:root{
  --navy:#0E3295;--navy-2:#0a2570;--red:#AD1C11;--red-soft:#f2c0ba;
  --sand:#e8edf9;--cream:#f4f1ea;--ink:#2c2e35;--muted:#6b6e76;--white:#fff;
  --radius:18px;--shadow:0 18px 50px -22px rgba(14,36,64,.45);--shadow-sm:0 8px 24px -14px rgba(14,36,64,.4);--maxw:1120px;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Atkinson Hyperlegible',system-ui,-apple-system,sans-serif;color:var(--ink);background:var(--cream);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}
h1,h2,h3{font-family:'Figtree',system-ui,sans-serif}
a{color:inherit;text-decoration:none}
img{max-width:100%}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.eyebrow{text-transform:uppercase;letter-spacing:.22em;font-size:.74rem;font-weight:700;color:var(--red)}
.eyebrow.lt{color:var(--red-soft)}
.btn{display:inline-flex;align-items:center;gap:9px;font-weight:700;font-family:'Figtree',sans-serif;border-radius:999px;padding:13px 24px;font-size:1rem;transition:transform .15s,box-shadow .2s;cursor:pointer;border:0}
.btn-red{background:linear-gradient(135deg,var(--red),#8f160d);color:#fff;box-shadow:var(--shadow-sm)}
.btn-red:hover{transform:translateY(-2px)}
.btn-ghost{background:transparent;border:1.6px solid rgba(255,255,255,.5);color:#fff}
.btn-ghost:hover{border-color:#fff}
.btn-navy{background:linear-gradient(135deg,var(--navy),var(--navy-2));color:#fff;box-shadow:var(--shadow-sm)}
.btn-sm{padding:9px 18px;font-size:.9rem}

.topbar{background:var(--navy-2);color:#cdd9ec;font-size:.78rem}
.topbar .tb{display:flex;justify-content:space-between;gap:12px;padding:6px 24px;flex-wrap:wrap}
header.site{background:rgba(251,248,242,.94);border-bottom:1px solid rgba(14,36,64,.08);position:sticky;top:0;z-index:50;backdrop-filter:blur(10px)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:10px 24px}
.brand img{height:46px;width:auto;display:block}
.mainnav{display:flex;gap:20px;font-family:'Figtree',sans-serif;font-weight:700;font-size:.92rem;flex-wrap:wrap}
.mainnav a{color:var(--navy);padding:6px 2px;border-bottom:2.5px solid transparent}
.mainnav a:hover,.mainnav a.on{border-color:var(--red)}

.hero{position:relative;overflow:hidden;background:radial-gradient(1100px 560px at 82% -10%,rgba(173,28,17,.18),transparent 60%),linear-gradient(160deg,#0E3295,#0a2570 60%,#1b3fa0);color:#eaf1fb}
.hero .wrap{padding:64px 24px 60px}
.hero.hero-sm .wrap{padding:48px 24px 46px}
.hero .onecol{max-width:820px}
.hero h1{font-size:clamp(2rem,4.2vw,2.9rem);line-height:1.12;color:#fff;margin:14px 0 16px}
.hero h1 em{font-style:italic;color:var(--red-soft)}
.hero p.lead{font-size:1.12rem;color:#cdd9ec;max-width:62ch;margin-bottom:24px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:10px}
.hero-cta.center{justify-content:center;margin-top:20px}
.points{list-style:none;display:flex;flex-direction:column;gap:9px;color:#dfe7f1;font-size:.98rem;margin-top:16px}
.points li{display:flex;gap:10px}
.points li::before{content:"✓";color:var(--red-soft);font-weight:800}
.badge-row{display:flex;gap:10px;flex-wrap:wrap;margin-top:20px}
.badge{background:rgba(255,255,255,.1);border:1px solid rgba(255,255,255,.22);border-radius:999px;padding:6px 14px;font-size:.8rem;font-weight:700;font-family:'Figtree',sans-serif;color:#fff}

section{padding:58px 0}
.sec-head{max-width:720px;margin:0 auto 38px;text-align:center}
.sec-head h2{font-size:clamp(1.65rem,3.2vw,2.25rem);color:var(--navy);margin:10px 0;line-height:1.15}
.sec-head p{color:var(--muted);font-size:1.02rem}
.steps{background:#fff}
.cardgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.cardgrid.two{grid-template-columns:repeat(2,1fr)}
.step{background:var(--cream);border:1px solid rgba(14,36,64,.08);border-radius:var(--radius);padding:26px;box-shadow:var(--shadow-sm)}
section:not(.steps) .step{background:#fff}
.step .n,.step .ico{width:44px;height:44px;border-radius:12px;background:linear-gradient(150deg,var(--navy),var(--navy-2));color:#fff;display:grid;place-items:center;font-family:'Figtree',sans-serif;font-weight:800;font-size:1.15rem;margin-bottom:14px}
.step .ico{font-size:1.3rem;background:var(--sand);color:var(--navy)}
.step h3{font-size:1.08rem;color:var(--navy);margin-bottom:6px}
.step p{color:var(--muted);font-size:.94rem}
.step a.more{display:inline-block;margin-top:10px;color:var(--red);font-weight:700;font-family:'Figtree',sans-serif;font-size:.88rem}

.chips{display:flex;flex-wrap:wrap;gap:10px;justify-content:center}
.chip{background:#fff;border:1px solid rgba(14,36,64,.14);border-radius:999px;padding:8px 18px;font-family:'Figtree',sans-serif;font-weight:700;font-size:.9rem;color:var(--navy)}

.faqs{background:#fff}
.faqs details{border-bottom:1px solid rgba(14,36,64,.1);padding:16px 4px}
.faqs summary{font-family:'Figtree',sans-serif;font-weight:700;color:var(--navy);font-size:1.02rem;cursor:pointer}
.faqs details p{color:var(--muted);padding-top:10px;font-size:.96rem}

.quote{background:linear-gradient(160deg,#0E3295,#0a2570);color:#eaf1fb;text-align:center}
.quote h2{color:#fff;font-size:clamp(1.6rem,3vw,2.1rem);margin-bottom:10px}
.quote p{color:#cdd9ec;max-width:60ch;margin:0 auto}
.quote blockquote{max-width:640px;margin:0 auto;font-size:1.25rem;line-height:1.55;font-style:italic;color:#fff}
.quote cite{display:block;margin-top:14px;font-style:normal;color:#cdd9ec;font-size:.9rem}

.prose{max-width:820px;margin:0 auto;padding:0 24px}
.prose h2{color:var(--navy);font-size:1.4rem;margin:34px 0 10px}
.prose h3{color:var(--navy);font-size:1.1rem;margin:22px 0 8px}
.prose p,.prose li{color:var(--ink);font-size:.99rem;margin-bottom:12px}
.prose ul{padding-left:22px}

footer{background:var(--navy-2);color:#cdd9ec;padding:44px 0 26px;font-size:.9rem}
.fgrid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.1fr;gap:28px}
.fgrid b{color:#fff;display:block;margin-bottom:10px;font-family:'Figtree',sans-serif}
.fgrid a,.fgrid span{display:block;margin-bottom:8px;color:#cdd9ec}
.fgrid a:hover{color:#fff}
.legal{margin-top:30px;padding-top:18px;border-top:1px solid rgba(255,255,255,.14);font-size:.76rem;color:#aebfd6;line-height:1.6}
.legal a{text-decoration:underline}

@media (max-width:960px){
  .cardgrid,.cardgrid.two{grid-template-columns:1fr 1fr}
  .fgrid{grid-template-columns:1fr 1fr}
  .mainnav{display:none}
}
@media (max-width:640px){
  .cardgrid,.cardgrid.two{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .topbar .tb{justify-content:center;text-align:center}
}