
.offer p{color:#e7e4f3}
.offer .btn{margin:.4rem 0 1rem}
.fineprint{font-size:.82rem;color:#cfc9e6!important;margin:0}

.steps{list-style:none;padding:0;margin:2rem 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:1.25rem;counter-reset:none}
.steps li{background:#fff;border:1px solid var(--line);border-top:4px solid var(--teal);border-radius:var(--radius);padding:1.6rem 1.4rem;box-shadow:var(--shadow)}
.steps li:nth-child(2){border-top-color:var(--purple)}
.steps li:nth-child(3){border-top-color:var(--gold)}
.steps li:nth-child(4){border-top-color:var(--navy)}
.step-num{display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:.9rem}
.steps h3{font-size:1.08rem}
.steps p{margin:0;color:var(--charcoal);font-size:.98rem}

.resources{display:grid;grid-template-columns:repeat(2,1fr);gap:1rem;margin-top:1.8rem}
.resource{display:flex;align-items:center;gap:1rem;background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:1.2rem 1.3rem;text-decoration:none;color:var(--ink);box-shadow:var(--shadow);transition:transform .15s,border-color .15s}
.resource:hover{transform:translateY(-2px);border-color:var(--teal);color:var(--ink)}
.res-icon{flex:0 0 48px;height:48px;border-radius:12px;background:var(--navy);display:grid;place-items:center}
.res-icon svg{width:26px;height:26px;fill:#fff}
.res-text{display:flex;flex-direction:column;flex:1;min-width:0}
.res-text strong{color:var(--navy);font-size:1.05rem}
.res-text span{color:var(--charcoal);font-size:.92rem;overflow-wrap:anywhere}
.res-action{font-weight:700;color:var(--teal-dk);font-size:.92rem;white-space:nowrap}
.note{margin:1.6rem 0 0;padding:1rem 1.2rem;border-left:4px solid var(--gold-2);background:#fff;border-radius:8px;color:var(--charcoal);font-size:.97rem}

.about{padding:clamp(3rem,6vw,5rem) 0}
.about-grid{display:grid;grid-template-columns:1.3fr 1fr;gap:3rem;align-items:center}
.about h2{font-size:clamp(1.6rem,3vw,2.2rem)}
.about p{color:var(--charcoal)}
.facts{margin:0;background:var(--bg-soft);border-radius:20px;padding:1.6rem 1.8rem;border:1px solid var(--line)}
.facts div{padding:.8rem 0;border-bottom:1px solid var(--line)}
.facts div:last-child{border-bottom:0}
.facts dt{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--teal-dk);font-weight:700}
.facts dd{margin:.2rem 0 0;font-weight:600;color:var(--navy)}

.contact{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:clamp(3rem,6vw,5rem) 0;text-align:center}
.contact h2{color:#fff;font-size:clamp(1.7rem,3.2vw,2.4rem)}
.contact .intro{color:#dbe4f0;margin-inline:auto}
.contact-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1rem;margin:2rem 0 1.5rem}
.contact-card{display:flex;flex-direction:column;gap:.3rem;padding:1.4rem;border-radius:var(--radius);background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.18);color:#fff;text-decoration:none;transition:background .15s}
.contact-card:hover{background:rgba(255,255,255,.16);color:#fff}
.cc-label{font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;color:var(--gold)}
.cc-value{font-weight:700;font-size:1.05rem;overflow-wrap:anywhere}
.contact-address{font-style:normal;color:#c8d4e5}

.site-footer{background:#1f2330;color:#c4c9d6;font-size:.9rem;padding:3rem 0 1.5rem}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:2.5rem}
.footer-title{color:#fff;font-size:1rem;margin-bottom:.8rem}
.site-footer a{color:#e7ecf5}
.site-footer a:hover{color:var(--gold)}
.eho{display:flex;align-items:center;gap:.6rem;margin-top:1rem;color:#fff;font-weight:700;font-size:.78rem;text-transform:uppercase;letter-spacing:.06em;line-height:1.25}
.footer-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:1rem;border-top:1px solid rgba(255,255,255,.12);margin-top:2rem;padding-top:1.2rem}
.footer-bottom p{margin:0}

@media (max-width:980px){
  .steps{grid-template-columns:repeat(2,1fr)}
  .split,.about-grid{grid-template-columns:1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-grid>div:first-child{grid-column:1/-1}
}
@media (max-width:860px){
  .nav-toggle{display:block}
  .site-nav{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 12px 24px rgba(0,0,0,.08);display:none}
  .site-nav.open{display:block}
  .site-nav ul{flex-direction:column;align-items:stretch;gap:0;padding:.5rem 1.25rem 1.25rem}
  .site-nav li a:not(.btn){display:block;padding:.85rem 0;border-bottom:1px solid var(--line)}
  .site-nav .btn{margin-top:1rem;width:100%}
}
@media (max-width:700px){
  body{font-size:1rem}
  .brand img{width:140px}
  .highlight-grid{grid-template-columns:1fr}
  .highlight{border-left:0;border-top:1px solid rgba(255,255,255,.14);padding:1rem 0}
  .highlight:first-child{border-top:0}
  .steps,.resources,.contact-grid,.footer-grid{grid-template-columns:1fr}
  .hero-shade{background:linear-gradient(180deg,rgba(0,32,72,.82),rgba(0,40,88,.66))}
  .hero-actions .btn{flex:1 1 100%}
  .resource{flex-wrap:wrap}
}