:root{--navy:#0B1F3A;--navy2:#132B4D;--ink:#1A2433;--slate:#4A5568;--line:#D9DEE6;--alt:#F3F5F8;--gold:#B08D57;--gold-lt:#C9A66B}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--ink);font-family:'Public Sans',system-ui,sans-serif;font-size:17px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--navy)}a:hover{color:var(--gold)}
h1,h2,h3,h4{font-family:'Manrope',sans-serif;color:var(--navy);margin:0}
.wrap{max-width:1200px;margin:0 auto;padding-left:24px;padding-right:24px}
.skip{position:absolute;left:-9999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:16px;top:16px}
.eyebrow{display:flex;align-items:center;gap:12px;margin:0 0 16px;font-size:13px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--slate)}
.eyebrow::before{content:"";width:28px;height:2px;background:var(--gold)}
h2{font-size:clamp(30px,3.4vw,42px);line-height:1.15;font-weight:700;letter-spacing:-.01em}
.btn{display:inline-flex;align-items:center;gap:8px;text-decoration:none;font-weight:600;font-size:16px;padding:15px 26px;border-radius:2px;letter-spacing:.01em;transition:background .15s,border-color .15s}
.text-link{display:inline-flex;align-items:center;gap:8px;font-weight:600;text-decoration:none;color:var(--navy);border-bottom:2px solid var(--gold);padding-bottom:2px}
.text-link:hover{color:var(--gold)}

/* utility + header */
.util{background:var(--navy);color:#C8D1DE;font-size:14px}
.util .wrap{display:flex;flex-wrap:wrap;justify-content:space-between;gap:6px 24px;padding-top:9px;padding-bottom:9px}
.util a{color:#C8D1DE;text-decoration:none}.util a:hover{color:#fff}
.util-links{display:flex;flex-wrap:wrap;gap:6px 24px}
.site-header{border-bottom:1px solid var(--line);background:rgba(255,255,255,.97);position:sticky;top:0;z-index:50;backdrop-filter:saturate(1.4) blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;gap:16px;padding-top:16px;padding-bottom:16px}
.logo{display:flex;align-items:center;gap:14px;text-decoration:none}
.mark{width:44px;height:44px;background:var(--navy);color:var(--gold-lt);display:flex;align-items:center;justify-content:center;font-family:'Manrope',sans-serif;font-weight:800;font-size:17px;letter-spacing:.04em}
.word{display:flex;flex-direction:column;line-height:1.1}
.word b{font-family:'Manrope',sans-serif;font-weight:800;font-size:19px;color:var(--navy);letter-spacing:.06em}
.word span{font-size:11px;font-weight:600;letter-spacing:.32em;color:var(--slate);margin-top:3px}
#site-nav{display:flex;align-items:center;gap:4px 30px;font-size:15px;font-weight:500}
#site-nav a{text-decoration:none;color:var(--ink);padding:10px 0;position:relative}
#site-nav a:not(.btn)[aria-current="page"]{color:var(--navy);font-weight:600}
#site-nav a:not(.btn)[aria-current="page"]::after{content:"";position:absolute;left:0;right:0;bottom:2px;height:2px;background:var(--gold)}
#site-nav a:not(.btn):hover{color:var(--gold)}
#site-nav a.btn{background:var(--navy);color:#fff;padding:12px 20px}#site-nav a.btn:hover{background:var(--navy2);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:2px;width:44px;height:44px;padding:0;cursor:pointer;flex-direction:column;align-items:center;justify-content:center;gap:5px}
.menu-btn span{display:block;width:20px;height:2px;background:var(--navy)}

/* hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:520px;height:520px;border:1px solid rgba(201,166,107,.18);border-radius:50%;pointer-events:none}
.hero .wrap{padding-top:112px;padding-bottom:112px;position:relative;z-index:1}
.hero .eyebrow,.page-hero .eyebrow,.partner .eyebrow,.cta-band .eyebrow{color:var(--gold-lt)}
.hero h1{color:#fff;font-weight:800;font-size:clamp(40px,5.4vw,68px);line-height:1.06;letter-spacing:-.02em;max-width:900px}
.hero-lede{margin:28px 0 0;font-size:20px;line-height:1.6;color:#C8D1DE;max-width:700px}
.ctas{display:flex;flex-wrap:wrap;gap:14px;margin-top:44px}
.btn-gold{background:var(--gold-lt);color:var(--navy)}.btn-gold:hover{background:#D8BA85;color:var(--navy)}
.btn-ghost{border:1px solid #4A6182;color:#fff}.btn-ghost:hover{border-color:#fff;color:#fff}

/* page hero (inner pages) */
.page-hero{background:var(--navy);color:#fff;border-bottom:3px solid var(--gold)}
.page-hero .wrap{padding-top:72px;padding-bottom:80px}
.page-hero.tall .wrap{padding-top:120px;padding-bottom:140px}
.page-hero h1{color:#fff;font-weight:800;font-size:clamp(36px,4.6vw,56px);line-height:1.08;letter-spacing:-.02em;max-width:820px}
.page-hero .lede{margin:22px 0 0;font-size:19px;line-height:1.65;color:#C8D1DE;max-width:680px}
.page-hero .lede a{color:var(--gold-lt)}
.crumbs{margin:0 0 36px;font-size:14px;color:#8FA0B8;display:flex;gap:10px}
.crumbs a{color:#C8D1DE;text-decoration:none}.crumbs a:hover{color:#fff}

/* facts */
.facts{border-bottom:1px solid var(--line)}
.facts dl{margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr))}
.facts div{padding:32px 24px;border-left:1px solid var(--line)}
.facts div:first-child{border-left:0;padding-left:0}
dt{font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--slate)}
dd{margin:6px 0 0;font-family:'Manrope',sans-serif;font-weight:700;font-size:20px;color:var(--navy)}

/* sections */
.sec{padding-top:104px;padding-bottom:104px}
.alt{background:var(--alt)}
.sec-head{max-width:760px}
.split{display:flex;flex-wrap:wrap;gap:48px 80px}
.split>.l{flex:1 1 340px;min-width:0}
.split>.r{flex:1.4 1 480px;min-width:0}
.sub{margin:20px 0 0;color:var(--slate);font-size:18px;line-height:1.7}
.prose p{margin:0 0 18px;color:var(--slate);font-size:18px;line-height:1.75}
.prose p:last-child{margin-bottom:0}
.grid3{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:24px;margin-top:56px}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);padding:36px 32px}
.n{font-family:'Manrope',sans-serif;font-weight:700;font-size:14px;letter-spacing:.12em;color:var(--gold)}
.card h3{font-size:22px;font-weight:700;margin:14px 0 12px}
.card p{margin:0;color:var(--slate);line-height:1.7}

/* explore tiles */
.tiles{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:24px;margin-top:56px}
.tile{display:flex;flex-direction:column;background:#fff;border:1px solid var(--line);padding:34px 30px;text-decoration:none;color:var(--ink);transition:border-color .15s,transform .15s,box-shadow .15s}
.tile:hover{border-color:var(--navy);transform:translateY(-3px);box-shadow:0 14px 30px -18px rgba(11,31,58,.45);color:var(--ink)}
.tile h3{font-size:22px;margin:14px 0 10px}
.tile p{margin:0 0 24px;color:var(--slate);line-height:1.65;flex:1}
.tile .go{display:inline-flex;align-items:center;gap:8px;font-weight:600;color:var(--navy);font-size:15px}
.tile:hover .go{color:var(--gold)}

/* categories */
.cats{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:0;margin-top:48px;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.cat{padding:32px 28px;border-right:1px solid var(--line);border-bottom:1px solid var(--line)}
.cat h3{font-size:19px;margin-bottom:8px}
.cat p{margin:0;color:var(--slate);line-height:1.65}

/* standards list */
.std{list-style:none;margin:0;padding:0;border-top:1px solid var(--line)}
.std li{display:flex;gap:18px;padding:24px 0;border-bottom:1px solid var(--line)}
.std .ck{flex:none;margin-top:3px;color:var(--gold)}
.std b{display:block;font-family:'Manrope',sans-serif;font-size:18px;color:var(--navy);margin-bottom:4px}
.std span{color:var(--slate);line-height:1.65}
.std-lg li{padding:28px 0}
.std-lg b{font-size:20px}

/* operations flow */
.flow{list-style:none;margin:56px 0 0;padding:0;position:relative}
.flow li{display:flex;gap:32px;padding:0 0 44px;position:relative}
.flow li:last-child{padding-bottom:0}
.flow li::before{content:"";position:absolute;left:27px;top:56px;bottom:0;width:1px;background:var(--line)}
.flow li:last-child::before{display:none}
.flow .n{flex:none;width:56px;height:56px;border:1px solid var(--navy);background:#fff;display:flex;align-items:center;justify-content:center;color:var(--navy);position:relative;z-index:1}
.flow h3{font-size:22px;margin:12px 0 8px}
.flow p{margin:0;color:var(--slate);line-height:1.7;max-width:760px}

/* profile table */
.profile{width:100%;border-collapse:collapse;border-top:1px solid var(--line)}
.profile th,.profile td{text-align:left;padding:18px 0;border-bottom:1px solid var(--line);vertical-align:top}
.profile th{width:38%;padding-right:24px;font-size:13px;font-weight:600;letter-spacing:.12em;text-transform:uppercase;color:var(--slate)}
.profile td{color:var(--navy);font-weight:500}

/* partner band */
.partner{background:var(--navy);color:#fff}
.partner h2{color:#fff}
.steps{list-style:none;margin:56px 0 0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:0;border-top:1px solid #2C4468}
.steps li{padding:32px 32px 8px 0}
.steps .n{color:var(--gold-lt)}
.steps h3{color:#fff;font-size:20px;margin:12px 0 10px}
.steps p{margin:0;color:#C8D1DE}

/* faq */
.faq details{border-bottom:1px solid var(--line)}
.faq details:first-child{border-top:1px solid var(--line)}
.faq summary{cursor:pointer;list-style:none;padding:22px 40px 22px 0;font-family:'Manrope',sans-serif;font-weight:700;font-size:18px;color:var(--navy);position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:18px;font-size:24px;font-weight:600;color:var(--gold)}
.faq details[open] summary::after{content:"\2212"}
.faq details p{margin:0 0 22px;color:var(--slate);line-height:1.7}

/* cta band */
.cta-band{background:var(--navy2);color:#fff}
.cta-band .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:32px;padding-top:72px;padding-bottom:72px}
.cta-band h2{color:#fff;font-size:clamp(26px,2.8vw,34px);max-width:620px}
.cta-band p{margin:14px 0 0;color:#C8D1DE;max-width:620px}
.cta-band .ctas{margin-top:0}

/* next page */
.next{border-top:1px solid var(--line)}
.next-link{display:grid;gap:6px;padding:56px 0;text-decoration:none;color:var(--ink)}
.next-link .k{font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--slate)}
.next-link .t{display:inline-flex;align-items:center;gap:12px;font-family:'Manrope',sans-serif;font-weight:700;font-size:clamp(26px,3vw,36px);color:var(--navy)}
.next-link .d{color:var(--slate)}
.next-link:hover .t{color:var(--gold)}

/* contact */
.contact-card{display:flex;flex-direction:column;gap:22px;margin-top:36px}
.contact-card div{border-left:2px solid var(--gold);padding-left:18px}
.contact-card span{display:block;font-size:12px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:var(--slate)}
.contact-card a,.contact-card p{margin:4px 0 0;font-size:18px;font-weight:500;color:var(--navy);text-decoration:none;overflow-wrap:anywhere}
.contact-card a:hover{color:var(--gold)}
form{background:#fff;border:1px solid var(--line);border-top:3px solid var(--navy);padding:40px;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:20px}
form h3{grid-column:1/-1;font-size:22px}
label{display:flex;flex-direction:column;gap:8px;font-size:14px;font-weight:600;color:var(--ink)}
input,textarea,select{font:inherit;font-weight:400;font-size:16px;padding:13px 14px;border:1px solid #B9C2CF;border-radius:2px;background:#fff;color:var(--ink)}
input:focus,textarea:focus,select:focus{outline:2px solid var(--navy);outline-offset:0;border-color:var(--navy)}
textarea{resize:vertical}
.full{grid-column:1/-1}
button[type=submit]{grid-column:1/-1;justify-self:start;font:inherit;font-weight:600;font-size:16px;background:var(--navy);color:#fff;border:0;border-radius:2px;padding:15px 30px;cursor:pointer}
button[type=submit]:hover{background:var(--navy2)}
.note{grid-column:1/-1;margin:0;font-size:14px;color:var(--slate)}
.hidden{display:none}

/* footer */
footer{background:#071629;color:#9AA8BC;font-size:15px}
footer .wrap{padding-top:64px;padding-bottom:40px}
.foot{display:grid;grid-template-columns:1.6fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:48px;border-bottom:1px solid #1E3352}
.foot-brand p{margin:18px 0 0;max-width:320px;line-height:1.7}
.foot .word b{color:#fff}.foot .word span{color:#9AA8BC}
.foot-col{display:flex;flex-direction:column;gap:10px}
.foot-col h4{color:#fff;font-size:13px;letter-spacing:.16em;text-transform:uppercase;margin-bottom:6px}
.foot address{font-style:normal;line-height:1.7}
.foot a{color:#9AA8BC;text-decoration:none;overflow-wrap:anywhere}.foot a:hover{color:#fff}
.legal{display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;padding-top:24px;font-size:14px}

/* responsive */
@media (max-width:900px){
  .menu-btn{display:flex}
  #site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;gap:0;padding:8px 24px 20px;box-shadow:0 16px 24px -16px rgba(11,31,58,.3)}
  #site-nav.open{display:flex}
  #site-nav a{padding:14px 0;border-bottom:1px solid var(--line)}
  #site-nav a:not(.btn)[aria-current="page"]::after{display:none}
  #site-nav a.btn{margin-top:16px;justify-content:center;border-bottom:0}
  .site-header .nav{position:relative}
  .foot{grid-template-columns:1fr 1fr}
}
@media (max-width:640px){
  .sec{padding-top:72px;padding-bottom:72px}
  .hero .wrap{padding-top:72px;padding-bottom:72px}
  .page-hero .wrap{padding-top:48px;padding-bottom:56px}
  .page-hero.tall .wrap{padding-top:72px;padding-bottom:88px}
  form{grid-template-columns:minmax(0,1fr);padding:28px 22px}
  .facts div{border-left:0;padding-left:0;border-top:1px solid var(--line)}
  .facts div:first-child{border-top:0}
  .flow li{gap:20px}
  .flow .n{width:44px;height:44px}
  .flow li::before{left:21px;top:44px}
  .profile th{width:42%}
  .foot{grid-template-columns:1fr}
  .util .wrap>span{display:none}
}