@font-face{font-family:"Montserrat";font-style:normal;font-weight:200;font-display:swap;src:url("../fonts/montserrat-latin-200-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:300;font-display:swap;src:url("../fonts/montserrat-latin-300-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:400;font-display:swap;src:url("../fonts/montserrat-latin-400-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:500;font-display:swap;src:url("../fonts/montserrat-latin-500-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/montserrat-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/montserrat-latin-700-normal.woff2") format("woff2")}
@font-face{font-family:"Montserrat";font-style:normal;font-weight:800;font-display:swap;src:url("../fonts/montserrat-latin-800-normal.woff2") format("woff2")}
@font-face{font-family:"Raleway";font-style:normal;font-weight:600;font-display:swap;src:url("../fonts/raleway-latin-600-normal.woff2") format("woff2")}
@font-face{font-family:"Raleway";font-style:normal;font-weight:700;font-display:swap;src:url("../fonts/raleway-latin-700-normal.woff2") format("woff2")}

*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
:root{--bg:#F2F4F8;--bg2:#E8ECF2;--ink:#0D1B2A;--muted:#5B6472;--line:rgba(13,27,42,.12);--blue:#2563FF;--accent:#2563FF;--navy:#0D1B2A;--card:#FFFFFF;
 color-scheme:light;padding-top:env(safe-area-inset-top,0px);padding-bottom:env(safe-area-inset-bottom,0px)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]){--bg:#0A1420;--bg2:#101E30;--ink:#E8EEF7;--muted:#A9B6C9;--line:rgba(232,238,247,.14);--accent:#8FB0FF;--card:#122033;color-scheme:dark}}
:root[data-theme="dark"]{--bg:#0A1420;--bg2:#101E30;--ink:#E8EEF7;--muted:#A9B6C9;--line:rgba(232,238,247,.14);--accent:#8FB0FF;--card:#122033;color-scheme:dark}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:Montserrat,'Helvetica Neue',Arial,sans-serif;background:var(--bg);color:var(--ink);line-height:1.6;overflow-x:hidden;-webkit-font-smoothing:antialiased}
a:focus-visible,button:focus-visible{outline:2px solid var(--blue);outline-offset:3px}
.wrap{max-width:1320px;margin:0 auto;padding:0 3rem}
.ic{width:20px;height:20px}
/* nav */
.nav{position:sticky;top:0;z-index:40;background:color-mix(in srgb,var(--bg) 88%,transparent);backdrop-filter:blur(10px);-webkit-backdrop-filter:blur(10px);border-bottom:1px solid var(--line);padding-top:env(safe-area-inset-top,0px)}
.nav .wrap{height:76px;display:flex;align-items:center;justify-content:space-between;gap:2rem}
.logo{display:block;line-height:0}.logo img{height:39px;width:auto}
.nav ul{display:flex;gap:2rem;list-style:none}
.nav ul a{text-decoration:none;color:var(--ink);font-size:.85rem;font-weight:500;white-space:nowrap}
.nav ul .nn{color:var(--accent);font-weight:700;font-size:.7rem;margin-right:.3rem}
.btn{display:inline-flex;align-items:center;gap:.6rem;background:var(--navy);color:#fff;text-decoration:none;font-weight:600;font-size:.88rem;padding:.85rem 1.4rem;border-radius:0;transition:background .2s}
.btn:hover{background:var(--blue)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .btn{background:var(--blue)}}
.link{color:var(--ink);font-weight:600;font-size:.9rem;text-decoration:none;border-bottom:2px solid var(--blue);padding-bottom:.2rem}
/* hero */
.hero{display:grid;grid-template-columns:1.1fr 1fr;gap:4rem;align-items:center;min-height:calc(100vh - 76px);padding:4rem 0}
.kick{font-family:Raleway,Montserrat,sans-serif;font-weight:700;font-size:.75rem;letter-spacing:.16em;text-transform:uppercase;color:var(--accent);display:flex;align-items:center;gap:.75rem;margin-bottom:2rem}
.kick::before{content:"";width:40px;height:2px;background:var(--blue)}
.hero h1{font-size:clamp(2.8rem,5.4vw,5rem);font-weight:300;line-height:1.04;letter-spacing:-.035em;margin-bottom:2rem}
.hero h1 strong{font-weight:800}
.hero h1 em{font-style:normal;font-weight:800;color:var(--accent)}
.hero .sub{font-size:1.08rem;color:var(--muted);max-width:520px;margin-bottom:2.5rem}
.hero .hero-act{display:flex;gap:2rem;align-items:center;flex-wrap:wrap}
.collage{position:relative;height:560px}
.ph{position:absolute;background-size:cover;background-position:center;box-shadow:0 30px 60px rgba(13,27,42,.18);will-change:transform}
.ph.p1{width:62%;height:68%;right:0;top:0}
.ph.p2{width:48%;height:46%;left:0;top:38%}
.ph.p3{width:40%;height:36%;right:6%;bottom:0}
.stamp{position:absolute;left:4%;top:4%;background:var(--blue);color:#fff;padding:1.1rem 1.3rem;z-index:2;box-shadow:0 20px 40px rgba(37,99,255,.35)}
.stamp b{display:block;font-size:2rem;font-weight:800;letter-spacing:-.03em;line-height:1}
.stamp span{font-size:.72rem;letter-spacing:.06em;text-transform:uppercase;opacity:.9}
/* section heads */
.sec{padding:7rem 0;border-top:1px solid var(--line)}
.sh{display:grid;grid-template-columns:120px 1fr auto;gap:2rem;align-items:end;margin-bottom:3.5rem}
.num{font-size:4.5rem;font-weight:200;line-height:.8;color:var(--accent);letter-spacing:-.05em}
.sh h2{font-size:clamp(2rem,3.6vw,3.2rem);font-weight:300;letter-spacing:-.03em;line-height:1.08;max-width:760px}
.sh h2 strong{font-weight:800}
.arrows{display:flex;gap:.5rem}
.arrows button{width:52px;height:52px;border:1px solid var(--line);background:var(--card);color:var(--ink);cursor:pointer;font-size:1.2rem;transition:background .2s,color .2s}
.arrows button:hover{background:var(--navy);color:#fff}
/* carousel */
.car{display:grid;grid-auto-flow:column;grid-auto-columns:minmax(320px,30%);gap:1.5rem;overflow-x:auto;scroll-snap-type:x mandatory;padding-bottom:1.5rem;scrollbar-width:thin}
.card{scroll-snap-align:start;background:var(--card);border:1px solid var(--line);display:flex;flex-direction:column}
.card .img{height:240px;background-size:cover;background-position:center;position:relative;overflow:hidden}
.card .img::after{content:"";position:absolute;inset:0;background:inherit;background-size:cover;background-position:inherit;transition:transform .8s cubic-bezier(.2,.7,.2,1)}
.card:hover .img::after{transform:scale(1.06)}
.card .img.solid{background:var(--navy);display:flex;align-items:center;justify-content:center;color:#8FB0FF}
.card .img.solid::after{display:none}
.card .img.solid .ic{width:64px;height:64px;stroke-width:1.3}
.card .img.blue{background:var(--blue);color:#fff}
.card .body{padding:1.75rem;display:flex;flex-direction:column;gap:.6rem;flex:1}
.card .idx{font-size:.72rem;font-weight:700;color:var(--accent);letter-spacing:.1em}
.card h3{font-size:1.2rem;font-weight:700;letter-spacing:-.01em}
.card p{font-size:.9rem;color:var(--muted);line-height:1.65}
.card .tag{align-self:flex-start;margin-top:auto;font-size:.68rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:#fff;background:var(--blue);padding:.3rem .6rem}
.progress{height:2px;background:var(--line);margin-top:.5rem;position:relative}
.progress i{position:absolute;left:0;top:0;height:100%;background:var(--blue);width:20%;transition:left .2s,width .2s}
.card .img.chart{background:#0D1B2A;display:flex;align-items:center;justify-content:center;padding:0 .5rem}
.card .img.chart::after{display:none}
.img.chart svg{width:100%;height:100%;display:block}
.img.chart .cg{stroke:rgba(255,255,255,.10);stroke-width:1}
.img.chart .ct{fill:rgba(255,255,255,.55);font:500 9.5px Montserrat,sans-serif}
.img.chart .ch{fill:#fff;font:600 12px Montserrat,sans-serif}
.img.chart .cn{fill:rgba(255,255,255,.5);font:italic 400 9.5px Montserrat,sans-serif}
.img.chart .cc{fill:rgba(37,99,255,.28);stroke:#2563FF;stroke-width:1}
.img.chart .cct{fill:#C9D8FF;font:700 10.5px Montserrat,sans-serif}
.img.chart .cv{fill:#fff;font:700 11px Montserrat,sans-serif}
/* sticky steps */
.sticky-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:5rem}
.stick{position:sticky;top:120px;align-self:start}
.stick h2{font-size:clamp(2rem,3.6vw,3.2rem);font-weight:300;letter-spacing:-.03em;line-height:1.08;margin:1rem 0 1.5rem}
.stick h2 strong{font-weight:800}
.stick p{color:var(--muted);max-width:460px}
.bigfig{margin-top:2.5rem;display:flex;align-items:baseline;gap:1rem}
.bigfig b{font-size:6rem;font-weight:800;letter-spacing:-.05em;line-height:.9;color:var(--accent)}
.bigfig span{font-size:.9rem;color:var(--muted);max-width:220px;line-height:1.5}
.steps{display:flex;flex-direction:column;position:relative;padding-left:96px}
.rail,.rail-fill{position:absolute;left:27px;top:0;width:2px;border-radius:2px}
.rail{bottom:0;background:var(--line)}
.rail-fill{height:0;background:linear-gradient(180deg,#2563FF,#7FB0FF);box-shadow:0 0 12px rgba(37,99,255,.45);transition:height .25s linear}
.st{position:relative;padding:3.5rem 0;border-bottom:1px solid var(--line)}
.st:last-child{border-bottom:0}
.dot{position:absolute;left:-96px;top:3.15rem;width:56px;height:56px;border-radius:50%;background:var(--bg);border:2px solid var(--line);color:var(--muted);font-weight:800;font-size:1rem;display:flex;align-items:center;justify-content:center;z-index:1;transition:background .45s,border-color .45s,color .45s,box-shadow .45s}
.st.on .dot{background:var(--blue);border-color:var(--blue);color:#fff;box-shadow:0 0 0 6px rgba(37,99,255,.14),0 0 22px rgba(37,99,255,.45)}
.st .n{font-size:.75rem;font-weight:700;color:var(--accent);letter-spacing:.12em}
.st h3{font-size:1.8rem;font-weight:700;letter-spacing:-.02em;margin:.4rem 0 .6rem}
.st p{color:var(--muted);font-size:1rem;max-width:520px}
/* concept hub */
.hub{position:relative;display:grid;grid-template-columns:1fr 260px 1fr;grid-auto-rows:1fr;gap:1.5rem 5rem;align-items:stretch}
.act{position:relative;z-index:1;background:var(--card);border:1px solid var(--line);padding:2rem;display:flex;flex-direction:column;justify-content:center;gap:.7rem;min-height:170px;transition:border-color .3s,box-shadow .3s}
.act:hover{border-color:var(--blue);box-shadow:0 18px 40px rgba(13,27,42,.08)}
.act .ico{width:46px;height:46px;background:#E3EBFF;color:#1D4ED8;display:flex;align-items:center;justify-content:center}
.act h3{font-size:1.15rem;font-weight:700;letter-spacing:-.01em}
.act p{font-size:.88rem;color:var(--muted);line-height:1.6}
.act-0{grid-column:1;grid-row:1}.act-1{grid-column:1;grid-row:2}.act-2{grid-column:3;grid-row:1}.act-3{grid-column:3;grid-row:2}
.act-2,.act-3{align-items:flex-end;text-align:right}
.core{grid-column:2;grid-row:1/3;align-self:center;justify-self:center;width:220px;height:220px;border-radius:50%;background:var(--card);border:1px solid var(--line);box-shadow:0 0 0 20px rgba(37,99,255,.07),0 0 0 40px rgba(37,99,255,.04);display:flex;align-items:center;justify-content:center;position:relative;z-index:1}
.core img{width:100px;height:auto}
.hub-lines{position:absolute;left:0;top:0;pointer-events:none;overflow:visible;z-index:0}
.hub-lines line{stroke:#2563FF;stroke-width:1.5;stroke-dasharray:6 6;opacity:.55}
.hub-lines circle{fill:#2563FF}
.concept-lead{color:var(--muted);max-width:560px;margin:-1.5rem 0 3.5rem 152px}
@media (max-width:980px){.hub{grid-template-columns:1fr;grid-auto-rows:auto;gap:1rem}.act-0,.act-1,.act-2,.act-3,.core{grid-column:auto;grid-row:auto}.act-2,.act-3{align-items:flex-start;text-align:left}.core{order:-1;width:160px;height:160px;margin:0 auto 2.5rem}.core span{width:72px;height:76px}.hub-lines{display:none}.concept-lead{margin-left:0}}
/* stats band */
.band{background:var(--navy);color:#fff}
.band .grid{display:grid;grid-template-columns:repeat(4,1fr)}
.band .c{padding:3.5rem 2rem;border-right:1px solid rgba(255,255,255,.12)}
.band .c:last-child{border-right:0}
.band .v{font-size:3.6rem;font-weight:800;letter-spacing:-.04em;line-height:1}
.band .c:nth-child(2) .v,.band .c:nth-child(3) .v{color:#8FB0FF}
.band .t{font-size:.85rem;color:rgba(255,255,255,.72);margin-top:.9rem;line-height:1.55}
.band .note{padding:0 2rem 2rem;font-size:.72rem;color:rgba(255,255,255,.5);font-style:italic}
/* logos wall */
.wall{display:grid;grid-template-columns:repeat(6,1fr);border-top:1px solid var(--line);border-left:1px solid var(--line)}
.wall div{height:120px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);display:flex;align-items:center;justify-content:center;background:#fff}
.wall span{display:block;background-size:contain;background-repeat:no-repeat;background-position:center;filter:grayscale(1);opacity:.75;transition:filter .4s,opacity .4s}
.wall div:hover span{filter:none;opacity:1}
.missions{display:grid;grid-template-columns:repeat(5,1fr);gap:0;border-top:2px solid var(--ink);margin-bottom:4rem}
.mi{padding:1.75rem 1.5rem 1.5rem 0;border-right:1px solid var(--line);margin-right:1.5rem}
.mi:last-child{border-right:0;margin-right:0}
.mi h3{font-size:1.05rem;font-weight:700}
.mi .loc{font-size:.75rem;color:var(--accent);font-weight:600;letter-spacing:.04em;margin:.2rem 0 .7rem}
.mi p{font-size:.84rem;color:var(--muted);line-height:1.6}
/* cta */
.cta{position:relative;min-height:520px;display:flex;align-items:center;background-size:cover;background-position:center 20%;color:#fff}
.cta::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(13,27,42,.92) 35%,rgba(13,27,42,.35))}
.cta .wrap{position:relative;width:100%}
.cta h2{font-size:clamp(2rem,4vw,3.4rem);font-weight:300;letter-spacing:-.03em;line-height:1.08;max-width:680px;margin-bottom:1.25rem}
.cta h2 strong{font-weight:800}
.cta p{color:rgba(255,255,255,.8);max-width:480px;margin-bottom:2.25rem}
.cta .btn{background:var(--blue)}
.cta .link{color:#fff;margin-left:1.5rem}
footer{padding:3.5rem 0 calc(2.5rem + env(safe-area-inset-bottom,0px));font-size:.78rem;color:var(--muted);border-top:1px solid var(--line)}
footer .legal{display:flex;justify-content:space-between;gap:2rem;flex-wrap:wrap;padding-top:1.5rem;border-top:1px solid var(--line);margin-top:2rem}
footer .notes .kick{margin-bottom:1.25rem}
footer dl{display:grid;grid-template-columns:1fr 1fr 0.6fr;gap:2rem}
footer dt{font-weight:700;color:var(--ink);font-size:.85rem;margin-bottom:.35rem}
footer dd{font-size:.82rem;line-height:1.65;color:var(--muted)}
@media (max-width:980px){footer dl{grid-template-columns:1fr}}
/* reveal */
.rv{opacity:0;transform:translateY(24px);transition:opacity 1s ease,transform 1s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}.ph{transform:none!important}.rail-fill{transition:none}}
@media (max-width:600px){.steps{padding-left:72px}.rail,.rail-fill{left:21px}.dot{left:-72px;width:44px;height:44px;font-size:.9rem}}
@media (max-width:980px){.wrap{padding:0 1.5rem}.hero{grid-template-columns:1fr;min-height:auto}.collage{height:420px}.sh{grid-template-columns:1fr}.num{font-size:3rem}.car{grid-auto-columns:80%}.sticky-grid{grid-template-columns:1fr;gap:2rem}.stick{position:static}.band .grid{grid-template-columns:1fr 1fr}.wall{grid-template-columns:repeat(3,1fr)}.missions{grid-template-columns:1fr 1fr}.mi{border-right:0;margin-right:0;padding-right:1rem}}
@media (max-width:600px){.missions,.band .grid{grid-template-columns:1fr}.wall{grid-template-columns:repeat(2,1fr)}.bigfig b{font-size:4.5rem}.cta .link{margin-left:0;display:inline-block;margin-top:1rem}}
/* ---- image-based elements ---- */
img{max-width:100%;height:auto;display:block}
img.ph{object-fit:cover}
.card .img::after{display:none}
.card .img img{width:100%;height:100%;object-fit:cover;transition:transform .8s cubic-bezier(.2,.7,.2,1)}
.card:hover .img img{transform:scale(1.06)}
.card .img.lease img{object-fit:contain;background:#fff}
.wall img{width:auto;max-width:72%;max-height:46px;filter:grayscale(1);opacity:.75;transition:filter .4s,opacity .4s}
.wall div:hover img{filter:none;opacity:1}
.cta{background-image:image-set(url("../img/advice-1200.webp") type("image/webp"));background-image:url("../img/advice-1200.webp")}
.foot-logo img{height:34px;width:auto}
/* skip link */
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:.75rem 1rem;z-index:100}
.skip:focus{left:1rem;top:1rem}
/* nav dropdown-less extra links */
.nav ul a[aria-current="page"]{color:var(--accent)}
/* ---- inner pages ---- */
.crumbs{font-size:.78rem;color:var(--muted);padding-top:2.5rem}
.crumbs ol{list-style:none;display:flex;gap:.5rem;flex-wrap:wrap}
.crumbs li+li::before{content:"›";margin-right:.5rem;color:var(--muted)}
.crumbs a{color:var(--muted);text-decoration:none}
.crumbs a:hover{color:var(--accent)}
.page-hero{padding:2.5rem 0 4rem;display:grid;grid-template-columns:1.25fr .75fr;gap:4rem;align-items:end;border-bottom:1px solid var(--line)}
.page-hero h1{font-size:clamp(2.2rem,4.2vw,3.6rem);font-weight:300;line-height:1.08;letter-spacing:-.03em;margin:1rem 0 1.5rem}
.page-hero h1 strong{font-weight:800}
.page-hero .lead{font-size:1.08rem;color:var(--muted);max-width:640px}
.page-hero .upd{font-size:.75rem;color:var(--muted);margin-top:1.25rem}
.page-hero .hero-img{width:100%;height:auto;aspect-ratio:4/3;object-fit:cover;box-shadow:0 30px 60px rgba(13,27,42,.16)}
.content{display:grid;grid-template-columns:1fr 340px;gap:5rem;padding:5rem 0}
.prose h2{font-size:clamp(1.5rem,2.4vw,2rem);font-weight:700;letter-spacing:-.02em;line-height:1.2;margin:3rem 0 1rem}
.prose h2:first-child{margin-top:0}
.prose h3{font-size:1.1rem;font-weight:700;margin:1.75rem 0 .5rem}
.prose p{color:var(--muted);margin-bottom:1rem;max-width:72ch}
.prose ul,.prose ol{margin:0 0 1.25rem 1.25rem;color:var(--muted)}
.prose li{margin-bottom:.5rem;padding-left:.25rem}
.prose li strong,.prose p strong{color:var(--ink)}
.prose a{color:var(--accent)}
.prose ol.method{list-style:none;margin-left:0;counter-reset:m}
.prose ol.method li{counter-increment:m;position:relative;padding:1.1rem 0 1.1rem 4rem;border-bottom:1px solid var(--line)}
.prose ol.method li::before{content:counter(m,decimal-leading-zero);position:absolute;left:0;top:1rem;width:44px;height:44px;border-radius:50%;background:var(--blue);color:#fff;font-weight:800;font-size:.85rem;display:flex;align-items:center;justify-content:center}
.table-wrap{overflow-x:auto;margin:1.25rem 0 1.5rem}
table.data{width:100%;border-collapse:collapse;font-size:.92rem;min-width:520px}
table.data th{text-align:left;font-size:.7rem;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);padding:.8rem 1rem;border-bottom:2px solid var(--ink)}
table.data td{padding:.85rem 1rem;border-bottom:1px solid var(--line);color:var(--ink)}
table.data td.hl{font-weight:800;color:var(--accent)}
.note-src{font-size:.78rem;color:var(--muted);border-left:2px solid var(--blue);padding-left:.8rem;margin:1rem 0 1.5rem}
.note-src a{color:var(--accent)}
aside.side{position:sticky;top:110px;align-self:start;display:flex;flex-direction:column;gap:1.25rem}
.box{background:var(--card);border:1px solid var(--line);padding:1.75rem}
.box h2,.box h3{font-size:.75rem;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);font-weight:700;margin-bottom:1rem}
.box ul{list-style:none}
.box li{padding:.55rem 0;border-bottom:1px solid var(--line);font-size:.9rem;color:var(--ink)}
.box li:last-child{border-bottom:0}
.box li b{display:block;font-size:1.5rem;font-weight:800;letter-spacing:-.02em;color:var(--accent);line-height:1.1}
.box.dark{background:var(--navy);border-color:var(--navy);color:#fff}
.box.dark h3{color:#8FB0FF}
.box.dark p{font-size:.92rem;color:rgba(255,255,255,.8);margin-bottom:1.25rem}
.box.dark .btn{background:var(--blue)}
.box a.more{display:block;color:var(--accent);font-weight:600;font-size:.88rem;text-decoration:none;padding:.4rem 0}
.box a.more:hover{text-decoration:underline}
.related{padding:4rem 0;border-top:1px solid var(--line)}
.related h2{font-size:1.4rem;font-weight:700;margin-bottom:1.5rem}
.rel-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}
.rel{background:var(--card);border:1px solid var(--line);padding:1.5rem;text-decoration:none;color:var(--ink);transition:border-color .3s,transform .3s}
.rel:hover{border-color:var(--blue);transform:translateY(-3px)}
.rel span{font-size:.72rem;font-weight:700;letter-spacing:.1em;color:var(--accent);text-transform:uppercase}
.rel h3{font-size:1.02rem;font-weight:700;margin:.4rem 0 .3rem}
.rel p{font-size:.84rem;color:var(--muted)}
/* FAQ */
.faq-cats{display:flex;flex-wrap:wrap;gap:.5rem;margin:0 0 2.5rem}
.faq-cats a{font-size:.8rem;font-weight:600;color:var(--ink);text-decoration:none;border:1px solid var(--line);padding:.5rem .9rem;background:var(--card)}
.faq-cats a:hover{border-color:var(--blue);color:var(--accent)}
.faq-group{margin-bottom:3rem}
.faq-group>h2{font-size:1.2rem;font-weight:700;margin-bottom:1rem;padding-bottom:.6rem;border-bottom:2px solid var(--ink)}
details.q{border-bottom:1px solid var(--line);background:var(--card)}
details.q summary{cursor:pointer;list-style:none;padding:1.25rem 3rem 1.25rem 1.25rem;font-weight:700;font-size:1rem;position:relative}
details.q summary::-webkit-details-marker{display:none}
details.q summary::after{content:"+";position:absolute;right:1.25rem;top:50%;transform:translateY(-50%);font-size:1.5rem;font-weight:300;color:var(--accent);transition:transform .25s}
details.q[open] summary::after{transform:translateY(-50%) rotate(45deg)}
details.q .a{padding:0 1.25rem 1.5rem}
details.q .a p,details.q .a li{color:var(--muted);font-size:.94rem}
details.q .a p{margin-bottom:.75rem}
details.q .a ul{margin:0 0 .75rem 1.25rem}
details.q .src{font-size:.78rem;color:var(--muted);margin-top:.5rem}
details.q .src a{color:var(--accent)}
.disclaimer{background:#E3EBFF;color:#0D1B2A;padding:1rem 1.25rem;font-size:.85rem;margin-bottom:2.5rem;border-left:3px solid var(--blue)}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .disclaimer{background:#1B2C4A;color:#E8EEF7}}
/* footer sitemap */
.foot-grid{display:grid;grid-template-columns:1.2fr 1fr 1fr 1fr;gap:2.5rem;padding-bottom:2rem;border-bottom:1px solid var(--line);margin-bottom:2rem}
.foot-grid h2{font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:var(--accent);font-weight:700;margin-bottom:.9rem}
.foot-grid ul{list-style:none}
.foot-grid li{margin-bottom:.45rem}
.foot-grid a{color:var(--muted);text-decoration:none;font-size:.85rem}
.foot-grid a:hover{color:var(--accent)}
.foot-grid address{font-style:normal;font-size:.85rem;color:var(--muted);line-height:1.7;margin-top:.9rem}
.foot-grid address a{color:var(--muted)}
/* legal page */
.legal-page{max-width:820px;padding:2rem 0 5rem}
.legal-page h1{font-size:clamp(2rem,3.4vw,2.8rem);font-weight:700;letter-spacing:-.02em;margin:1rem 0 .4rem}
.legal-page .ver{font-size:.8rem;color:var(--muted);margin-bottom:2rem}
.legal-page h2{font-size:1.1rem;font-weight:700;margin:2rem 0 .5rem}
.legal-page p{color:var(--muted);margin-bottom:.6rem}
@media (max-width:980px){.page-hero,.content{grid-template-columns:1fr;gap:2.5rem}aside.side{position:static}.rel-grid{grid-template-columns:1fr 1fr}.foot-grid{grid-template-columns:1fr}}
@media (max-width:600px){.rel-grid{grid-template-columns:1fr}}
/* complementary services */
.more-block{margin-top:5rem}
.more-title{font-size:clamp(1.5rem,2.4vw,2.1rem);font-weight:300;letter-spacing:-.02em;line-height:1.15;margin-bottom:2rem}
.more-title strong{font-weight:800}
.more-grid{display:grid;grid-template-columns:repeat(5,1fr);gap:1px;background:var(--line);border:1px solid var(--line)}
.mo{background:var(--card);padding:1.75rem 1.5rem;transition:background .25s}
.mo .ico{width:44px;height:44px;background:#E3EBFF;color:#1D4ED8;display:flex;align-items:center;justify-content:center;margin-bottom:1.1rem}
.mo h4{font-size:1rem;font-weight:700;margin-bottom:.4rem}
.mo h4 a{color:inherit;text-decoration:none;border-bottom:1px solid var(--blue)}
.mo p{font-size:.86rem;color:var(--muted);line-height:1.6}
.more-tag{background:var(--navy);color:#fff;text-align:center;font-weight:600;padding:1.3rem 1.5rem}
/* TCO section */
.tco-grid{display:grid;grid-template-columns:.85fr 1.15fr;gap:4rem;align-items:start}
.tco-lead{font-size:1.05rem;color:var(--muted);margin-bottom:1.5rem}
.callout{background:#E3EBFF;border-left:3px solid var(--blue);padding:1.1rem 1.3rem;color:#0D1B2A}
.callout p{font-size:.92rem;line-height:1.6}
.callout .callout-t{font-weight:700;color:#1D4ED8;margin-bottom:.2rem}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .callout{background:#1B2C4A;color:#E8EEF7}:root:not([data-theme="light"]) .callout .callout-t{color:#8FB0FF}}
table.data.tco th[scope="row"]{font-weight:700;white-space:nowrap;color:var(--ink);font-size:.92rem;letter-spacing:0;text-transform:none;border-bottom:1px solid var(--line);padding:.95rem 1rem}
table.data.tco td{color:var(--muted)}
.badge{display:inline-block;margin-left:.4rem;background:#E3EBFF;color:#1D4ED8;font-size:.72rem;font-weight:700;padding:.15rem .5rem;white-space:nowrap}
.sr-only{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
@media (max-width:1100px){.more-grid{grid-template-columns:repeat(3,1fr)}}
@media (max-width:980px){.tco-grid{grid-template-columns:1fr;gap:2rem}}
@media (max-width:600px){.more-grid{grid-template-columns:1fr}}
/* engagement */
.engage{background:var(--card)}
.engage-quote{margin:0 0 3.5rem;position:relative;padding-left:4.5rem;max-width:1050px}
.engage-quote::before{content:"“";position:absolute;left:0;top:-1.6rem;font-size:7rem;line-height:1;font-weight:800;color:var(--blue)}
.engage-quote p{font-size:clamp(1.6rem,3vw,2.5rem);font-weight:300;line-height:1.25;letter-spacing:-.02em;color:var(--ink)}
.engage-quote strong{font-weight:800}
.engage-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:0;border-top:2px solid var(--ink)}
.eg{padding:2rem 2rem 0 0;border-right:1px solid var(--line);margin-right:2rem}
.eg:last-child{border-right:0;margin-right:0}
.eg-n{font-size:.78rem;font-weight:700;letter-spacing:.12em;color:var(--accent)}
.eg h3{font-size:1.2rem;font-weight:700;margin:.5rem 0 .6rem;letter-spacing:-.01em}
.eg p{font-size:.92rem;color:var(--muted);line-height:1.65}
@media (max-width:980px){.engage-grid{grid-template-columns:1fr}.eg{border-right:0;margin-right:0;padding-right:0;padding-bottom:1.5rem;border-bottom:1px solid var(--line)}.engage-quote{padding-left:3rem}.engage-quote::before{font-size:5rem}}
/* mobile menu */
.menu-btn{display:none;width:44px;height:44px;background:none;border:1px solid var(--line);cursor:pointer;flex-direction:column;justify-content:center;align-items:center;gap:5px;margin-left:auto}
.menu-btn span{display:block;width:20px;height:2px;background:var(--ink);transition:transform .25s,opacity .25s}
.menu-btn[aria-expanded="true"] span:nth-child(1){transform:translateY(7px) rotate(45deg)}
.menu-btn[aria-expanded="true"] span:nth-child(2){opacity:0}
.menu-btn[aria-expanded="true"] span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media (max-width:1180px){.nav ul{gap:1.25rem}.nav ul a{font-size:.8rem}}
@media (max-width:1180px){
 .menu-btn{display:flex}
 .nav .wrap{position:relative;gap:1rem}
 .nav ul{display:none;position:absolute;top:100%;left:0;right:0;flex-direction:column;gap:0;background:var(--bg);border-bottom:1px solid var(--line);box-shadow:0 20px 40px rgba(13,27,42,.12);padding:.5rem 1.5rem 1rem}
 .nav ul.open{display:flex}
 .nav ul li{border-bottom:1px solid var(--line)}
 .nav ul li:last-child{border-bottom:0}
 .nav ul a{display:block;padding:.95rem 0;font-size:1rem}
}
@media (max-width:600px){.nav .btn{display:none}}
details.q .see{margin:.25rem 0 .5rem}
details.q .see a{display:inline-block;font-weight:700;font-size:.9rem;color:var(--accent);text-decoration:none;border-bottom:2px solid var(--blue);padding-bottom:.1rem}
details.q .see a:hover{color:var(--ink)}
/* contact form */
.cta{min-height:auto;padding:6rem 0}
.cta::before{background:linear-gradient(90deg,rgba(13,27,42,.94) 30%,rgba(13,27,42,.82))}
.cta-grid{display:grid;grid-template-columns:1fr 1.05fr;gap:4rem;align-items:start}
.cta-copy p{max-width:440px}
.cta-direct{list-style:none;margin:0 0 1.5rem}
.cta-direct li{display:flex;align-items:center;gap:.75rem;padding:.6rem 0;border-bottom:1px solid rgba(255,255,255,.15);color:#fff;font-size:.98rem}
.cta-direct .ic{color:#8FB0FF;flex-shrink:0}
.cta-direct a{color:#fff;text-decoration:none}
.cta-person{font-size:.85rem;color:rgba(255,255,255,.6)}
.cform{background:#fff;color:#0D1B2A;padding:2rem;box-shadow:0 30px 70px rgba(0,0,0,.35)}
.cform h3{font-size:1.25rem;font-weight:700;margin-bottom:1.25rem;color:#0D1B2A}
.cform .row{display:flex;flex-direction:column;gap:.35rem;margin-bottom:1rem}
.cform .row2{display:grid;grid-template-columns:1fr 1fr;gap:1rem}
.cform label{font-size:.78rem;font-weight:600;color:#3A4556}
.cform input,.cform select,.cform textarea{font:inherit;font-size:.95rem;color:#0D1B2A;background:#F4F6FA;border:1px solid #D3DAE5;padding:.75rem .85rem;border-radius:0;width:100%;min-height:46px}
.cform textarea{resize:vertical;min-height:110px}
.cform input:focus,.cform select:focus,.cform textarea:focus{outline:2px solid #2563FF;outline-offset:0;border-color:#2563FF;background:#fff}
.cform .hp{position:absolute;left:-9999px;width:1px;height:1px;overflow:hidden}
.cform .consent{display:flex;gap:.6rem;align-items:flex-start;font-weight:400;font-size:.8rem;color:#566173;margin:.25rem 0 1.25rem;line-height:1.5}
.cform .consent input{width:18px;height:18px;min-height:0;margin-top:.15rem;flex-shrink:0;accent-color:#2563FF}
.cform .consent a{color:#1D4ED8}
.cform .btn{width:100%;justify-content:center;background:#2563FF;font-size:.95rem;padding:1rem 1.4rem;border:0;cursor:pointer}
.cform .btn:hover{background:#1D4ED8}
.cform .ferr{background:#FEF2F2;color:#991B1B;border-left:3px solid #DC2626;padding:.7rem .9rem;font-size:.85rem;margin-bottom:1rem}
.fdone{margin-top:1.25rem;border-top:1px solid #E3E8F0;padding-top:1.25rem}
.fdone h4{font-size:1.05rem;font-weight:700;margin-bottom:.4rem;color:#0D1B2A}
.fdone p{font-size:.88rem;color:#566173;margin-bottom:1rem;max-width:none}
.fdone .send{display:grid;grid-template-columns:1fr 1fr;gap:.6rem}
.fdone .send a,.fdone .send button{display:flex;align-items:center;justify-content:center;gap:.5rem;font:600 .85rem Montserrat,sans-serif;padding:.8rem;border:1px solid #D3DAE5;background:#fff;color:#0D1B2A;text-decoration:none;cursor:pointer;min-height:44px}
.fdone .send a:hover,.fdone .send button:hover{border-color:#2563FF;color:#1D4ED8}
.fdone .send .primary{grid-column:1/-1;background:#0D1B2A;color:#fff;border-color:#0D1B2A}
.fdone .send .primary:hover{background:#2563FF;color:#fff;border-color:#2563FF}
.fdone .addr{font-size:.8rem;color:#566173;margin-top:.9rem}
.fdone .addr b{color:#0D1B2A}
@media (max-width:980px){.cta-grid{grid-template-columns:1fr;gap:2.5rem}}
@media (max-width:600px){.cform{padding:1.4rem}.cform .row2,.fdone .send{grid-template-columns:1fr}}
.only-m{display:none}
@media (max-width:600px){.nav ul li.only-m{display:block}}
.more-tag a{color:#8FB0FF;text-decoration:underline;text-underline-offset:3px}
/* language switch */
.nav-end{display:flex;align-items:center;gap:1rem}
.langs{display:flex;border:1px solid var(--line);background:var(--card)}
.langs a{font:700 .72rem Montserrat,sans-serif;letter-spacing:.06em;color:var(--muted);text-decoration:none;padding:.55rem .6rem;min-width:36px;text-align:center;line-height:1}
.langs a+a{border-left:1px solid var(--line)}
.langs a:hover{color:var(--ink)}
.langs a[aria-current="true"]{background:var(--navy);color:#fff}
@media (prefers-color-scheme:dark){:root:not([data-theme="light"]) .langs a[aria-current="true"]{background:var(--blue)}}
.foot-grid .langs{display:inline-flex;margin-top:1.25rem}

@media (max-width:1180px){.nav-end{margin-left:auto}.menu-btn{margin-left:0;order:3}}
@media (max-width:600px){.nav .btn{display:none}.langs a{padding:.55rem .45rem;min-width:30px}}
.nav .btn{white-space:nowrap}
@media (max-width:1360px){.nav ul{gap:1rem}.nav ul a{font-size:.8rem}.nav-end{gap:.75rem}}

.logo{flex-shrink:0}

@media (min-width:1181px) and (max-width:1360px){.nav ul{gap:.9rem}.nav ul a{font-size:.78rem}.nav ul .nn{margin-right:.2rem}}
.tco-grid>div,.content>*,.cta-grid>*{min-width:0}table.data.tco{min-width:0}