:root{--navy:#1B1E23;--navy-2:#3A3F47;--red:#C8102E;--red-d:#A30D25;--sky:#F4F4F5;--line:#DDDDE0;--ink:#16181C;--muted:#50555D;--white:#fff;
--fd:"Barlow Semi Condensed","Arial Narrow",Arial,sans-serif;--fb:"Source Sans 3","Segoe UI",Arial,sans-serif;color-scheme:light}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--ink);font:400 17px/1.6 var(--fb);-webkit-font-smoothing:antialiased}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
img{max-width:100%;display:block}
a{color:var(--navy-2)}
:focus-visible{outline:3px solid var(--red);outline-offset:2px}
.wrap{max-width:1180px;margin:0 auto;padding-inline:20px}
h1,h2,h3{font-family:var(--fd);color:var(--navy);margin:0;line-height:1.08;text-wrap:balance}
h1{font-size:clamp(38px,5.4vw,62px);font-weight:700;letter-spacing:-.005em}
h2{font-size:clamp(28px,3.4vw,40px);font-weight:700}
h3{font-size:22px;font-weight:600}
p{margin:0}
.eyebrow{font:600 14px/1 var(--fb);letter-spacing:.12em;text-transform:uppercase;color:var(--red)}
.lede{font-size:clamp(18px,1.7vw,20px);color:var(--muted);max-width:62ch}
.btn{white-space:nowrap;display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:50px;padding:0 24px;border-radius:4px;font:600 18px/1 var(--fd);letter-spacing:.02em;text-decoration:none;border:2px solid transparent;cursor:pointer}
.btn-red{background:var(--red);color:#fff}.btn-red:hover{background:var(--red-d)}
.btn-line{border-color:currentColor;color:var(--navy);background:transparent}
.btn-white{background:#fff;color:var(--navy)}
.on-dark .btn-line{color:#fff}
/* top bar + header */
.topbar{background:var(--navy);color:#C9CDD3;font-size:14px}
.topbar .wrap{display:flex;justify-content:space-between;gap:16px;padding-block:8px;flex-wrap:wrap}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.site-head{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:env(safe-area-inset-top,0px);z-index:30}
.head-row{display:flex;align-items:center;gap:18px;min-height:78px}
.logo{display:flex;align-items:center;gap:10px;text-decoration:none;flex:none}
.logo svg{width:40px;height:44px}
.logo b{display:block;font:700 24px/1 var(--fd);color:var(--navy);letter-spacing:.01em}
.logo small{display:block;font:600 11px/1.3 var(--fb);letter-spacing:.14em;text-transform:uppercase;color:var(--red)}
.nav{display:flex;gap:2px;margin-left:auto}
.nav>li{position:relative;list-style:none}
.nav{padding:0;margin-block:0}
.nav button,.nav>li>a{white-space:nowrap;font:600 16px/1 var(--fd);color:var(--navy);background:none;border:0;padding:12px 10px;cursor:pointer;text-decoration:none;display:block;border-radius:4px}
.nav button:hover,.nav>li>a:hover{background:var(--sky)}
.nav button::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-bottom:2px solid currentColor;transform:rotate(45deg);margin:0 0 3px 8px}
.drop{position:absolute;top:100%;left:0;min-width:230px;background:#fff;border:1px solid var(--line);border-radius:6px;box-shadow:0 18px 40px -18px rgba(17,36,61,.4);padding:8px;display:none}
.nav li.open .drop,.nav li:hover .drop,.nav li:focus-within .drop{display:block}
.drop a{display:block;padding:9px 12px;text-decoration:none;color:var(--ink);border-radius:4px;font-size:16px}
.drop a:hover{background:var(--sky)}
.head-cta{display:flex;gap:10px;align-items:center}
.head-cta .btn-line{}
@media (max-width:1400px){.head-cta .btn-line{display:none}}
.menu-btn{display:none;margin-left:auto;min-height:44px;padding:0 14px;border:1px solid var(--line);background:#fff;border-radius:4px;font:600 16px/1 var(--fd);color:var(--navy)}
@media (max-width:1180px){
 .menu-btn{display:block}.nav{display:none;position:absolute;left:0;right:0;top:100%;flex-direction:column;background:#fff;border-bottom:1px solid var(--line);padding:8px 20px 16px;max-height:75vh;overflow:auto}
 .nav.open{display:flex}.drop{position:static;display:block;box-shadow:none;border:0;padding:0 0 6px 12px}
 .nav button::after{display:none}.head-cta .btn-line{display:none}}
@media (max-width:560px){.head-cta{display:none}.logo b{font-size:20px}}
/* sections */
section{padding-block:clamp(56px,7vw,96px)}
.sky{background:var(--sky)}
.navy{background:var(--navy);color:#D7E0EB}.navy h2,.navy h3{color:#fff}.navy .lede{color:#C9D4E2}
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding-block:clamp(56px,8vw,104px)}
.hero h1{color:#fff}.hero .lede{color:#D7E0EB}
.hero::before{content:"";position:absolute;inset:auto -10% -1px -10%;height:46%;background:linear-gradient(160deg,transparent 49.6%,rgba(255,255,255,.05) 50%),linear-gradient(20deg,transparent 49.6%,rgba(255,255,255,.04) 50%);pointer-events:none}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:48px;align-items:center;position:relative}
.hero-copy{display:grid;gap:22px;min-width:0}
.ctas{display:flex;gap:12px;flex-wrap:wrap}
@media (max-width:920px){.hero-grid{grid-template-columns:1fr}}
.page-hero{background:var(--navy);padding-block:clamp(44px,6vw,72px)}
.page-hero h1{color:#fff}.page-hero p{color:#D7E0EB;margin-top:14px;max-width:62ch;font-size:19px}
.crumbs{font-size:14px;color:#9FB0C5;margin-bottom:12px}.crumbs a{color:#C9D4E2}
/* form card */
.card-form{background:#fff;color:var(--ink);border-radius:8px;padding:28px;box-shadow:0 30px 60px -30px rgba(0,0,0,.6);display:grid;gap:14px;min-width:0}
.card-form h2{font-size:30px}
.card-form .sub{color:var(--muted);font-size:15px}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:520px){form .row{grid-template-columns:1fr}}
.f{display:grid;gap:5px;min-width:0}
label{font:600 14px/1.3 var(--fb);color:var(--navy)}
input,select,textarea{font:400 16px/1.4 var(--fb);color:var(--ink);border:1px solid #93A1B2;border-radius:4px;padding:11px 12px;width:100%;background:#fff;min-width:0}
textarea{min-height:84px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(200,16,46,.3);border-color:var(--red)}
.hp{position:absolute!important;left:-9999px!important;width:1px;height:1px;overflow:hidden}
.consent{display:grid;grid-template-columns:20px 1fr;gap:10px;font-size:13px;line-height:1.45;color:var(--muted)}
.consent input{width:18px;height:18px;margin-top:2px;padding:0}
.form-msg{font-size:15px;font-weight:600}
.form-msg.ok{color:#11743C}.form-msg.err{color:var(--red)}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);background:#fff;border:1px solid var(--line);border-radius:8px;margin-top:-40px;position:relative;z-index:2;box-shadow:0 20px 40px -28px rgba(17,36,61,.5)}
.stat{padding:24px 22px;border-right:1px solid var(--line);display:grid;gap:4px}
.stat:last-child{border-right:0}
.stat b{font:700 34px/1 var(--fd);color:var(--navy)}
.stat span{font-size:15px;color:var(--muted)}
@media (max-width:820px){.stats{grid-template-columns:1fr 1fr}.stat:nth-child(2){border-right:0}.stat:nth-child(-n+2){border-bottom:1px solid var(--line)}}
/* grids */
.sec-head{display:grid;gap:12px;max-width:760px;margin-bottom:36px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
@media (max-width:900px){.grid3{grid-template-columns:1fr 1fr}.grid2{grid-template-columns:1fr}}
@media (max-width:600px){.grid3{grid-template-columns:1fr}}
.tile{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;display:grid;gap:10px;align-content:start;text-decoration:none;color:inherit;transition:border-color .15s,transform .15s}
a.tile:hover{border-color:var(--navy-2);transform:translateY(-2px)}
.tile .kind{font:600 13px/1 var(--fb);letter-spacing:.1em;text-transform:uppercase;color:var(--red)}
.tile p{color:var(--muted);font-size:16px}
.tile .more{font:600 16px/1 var(--fd);color:var(--navy)}
.why{display:grid;grid-template-columns:repeat(3,1fr);gap:28px 32px}
.why div{display:grid;gap:6px;border-top:3px solid var(--red);padding-top:16px}
.why p{color:var(--muted);font-size:16px}
@media (max-width:820px){.why{grid-template-columns:1fr}}
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:0;counter-reset:s;border:1px solid var(--line);border-radius:8px;background:#fff;overflow:hidden}
.steps>div{padding:24px;border-right:1px solid var(--line);display:grid;gap:8px;align-content:start;counter-increment:s}
.steps>div:last-child{border-right:0}
.steps>div::before{content:counter(s);width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 17px/1 var(--fd)}
.steps p{color:var(--muted);font-size:16px}
@media (max-width:900px){.steps{grid-template-columns:1fr}.steps>div{border-right:0;border-bottom:1px solid var(--line)}}
.checks{list-style:none;padding:0;margin:0;display:grid;gap:10px}
.checks li{display:grid;grid-template-columns:22px 1fr;gap:10px}
.checks li::before{content:"";width:18px;height:18px;margin-top:4px;border-radius:3px;background:var(--red) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.6'/%3E%3C/svg%3E") center/14px no-repeat}
.quote{background:#fff;border:1px solid var(--line);border-radius:8px;padding:24px;display:grid;gap:12px;align-content:start}
.quote .stars{color:#E2A400;letter-spacing:2px;font-size:18px}
.quote q{font:600 20px/1.35 var(--fd);color:var(--navy);quotes:"\201C" "\201D"}
.quote p{color:var(--muted);font-size:16px}
.quote cite{font-style:normal;font-weight:600;font-size:15px}
.quote cite span{color:var(--muted);font-weight:400}
.person{background:#fff;border:1px solid var(--line);border-radius:8px;padding:20px;display:grid;gap:6px;align-content:start}
.person .ini{width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 19px/1 var(--fd);margin-bottom:6px}
.person b{font:700 20px/1.1 var(--fd);color:var(--navy)}
.person span{font:600 14px/1.3 var(--fb);color:var(--red)}
.person p{color:var(--muted);font-size:15px}
.office{background:#fff;border:1px solid var(--line);border-radius:8px;padding:20px;display:grid;gap:4px;font-size:16px}
.office b{font:700 19px/1.2 var(--fd);color:var(--navy)}
.office a{font-weight:600}
.pic{width:100%;height:auto;border-radius:8px;display:block;object-fit:cover;background:var(--sky)}
.pic.r43{aspect-ratio:4/3}.pic.r169{aspect-ratio:16/9}
.logo img{height:62px;width:auto}
.foot-logo{background:#fff;border-radius:8px;padding:10px 14px;display:inline-block}.foot-logo img{height:56px;width:auto;display:block}
.person img{width:88px;height:88px;border-radius:50%;object-fit:cover;margin-bottom:6px}
.ba{display:grid;grid-template-columns:1fr 1fr;gap:8px;background:#fff;border:1px solid var(--line);border-radius:8px;padding:8px}
.ba figure{margin:0;position:relative}.ba figcaption{position:absolute;left:8px;top:8px;background:rgba(0,0,0,.72);color:#fff;font:600 13px/1 var(--fb);padding:5px 8px;border-radius:3px;letter-spacing:.06em;text-transform:uppercase}
.ba .cap{grid-column:1/-1;font-size:15px;color:var(--muted);padding:4px 4px 2px}
.gallery{display:grid;grid-template-columns:repeat(3,1fr);gap:14px}.gallery figure{margin:0;display:grid;gap:6px}.gallery figcaption{font-size:14px;color:var(--muted)}
@media (max-width:820px){.gallery{grid-template-columns:1fr 1fr}}@media (max-width:520px){.gallery{grid-template-columns:1fr}}
.hero{background:linear-gradient(90deg,rgba(17,19,22,.93) 0%,rgba(17,19,22,.82) 55%,rgba(17,19,22,.6) 100%),var(--hero-img) center/cover no-repeat,var(--navy)}
.photo{aspect-ratio:4/3;border-radius:8px;background:repeating-linear-gradient(135deg,#E6EBF2 0 14px,#EEF2F7 14px 28px);border:1px dashed #A9B6C6;display:grid;place-items:center;color:#5E6E81;font-size:14px;text-align:center;padding:12px;max-width:100%}
.prose{display:grid;gap:16px;max-width:72ch}
.prose h2{margin-top:12px}
.prose ul{margin:0;padding-left:22px;display:grid;gap:6px}
dl.terms{display:grid;grid-template-columns:200px 1fr;gap:0;border:1px solid var(--line);border-radius:8px;overflow:hidden;background:#fff}
dl.terms dt,dl.terms dd{margin:0;padding:14px 18px;border-top:1px solid var(--line)}
dl.terms dt{font:700 18px/1.3 var(--fd);color:var(--navy);background:var(--sky)}
dl.terms dt:first-of-type,dl.terms dd:first-of-type{border-top:0}
@media (max-width:600px){dl.terms{grid-template-columns:1fr}dl.terms dd{border-top:0;padding-top:0}}
.cta-band{background:var(--red);color:#fff;padding-block:44px}
.cta-band .wrap{display:flex;justify-content:space-between;align-items:center;gap:20px;flex-wrap:wrap}
.cta-band h2{color:#fff;font-size:clamp(26px,3vw,36px)}
.cta-band .btn-white{color:var(--red)}
.partners{display:flex;flex-wrap:wrap;gap:10px}
.partners span{border:1px solid var(--line);background:#fff;border-radius:999px;padding:6px 14px;font:600 15px/1.3 var(--fd);color:var(--navy)}
/* footer */
.site-foot{background:#111316;color:#B9C6D6;padding-block:56px 96px;font-size:15px}
.foot-grid{display:grid;grid-template-columns:1.3fr 1fr 1fr 1.4fr;gap:32px}
.site-foot h3{color:#fff;font-size:18px;margin-bottom:12px}
.site-foot ul{list-style:none;padding:0;margin:0;display:grid;gap:7px}
.site-foot a{color:#DCE4EE;text-decoration:none}.site-foot a:hover{text-decoration:underline}
.cities{columns:2;column-gap:20px}
.foot-legal{border-top:1px solid #22344C;margin-top:36px;padding-top:18px;display:flex;justify-content:space-between;gap:12px;flex-wrap:wrap;font-size:13px}
@media (max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media (min-width:561px){.site-foot{padding-bottom:40px}}
/* mobile action bar */
.mbar{display:none}
@media (max-width:560px){.mbar{display:grid;grid-template-columns:1fr 1fr;position:fixed;left:0;right:0;bottom:0;z-index:40;padding-bottom:env(safe-area-inset-bottom,0px);background:#fff;border-top:1px solid var(--line);box-shadow:0 -6px 20px rgba(0,0,0,.08)}
 .mbar a{display:flex;align-items:center;justify-content:center;gap:8px;min-height:56px;font:700 18px/1 var(--fd);text-decoration:none}
 .mbar a:first-child{color:var(--navy)}.mbar a:last-child{background:var(--red);color:#fff}}