:root{
  --navy:#102C4A;
  --blue:#4A8CC2;
  --blue-dark:#2F6C9F;
  --ink:#1B2733;
  --muted:#5B6B7B;
  --line:#DCE4EC;
  --bg:#FFFFFF;
  --bg-soft:#F4F7FA;
  --max:1120px;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Inter",system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.65;font-size:17px}
h1,h2,h3,h4{font-family:"Montserrat","Inter",system-ui,sans-serif;color:var(--navy);line-height:1.2;margin:0 0 .6em}
h1{font-size:clamp(2rem,5vw,3.2rem);font-weight:700;letter-spacing:-.01em}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem);font-weight:700}
h3{font-size:1.15rem;font-weight:600}
p{margin:0 0 1em}
a{color:var(--blue-dark)}
img,svg{max-width:100%}
.wrap{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:100}

/* header */
.site-header{position:sticky;top:0;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);z-index:50}
.nav{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand{display:flex;align-items:center;text-decoration:none;color:var(--navy);font-family:"Montserrat",sans-serif}
.brand .mark{font-weight:800;font-size:1.9rem;letter-spacing:-.02em;line-height:1}
.brand .plus{color:var(--blue);margin-left:2px}
.brand .sub{display:none}
.nav ul{display:flex;gap:28px;list-style:none;margin:0;padding:0;align-items:center}
.nav a.link{text-decoration:none;color:var(--navy);font-weight:500;font-size:.95rem}
.nav a.link:hover,.nav a.link[aria-current="page"]{color:var(--blue-dark)}
.btn{display:inline-block;background:var(--navy);color:#fff;text-decoration:none;padding:13px 24px;border-radius:4px;font-weight:600;font-size:.95rem;border:2px solid var(--navy);cursor:pointer;font-family:inherit}
.btn:hover{background:var(--blue-dark);border-color:var(--blue-dark)}
.btn.ghost{background:transparent;color:var(--navy)}
.btn.ghost:hover{background:var(--navy);color:#fff}
.btn.small{padding:9px 18px}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:4px;padding:8px 12px;font-size:.9rem;color:var(--navy);cursor:pointer}

/* hero */
.hero{padding:96px 0 80px;background:linear-gradient(180deg,var(--bg-soft),#fff)}
.hero .eyebrow,.eyebrow{font-family:"Montserrat",sans-serif;font-size:.78rem;letter-spacing:.18em;text-transform:uppercase;color:var(--blue-dark);font-weight:600;margin-bottom:16px}
.hero p.lead{font-size:1.2rem;color:var(--muted);max-width:680px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}
.page-hero{padding:72px 0 48px;background:var(--bg-soft);border-bottom:1px solid var(--line)}
.page-hero p.lead{font-size:1.15rem;color:var(--muted);max-width:720px;margin:0}

section{padding:72px 0}
section.soft{background:var(--bg-soft)}
.section-head{max-width:700px;margin-bottom:40px}
.section-head p{color:var(--muted)}

/* cards */
.grid{display:grid;gap:24px}
.grid.cols-3{grid-template-columns:repeat(3,1fr)}
.grid.cols-2{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:6px;padding:28px;text-decoration:none;color:inherit;display:block;border-top:3px solid var(--blue)}
a.card:hover{box-shadow:0 8px 24px rgba(16,44,74,.09);transform:translateY(-2px);transition:.15s}
.card p{color:var(--muted);margin:0 0 .8em;font-size:.97rem}
.card .more{color:var(--blue-dark);font-weight:600;font-size:.92rem}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(4,1fr);gap:24px}
.step{counter-increment:s;padding-top:16px;border-top:2px solid var(--navy)}
.step::before{content:"0" counter(s);font-family:"Montserrat",sans-serif;font-weight:700;color:var(--blue);display:block;margin-bottom:6px}
.step p{color:var(--muted);font-size:.95rem}

/* lists */
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:10px 0 10px 30px;position:relative;border-bottom:1px solid var(--line)}
.checks li:last-child{border-bottom:0}
.checks li::before{content:"";position:absolute;left:0;top:19px;width:14px;height:2px;background:var(--blue)}
.two-col{display:grid;grid-template-columns:1fr 1fr;gap:56px}

/* cta band */
.cta-band{background:var(--navy);color:#fff;text-align:center;padding:72px 0}
.cta-band h2{color:#fff}
.cta-band p{color:#C9D6E3;max-width:600px;margin:0 auto 28px}
.cta-band .btn{background:#fff;color:var(--navy);border-color:#fff}
.cta-band .btn:hover{background:var(--blue);border-color:var(--blue);color:#fff}

/* form */
form.contact{display:grid;gap:18px;max-width:640px}
label{font-weight:600;font-size:.92rem;color:var(--navy);display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:12px 14px;border:1px solid #B9C7D6;border-radius:4px;font:inherit;background:#fff;color:var(--ink)}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);outline-offset:1px}
textarea{min-height:150px;resize:vertical}
.note{font-size:.88rem;color:var(--muted)}

/* footer */
.site-footer{background:#0B2036;color:#C9D6E3;padding:56px 0 28px;font-size:.93rem}
.site-footer a{color:#C9D6E3;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}
.site-footer h4{color:#fff;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:14px}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin-bottom:8px}
.legal{border-top:1px solid #23405E;margin-top:40px;padding-top:20px;font-size:.84rem;color:#8FA4B8}

@media (max-width:860px){
  .grid.cols-3,.grid.cols-2,.two-col,.steps,.foot-grid{grid-template-columns:1fr}
  .two-col{gap:32px}
  .menu-btn{display:block}
  .nav ul{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start;padding:20px 24px;gap:16px}
  .nav ul.open{display:flex}
  .hero{padding:64px 0 56px}
  section{padding:56px 0}
}

.brand img{height:36px;width:auto;display:block}
.hero-logo{max-width:420px;width:100%;height:auto;margin:0 0 28px;display:block}
.footer-logo{height:30px;width:auto;filter:brightness(0) invert(1);margin-bottom:14px;display:block}
.disclaimer{font-size:.85rem;color:var(--muted);border-left:3px solid var(--blue);padding-left:14px;margin-top:32px}
.prose h2{margin-top:1.6em;font-size:1.3rem}
.prose{max-width:760px}
.footer-word{font-family:"Montserrat",sans-serif;font-weight:800;font-size:1.8rem;color:#fff;margin-bottom:10px;line-height:1}
.footer-word span{color:var(--blue)}

/* insights */
.post-meta{font-size:.9rem;color:var(--muted);margin-top:14px}
.article{max-width:740px}
.article h2{font-size:1.35rem;margin-top:1.8em}
.article ul,.article ol{padding-left:1.3em;margin:0 0 1em}
.article li{margin-bottom:.5em}
.post-list{display:grid;gap:24px}
.post-card{display:block;text-decoration:none;color:inherit;border:1px solid var(--line);border-top:3px solid var(--blue);border-radius:6px;padding:28px;background:#fff}
.post-card:hover{box-shadow:0 8px 24px rgba(16,44,74,.09)}
.post-card h3{font-size:1.25rem;margin-bottom:.4em}
.post-card p{color:var(--muted);margin:0 0 .6em}
.post-card .date{font-size:.85rem;color:var(--muted)}
.more-posts{margin-top:48px;padding-top:28px;border-top:1px solid var(--line)}
.more-posts a{display:block;margin-bottom:8px}