:root{
  --navy:#02205D;
  --navy-700:#04306F;
  --navy-050:#F2F5FB;
  --teal:#00A19C;
  --teal-700:#00857F;
  --ink:#16233D;
  --muted:#5A6779;
  --line:#DFE5EF;
  --bg:#FFFFFF;
  --max:1120px;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{
  margin:0;background:var(--bg);color:var(--ink);
  font:400 17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif;
  -webkit-font-smoothing:antialiased;
}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration:none}
a:hover{text-decoration:underline}
.wrap{max-width:var(--max);margin:0 auto;padding-left:max(20px,env(safe-area-inset-left));padding-right:max(20px,env(safe-area-inset-right))}
@media (min-width:681px){.wrap{padding-left:max(28px,env(safe-area-inset-left));padding-right:max(28px,env(safe-area-inset-right))}}

/* ---------- header ---------- */
.site-header{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:50}
.hdr{display:flex;align-items:center;justify-content:space-between;gap:24px;padding-top:18px;padding-bottom:18px}
.brand img{width:190px}
.nav{display:flex;gap:30px;align-items:center}
.nav a{color:var(--muted);font-size:15.5px;font-weight:500;letter-spacing:.01em}
.nav a:hover,.nav a[aria-current="page"]{color:var(--navy);text-decoration:none}
.nav a[aria-current="page"]{font-weight:600}
.menu-cb{position:absolute;width:1px;height:1px;margin:0;padding:0;border:0;overflow:hidden;clip:rect(0 0 0 0);clip-path:inset(50%);white-space:nowrap}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:9px 13px;font:inherit;font-size:14px;font-weight:500;color:var(--navy);cursor:pointer;-webkit-user-select:none;user-select:none;-webkit-tap-highlight-color:transparent}
.menu-cb:focus-visible~.menu-btn{outline:2px solid var(--teal);outline-offset:2px}

/* ---------- hero ---------- */
.hero{background:linear-gradient(180deg,var(--navy-050) 0%,#fff 100%);border-bottom:1px solid var(--line)}
.hero-in{padding-top:76px;padding-bottom:68px;max-width:800px}
.eyebrow{display:inline-block;font-size:13px;font-weight:600;letter-spacing:.09em;text-transform:uppercase;color:var(--teal-700);margin:0 0 18px}
h1{font-size:clamp(31px,4.6vw,50px);line-height:1.12;letter-spacing:-.02em;margin:0 0 20px;color:var(--navy)}
.lede{font-size:19px;line-height:1.7;color:var(--muted);margin:0 0 30px;max-width:66ch}

/* ---------- buttons ---------- */
.btn{display:inline-block;padding:13px 26px;border-radius:8px;font-weight:600;font-size:16px;transition:background .15s}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-700);text-decoration:none}
.btn-ghost{border:1px solid var(--line);color:var(--navy);margin-left:10px}
.btn-ghost:hover{border-color:var(--navy);text-decoration:none}

/* ---------- sections ---------- */
section{padding:66px 0}
.section-alt{background:var(--navy-050);border-top:1px solid var(--line);border-bottom:1px solid var(--line)}
h2{font-size:clamp(24px,3vw,32px);line-height:1.25;letter-spacing:-.015em;color:var(--navy);margin:0 0 14px}
h3{font-size:19px;line-height:1.35;color:var(--navy);margin:0 0 10px}
.sub{color:var(--muted);max-width:64ch;margin:0 0 38px;font-size:17.5px}
p{margin:0 0 16px}

/* ---------- grid / cards ---------- */
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px}
.card p:last-child{margin-bottom:0}
.card .tag{display:inline-block;font-size:12px;font-weight:700;letter-spacing:.07em;text-transform:uppercase;color:var(--teal-700);margin-bottom:12px}
.rule{width:38px;height:3px;background:var(--teal);border-radius:2px;margin:0 0 20px}

/* ---------- list ---------- */
.ticks{list-style:none;padding:0;margin:0}
.ticks li{position:relative;padding-left:26px;margin-bottom:11px;color:var(--muted)}
.ticks li::before{content:"";position:absolute;left:0;top:9px;width:9px;height:9px;border-radius:50%;background:var(--teal)}
.ticks li:last-child{margin-bottom:0}

/* ---------- facts strip ---------- */
.facts{display:grid;grid-template-columns:repeat(4,1fr);gap:1px;background:var(--line);border:1px solid var(--line);border-radius:12px;overflow:hidden}
.fact{background:#fff;padding:24px 22px}
.fact dt{font-size:12.5px;font-weight:600;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);margin:0 0 7px}
.fact dd{margin:0;font-size:16.5px;font-weight:600;color:var(--navy)}

/* ---------- data table ---------- */
.data{width:100%;border-collapse:collapse;font-size:16px}
.data th,.data td{text-align:left;padding:15px 0;border-bottom:1px solid var(--line);vertical-align:top}
.data th{width:38%;color:var(--muted);font-weight:600}
.data td{color:var(--ink)}
.data tr:last-child th,.data tr:last-child td{border-bottom:0}

/* ---------- cta ---------- */
.cta{background:var(--navy);color:#fff;border-radius:14px;padding:48px 44px}
.cta h2{color:#fff;margin-bottom:10px}
.cta p{color:#C7D3EA;max-width:56ch;margin-bottom:26px}
.cta .btn-primary{background:var(--teal);color:#fff}
.cta .btn-primary:hover{background:var(--teal-700)}

/* ---------- footer ---------- */
.site-footer{background:var(--navy);color:#AFC0DE;padding:52px 0 30px;font-size:15px}
.site-footer a{color:#E4EBF7}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr;gap:38px;padding-bottom:34px;border-bottom:1px solid rgba(255,255,255,.14)}
.site-footer h4{color:#fff;font-size:14px;letter-spacing:.05em;text-transform:uppercase;margin:0 0 14px}
.site-footer ul{list-style:none;margin:0;padding:0}
.site-footer li{margin-bottom:9px}
.site-footer .legal{padding-top:22px;font-size:13.5px;color:#8FA4C9;line-height:1.7}
.foot-logo{width:170px;background:#fff;border-radius:8px;padding:11px 14px;margin-bottom:18px}

@media (max-width:900px){
  .g3{grid-template-columns:1fr 1fr}
  .facts{grid-template-columns:1fr 1fr}
  .foot-grid{grid-template-columns:1fr 1fr;gap:28px}
}
@media (max-width:680px){
  body{font-size:16px}
  .brand img{width:158px}
  .nav{display:none}
  .menu-cb:checked~.nav{display:flex;position:absolute;top:100%;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;gap:0;padding:8px max(20px,env(safe-area-inset-left)) 18px;box-shadow:0 14px 28px rgba(2,32,93,.10);z-index:60}
  .menu-cb:checked~.nav a{padding:11px 0;width:100%;border-bottom:1px solid var(--line)}
  .menu-cb:checked~.nav a:last-child{border-bottom:0}
  .menu-btn{display:block}
  .menu-cb:checked~.menu-btn{background:var(--navy);border-color:var(--navy);color:#fff}
  .site-header{position:relative}
  .hdr{position:relative}
  .g2,.g3,.facts,.foot-grid{grid-template-columns:1fr}
  .hero-in{padding-top:50px;padding-bottom:44px}
  section{padding:48px 0}
  .cta{padding:34px 26px}
  .btn-ghost{margin-left:0;margin-top:10px}
  .btn{display:block;text-align:center}
  .data th{width:auto;display:block;padding-bottom:2px;border-bottom:0}
  .data td{display:block;padding-top:0}
}