:root{--navy:#12304a;--dark:#0d263a;--ink:#182e3d;--teal:#007d81;--mint:#88e0d9;--muted:#435a67;--line:#d8e2e3;--soft:#f2f7f6;--white:#fff}
*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:1.5rem}body{margin:0;color:var(--ink);background:#fff;font:16px/1.65 system-ui,-apple-system,"Segoe UI",sans-serif}img{max-width:100%;height:auto}a{color:var(--teal)}.wrap{width:min(1190px,calc(100% - 64px));margin-inline:auto}.narrow{max-width:850px}.skip{position:absolute;left:10px;top:-70px;padding:8px;background:white;z-index:1}.skip:focus{top:8px}.mast{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:89px}.mast img{width:190px;display:block}.mast span{color:var(--muted);font-size:.92rem}.crumbs{font-size:.85rem;color:var(--muted);padding-block:12px}.crumbs span{margin-inline:6px}.hero,.page-head{background:var(--soft);border-bottom:1px solid var(--line)}.hero{padding-block:74px}.hero-grid{display:grid;grid-template-columns:1.25fr 1fr;align-items:center;gap:60px}.page-head{padding-block:55px}.page-head h1{font-size:clamp(2.4rem,6vw,4.6rem);max-width:22ch}.page-head .lead{margin-bottom:0}.eyebrow{font-size:.77rem;font-weight:770;letter-spacing:.14em;color:var(--teal);margin:0 0 13px}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.14;letter-spacing:-.035em}h1{font-size:clamp(3rem,7.8vw,6.3rem);margin-bottom:20px}h1 em{font-style:normal;color:var(--teal)}h2{font-size:clamp(1.85rem,4vw,3rem);margin-bottom:23px}h3{font-size:1.3rem;margin-bottom:9px}.lead{font-size:1.17rem;color:var(--muted);max-width:58ch}.actions{display:flex;flex-wrap:wrap;gap:10px;margin-top:23px}.button{display:inline-flex;align-items:center;justify-content:center;gap:11px;padding:12px 16px;background:var(--navy);color:#fff;border:1px solid var(--navy);text-decoration:none;font-size:.91rem;font-weight:720;border-radius:5px}.button:hover{background:#224865}.button.outline{background:white;color:var(--navy);border-color:#9fb1b7}.button.outline:hover{background:#edf7f5}.button.light{background:white;color:var(--navy);border-color:white}.button.light:hover{background:#d9f2ef}.hero-card{padding:29px 32px;background:var(--dark);color:white;border-radius:10px;border-top:4px solid var(--mint)}.hero-card .eyebrow,.hero-card a{color:var(--mint)}.metric{display:flex;align-items:center;gap:18px;margin:6px 0 13px;color:var(--mint)}.metric b{font-size:clamp(4rem,9vw,7rem);line-height:.95}.metric span{font-size:clamp(1.2rem,2.4vw,1.7rem);font-weight:720;line-height:1.1}.hero-card h2{font-size:1.65rem;margin-bottom:10px}.hero-card p:not(.eyebrow):not(.metric){color:#d6e5ea}.hero-card a{font-weight:700}.section{padding-block:56px}.soft{background:var(--soft);border-block:1px solid var(--line)}.cards,.two{display:grid;gap:15px}.cards{grid-template-columns:repeat(3,1fr)}.two{grid-template-columns:repeat(2,1fr)}.cards article,.two article{padding:24px;border:1px solid var(--line);background:white;border-radius:7px}.cards article p:last-child,.two article p:last-child{margin-bottom:0;color:var(--muted)}.cards article p a{display:block;margin-top:13px;font-weight:700}.index{color:var(--teal);font-weight:750;letter-spacing:.09em;margin-bottom:11px}.prose{max-width:75ch}.source{font-size:.92rem;color:var(--muted);margin:18px 0 0}.faq{border-top:1px solid var(--line)}.faq details{border-bottom:1px solid var(--line);padding:13px 0}.faq summary{cursor:pointer;font-weight:720}.faq p{margin:8px 0 1px;color:var(--muted)}.cta{background:var(--navy);color:white;padding-block:40px}.cta-inner{display:flex;align-items:center;justify-content:space-between;gap:20px}.cta h2{font-size:1.85rem;margin-bottom:8px}.cta p{margin-bottom:0;color:#dce9ee}.cta .button{flex-shrink:0}.contact address{font-style:normal;margin:0 0 12px}.contact article .button{margin-top:4px}.foot{display:flex;align-items:center;justify-content:space-between;gap:18px;padding-block:24px}.foot p{color:var(--muted);margin:4px 0 0;font-size:.9rem}.foot div:last-child{display:flex;flex-wrap:wrap;gap:14px;font-size:.9rem}footer{border-top:1px solid var(--line)}:focus-visible{outline:3px solid #00878f;outline-offset:4px}
@media(max-width:850px){.wrap{width:calc(100% - 40px)}.hero-grid{grid-template-columns:1fr;gap:24px}.hero{padding-block:48px}.cards article,.two article{padding:18px}.section{padding-block:45px}}
@media(max-width:620px){.wrap{width:calc(100% - 32px)}.mast{min-height:70px}.mast img{width:150px}.mast span{display:none}.cards,.two{grid-template-columns:1fr}.hero-card{padding:24px}.cta-inner,.foot{align-items:flex-start;flex-direction:column}.page-head{padding-block:35px}.lead{font-size:1.04rem}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}}


.nav-shell { background: var(--soft); border-bottom: 1px solid var(--line); }
.nav {
  display: grid;
  grid-template-columns: repeat(7, minmax(0, 1fr));
  gap: 1px;
  padding: 1px;
  background: var(--line);
}
.nav a {
  display: grid;
  place-items: center;
  min-height: 58px;
  padding: 8px 5px;
  background: #fff;
  color: var(--ink);
  text-align: center;
  text-decoration: none;
  font-size: clamp(.75rem, 1.55vw, .9rem);
  font-weight: 660;
  line-height: 1.25;
  overflow-wrap: anywhere;
}
.nav a:hover { background: var(--soft); color: var(--teal); }
.nav a[aria-current="page"] {
  color: var(--teal);
  background: var(--soft);
  box-shadow: inset 0 -3px var(--teal);
}
.nav a:focus-visible { outline-offset: -4px; }
@media (max-width: 700px) {
  .nav { grid-template-columns: repeat(4, minmax(0, 1fr)); }
  .nav a { min-height: 48px; }
  .nav a:last-child { grid-column: span 2; }
}
@media (max-width: 480px) {
  .nav { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}