:root{--navy:#122A48;--navy2:#0d1f36;--gold:#C9A227;--sky:#4A90C2;--silver:#CDD3DB;--ink:#1b2430;--muted:#55606e;--bg:#f6f7f9;--white:#fff;--r:14px;--max:1120px}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.6 system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white)}
img{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-underline-offset:3px}a:hover{color:var(--sky)}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
h1,h2,h3{line-height:1.15;color:var(--navy);letter-spacing:-.015em;margin:0 0 .5em}
h1{font-size:clamp(2.2rem,5.2vw,3.8rem);font-weight:800}
h2{font-size:clamp(1.6rem,3.2vw,2.3rem);font-weight:800}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1em}.lead{font-size:1.2rem;color:var(--muted);max-width:44em}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin-bottom:.8em;display:block}
header.site{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid #e6e9ee}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;min-height:74px;gap:16px}
.logo img{width:190px;height:auto}
nav.main{display:flex;align-items:center;gap:22px}
nav.main a{text-decoration:none;font-weight:600;font-size:.95rem;color:var(--navy)}
nav.main a[aria-current=page]{color:var(--sky)}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;font-weight:800;text-decoration:none;padding:.85em 1.4em;border-radius:999px;border:2px solid var(--gold);transition:transform .15s}
.btn:hover{transform:translateY(-1px);background:#d8b440}
.btn.ghost{background:transparent;color:#fff!important;border-color:rgba(255,255,255,.6)}
.btn.ghost.dark{color:var(--navy)!important;border-color:var(--navy)}
.btn.sm{padding:.55em 1.1em;font-size:.9rem}
.menu-btn{display:none;background:none;border:0;padding:10px;cursor:pointer}
.menu-btn span,.menu-btn span:before,.menu-btn span:after{display:block;width:24px;height:3px;background:var(--navy);border-radius:2px;position:relative;content:""}
.menu-btn span:before{position:absolute;top:-8px}.menu-btn span:after{position:absolute;top:8px}
@media(max-width:940px){.menu-btn{display:block}nav.main{display:none;position:absolute;top:74px;left:0;right:0;background:#fff;flex-direction:column;align-items:flex-start;padding:16px 22px 24px;border-bottom:1px solid #e6e9ee;gap:14px}nav.main.open{display:flex}}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy2) 100%);color:#fff;padding:96px 0 88px;position:relative;overflow:hidden}
.hero h1,.hero h2{color:#fff}.hero .lead{color:var(--silver)}
.hero.sub{padding:72px 0 60px}
.hero .ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}
.gold{color:var(--gold)}
section.band{padding:80px 0}section.band.alt{background:var(--bg)}section.band.navy{background:var(--navy);color:#fff}section.band.navy h2{color:#fff}section.band.navy p{color:var(--silver)}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.g2{grid-template-columns:repeat(2,1fr)}@media(max-width:760px){.g2{grid-template-columns:1fr}}
.card{background:#fff;border:1px solid #e3e7ec;border-radius:var(--r);padding:26px}
.card h3{margin-bottom:.4em}.card p:last-child{margin-bottom:0}
.alt .card{border-color:#e0e4ea}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(240px,1fr))}
.steps li{counter-increment:s;background:#fff;border:1px solid #e3e7ec;border-radius:var(--r);padding:24px 24px 22px;position:relative}
.steps li:before{content:counter(s,decimal-leading-zero);font-weight:800;color:var(--gold);font-size:.95rem;letter-spacing:.08em;display:block;margin-bottom:6px}
.steps li strong{display:block;color:var(--navy);font-size:1.08rem;margin-bottom:4px}
.pills{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:18px 0 0}
.pills li{border:1px solid rgba(255,255,255,.35);color:#fff;border-radius:999px;padding:.4em 1em;font-weight:600;font-size:.95rem}
.light .pills li,.pills.dark li{border-color:var(--silver);color:var(--navy)}
.terms{display:flex;flex-wrap:wrap;gap:10px 28px;margin-top:26px;font-weight:700;color:#fff}
.terms span:before{content:"✓ ";color:var(--gold)}
.cta-band{text-align:center}.cta-band .lead{margin:0 auto 26px}
.faq details{border-bottom:1px solid #e3e7ec;padding:18px 0}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);font-size:1.12rem;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary:after{content:"+";color:var(--gold);font-size:1.4rem;line-height:1}
.faq details[open] summary:after{content:"–"}
.faq details p{margin:.7em 0 0;color:var(--muted)}
.faq .answer{margin-top:.7em}.faq .answer p{color:var(--ink)}
.role h3{display:flex;align-items:center;gap:10px}
.role ul{margin:.4em 0 0;padding-left:1.1em;color:var(--muted)}
.contact-list{list-style:none;padding:0;margin:0}.contact-list li{padding:12px 0;border-bottom:1px solid #e3e7ec}
.contact-list b{display:block;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}
.prose{max-width:760px}.prose h2{font-size:1.4rem;margin-top:1.6em}.prose ul{padding-left:1.2em}
.resource{display:flex;gap:22px;align-items:center;justify-content:space-between;flex-wrap:wrap}
footer.site{background:var(--navy2);color:var(--silver);padding:56px 0 30px;font-size:.95rem}
footer.site a{color:#fff;text-decoration:none}footer.site a:hover{color:var(--gold)}
footer.site .cols{display:grid;gap:30px;grid-template-columns:1.4fr 1fr 1fr 1fr}
@media(max-width:820px){footer.site .cols{grid-template-columns:1fr 1fr}}
footer.site h4{color:#fff;margin:0 0 10px;font-size:.8rem;letter-spacing:.14em;text-transform:uppercase}
footer.site ul{list-style:none;padding:0;margin:0}footer.site li{margin:6px 0}
footer.site .flogo img{width:200px;margin-bottom:14px}
footer.site address{font-style:normal;line-height:1.7}
footer.site .legal{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;font-size:.85rem}
.note{font-size:.9rem;color:var(--muted)}
.tagline{font-size:clamp(1.15rem,2vw,1.4rem);font-weight:800;color:var(--gold);margin:6px 0 0;letter-spacing:-.01em}
.callout{margin:26px 0 0;padding:20px 24px;border-left:4px solid var(--gold);background:#fff;border-radius:0 var(--r) var(--r) 0;font-size:1.1rem;font-weight:600;color:var(--navy);max-width:52em}
.person{display:flex;align-items:center;gap:18px;margin-bottom:.4em}.person h2{margin:0}
.avatar{width:96px;height:96px;border-radius:50%;object-fit:cover;border:3px solid var(--gold)}
.about-hero{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:center}
.headshot img{width:100%;max-width:440px;margin-left:auto;border-radius:24px;border:4px solid var(--gold);box-shadow:0 18px 40px rgba(0,0,0,.25)}
@media(max-width:760px){.about-hero{grid-template-columns:1fr;gap:28px}.headshot img{margin:0 auto}}
footer.site .cols>*{min-width:0}footer.site address,footer.site a{overflow-wrap:anywhere}
@media(max-width:560px){footer.site .cols{grid-template-columns:1fr}}