:root{
  --navy:#103d73;
  --navy-deep:#082c55;
  --blue:#1f67a6;
  --cyan:#12a9d6;
  --sky:#eaf6fb;
  --ink:#172536;
  --muted:#627184;
  --line:#dfe7ef;
  --soft:#f7fafc;
  --white:#ffffff;
  --shadow:0 18px 45px rgba(15,54,92,.12);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",Arial,sans-serif;color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}
img{max-width:100%;display:block}
.container{width:min(1180px,92%);margin:auto}
.topbar{background:var(--navy-deep);color:#dce9f5;font-size:13px}
.topbar .container{min-height:38px;display:flex;align-items:center;justify-content:flex-end;gap:24px}
.topbar a:hover{color:#fff}
.header{background:#fff;position:sticky;top:0;z-index:100;border-bottom:1px solid #eaf0f5;box-shadow:0 3px 18px rgba(15,54,92,.04)}
.header-row{min-height:91px;display:flex;align-items:center;justify-content:space-between;gap:28px}
.logo img{width:330px;height:auto}
.nav-links{display:flex;align-items:center;gap:23px;font-size:14px;font-weight:700;color:#31455c}
.nav-links a{transition:.2s}
.nav-links a:hover{color:var(--blue)}
.nav-cta{background:linear-gradient(135deg,var(--blue),var(--cyan));color:#fff!important;padding:13px 17px;border-radius:7px;box-shadow:0 8px 20px rgba(31,103,166,.22)}
.menu-btn{display:none;border:0;background:none;font-size:28px;color:var(--navy);cursor:pointer}

.hero{position:relative;overflow:hidden;background:
radial-gradient(circle at 85% 15%,rgba(18,169,214,.22),transparent 30%),
linear-gradient(118deg,#092e58 0%,#0f447d 56%,#1269a4 100%);color:#fff;padding:94px 0 88px}
.hero:before{content:"";position:absolute;right:-150px;bottom:-260px;width:650px;height:650px;border-radius:50%;border:1px solid rgba(255,255,255,.08);box-shadow:0 0 0 70px rgba(255,255,255,.025),0 0 0 140px rgba(255,255,255,.02)}
.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:55px;align-items:center;position:relative;z-index:1}
.eyebrow{display:inline-flex;align-items:center;gap:9px;text-transform:uppercase;letter-spacing:1.8px;font-size:12px;font-weight:800;color:#b9e9f7}
.eyebrow:before{content:"";width:34px;height:2px;background:var(--cyan)}
h1,h2,h3{letter-spacing:-.025em}
.hero h1{font-family:Georgia,"Times New Roman",serif;font-size:62px;line-height:1.03;margin:15px 0 22px;max-width:790px}
.hero-copy{font-size:20px;color:#e3edf6;max-width:700px;margin-bottom:32px}
.actions{display:flex;gap:13px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;border:0;border-radius:7px;padding:14px 20px;font-weight:800;font-size:14px;cursor:pointer;transition:transform .2s,box-shadow .2s}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:linear-gradient(135deg,#13a9d6,#2682bf);color:#fff;box-shadow:0 12px 26px rgba(0,0,0,.18)}
.btn-light{background:#fff;color:var(--navy)}
.btn-outline{border:1px solid rgba(255,255,255,.55);color:#fff;background:rgba(255,255,255,.05)}
.hero-card{background:#fff;color:var(--ink);border-radius:14px;padding:28px;box-shadow:0 25px 60px rgba(0,0,0,.2)}
.hero-card h3{font-size:23px;color:var(--navy);margin:0 0 8px}
.hero-card p{color:var(--muted);font-size:14px;margin:0 0 18px}
.quick-list{display:grid;gap:10px;margin:18px 0 24px}
.quick-list div{background:var(--soft);border:1px solid var(--line);padding:11px 13px;border-radius:7px;font-size:14px;font-weight:700;color:#385069}
.quick-list div:before{content:"✓";color:var(--cyan);font-weight:900;margin-right:9px}

.trustbar{background:#fff;border-bottom:1px solid var(--line)}
.trustgrid{display:grid;grid-template-columns:repeat(4,1fr)}
.trustitem{padding:21px 18px;text-align:center;border-right:1px solid var(--line)}
.trustitem:last-child{border-right:0}
.trustitem strong{display:block;color:var(--navy);font-size:20px}
.trustitem span{font-size:12px;color:var(--muted);text-transform:uppercase;letter-spacing:.8px}

.section{padding:84px 0}
.section.soft{background:var(--soft)}
.section-head{text-align:center;max-width:790px;margin:0 auto 42px}
.kicker{color:var(--blue);font-size:12px;text-transform:uppercase;font-weight:900;letter-spacing:1.8px}
.section h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy-deep);font-size:42px;line-height:1.15;margin:8px 0 14px}
.section-head p{color:var(--muted);font-size:17px;margin:0}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:30px;box-shadow:0 10px 28px rgba(14,52,91,.07);transition:.22s}
.card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.icon{width:48px;height:48px;border-radius:11px;background:linear-gradient(145deg,#e9f8fc,#d9eef9);display:grid;place-items:center;color:var(--blue);font-size:23px;margin-bottom:19px}
.card h3{font-size:23px;color:var(--navy);margin:0 0 11px}
.card p{color:var(--muted);margin:0 0 17px}
.text-link{color:var(--blue);font-weight:800;font-size:14px}

.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.panel{background:linear-gradient(145deg,#eaf7fb,#f7fbfd);border:1px solid #d8ebf3;border-radius:16px;padding:36px}
.panel h3{font-size:30px;font-family:Georgia,serif;color:var(--navy);margin-top:0}
.checks{list-style:none;padding:0;margin:24px 0 0}
.checks li{position:relative;padding:10px 0 10px 30px;border-bottom:1px solid #dbe6ed;color:#405365}
.checks li:before{content:"✓";position:absolute;left:0;color:var(--cyan);font-weight:900}

.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}
.step{position:relative;background:#fff;border:1px solid var(--line);border-radius:12px;padding:28px 24px 24px}
.num{width:38px;height:38px;display:grid;place-items:center;border-radius:50%;background:var(--navy);color:#fff;font-weight:900;margin-bottom:14px}
.step h3{font-size:19px;color:var(--navy);margin:0 0 7px}
.step p{font-size:14px;color:var(--muted);margin:0}

.cta{background:linear-gradient(120deg,#082c55,#0d4c88);color:#fff;padding:68px 0}
.cta-row{display:flex;align-items:center;justify-content:space-between;gap:35px}
.cta h2{font-family:Georgia,serif;font-size:39px;margin:0 0 10px}
.cta p{color:#dbe8f4;margin:0;max-width:760px}
.review{max-width:900px;margin:auto;background:#fff;border:1px solid var(--line);border-radius:14px;padding:38px;text-align:center;box-shadow:var(--shadow)}
.stars{color:#f5b21b;font-size:24px;letter-spacing:4px}
.review blockquote{font-family:Georgia,serif;color:#334b63;font-size:22px;line-height:1.55;margin:18px 0}

.page-hero{background:linear-gradient(125deg,#092e58,#155c97);color:#fff;padding:68px 0}
.page-hero h1{font-family:Georgia,serif;font-size:48px;margin:10px 0 12px}
.page-hero p{color:#dce9f4;font-size:18px;max-width:800px}
.content{padding:72px 0}
.narrow{max-width:900px;margin:auto}
.content h2{font-family:Georgia,serif;font-size:32px;color:var(--navy);margin:38px 0 12px}
.content h3{color:var(--navy)}
.content p,.content li{color:#526274}
.notice{background:#eef8fc;border:1px solid #cee7f2;border-left:4px solid var(--cyan);padding:18px 20px;border-radius:7px;margin:24px 0}
.form{display:grid;gap:14px}
.form input,.form textarea,.form select{width:100%;border:1px solid #ccd8e2;border-radius:7px;padding:14px 15px;font:inherit}
.form textarea{min-height:145px}
.form-row{display:grid;grid-template-columns:1fr 1fr;gap:14px}
.los-box{padding:52px 25px;border:2px dashed #a8c7d8;background:#f8fcfe;text-align:center;border-radius:12px;color:#617487}

footer{background:#061f3c;color:#bdccda;padding:52px 0 26px}
.footer-grid{display:grid;grid-template-columns:1.65fr 1fr 1fr;gap:45px}
.footer-logo{background:#fff;border-radius:8px;padding:8px 10px;display:inline-block}
.footer-logo img{width:280px}
footer h4{color:#fff;margin:0 0 14px}
footer a{display:block;margin:8px 0;color:#bdccda;font-size:14px}
footer a:hover{color:#fff}
.footer-note{max-width:520px;font-size:14px;margin-top:18px}
.copy{border-top:1px solid rgba(255,255,255,.11);margin-top:38px;padding-top:20px;font-size:12px;color:#8ea4b8}

@media(max-width:980px){
 .nav-links{display:none;position:absolute;top:91px;left:0;right:0;background:#fff;padding:20px 4%;border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}
 .nav-links.open{display:flex}
 .menu-btn{display:block}
 .logo img{width:285px}
 .hero-grid,.split{grid-template-columns:1fr}
 .hero-card{max-width:620px}
 .hero h1{font-size:49px}
 .cards,.steps{grid-template-columns:1fr 1fr}
 .trustgrid{grid-template-columns:1fr 1fr}
 .trustitem:nth-child(2){border-right:0}
 .footer-grid{grid-template-columns:1fr}
}
@media(max-width:620px){
 .topbar{display:none}
 .header-row{min-height:78px}
 .logo img{width:235px}
 .nav-links{top:78px}
 .hero{padding:70px 0 64px}
 .hero h1{font-size:39px}
 .hero-copy{font-size:17px}
 .cards,.steps,.trustgrid,.form-row{grid-template-columns:1fr}
 .trustitem{border-right:0;border-bottom:1px solid var(--line)}
 .section{padding:64px 0}
 .section h2{font-size:34px}
 .cta-row{display:block}
 .cta .btn{margin-top:24px}
}

/* ---- SEO / accessibility additions ---- */
.skip-link{position:absolute;left:-999px;top:8px;background:#fff;color:var(--navy);padding:10px 14px;border-radius:6px;z-index:200;font-weight:800}
.skip-link:focus{left:8px}
a:focus-visible,button:focus-visible,summary:focus-visible{outline:3px solid var(--cyan);outline-offset:3px;border-radius:4px}
.crumbs{font-size:13px;color:#b9d3ea;margin-bottom:6px}
.crumbs a{color:#dce9f4;text-decoration:underline;text-underline-offset:3px}
.crumbs span[aria-current]{color:#fff}
.hero-lead{font-size:20px;color:#e3edf6;max-width:720px;margin:0 0 14px}
.hero-sub{font-size:16px;color:#b9d3ea;max-width:720px;margin:0 0 30px}
.hero-sub a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.table-wrap{overflow-x:auto;border:1px solid var(--line);border-radius:12px;background:#fff;box-shadow:0 10px 28px rgba(14,52,91,.07)}
table.compare{width:100%;border-collapse:collapse;font-size:15px;min-width:640px}
.compare caption{text-align:left;padding:16px 20px;font-weight:800;color:var(--navy);caption-side:top}
.compare th,.compare td{padding:15px 20px;text-align:left;border-top:1px solid var(--line);vertical-align:top}
.compare thead th{background:var(--navy);color:#fff;border-top:0;font-size:13px;letter-spacing:.4px}
.compare tbody th{color:var(--navy);font-weight:800}
.compare tbody th a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
.compare td{color:#526274}
.who{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.who-item{background:#fff;border:1px solid var(--line);border-left:4px solid var(--cyan);border-radius:10px;padding:22px 24px}
.who-item h3{margin:0 0 6px;font-size:19px;color:var(--navy)}
.who-item p{margin:0;color:var(--muted);font-size:15px}
.prose{max-width:820px;margin:0 auto}
.prose h2{text-align:left!important}
.prose p{color:#526274;font-size:17px}
.prose a,.faq-a a{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.faq-list{max-width:900px;margin:0 auto;display:grid;gap:12px}
.faq-list details{background:#fff;border:1px solid var(--line);border-radius:10px;padding:0 22px}
.faq-list summary{cursor:pointer;list-style:none;padding:19px 28px 19px 0;font-weight:800;font-size:18px;color:var(--navy);position:relative}
.faq-list summary::-webkit-details-marker{display:none}
.faq-list summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:26px;color:var(--cyan);font-weight:400}
.faq-list details[open] summary:after{content:"\2212"}
.faq-a{padding:0 0 20px;color:#526274}
.faq-a p{margin:0 0 10px}
.related{margin-top:44px;padding-top:26px;border-top:1px solid var(--line)}
.related h2{margin-top:0!important;font-size:24px!important}
.related ul{list-style:none;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.related a{display:inline-block;border:1px solid var(--line);background:var(--soft);color:var(--navy);padding:10px 15px;border-radius:7px;font-weight:700;font-size:14px}
.related a:hover{border-color:var(--cyan)}
.contact-line{font-size:15px;color:#b9d3ea;margin-top:6px}
.contact-line a{color:#fff;text-decoration:underline;text-underline-offset:3px}
@media(max-width:980px){.who{grid-template-columns:1fr}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.btn,.card{transition:none}}

/* ---- live-content additions ---- */
.partners{display:flex;gap:16px;flex-wrap:wrap;justify-content:center}
.partners a{border:1px solid var(--line);background:#fff;border-radius:10px;padding:18px 28px;font-weight:800;color:var(--navy);text-align:center;min-width:200px}
.partners a:hover{border-color:var(--cyan)}
.partners small{display:block;font-weight:500;color:var(--muted);font-size:13px;margin-top:2px}
.wire{margin-top:18px;padding:14px 16px;border:1px solid rgba(255,255,255,.2);border-radius:8px;font-size:13px;color:#c8d9ea;line-height:1.55}
.cookie{position:fixed;left:16px;right:16px;bottom:16px;max-width:780px;margin:0 auto;background:#fff;color:#33475b;border:1px solid #cfdbe6;border-radius:12px;box-shadow:0 14px 40px rgba(8,44,85,.25);padding:16px 18px;display:flex;gap:16px;align-items:center;z-index:300;font-size:14px}
.cookie[hidden]{display:none}
.cookie strong{color:#0e345b;display:block;margin-bottom:2px}
.cookie button{flex:none;background:#155c97;color:#fff;border:0;border-radius:7px;padding:11px 20px;font-weight:800;cursor:pointer;font:inherit;font-weight:800}
.about-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:44px;align-items:start}
.about-photo{width:100%;height:auto;border-radius:14px;border:1px solid var(--line);background:#eaf2f8}
.dl-list{list-style:none;padding:0;display:grid;gap:12px;margin:22px 0}
.dl-list a{display:flex;justify-content:space-between;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-left:4px solid var(--cyan);border-radius:10px;padding:16px 20px;font-weight:800;color:var(--navy)}
.dl-list a span{font-weight:700;color:var(--blue);font-size:14px}
.dl-list a:hover{border-color:var(--cyan)}
.jump{display:flex;gap:10px;flex-wrap:wrap;margin:0 0 8px}
.jump a{border:1px solid var(--line);background:var(--soft);color:var(--navy);padding:10px 15px;border-radius:7px;font-weight:700;font-size:14px}
.faq-sec{scroll-margin-top:90px}
.faq-a ul{margin:6px 0 10px;padding-left:20px}
.faq-a h4{margin:14px 0 6px;color:var(--navy)}
.content h3{font-size:21px;margin:26px 0 8px}
.content ul{padding-left:22px}
.hero-actions{margin-top:26px}
.review-note{max-width:820px;margin:0 auto 26px;text-align:center;color:#526274;font-size:17px}
@media(max-width:980px){.about-grid{grid-template-columns:1fr}.cookie{flex-direction:column;align-items:stretch}}

/* steps4 */
@media(max-width:980px){.steps[style*="repeat(4"]{grid-template-columns:1fr 1fr!important}}
@media(max-width:620px){.steps[style*="repeat(4"]{grid-template-columns:1fr!important}}

/* ---- clean layout v2 ---- */
body{line-height:1.7}
.header-row{min-height:78px}.logo img{width:270px}
.nav-links{gap:22px}
.hero{padding:80px 0 76px}
.hero:before{display:none}
.hero h1{font-size:54px;line-height:1.08;margin:14px 0 20px;max-width:880px}
.hero-lead{font-size:20px;max-width:760px;margin:0 0 12px}
.hero-sub{font-size:15px;color:#b9d3ea;margin:22px 0 0}
.trustbar{background:var(--soft)}
.trustitem{padding:18px 14px}
.trustitem strong{font-size:18px}
.section{padding:72px 0}
.section h2{font-size:34px;margin:6px 0 12px}
.section-head{margin-bottom:34px}
.card{box-shadow:none;border-radius:10px;padding:26px 26px 22px}
.card:hover{transform:none;box-shadow:0 8px 24px rgba(14,52,91,.08)}
.card h3{font-size:21px}
.card p{font-size:15.5px;margin-bottom:14px}
.icon{display:none}
.steps{gap:14px}
.step{border-radius:10px;padding:22px 22px 18px;border-color:var(--line)}
.step h3{font-size:17px}
.step p{font-size:14.5px}
.num{width:32px;height:32px;font-size:14px;margin-bottom:10px}
.cta{padding:56px 0}
.cta h2{font-size:32px}
.panel{box-shadow:none}
.panel h3{font-size:26px}
.review{box-shadow:none;border-radius:12px;padding:30px}
.page-hero{padding:46px 0 42px}
.page-hero h1{font-size:40px;line-height:1.12;margin:8px 0 10px;max-width:900px}
.page-hero p{font-size:18px;margin:0}
.page-hero .hero-actions{margin-top:22px}
.content{padding:56px 0 72px}
.content h2{font-size:28px;margin:44px 0 10px;line-height:1.2}
.content h2:first-child{margin-top:0}
.content p,.content li{font-size:16.5px}
.content ul{padding-left:20px}
.content li{margin:5px 0}
.notice{background:var(--soft);border:1px solid var(--line);border-left:4px solid var(--cyan);margin:28px 0}
.container.doc{display:grid;grid-template-columns:220px minmax(0,1fr);gap:64px;align-items:start}
.doc-body{max-width:760px;min-width:0}
.toc{position:sticky;top:104px;font-size:14px;padding-left:16px;border-left:2px solid var(--line)}
.toc strong{display:block;color:var(--navy);font-size:12px;letter-spacing:1.4px;text-transform:uppercase;margin-bottom:10px}
.toc ol{list-style:none;margin:0;padding:0}
.toc li{margin:0}
.toc a{display:block;padding:6px 0;color:#52667b;font-weight:600;line-height:1.35}
.toc a:hover{color:var(--blue)}
.info-group{display:grid;gap:10px;margin:14px 0 6px}
details.info{border:1px solid var(--line);border-radius:10px;background:#fff;padding:0 18px}
details.info summary{cursor:pointer;list-style:none;padding:15px 26px 15px 0;font-weight:800;color:var(--navy);position:relative;font-size:16px}
details.info summary::-webkit-details-marker{display:none}
details.info summary:after{content:"+";position:absolute;right:0;top:50%;transform:translateY(-50%);font-size:22px;color:var(--cyan);font-weight:400}
details.info[open] summary:after{content:"\2212"}
details.info ul{margin:0 0 16px}
.who{gap:30px 56px}
.who-item{background:none;border:0;border-top:2px solid var(--line);border-radius:0;padding:16px 0 0}
.who-item h3{font-size:18px}
.faq-list summary{font-size:17px;padding:17px 28px 17px 0}
.table-wrap{box-shadow:none}
.related{margin-top:48px}
.lede{font-size:19px;color:#425468;max-width:820px;margin:0 auto}
.lede a{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.rev-strip{text-align:center;max-width:720px;margin:0 auto}
.rev-strip .stars{font-size:26px}
.rev-strip h2{margin-top:10px!important}
.rev-strip p{color:var(--muted);font-size:17px}
.mini-links{display:flex;gap:10px 14px;flex-wrap:wrap;justify-content:center;margin-top:8px}
.mini-links a{border:1px solid var(--line);background:#fff;color:var(--navy);padding:9px 14px;border-radius:7px;font-weight:700;font-size:14px}
.mini-links a:hover{border-color:var(--cyan)}
.partner-strip{padding:34px 0;border-top:1px solid var(--line);text-align:center;color:var(--muted);font-size:14px}
.partner-strip a{color:var(--navy);font-weight:800;margin:0 14px}
.partner-strip a:hover{color:var(--blue)}
.footer-grid{grid-template-columns:1.6fr 1fr 1fr}
footer{padding:46px 0 24px}
.wire{font-size:12.5px;padding:12px 14px}
.cookie{padding:12px 16px;font-size:13px;max-width:720px}
@media(max-width:980px){
 .footer-grid{grid-template-columns:1fr}
 .container.doc{grid-template-columns:1fr}
 .toc{display:none}
 .hero h1{font-size:40px}
 .page-hero h1{font-size:33px}
 .section h2{font-size:29px}
 .section{padding:56px 0}
}

/* ---- google reviews (Featurable widget) ---- */
.rev-head .stars{font-size:26px}
.reviews-widget{max-width:1100px;margin:0 auto;min-height:120px}

/* ---- photos & hero carousel ---- */
.hero.has-photo{background:#092e58}
.hero-bg{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;object-position:center 60%}
.hero.has-photo:after{content:"";position:absolute;inset:0;background:linear-gradient(100deg,rgba(7,36,70,.93) 0%,rgba(9,46,88,.82) 45%,rgba(15,68,125,.45) 100%)}
.hero-in{position:relative;z-index:1}
.card{overflow:hidden}
.card-img{display:block;width:calc(100% + 52px);max-width:none;height:auto;aspect-ratio:4/3;object-fit:cover;margin:-26px -26px 20px;background:#dbe7f2}
.cta.has-photo{position:relative;background:#082c55 url(images/investor-track.webp) center 40%/cover no-repeat}
.cta.has-photo:before{content:"";position:absolute;inset:0;background:linear-gradient(110deg,rgba(7,40,78,.94),rgba(10,62,112,.82))}
.cta.has-photo .container{position:relative}
.about-photo{aspect-ratio:4/3;object-fit:cover}
.hero-split{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(0,.85fr);gap:44px;align-items:center}
.carousel{position:relative;border-radius:12px;overflow:hidden;box-shadow:0 18px 44px rgba(0,0,0,.28);background:#0a2f57;aspect-ratio:4/3}
.slides{position:absolute;inset:0}
.slide{position:absolute;inset:0;margin:0;opacity:0;transition:opacity .8s ease;visibility:hidden}
.slide.is-active{opacity:1;visibility:visible}
.slide img{width:100%;height:100%;object-fit:cover;display:block}
.car-ctrl{position:absolute;right:12px;bottom:12px;display:flex;gap:6px}
.car-btn{width:38px;height:38px;border-radius:50%;border:1px solid rgba(255,255,255,.7);background:rgba(7,36,70,.72);color:#fff;font-size:20px;line-height:1;cursor:pointer;display:grid;place-items:center;padding:0}
.car-btn:hover{background:rgba(7,36,70,.95)}
.car-btn:focus-visible{outline:3px solid #fff;outline-offset:2px}
.car-btn[data-toggle]{font-size:11px;letter-spacing:-1px}
@media(prefers-reduced-motion:reduce){.slide{transition:none}}
@media(max-width:980px){.hero-split{grid-template-columns:1fr;gap:28px}.carousel{aspect-ratio:16/10}.card-img{margin:-26px -26px 18px}}

/* ---- home hero: text on photo, actions below ---- */
.hero.has-photo{display:flex;align-items:flex-end;min-height:600px;padding:0 0 70px;text-align:center}
.hero.has-photo .hero-in{width:min(1000px,92%)}
.hero.has-photo .hero-bg{object-position:center 55%}
.hero.has-photo:after{background:linear-gradient(180deg,rgba(7,36,70,.30) 0%,rgba(7,36,70,.35) 35%,rgba(7,36,70,.80) 100%)}
.hero.has-photo h1{font-size:54px;line-height:1.1;margin:0 auto 18px;max-width:900px;text-shadow:0 2px 18px rgba(0,0,0,.45)}
.hero.has-photo .hero-lead{margin:0 auto;max-width:760px;font-size:21px;color:#fff;text-shadow:0 1px 12px rgba(0,0,0,.5)}
.hero.has-photo .hero-lead a{color:#fff;text-decoration:underline;text-underline-offset:3px}
.hero-actions-band{background:#fff;padding:34px 0 30px;text-align:center;border-bottom:1px solid var(--line)}
.hero-actions-band .actions{display:flex;gap:14px;justify-content:center;flex-wrap:wrap}
.btn-outline-dark{border:1px solid var(--navy);color:var(--navy);background:#fff}
.btn-outline-dark:hover{background:#eef5fb}
.hero-sub-dark{margin:18px 0 0;font-size:15px;color:var(--muted)}
.hero-sub-dark a{color:var(--navy);font-weight:700;text-decoration:underline;text-underline-offset:3px}
@media(max-width:980px){.hero.has-photo{min-height:460px;padding-bottom:40px}.hero.has-photo h1{font-size:34px}.hero.has-photo .hero-lead{font-size:17px}}
.hero-sub-dark a{white-space:nowrap}

/* ---- CTA band photo: zoomed out, lighter tint ---- */
.cta.has-photo{display:flex;align-items:center;min-height:480px;padding:70px 0;background:#082c55 url(images/investor-track.webp) center 30%/cover no-repeat}
.cta.has-photo:before{background:linear-gradient(100deg,rgba(7,40,78,.88) 0%,rgba(7,40,78,.62) 45%,rgba(10,62,112,.18) 100%)}
.cta.has-photo .cta-row{width:min(1180px,92%)}
.cta.has-photo .btn{white-space:nowrap}
.cta.has-photo h2,.cta.has-photo p{text-shadow:0 1px 14px rgba(0,0,0,.45)}
@media(max-width:980px){.cta.has-photo{min-height:0;padding:56px 0}.cta.has-photo:before{background:linear-gradient(180deg,rgba(7,40,78,.82),rgba(7,40,78,.6))}}

/* ---- thank-you page ---- */
.ty-grid{display:grid;grid-template-columns:minmax(0,1.2fr) minmax(0,.8fr);gap:56px;align-items:start}
.ty-main h2{font-family:Georgia,serif;font-size:34px;color:var(--navy);margin:0 0 12px}
.ty-lede{font-size:19px;color:var(--muted);margin:0 0 28px}
.ty-steps{list-style:none;counter-reset:ty;padding:0;margin:0 0 30px}
.ty-steps li{counter-increment:ty;position:relative;padding:0 0 22px 54px}
.ty-steps li:before{content:counter(ty);position:absolute;left:0;top:0;width:36px;height:36px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;display:grid;place-items:center}
.ty-steps li:not(:last-child):after{content:"";position:absolute;left:17px;top:40px;bottom:6px;width:2px;background:var(--line)}
.ty-steps strong{display:block;color:var(--navy);font-size:18px;margin-bottom:3px}
.ty-steps span{color:var(--muted)}
.ty-steps a{color:var(--blue);font-weight:700}
.ty-card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:18px 18px 24px;text-align:center;box-shadow:0 10px 28px rgba(14,52,91,.07)}
.ty-card img{display:block;width:100%;max-width:520px;height:auto;margin:0 auto 18px;border-radius:8px}
.ty-card p{margin:0 0 6px;color:var(--muted)}
.ty-contact{font-size:18px;font-weight:700;line-height:1.6}
.ty-contact a{color:var(--navy)}
@media(max-width:980px){.ty-grid{grid-template-columns:1fr;gap:34px}.ty-main h2{font-size:29px}}

/* ---- about page ---- */
.ab-grid{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.1fr);gap:56px;align-items:start}
.ab-photo{margin:0;position:sticky;top:110px}
.ab-photo img{display:block;width:100%;height:auto;border-radius:12px;box-shadow:0 18px 44px rgba(14,52,91,.18)}
.ab-photo figcaption{margin-top:12px;font-size:14px;color:var(--muted);text-align:center}
.ab-text h2,.ab-close h2{font-family:Georgia,serif;font-size:32px;color:var(--navy);margin:0 0 12px}
.ab-text h2:not(:first-child){margin-top:38px}
.ab-text p{color:#405365;font-size:17px;line-height:1.7;margin:0 0 16px}
.ab-cheers{font-family:Georgia,serif;font-style:italic;font-size:22px;color:var(--navy);margin:0 0 24px}
@media(max-width:980px){.ab-grid{grid-template-columns:1fr;gap:30px}.ab-photo{position:static}.ab-text h2,.ab-close h2{font-size:28px}}

.ab-summary{font-size:19px;line-height:1.65;color:var(--navy);font-weight:500;padding-left:18px;border-left:4px solid var(--cyan);margin:0 0 30px}
/* product page hero photo */
.hero-photo{margin:0;border-radius:12px;overflow:hidden;box-shadow:0 18px 44px rgba(0,0,0,.28);background:#0a2f57;aspect-ratio:3/2}
.hero-photo img{display:block;width:100%;height:100%;object-fit:cover}
@media(max-width:980px){.hero-photo{aspect-ratio:16/10}}
.doc-body table.compare{min-width:0}.doc-body .compare caption{padding-left:0}.small-note{font-size:14px;color:#526274;margin-top:10px}
.doc-body .faq-list{display:grid;gap:12px;margin:18px 0}
/* closed deals */
.deals{display:grid;gap:22px;margin:22px 0}
.deal{border:1px solid var(--line);border-radius:14px;overflow:hidden;background:#fff;box-shadow:0 8px 24px rgba(8,44,85,.08)}
.deal-head{display:flex;align-items:center;gap:16px;padding:18px 24px;background:linear-gradient(120deg,#082c55,#1566a8);color:#fff}
.deal-num{flex:none;display:inline-flex;align-items:center;justify-content:center;width:64px;height:64px;border-radius:50%;background:rgba(255,255,255,.14);border:2px solid rgba(255,255,255,.4);font-weight:800;font-size:13px;text-align:center;line-height:1.1;padding:6px}
.doc-body .deal-head h3{margin:0 0 6px;color:#fff;font-size:20px}
.deal-tag{display:inline-block;background:#22b8e8;color:#04243f;font-weight:800;font-size:12px;letter-spacing:.3px;padding:4px 10px;border-radius:999px}
.deal-body{padding:22px 24px 24px}
.deal-metrics{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:16px 24px;margin:0 0 22px}
.deal-metrics dt{font-size:12px;font-weight:700;letter-spacing:.4px;text-transform:uppercase;color:#526274}
.deal-metrics dd{margin:3px 0 0;font-size:18px;font-weight:800;color:var(--navy)}
.bar-track{display:flex;height:16px;border-radius:999px;overflow:hidden;background:#e6eef6}
.bar-track span,.bar-legend i{display:block}
.b1{background:#082c55}.b2{background:#22b8e8}.b3{background:#c9d8e8}
.bar-legend{display:flex;flex-wrap:wrap;gap:6px 18px;margin-top:10px;font-size:13px;color:#526274}
.bar-legend span{display:inline-flex;align-items:center;gap:7px}
.bar-legend i{width:12px;height:12px;border-radius:3px}
@media(max-width:560px){.deal-head,.deal-body{padding-left:18px;padding-right:18px}.deal-num{width:54px;height:54px}}
.deal-body{display:grid;grid-template-columns:minmax(0,.9fr) minmax(0,1.3fr);gap:22px 26px;align-items:start}
.deal-photo{margin:0;border-radius:10px;overflow:hidden;aspect-ratio:4/3;background:#dbe7f2}
.deal-photo img{display:block;width:100%;height:100%;object-fit:cover}
.deal-body .deal-metrics{margin:0;grid-template-columns:repeat(2,minmax(0,1fr))}
.deal-body .deal-metrics dd{font-size:17px}
.deal-bar{grid-column:1/-1}
@media(max-width:700px){.deal-body{grid-template-columns:1fr}}
.deal-photo{position:relative}
.photo-tag{position:absolute;left:10px;top:10px;z-index:1;background:rgba(8,44,85,.88);color:#fff;font-size:12px;font-weight:800;letter-spacing:.3px;padding:5px 10px;border-radius:999px}
.deal-nophoto .deal-body{grid-template-columns:1fr}
.deal-nophoto .deal-metrics{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
/* a11y: heading-order fixes keep the original look */
footer h2.fh{font-family:inherit;font-size:16px;font-weight:700;line-height:1.7;letter-spacing:normal;text-transform:none;color:#fff;margin:0 0 14px}
.card h2.ch{font-family:inherit;font-size:21px;font-weight:700;line-height:1.7;letter-spacing:-.025em;color:var(--navy);margin:0 0 11px}
/* commercial page */
.chip-grid{list-style:none;padding:0;margin:18px 0;display:grid;grid-template-columns:repeat(auto-fill,minmax(220px,1fr));gap:10px}
.chip-grid li{background:var(--soft);border:1px solid var(--line);border-radius:9px;padding:12px 14px;font-weight:700;color:var(--navy);font-size:15px;position:relative;padding-left:34px}
.chip-grid li:before{content:"\2713";position:absolute;left:13px;color:var(--cyan);font-weight:900}
/* home: four program cards, 2x2 on desktop */
.cards.cards-4{grid-template-columns:repeat(2,1fr)}
@media (max-width:760px){.cards.cards-4{grid-template-columns:1fr}}

/* ---- Blog ---- */
.crumbs{font-size:13px;color:#b9d3ea;margin-bottom:14px}.crumbs a{color:#fff;text-decoration:underline;text-underline-offset:3px}.crumbs span{margin:0 4px}
.post-hero h1{font-size:42px;line-height:1.16}
.post-dek{font-size:19px!important;color:#e4eef8!important;max-width:620px}
.post-meta{display:flex;flex-wrap:wrap;gap:6px 10px;font-size:14px!important;color:#b9d3ea!important;margin:18px 0 0!important;align-items:center}
.post-body{font-size:17.5px;line-height:1.78;color:#2b3b4e}
.post-body>*:first-child{margin-top:0}
.post-body p{margin:0 0 18px;font-size:17.5px}
.post-body h2{font-family:Georgia,"Times New Roman",serif;color:var(--navy-deep);font-size:30px;line-height:1.22;margin:46px 0 14px;scroll-margin-top:110px}
.post-body h3{font-size:21px;color:var(--navy);margin:30px 0 10px}
.post-body ul,.post-body ol{margin:0 0 22px;padding-left:24px}
.post-body li{margin:8px 0;font-size:17.5px}
.post-body li::marker{color:var(--blue);font-weight:800}
.post-body a{color:var(--blue);font-weight:700;text-decoration:underline;text-underline-offset:3px}
.post-body blockquote{margin:26px 0;padding:18px 24px;background:var(--sky);border-left:4px solid var(--cyan);border-radius:0 10px 10px 0;color:var(--navy);font-size:19px;font-family:Georgia,serif}
.post-body blockquote p{margin:0;font-size:inherit}
.post-body img{max-width:100%;height:auto;border-radius:10px}
.post-body .table-wrap{margin:24px 0}
.post-body .notice{margin-top:40px}
.post-body .btn{color:#fff;text-decoration:none}
.after-post .section-head{text-align:center;margin-bottom:26px}
.prog-links{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:20px}
.prog-link{display:flex;flex-direction:column;gap:8px;background:#fff;border:1px solid var(--line);border-top:4px solid var(--cyan);border-radius:12px;padding:24px;box-shadow:0 10px 28px rgba(14,52,91,.07);transition:.22s}
.prog-link:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.prog-link strong{color:var(--navy);font-size:19px}.prog-link span{color:var(--muted);font-size:15px;flex:1}.prog-link em{font-style:normal;color:var(--blue);font-weight:800;font-size:14px}
.blog-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post-card{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);border-radius:14px;overflow:hidden;box-shadow:0 10px 28px rgba(14,52,91,.07);transition:.22s}
.post-card:hover{transform:translateY(-4px);box-shadow:var(--shadow)}
.post-card[hidden],.featured[hidden]{display:none}
.pc-img{display:block;aspect-ratio:3/2;overflow:hidden;background:#dbe7f2}
.pc-img img{display:block;width:100%;height:100%;object-fit:cover;transition:transform .5s}
.post-card:hover .pc-img img,.featured:hover .pc-img img{transform:scale(1.04)}
.pc-body{display:flex;flex-direction:column;padding:24px 26px 26px;flex:1}
.pc-meta{display:flex;flex-wrap:wrap;align-items:center;gap:6px 12px;font-size:13px;color:var(--muted);margin-bottom:10px}
.tag{background:var(--sky);color:var(--blue);font-weight:800;font-size:11.5px;letter-spacing:.9px;text-transform:uppercase;padding:4px 10px;border-radius:99px}
.post-card h3{font-size:20px;line-height:1.3;margin:0 0 10px;font-family:Georgia,serif}
.post-card h3 a{color:var(--navy)}.post-card h3 a:hover{color:var(--blue)}
.post-card p{color:var(--muted);font-size:15px;margin:0 0 16px;flex:1}
.featured{display:grid;grid-template-columns:1.05fr 1fr;background:#fff;border:1px solid var(--line);border-radius:16px;overflow:hidden;box-shadow:var(--shadow);margin-bottom:38px}
.featured .pc-img{aspect-ratio:auto;min-height:340px}
.featured .pc-body{padding:40px 42px;justify-content:center}
.featured h2{font-family:Georgia,serif;font-size:32px;line-height:1.2;margin:0 0 14px}
.featured h2 a{color:var(--navy-deep)}
.featured p{color:var(--muted);font-size:17px;margin:0 0 22px}
.featured .btn{align-self:flex-start}
.chips{display:flex;flex-wrap:wrap;gap:10px;margin:0 0 28px}
.chip{border:1px solid var(--line);background:#fff;color:var(--navy);font:700 14px/1 inherit;font-family:inherit;padding:11px 17px;border-radius:99px;cursor:pointer;transition:.18s}
.chip:hover{border-color:var(--cyan)}
.chip.is-active{background:var(--navy);border-color:var(--navy);color:#fff}
.blog-empty{text-align:center;color:var(--muted)}
.cta-band{background:linear-gradient(125deg,#092e58,#155c97);color:#fff;padding:54px 0}
.cta-band .container{display:flex;align-items:center;justify-content:space-between;gap:30px}
.cta-band h2{font-family:Georgia,serif;font-size:32px;margin:0 0 8px;color:#fff}
.cta-band p{margin:0;color:#dce9f4;max-width:620px}
.cta-band .btn{flex:none}
@media(max-width:980px){.blog-grid{grid-template-columns:1fr 1fr}.featured{grid-template-columns:1fr}.featured .pc-img{min-height:0;aspect-ratio:16/9}.featured .pc-body{padding:28px}.cta-band .container{flex-direction:column;align-items:flex-start}}
@media(max-width:640px){.blog-grid{grid-template-columns:1fr}.post-hero h1{font-size:32px}.post-body h2{font-size:26px}.featured h2{font-size:26px}}
.noimg{display:flex;align-items:center;justify-content:center;width:100%;height:100%;min-height:100%;background:linear-gradient(135deg,#082c55,#1f67a6 60%,#12a9d6);color:#e8f4fb;font:800 13px/1 inherit;font-family:inherit;letter-spacing:2px;text-transform:uppercase;text-align:center;padding:20px}
.post-hero.no-photo .hero-split{grid-template-columns:1fr}.post-hero.no-photo .hero-text{max-width:860px}

/* cookie banner buttons */
.cookie-btns{display:flex;gap:10px;flex:none}
.cookie .cookie-decline{background:#fff;color:#155c97;border:1px solid #155c97}
@media(max-width:980px){.cookie-btns{justify-content:flex-end}}

.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}

/* footer social icons */
.social{display:flex;gap:12px;margin-top:16px}
footer .social a{display:inline-flex;align-items:center;justify-content:center;width:40px;height:40px;margin:0;border:1px solid rgba(255,255,255,.3);border-radius:50%;color:#fff}
footer .social a:hover,footer .social a:focus-visible{background:#fff;color:#082c55}

.contact-split{grid-template-columns:.8fr 1.2fr;align-items:start}
.contact-split>*{min-width:0}
.contact-cta .btn{white-space:normal;text-align:center}
@media (max-width:900px){.contact-split{grid-template-columns:1fr}}