:root {
  --navy: #0b1f4d;
  --navy-2: #15306d;
  --teal: #20d3c2;
  --teal-soft: #eefcf9;
  --text: #334155;
  --muted: #66758a;
  --line: #e6ebf2;
  --bg-soft: #f8fbfd;
  --footer: #edf4fb;
  --container: 1120px;
}
* { box-sizing: border-box; }
body {
  margin: 0;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--text);
  background: #fff;
  line-height: 1.72;
}
a { color: inherit; text-decoration: none; }
img { display: block; max-width: 100%; }
.container { width: min(var(--container), calc(100% - 40px)); margin: 0 auto; }
.site-header {
  position: static;
  background: linear-gradient(180deg, #f8fcff 0%, #eef5fb 100%);
  border-bottom: 3px solid #a9e4dd;
}
.header-inner {
  min-height: 92px;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px 0;
}
.brand img { width: 213px; height: auto; }
.site-nav {
  display: flex;
  flex-wrap: wrap;
  justify-content: flex-end;
  gap: 18px;
}
.site-nav a {
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
}
.site-nav a.active, .site-nav a:hover { color: #0ea99b; }
.hero {
  padding: 74px 0 54px;
  background: linear-gradient(180deg, rgba(32,211,194,.08) 0%, rgba(255,255,255,0) 100%);
}
.hero-grid {
  display: grid;
  grid-template-columns: 1.3fr .9fr;
  gap: 34px;
  align-items: center;
}
.eyebrow {
  display: inline-block;
  margin-bottom: 14px;
  padding: 7px 12px;
  border-radius: 999px;
  background: var(--teal-soft);
  color: var(--navy-2);
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .06em;
  text-transform: uppercase;
}
h1 {
  margin: 0 0 16px;
  font-size: 38.4px;
  line-height: 1.14;
  color: var(--navy);
}
p { font-size: 14px; margin: 0 0 14px; }
.lead { font-size: 16px; }
.hero-panel {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 28px;
  box-shadow: 0 10px 28px rgba(8,23,51,.07);
}
.hero-panel h2, .section-title { 
  margin: 0 0 14px;
  font-size: 28px;
  line-height: 1.2;
  color: var(--navy);
}
.mini-stats {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 12px;
  margin-top: 20px;
}
.mini-stat {
  padding: 14px;
  border: 1px solid var(--line);
  border-radius: 14px;
  background: var(--bg-soft);
}
.mini-stat strong {
  display: block;
  color: var(--navy);
  font-size: 20px;
  margin-bottom: 6px;
}
.section { padding: 30px 0; }
.section.soft {
  background: var(--bg-soft);
  border-top: 1px solid #edf2f7;
  border-bottom: 1px solid #edf2f7;
}
.intro-copy {
  max-width: 900px;
}
.cards {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
  margin-top: 24px;
}
.card {
  background: #fff;
  border: 1px solid var(--line);
  border-radius: 18px;
  padding: 28px;
  box-shadow: 0 10px 24px rgba(8,23,51,.05);
}
.card-icon {
  width: 48px;
  height: 48px;
  border-radius: 12px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  background: #108877;
  color: #fff;
  font-size: 22px;
  margin-bottom: 18px;
}
.card h3 {
  margin: 0 0 12px;
  font-size: 22px;
  color: #101828;
}
.white-copy {
  max-width: 960px;
}
.white-copy + .white-copy { margin-top: 18px; }
.two-col {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.text-block h2 {
  margin: 0 0 14px;
  font-size: 28px;
  color: var(--navy);
}
.note-band {
  margin-top: 10px;
  padding: 16px 18px;
  border-left: 4px solid var(--teal);
  background: var(--teal-soft);
  border-radius: 0 12px 12px 0;
}
.cta-box {
  border-radius: 18px;
  padding: 30px;
  background: linear-gradient(135deg, #081733 0%, #0f2558 100%);
  color: rgba(255,255,255,.92);
}
.cta-box h2 {
  margin: 0 0 12px;
  font-size: 28px;
  color: #fff;
}
.button {
  display: inline-block;
  margin-top: 8px;
  padding: 12px 18px;
  border-radius: 999px;
  background: var(--teal);
  color: #05243f;
  font-size: 14px;
  font-weight: 700;
}
.site-footer {
  margin-top: 22px;
  background: linear-gradient(180deg, #f8fcff 0%, var(--footer) 100%);
  border-top: 3px solid #a9e4dd;
  color: var(--navy);
}
.footer-wrap {
  padding: 34px 0 28px;
  text-align: center;
}
.footer-logo { margin-bottom: 20px; }
.footer-logo-img {
  height: 40px;
  width: auto;
  display: inline-block;
}
.footer-desc {
  max-width: 900px;
  margin: 0 auto 16px;
  font-size: 14px;
  color: #4a5568;
}
.footer-nav {
  display: flex;
  justify-content: center;
  flex-wrap: wrap;
  gap: 16px 20px;
  margin-bottom: 18px;
}
.footer-nav a {
  color: var(--navy);
  font-size: 14px;
  font-weight: 700;
}
.footer-disclosure {
  max-width: 1440px;
  margin: 0 auto 14px;
  padding-top: 18px;
  border-top: 1px solid #d8e4f0;
}
.footer-disclosure p {
  margin: 0 0 8px;
  font-size: 13px;
  color: #4a5568;
  white-space: nowrap;
}
.footer-copy {
  font-size: 13px;
  color: #6b7280;
}
@media (max-width: 980px) {
  .hero-grid, .cards, .two-col { grid-template-columns: 1fr; }
  .header-inner { flex-direction: column; align-items: flex-start; }
  .site-nav { justify-content: flex-start; }
  .mini-stats { grid-template-columns: 1fr; }
  .footer-disclosure p { white-space: normal; }
}
@media (max-width: 640px) {
  .container { width: min(var(--container), calc(100% - 28px)); }
  h1 { font-size: 32px; }
  .brand img { width: 188px; }
  .hero-panel, .card, .cta-box { padding: 22px; }
}