*,*::before,*::after{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;font-size:16px}
body{font-family:-apple-system,BlinkMacSystemFont,'Segoe UI',Roboto,Helvetica,Arial,sans-serif;color:#0D1526;background:#fff;line-height:1.65;overflow-x:hidden;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4,h5{line-height:1.18;letter-spacing:-0.025em}
a{color:inherit;text-decoration:none}
img{display:block;max-width:100%}
button{font-family:inherit;cursor:pointer}

/* NAV always white so logo looks correct */
.nav{position:fixed;top:0;left:0;right:0;z-index:999;height:70px;background:#fff;border-bottom:1px solid #E4E7F0;box-shadow:0 2px 12px rgba(13,21,38,.06);display:flex;align-items:center}
.nav-inner{max-width:1200px;margin:0 auto;padding:0 40px;width:100%;display:flex;align-items:center;justify-content:space-between;gap:24px}
.nav-logo img{height:50px;width:auto;display:block}
.nav-links{display:flex;align-items:center;gap:2px;list-style:none}
.nav-links a{padding:7px 14px;border-radius:6px;font-size:14px;font-weight:500;color:#4A5578;transition:all .2s}
.nav-links a:hover,.nav-links a.active{color:#1A3A8F;background:#EBF0FF}
.nav-cta{background:#1A3A8F;color:#fff;padding:9px 20px;border-radius:6px;font-size:13px;font-weight:600;transition:all .2s;white-space:nowrap}
.nav-cta:hover{background:#2952C4;box-shadow:0 4px 16px rgba(26,58,143,.3)}
.hamburger{display:none;flex-direction:column;gap:5px;background:none;border:none;padding:4px;cursor:pointer}
.hamburger span{display:block;width:22px;height:2px;background:#0D1526;border-radius:2px;transition:all .25s}
.mob-nav{display:none;position:fixed;top:70px;left:0;right:0;background:#fff;z-index:998;border-bottom:1px solid #E4E7F0;box-shadow:0 8px 24px rgba(13,21,38,.1);padding:20px}
.mob-nav.open{display:block}
.mob-nav ul{list-style:none;display:flex;flex-direction:column;gap:4px}
.mob-nav ul a{display:block;padding:10px 14px;border-radius:6px;font-size:15px;font-weight:500;color:#4A5578}
.mob-nav ul a:hover{background:#F5F7FC;color:#1A3A8F}
.mob-cta{display:block;margin-top:14px;background:#1A3A8F;color:#fff !important;padding:12px;border-radius:6px;text-align:center;font-weight:600;font-size:15px}
.page-body{padding-top:70px}

/* LAYOUT */
.container{max-width:1200px;margin:0 auto;padding:0 40px}
.section{padding:84px 0}
.section.bg-mist{background:#F5F7FC}
.section.bg-dark{background:#0D1526}

/* TYPE */
.eyebrow{font-size:11px;letter-spacing:.14em;text-transform:uppercase;color:#2952C4;margin-bottom:12px;display:block;font-weight:700}
.eyebrow.on-dark{color:rgba(255,255,255,.45)}
.sh{font-size:clamp(1.85rem,3vw,2.8rem);font-weight:800;margin-bottom:16px;color:#0D1526}
.sh.on-dark{color:#fff}
.sp{font-size:16px;color:#4A5578;max-width:600px;line-height:1.75}
.sp.on-dark{color:rgba(255,255,255,.6)}
.divider{width:40px;height:3px;background:#2952C4;border-radius:2px;margin-bottom:20px}

/* BUTTONS */
.btn{display:inline-flex;align-items:center;gap:8px;padding:13px 26px;border-radius:7px;font-size:14px;font-weight:600;transition:all .22s;cursor:pointer;white-space:nowrap;border:none}
.btn-primary{background:#1A3A8F;color:#fff}
.btn-primary:hover{background:#2952C4;transform:translateY(-1px);box-shadow:0 6px 20px rgba(26,58,143,.3)}
.btn-outline{background:transparent;color:#1A3A8F;border:1.5px solid #1A3A8F}
.btn-outline:hover{background:#EBF0FF}
.btn-white{background:#fff;color:#1A3A8F;font-weight:700}
.btn-white:hover{background:#F5F7FC;transform:translateY(-1px)}
.btn-ghost{background:transparent;color:#fff;border:1.5px solid rgba(255,255,255,.4)}
.btn-ghost:hover{background:rgba(255,255,255,.1);border-color:rgba(255,255,255,.7)}
.btn-lg{padding:15px 32px;font-size:15px}

/* CARDS */
.card{background:#fff;border:1px solid #E4E7F0;border-radius:14px;box-shadow:0 2px 8px rgba(13,21,38,.05);transition:box-shadow .25s,transform .25s,border-color .25s}
.card:hover{box-shadow:0 10px 36px rgba(13,21,38,.11);transform:translateY(-3px);border-color:#c5cef0}

/* PILL */
.pill{display:inline-block;font-size:11px;font-weight:600;padding:3px 10px;border-radius:100px;background:#EBF0FF;color:#2952C4}
.pill.dark{background:rgba(255,255,255,.12);color:rgba(255,255,255,.75)}

/* FOOTER */
.site-footer{background:#0D1526;padding:64px 0 0;color:rgba(255,255,255,.5)}
.footer-logo-box{background:#fff;border-radius:8px;padding:8px 14px;display:inline-block;margin-bottom:18px}
.footer-logo-box img{height:40px;width:auto}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:44px;padding-bottom:52px;border-bottom:1px solid rgba(255,255,255,.08)}
.footer-brand p{font-size:14px;line-height:1.75;max-width:280px;margin-bottom:20px}
.f-badges{display:flex;gap:7px;flex-wrap:wrap}
.f-badge{font-size:10px;font-weight:700;letter-spacing:.07em;padding:3px 9px;border-radius:4px;border:1px solid rgba(255,255,255,.15);color:rgba(255,255,255,.38)}
.footer-col h5{font-size:10px;letter-spacing:.12em;text-transform:uppercase;color:rgba(255,255,255,.3);margin-bottom:18px}
.footer-col ul{list-style:none;display:flex;flex-direction:column;gap:9px}
.footer-col a{font-size:14px;color:rgba(255,255,255,.5);transition:color .2s}
.footer-col a:hover{color:#fff}
.footer-bottom{padding:22px 0;display:flex;justify-content:space-between;align-items:center;font-size:12px;flex-wrap:wrap;gap:12px}
.footer-legal{display:flex;gap:20px}
.footer-legal a{color:rgba(255,255,255,.3)}
.footer-legal a:hover{color:rgba(255,255,255,.65)}

/* RESPONSIVE */
@media(max-width:1024px){.footer-grid{grid-template-columns:1fr 1fr;gap:32px}}
@media(max-width:900px){
  .nav-links,.nav-cta{display:none}
  .hamburger{display:flex}
  .container{padding:0 20px}
}
@media(max-width:640px){
  .section{padding:56px 0}
  .footer-grid{grid-template-columns:1fr 1fr}
  .footer-bottom{flex-direction:column;align-items:flex-start}
}
@media(max-width:480px){
  .footer-grid{grid-template-columns:1fr}
  .nav-inner{padding:0 20px}
}