@font-face{font-family:"Montserrat";font-style:normal;font-weight:600 800;font-display:swap;src:url(/fonts/montserrat.woff) format("woff")}
@font-face{font-family:"Open Sans";font-style:normal;font-weight:400 700;font-display:swap;src:url(/fonts/opensans.woff) format("woff")}
:root{--teal:#1F5670;--teal-d:#143A4C;--gold:#F4C93A;--ink:#333;--muted:#5E6A72;--line:#D9DEE2;--grid:#BFBFBF;--gray:#F2F2F2;--w:1160px;
--fh:"Montserrat",Arial,Helvetica,sans-serif;--fb:"Open Sans",Arial,Helvetica,sans-serif}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-padding-top:96px}
body{margin:0;font:400 1rem/1.7 var(--fb);color:var(--ink);background:#fff;-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
h1,h2,h3,h4{font-family:var(--fh);color:var(--teal);margin:0;line-height:1.18;font-weight:700}
p{margin:0 0 1em}
a{color:var(--teal);text-underline-offset:3px}
a:hover{color:var(--teal-d)}
:focus-visible{outline:3px solid var(--teal);outline-offset:3px}
.skip{position:absolute;left:-9999px;top:8px;background:var(--teal);color:#fff;padding:10px 16px;z-index:100;font-family:var(--fh);font-weight:600}
.skip:focus{left:8px;color:#fff}
.wrap{width:100%;max-width:var(--w);margin:0 auto;padding:0 32px}
/* preview banner */
.pv{background:var(--gray);border-bottom:1px solid var(--line);color:var(--muted);font-size:.8125rem;text-align:center;padding:7px 16px;line-height:1.4}
.pv strong{color:var(--teal-d);font-weight:700}
/* header */
.site-h{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.site-h::after{content:"";display:block;height:3px;background:var(--teal)}
.bar{display:flex;align-items:center;gap:36px;min-height:84px}
.brand{display:block;line-height:0;flex:none}
.brand img{height:62px;width:auto;display:block}
.nav{display:flex;gap:30px;margin-left:auto}
.nav a{font:600 .875rem/1 var(--fh);color:var(--ink);text-decoration:none;padding:10px 0;border-bottom:2px solid transparent;letter-spacing:.005em}
.nav a:hover{color:var(--teal);border-bottom-color:var(--gold)}
.nav a[aria-current=page]{color:var(--teal);border-bottom-color:var(--gold)}
.btn{display:inline-block;font:700 .9375rem/1 var(--fh);letter-spacing:.01em;text-decoration:none;background:var(--teal);color:#fff;padding:16px 28px;border:2px solid var(--teal);border-radius:2px;transition:background .15s,color .15s}
.btn:hover{background:var(--teal-d);border-color:var(--teal-d);color:#fff}
.btn.sm{padding:12px 20px;font-size:.8125rem}
.btn.line{background:#fff;color:var(--teal)}
.btn.line:hover{background:var(--gray);color:var(--teal-d);border-color:var(--teal)}
.btn.inv{background:#fff;color:var(--teal);border-color:#fff}
.btn.inv:hover{background:var(--gray);color:var(--teal-d);border-color:var(--gray)}
.mnav{display:none;margin-left:auto}
.mnav summary{list-style:none;cursor:pointer;font:700 .8125rem/1 var(--fh);color:var(--teal);border:2px solid var(--teal);padding:11px 16px;border-radius:2px}
.mnav summary::-webkit-details-marker{display:none}
.mnav[open] summary{background:var(--teal);color:#fff}
.mnav .panel{position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:3px solid var(--teal);padding:8px 32px 24px;box-shadow:0 12px 24px rgba(20,58,76,.12)}
.mnav .panel a{display:block;padding:14px 0;border-bottom:1px solid var(--line);font:600 1rem/1.2 var(--fh);color:var(--ink);text-decoration:none}
.mnav .panel a[aria-current=page]{color:var(--teal)}
.mnav .panel .btn{display:block;text-align:center;margin-top:20px;color:#fff;border:2px solid var(--teal)}
/* type helpers */
.eyebrow{display:flex;align-items:center;gap:12px;font:700 .75rem/1 var(--fh);letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin:0 0 20px}
.eyebrow::before{content:"";width:28px;height:3px;background:var(--gold);flex:none}
.band .eyebrow{color:#fff}
.sec-h p.eyebrow,.split .intro p.eyebrow{margin:0 0 20px;color:var(--teal);font-size:.75rem;line-height:1}
.lead{font-size:1.1875rem;line-height:1.65;color:var(--ink)}
h2{font-size:clamp(1.65rem,2.6vw,2.15rem);letter-spacing:-.015em}
h3{font-size:1.125rem}
.muted{color:var(--muted)}
/* hero */
.hero{padding:96px 0 88px;background:#fff}
.hero .wrap{display:grid;grid-template-columns:minmax(0,1.08fr) minmax(0,.92fr);gap:72px;align-items:center}
.hero h1{font-size:clamp(2.25rem,4.4vw,3.5rem);letter-spacing:-.025em;line-height:1.08;margin-bottom:24px;font-weight:800}
.hero .lead{max-width:34em;margin-bottom:36px}
.cta-row{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
.plink{font:700 .9375rem/1 var(--fh);text-decoration:none;color:var(--teal);padding:8px 0;border-bottom:2px solid var(--gold)}
.plink:hover{color:var(--teal-d)}
.panel-art{background:var(--teal-d);position:relative;border-radius:2px;padding:20px 20px 24px;border-bottom:4px solid var(--gold)}
.figure{display:block;width:100%;height:auto}
.figure .grid line{stroke:#fff;stroke-opacity:.09;stroke-width:1}
.figure .f-t{fill:#EEF2F5;stroke:#143A4C;stroke-width:1}
.figure .f-l{fill:#C3D2DB;stroke:#143A4C;stroke-width:1}
.figure .f-r{fill:#9DB4C2;stroke:#143A4C;stroke-width:1}
.figure .ly{stroke:#143A4C;stroke-opacity:.28;stroke-width:.8}
.figure .ly2{stroke:#143A4C;stroke-opacity:.34;stroke-width:.8}
.figure .hole{fill:#143A4C}
.figure .rim{fill:none;stroke:#EEF2F5;stroke-width:1}
.figure .dim{stroke:var(--gold);stroke-width:1.5}
.cap{margin:14px 4px 0;font:600 .6875rem/1.4 var(--fh);letter-spacing:.14em;text-transform:uppercase;color:#C9D6DD;display:flex;justify-content:space-between;gap:12px}
/* proof strip */
.strip{border-top:1px solid var(--line);border-bottom:1px solid var(--line);background:var(--gray)}
.strip ul{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr)}
.strip li{padding:26px 24px;border-left:1px solid var(--line);font:700 .9375rem/1.35 var(--fh);color:var(--teal-d)}
.strip li:first-child{border-left:0;padding-left:0}
.strip li span{display:block;font:400 .875rem/1.5 var(--fb);color:var(--muted);margin-top:4px}
/* sections */
.sec{padding:96px 0}
.sec.alt{background:var(--gray)}
.split{display:grid;grid-template-columns:minmax(0,.8fr) minmax(0,1.2fr);gap:72px;align-items:start}
.split h2{margin-bottom:18px}
.split .intro p{color:var(--muted)}
.rows{list-style:none;margin:0;padding:0;border-top:2px solid var(--teal)}
.rows li{display:grid;grid-template-columns:56px 1fr;gap:8px 16px;padding:26px 0;border-bottom:1px solid var(--line)}
.rows .n{font:700 .9375rem/1.6 var(--fh);color:var(--teal)}
.rows h3{margin-bottom:6px}
.rows p{margin:0;color:var(--ink)}
.sec-h{max-width:44rem;margin-bottom:48px}
.sec-h h2{margin-bottom:16px}
.sec-h p{color:var(--muted);font-size:1.0625rem;margin:0}
/* steps */
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:2px solid var(--teal);counter-reset:s}
.steps li{padding:28px 28px 8px 0;position:relative}
.steps li+li{padding-left:28px;border-left:1px solid var(--line)}
.steps .k{font:700 .75rem/1 var(--fh);letter-spacing:.16em;color:var(--teal);text-transform:uppercase;display:block;margin-bottom:14px}
.steps h3{margin-bottom:8px}
.steps p{color:var(--ink);margin:0;font-size:.9688rem}
/* tables */
.tw{overflow-x:auto}
table{width:100%;border-collapse:collapse;font-size:.9375rem;line-height:1.55;background:#fff}
caption{text-align:left;font:700 .75rem/1 var(--fh);letter-spacing:.14em;text-transform:uppercase;color:var(--teal);padding:0 0 14px}
th,td{text-align:left;vertical-align:top;padding:14px 18px;border:1px solid var(--grid)}
thead th{background:var(--teal);color:#fff;font:700 .8125rem/1.3 var(--fh);letter-spacing:.04em;border-color:var(--teal)}
tbody tr:nth-child(even) td,tbody tr:nth-child(even) th{background:var(--gray)}
tbody th{font:700 .9375rem/1.45 var(--fh);color:var(--teal-d);width:24%}
.alt table{background:#fff}
.after{margin:28px 0 0}
/* lists */
.ticks{list-style:none;margin:0;padding:0}
.ticks li{position:relative;padding:14px 0 14px 30px;border-bottom:1px solid var(--line)}
.ticks li:first-child{border-top:1px solid var(--line)}
.ticks li::before{content:"";position:absolute;left:2px;top:23px;width:12px;height:7px;border-left:3px solid var(--teal);border-bottom:3px solid var(--teal);transform:rotate(-45deg)}
.cols2{display:grid;grid-template-columns:1fr 1fr;gap:56px}
.cols3{display:grid;grid-template-columns:repeat(3,1fr);gap:40px}
.tile{border-top:2px solid var(--teal);padding-top:22px}
.tile h3{margin-bottom:10px}
.tile p{margin:0}
.tile .num{font:700 .75rem/1 var(--fh);letter-spacing:.16em;color:var(--teal);display:block;margin-bottom:14px}
/* title band (inner pages) */
.band{background:var(--teal);color:#fff;border-bottom:4px solid var(--gold)}
.band .wrap{padding-top:72px;padding-bottom:68px}
.band h1{color:#fff;font-size:clamp(2rem,3.8vw,3rem);letter-spacing:-.02em;font-weight:800;margin-bottom:18px;max-width:20em}
.band p{color:#fff;font-size:1.125rem;max-width:40em;margin:0;line-height:1.65}
.crumb{font:600 .8125rem/1 var(--fh);margin:0 0 28px;color:#D5E1E8}
.crumb a{color:#D5E1E8;text-decoration:none}
.crumb a:hover{color:#fff;text-decoration:underline}
.band :focus-visible,.cta :focus-visible,.panel-art :focus-visible{outline-color:#fff}
/* CTA band */
.cta{background:var(--teal);color:#fff;border-top:4px solid var(--gold)}
.cta .wrap{display:flex;justify-content:space-between;align-items:center;gap:48px;padding-top:64px;padding-bottom:64px}
.cta h2{color:#fff;margin-bottom:10px}
.cta p{margin:0;color:#fff;max-width:36em}
.cta .btn{flex:none}
/* quote page */
.quote{display:grid;grid-template-columns:minmax(0,1.1fr) minmax(0,.9fr);gap:72px;align-items:start}
.card{border:1px solid var(--grid);border-top:4px solid var(--teal);background:#fff;padding:36px 36px 32px}
.quote>div>h2{margin-bottom:24px}
.card h2{font-size:1.5rem;margin-bottom:14px}
.card .addr{font:700 1.0625rem/1.3 var(--fh);margin:0 0 22px;color:var(--teal-d);word-break:break-word}
.card .small{font-size:.875rem;color:var(--muted);margin:18px 0 0}
.dl{margin:0}
.dl div{display:grid;grid-template-columns:150px 1fr;gap:16px;padding:20px 0;border-bottom:1px solid var(--line)}
.dl div:first-child{border-top:2px solid var(--teal)}
.dl dt{font:700 .75rem/1.6 var(--fh);letter-spacing:.14em;text-transform:uppercase;color:var(--teal)}
.dl dd{margin:0}
.dl dd a{font-weight:700}
.prose{max-width:44rem}
.prose h2{margin:56px 0 14px;font-size:1.4rem}
.prose h2:first-child{margin-top:0}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:6px}
.note{border-left:3px solid var(--gold);background:var(--gray);padding:18px 22px;margin:28px 0 0}
.note p{margin:0}
/* footer */
.foot{background:var(--gray);border-top:3px solid var(--teal);margin-top:0}
.foot .top{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.3fr;gap:48px;padding:64px 32px 48px}
.foot img{height:78px;width:auto;display:block;margin-bottom:18px}
.foot p{font-size:.9375rem;color:var(--ink);margin:0 0 6px}
.foot h2{font:700 .75rem/1 var(--fh);letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin:0 0 18px}
.foot ul{list-style:none;margin:0;padding:0}
.foot li{margin-bottom:10px;font-size:.9375rem}
.foot a{color:var(--ink);text-decoration:none}
.foot a:hover{color:var(--teal);text-decoration:underline}
.foot .em span{display:block;font:600 .75rem/1.4 var(--fh);letter-spacing:.06em;text-transform:uppercase;color:var(--muted)}
.foot .em li{margin-bottom:14px}
.foot .em a{font-weight:600;color:var(--teal)}
.foot .base{border-top:1px solid var(--line);padding:22px 32px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.8125rem;color:var(--muted)}
.foot .base a{color:var(--muted)}
/* responsive */
@media (max-width:1100px){.nav{gap:20px}.nav a{font-size:.8125rem}.bar{gap:24px}}
@media (max-width:980px){
 .nav,.bar>.btn{display:none}.mnav{display:block}.bar{min-height:76px;position:relative}.brand img{height:54px}
 .hero{padding:64px 0 56px}.hero .wrap{grid-template-columns:1fr;gap:48px}
 .split,.quote{grid-template-columns:1fr;gap:40px}
 .strip ul{grid-template-columns:1fr 1fr}.strip li:nth-child(3){border-left:0;padding-left:0}.strip li:nth-child(n+3){border-top:1px solid var(--line)}
 .steps{grid-template-columns:1fr 1fr}.steps li:nth-child(odd){padding-left:0;border-left:0}.steps li:nth-child(n+3){border-top:1px solid var(--line)}
 .cols3{grid-template-columns:1fr 1fr}.cols2{grid-template-columns:1fr;gap:32px}
 .sec{padding:72px 0}.cta .wrap{flex-direction:column;align-items:flex-start;gap:28px}
 .foot .top{grid-template-columns:1fr 1fr;gap:40px}
}
@media (max-width:640px){
 .wrap{padding:0 20px}.mnav .panel{padding:8px 20px 24px}
 .brand img{height:48px}.bar{min-height:68px}
 .hero{padding:44px 0 44px}.hero .lead{font-size:1.0625rem}
 .cta-row .btn{width:100%;text-align:center}
 .strip ul{grid-template-columns:1fr}.strip li{border-left:0;padding:18px 0;border-top:1px solid var(--line)}.strip li:first-child{border-top:0}
 .steps,.cols3{grid-template-columns:1fr}.steps li,.steps li+li{padding:24px 0 8px;border-left:0}.steps li+li{border-top:1px solid var(--line)}
 .rows li{grid-template-columns:36px 1fr}
 .sec{padding:56px 0}.sec-h{margin-bottom:32px}
 .band .wrap{padding-top:44px;padding-bottom:44px}
 .card{padding:26px 22px}.dl div{grid-template-columns:1fr;gap:6px}
 .foot .top{grid-template-columns:1fr;gap:32px;padding:48px 20px 32px}.foot .base{padding:20px}
 table.stack thead{position:absolute;left:-9999px}
 table.stack,table.stack tbody,table.stack tr,table.stack td,table.stack th{display:block;width:100%}
 table.stack tr{border:1px solid var(--grid);margin-bottom:16px;background:#fff}
 table.stack td,table.stack th{border:0;border-bottom:1px solid var(--line);padding:10px 14px}
 table.stack tbody th{width:100%;background:var(--gray)!important;color:var(--teal-d)}
 table.stack td::before{content:attr(data-label);display:block;font:700 .6875rem/1.2 var(--fh);letter-spacing:.12em;text-transform:uppercase;color:var(--teal);margin-bottom:4px}
 table.stack tbody tr:nth-child(even) td{background:#fff}
}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}
@media print{.pv,.site-h,.cta{display:none}}