:root{--navy:#0b1f3a;--navy2:#142e56;--electric:#1e5aff;--bg:#f4f6fb;--card:#fff;--border:#e2e6ee;--muted:#64748b;--text:#0b1f3a}
*{box-sizing:border-box}html{scroll-behavior:smooth;-webkit-text-size-adjust:100%}
body{margin:0;font-family:system-ui,-apple-system,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.6}
a{color:var(--electric)}img,svg{max-width:100%}
.wrap{width:100%;max-width:1080px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:10}
.header{position:sticky;top:0;background:rgba(255,255,255,.95);backdrop-filter:blur(8px);border-bottom:1px solid var(--border);z-index:5}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:10px;padding-bottom:10px}
.brand{display:flex;align-items:center;gap:10px;font-weight:700;color:var(--navy);text-decoration:none}
.logo-mark{width:36px;height:36px}
.nav{display:flex;gap:6px 18px;flex-wrap:wrap;font-size:.95rem}.nav a{color:var(--navy);text-decoration:none;padding:4px 0}.nav a:hover{color:var(--electric)}
.hero{background:linear-gradient(135deg,var(--navy),var(--navy2));color:#fff;padding:72px 0}
.eyebrow{color:#9db6ff;text-transform:uppercase;letter-spacing:.12em;font-size:.8rem;font-weight:600;margin:0 0 12px}
h1{font-size:clamp(1.9rem,5vw,3rem);line-height:1.15;margin:0 0 16px}
.lead{font-size:1.15rem;max-width:620px;color:#dbe4f5;margin:0 0 28px}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin:0}
.btn{display:inline-block;background:var(--electric);color:#fff;text-decoration:none;padding:12px 22px;border-radius:10px;font-weight:600}
.btn.ghost{background:transparent;border:1px solid #6f8bd1}
.section{padding:56px 0}.section.alt{background:var(--bg)}
h2{font-size:1.6rem;margin:0 0 16px}h3{margin:0 0 6px;font-size:1.05rem}
.two{display:grid;grid-template-columns:1fr 2fr;gap:32px}
.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.card{background:var(--card);border:1px solid var(--border);border-radius:14px;padding:20px;overflow-wrap:anywhere}.card p{margin:0}
.note{color:var(--muted);margin-top:20px}
.data{display:grid;grid-template-columns:repeat(2,1fr);gap:12px;margin:0}
.data div{background:var(--card);border:1px solid var(--border);border-radius:12px;padding:14px 16px;overflow-wrap:anywhere}
.data dt{font-size:.8rem;text-transform:uppercase;letter-spacing:.06em;color:var(--muted)}.data dd{margin:2px 0 0;font-weight:600}
.prose{max-width:780px}.prose h1{font-size:2rem;color:var(--navy)}.prose h2{font-size:1.2rem;margin-top:28px}.muted{color:var(--muted)}
.footer{background:var(--navy);color:#cdd8ee;padding:36px 0 18px;font-size:.92rem}
.footer a{color:#fff}.footer p{margin:6px 0}.footer strong{color:#fff}
.footer-in{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;overflow-wrap:anywhere}
.copy{margin-top:20px;padding-top:14px;border-top:1px solid #24406b;color:#9fb0cf}
@media (max-width:760px){.two,.cards,.data,.footer-in{grid-template-columns:1fr}.hero{padding:48px 0}.section{padding:40px 0}}