:root{
  --ink:#101828; --ink-2:#475467; --mute:#98a2b3;
  --brand:#0f4c81; --brand-2:#0a3459; --accent:#e8b04b;
  --bg:#fff; --alt:#f7f9fb; --line:#e4e9f0;
  --wrap:1140px; --r:14px;
  --sh-sm:0 1px 2px rgba(16,24,40,.05),0 1px 3px rgba(16,24,40,.04);
  --sh:0 2px 4px rgba(16,24,40,.04),0 8px 24px rgba(16,24,40,.07);
  --sh-lg:0 4px 8px rgba(16,24,40,.05),0 20px 48px rgba(16,24,40,.11);
  --ease:cubic-bezier(.22,1,.36,1);
}
*,*::before,*::after{box-sizing:border-box}*{margin:0}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:90px;overflow-x:clip}
body{font-family:ui-sans-serif,-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;
 font-size:17px;line-height:1.65;color:var(--ink);background:var(--bg);-webkit-font-smoothing:antialiased;overflow-x:clip}
img{display:block;max-width:100%;height:auto}
a{color:var(--brand);text-underline-offset:.18em}
h1,h2,h3{line-height:1.18;font-weight:700;letter-spacing:-.021em;text-wrap:balance}
h1{font-size:clamp(2.1rem,1.4rem+2.6vw,3.4rem)}
h2{font-size:clamp(1.55rem,1.2rem+1.2vw,2.1rem)}
h3{font-size:1.14rem;letter-spacing:-.012em}
p{text-wrap:pretty}
ul,ol{padding-left:1.25em}li+li{margin-top:.4em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:8px;top:8px;padding:10px 16px;background:var(--brand);color:#fff;border-radius:8px;transform:translateY(-160%);transition:transform .15s;z-index:99}
.skip:focus{transform:translateY(0)}
:focus-visible{outline:2px solid var(--accent);outline-offset:3px;border-radius:4px}

/* header */
header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.86);backdrop-filter:saturate(180%) blur(14px);border-bottom:1px solid var(--line)}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:15px 22px;max-width:var(--wrap);margin:0 auto;flex-wrap:wrap}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--ink);font-weight:750;font-size:1.06rem;letter-spacing:-.02em}
.logo svg{width:28px;height:28px;color:var(--brand);flex-shrink:0}
nav ul{display:flex;gap:26px;list-style:none;padding:0;flex-wrap:wrap;align-items:center}
nav li{margin:0}
nav a{text-decoration:none;color:var(--ink-2);font-size:.94rem;font-weight:500;transition:color .2s}
nav a:hover,nav a[aria-current]{color:var(--brand)}
nav a.cta{background:var(--brand);color:#fff;padding:9px 18px;border-radius:99px}
nav a.cta:hover{background:var(--brand-2)}

/* hero */
.hero{position:relative;color:#fff;padding:118px 0 96px;overflow:hidden}
/* Explicit positive stacking. Negative z-index children are fragile: they can
   fall behind an ancestor's background and take the content with them. */
.hero>picture{position:absolute;inset:0;z-index:0}
.hero>picture img{width:100%;height:100%;object-fit:cover}
.hero::after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;
 background:linear-gradient(103deg,rgba(8,32,56,.95) 0%,rgba(8,32,56,.78) 46%,rgba(8,32,56,.42) 100%)}
.hero>.wrap{position:relative;z-index:2}
.hero h1{color:#fff}
.hero .lead{font-size:clamp(1.03rem,.95rem+.4vw,1.2rem);color:rgba(255,255,255,.86);max-width:56ch;margin-top:18px}
.eyebrow{display:inline-flex;align-items:center;gap:9px;font-size:.76rem;font-weight:650;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);margin-bottom:16px}
.eyebrow::before{content:"";width:26px;height:1px;background:currentColor;opacity:.7}
.hero .eyebrow{color:var(--accent)}
.hero-stats{display:flex;flex-wrap:wrap;gap:14px 40px;margin-top:36px;padding-top:26px;border-top:1px solid rgba(255,255,255,.2)}
.hero-stats div b{display:block;font-size:1.6rem;font-weight:700;letter-spacing:-.03em;line-height:1}
.hero-stats div span{font-size:.76rem;letter-spacing:.09em;text-transform:uppercase;color:rgba(255,255,255,.62)}

/* page header (inner pages) */
.phead{background:var(--alt);border-bottom:1px solid var(--line);padding:58px 0 52px}
.phead .lead{font-size:1.1rem;color:var(--ink-2);max-width:60ch;margin-top:14px}
.phead .meta{font-size:.85rem;color:var(--mute);margin-top:16px}

/* buttons */
.btns{display:flex;gap:12px;flex-wrap:wrap;margin-top:30px}
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;background:var(--brand);color:#fff;text-decoration:none;border-radius:99px;font-weight:600;font-size:.95rem;border:1px solid var(--brand);transition:transform .3s var(--ease),background .25s,box-shadow .3s}
.btn:hover{background:var(--brand-2);border-color:var(--brand-2);transform:translateY(-2px);box-shadow:var(--sh)}
.btn.alt{background:rgba(255,255,255,.1);color:#fff;border-color:rgba(255,255,255,.4);backdrop-filter:blur(6px)}
.btn.alt:hover{background:rgba(255,255,255,.2)}
.btn.ghost{background:#fff;color:var(--brand);border-color:var(--line)}
.btn.ghost:hover{background:var(--alt);border-color:var(--brand)}

/* sections */
section{padding:76px 0}
section.alt{background:var(--alt);border-block:1px solid var(--line)}
.shead{max-width:640px;margin-bottom:38px}
.shead p{color:var(--ink-2);margin-top:12px}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(285px,1fr))}

/* service cards with images */
.scard{background:#fff;border:1px solid var(--line);border-radius:var(--r);overflow:hidden;display:flex;flex-direction:column;
 transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.scard:hover{transform:translateY(-5px);box-shadow:var(--sh-lg)}
.scard .ph{aspect-ratio:16/10;overflow:hidden;background:var(--alt)}
.scard .ph img{width:100%;height:100%;object-fit:cover;transition:transform .7s var(--ease)}
.scard:hover .ph img{transform:scale(1.06)}
.scard .bd{padding:22px;display:flex;flex-direction:column;gap:9px;flex:1}
.scard h3{color:var(--brand)}
.scard p{color:var(--ink-2);font-size:.95rem}
.scard ul{margin-top:4px;color:var(--ink-2);font-size:.9rem}

/* plain cards */
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:transform .4s var(--ease),box-shadow .4s var(--ease)}
.card:hover{transform:translateY(-4px);box-shadow:var(--sh)}
.card h3{color:var(--brand);margin-bottom:9px}
.card p{color:var(--ink-2);font-size:.95rem}

/* steps */
ol.steps{list-style:none;padding:0;display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));counter-reset:s}
ol.steps li{margin:0;position:relative;padding-top:52px}
ol.steps li::before{counter-increment:s;content:counter(s);position:absolute;top:0;left:0;width:38px;height:38px;
 display:grid;place-items:center;border-radius:50%;background:var(--brand);color:#fff;font-weight:700;font-size:.92rem}
ol.steps b{display:block;margin-bottom:5px;font-size:1.05rem}
ol.steps span{font-size:.94rem;color:var(--ink-2)}

/* split image + text */
.split{display:grid;gap:clamp(28px,5vw,64px);grid-template-columns:1.05fr .95fr;align-items:center}
.split img{border-radius:var(--r);box-shadow:var(--sh)}
@media(max-width:860px){.split{grid-template-columns:1fr}}

/* faq */
details{border:1px solid var(--line);border-radius:var(--r);padding:18px 22px;background:#fff;margin-bottom:11px;transition:border-color .25s,box-shadow .25s}
details[open]{border-color:var(--brand);box-shadow:var(--sh-sm)}
summary{cursor:pointer;font-weight:600;font-size:1rem}
details p{margin-top:11px;color:var(--ink-2);font-size:.95rem}

/* tables */
table{width:100%;border-collapse:collapse;margin-top:18px;font-size:.93rem}
th,td{text-align:left;padding:12px 14px;border:1px solid var(--line);vertical-align:top}
th{background:var(--alt);font-weight:650}

/* contact */
.cgrid{display:grid;gap:34px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
dl.facts{display:grid;gap:18px;margin-top:20px}
dl.facts dt{font-size:.75rem;text-transform:uppercase;letter-spacing:.1em;color:var(--mute);font-weight:650}
dl.facts dd{margin:4px 0 0}
iframe{width:100%;height:300px;border:1px solid var(--line);border-radius:var(--r)}

/* cta band */
.band{position:relative;color:#fff;text-align:center;padding:88px 0;overflow:hidden}
.band>picture{position:absolute;inset:0;z-index:0}
.band>picture img{width:100%;height:100%;object-fit:cover}
.band::after{content:"";position:absolute;inset:0;z-index:1;pointer-events:none;background:linear-gradient(180deg,rgba(8,32,56,.9),rgba(8,32,56,.94))}
.band>.wrap{position:relative;z-index:2}
.band h2{color:#fff}.band p{color:rgba(255,255,255,.82);margin-top:12px;max-width:52ch;margin-inline:auto}
.band .btns{justify-content:center}

/* legal prose */
.prose{max-width:72ch}
.prose h2{margin-top:40px;padding-top:20px;border-top:1px solid var(--line);font-size:1.28rem}
.prose h3{margin-top:26px;font-size:1.04rem}
.prose p,.prose ul,.prose ol,.prose table{margin-top:13px;color:var(--ink-2)}
.prose strong{color:var(--ink)}
.notice{background:var(--alt);border-left:3px solid var(--accent);padding:16px 20px;border-radius:0 10px 10px 0;margin-top:20px}
.notice p{margin-top:0}

/* footer */
footer{background:#0c1f33;color:#aebdcd;padding:56px 0 26px;font-size:.93rem}
footer a{color:#aebdcd;text-decoration:none}
footer a:hover{color:#fff;text-decoration:underline}
.fgrid{display:grid;gap:34px;grid-template-columns:1.4fr repeat(3,1fr)}
.fgrid h4{color:#fff;font-size:.75rem;text-transform:uppercase;letter-spacing:.11em;margin-bottom:14px}
.fgrid ul{list-style:none;padding:0}.fgrid li{margin:0 0 9px}
.flogo{display:flex;align-items:center;gap:9px;color:#fff;font-weight:700;margin-bottom:12px;text-decoration:none}
.flogo svg{width:24px;height:24px}
.reg{border-top:1px solid rgba(255,255,255,.12);margin-top:38px;padding-top:20px;font-size:.83rem;color:#7d90a5;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap}
@media(max-width:820px){.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:560px){.fgrid{grid-template-columns:1fr}.hdr{gap:12px}nav ul{gap:16px}nav a.cta{display:none}
 section{padding:56px 0}.hero{padding:88px 0 72px}}