:root{
  --slate:#37424a; --slate-2:#2b343a; --sky:#0096d6; --link:#1a6b9e; --cta:#b8641a; --cta-h:#9e5414;
  --ink:#111; --text:#333d44; --muted:#5f6a72; --gray:#f3f4f5; --line:#d5dade; --white:#fff;
  --sans:"Helvetica Neue",Helvetica,Arial,system-ui,-apple-system,"Segoe UI",sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--white);color:var(--text);font:17px/1.6 var(--sans);-webkit-font-smoothing:antialiased}
a{color:var(--link);text-decoration:none}a:hover{text-decoration:underline}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
h1,h2,h3{color:var(--ink);margin:0;line-height:1.15}
h2.sec{font-weight:300;font-size:clamp(28px,3.4vw,40px);text-align:center;letter-spacing:-.2px}
.sub{text-align:center;color:var(--muted);max-width:720px;margin:14px auto 0;font-size:18px}
.chev::after{content:"";display:inline-block;width:7px;height:7px;border-right:2px solid currentColor;border-top:2px solid currentColor;transform:rotate(45deg);margin-left:8px;vertical-align:1px}

/* header */
header.top{background:var(--slate);color:#fff;position:sticky;top:0;z-index:30}
.bar{display:flex;align-items:center;justify-content:space-between;height:72px;gap:18px}
.brand{display:flex;align-items:center;gap:12px;color:#fff;text-decoration:none!important}
.brand .mk{width:44px;height:44px;background:#fff;color:var(--slate);display:grid;place-items:center;font-weight:800;font-size:17px;position:relative}
.brand .mk::after{content:"";position:absolute;left:6px;right:6px;bottom:6px;height:4px;background:var(--sky)}
.brand b{font-size:20px;font-weight:700;letter-spacing:.2px;line-height:1.1}
.brand small{display:block;font-size:12px;font-weight:400;color:#c9d1d6;letter-spacing:.3px}
nav.links{display:flex;gap:24px}
nav.links a{color:#fff;font-size:16px}
.btn{display:inline-block;background:var(--cta);color:#fff!important;font-weight:700;padding:12px 26px;border-radius:999px;font-size:16px;text-decoration:none!important;border:0;transition:background .15s}
.btn:hover{background:var(--cta-h)}
.btn.blue{background:var(--link)}.btn.blue:hover{background:#155a85}
.btn.small{padding:9px 18px;font-size:15px;white-space:nowrap}
@media(max-width:1120px){nav.links{display:none}}
@media(max-width:420px){.brand small{display:none}.btn.small{padding:8px 13px;font-size:13.5px}}
.util{background:#fff;border-bottom:1px solid var(--line);font-size:14px;color:var(--muted)}
.util .wrap{display:flex;justify-content:space-between;gap:14px;padding-top:9px;padding-bottom:9px;flex-wrap:wrap}
.util b{color:var(--ink);font-weight:600}

/* hero */
.hero{position:relative;background:linear-gradient(180deg,#e9eef2 0%,#f4f6f8 55%,#fbfcfd 100%);overflow:hidden;text-align:center;padding:92px 0 150px}
.hero h1{font-weight:800;font-size:clamp(38px,6vw,68px);letter-spacing:-1px;max-width:900px;margin:0 auto}
.hero p{font-weight:600;color:#222;font-size:clamp(17px,1.8vw,20px);max-width:680px;margin:22px auto 30px}
.hero .note{font-weight:400;color:var(--muted);font-size:14px;margin:18px auto 0}
@media(max-width:600px){.util{display:none}}
.hills{position:absolute;left:0;right:0;bottom:0;width:100%;height:140px;display:block}

/* path cards */
.paths{margin-top:-58px;position:relative;z-index:2}
.paths .grid{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.path{background:var(--gray);border-radius:4px;box-shadow:0 2px 6px rgba(0,0,0,.12);padding:22px 22px 18px;min-height:112px;display:flex;flex-direction:column;justify-content:space-between;color:var(--ink);text-decoration:none!important;transition:box-shadow .15s,transform .15s}
.path:hover{box-shadow:0 6px 16px rgba(0,0,0,.16);transform:translateY(-2px)}
.path b{font-size:19px;line-height:1.25}
.path i{align-self:flex-end;color:var(--link);font-style:normal}
.path i::after{content:"";display:inline-block;width:10px;height:10px;border-right:3px solid currentColor;border-top:3px solid currentColor;transform:rotate(45deg)}
@media(max-width:900px){.paths .grid{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.paths .grid{grid-template-columns:1fr}.path{min-height:0}}

section{padding:84px 0}
section.gray{background:var(--gray)}
@media(max-width:760px){section{padding:60px 0}}

/* value cards */
.vals{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.val{border:1px solid #c3c9ce;border-radius:4px;padding:34px 26px;text-align:center;background:#fff}
.val svg{width:62px;height:62px;display:block;margin:0 auto 18px}
.val h3{font-size:21px;font-weight:700;margin-bottom:10px}
.val p{margin:0 0 14px;color:var(--muted);font-size:16px}
@media(max-width:860px){.vals{grid-template-columns:1fr}}

/* mandate */
.mand{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:start;margin-top:40px}
.mand ul{padding-left:20px;margin:16px 0 0}.mand li{margin:8px 0}
.alert{border-left:5px solid var(--sky);background:#fff;padding:20px 22px;border-radius:0 4px 4px 0;box-shadow:0 1px 3px rgba(0,0,0,.08)}
.alert b{color:var(--ink)}
table.cmp{width:100%;border-collapse:collapse;background:#fff;font-size:15.5px;box-shadow:0 1px 3px rgba(0,0,0,.1)}
.cmp th,.cmp td{padding:14px 16px;text-align:left;border-bottom:1px solid var(--line);vertical-align:top}
.cmp thead th{background:var(--slate);color:#fff;font-weight:600}
.cmp thead th:last-child{background:var(--link)}
.cmp tbody th{color:var(--ink);font-weight:600;width:36%}
.cmp td:last-child{color:var(--ink);font-weight:600}
@media(max-width:860px){.mand{grid-template-columns:1fr}}

/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;list-style:none;padding:0;margin:44px 0 0;counter-reset:s}
.steps li{counter-increment:s;background:#fff;border-top:4px solid var(--sky);padding:22px;box-shadow:0 1px 3px rgba(0,0,0,.08)}
.steps li::before{content:counter(s);display:grid;place-items:center;width:34px;height:34px;border-radius:50%;background:var(--slate);color:#fff;font-weight:700;margin-bottom:12px}
.steps h3{font-size:19px;margin-bottom:6px}
.steps p{margin:0;color:var(--muted);font-size:15.5px}
@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}
@media(max-width:480px){.steps{grid-template-columns:1fr}}
.pills{display:flex;flex-wrap:wrap;gap:10px;justify-content:center;margin-top:34px}
.pills span{border:1px solid #c3c9ce;border-radius:999px;padding:7px 16px;font-size:14.5px;background:#fff;color:var(--ink)}

/* example */
.ex{display:grid;grid-template-columns:1fr 1fr;gap:36px;align-items:start;margin-top:40px}
.ledger{border:1px solid #c3c9ce;border-radius:4px;background:#fff}
.ledger div{display:flex;justify-content:space-between;gap:12px;padding:13px 20px;border-bottom:1px solid var(--line);font-size:15.5px}
.ledger div:last-child{border-bottom:0}
.ledger b{color:var(--ink);white-space:nowrap}
.ledger .tot{background:var(--slate);color:#fff}.ledger .tot b{color:#fff;font-size:20px}
.fine{font-size:13px;color:var(--muted);margin-top:12px;line-height:1.55}
@media(max-width:860px){.ex{grid-template-columns:1fr}}

/* about */
.about{display:grid;grid-template-columns:300px 1fr;gap:48px;align-items:start;margin-top:40px}
.photo{aspect-ratio:4/5;background:linear-gradient(160deg,var(--slate),#4d5b64);display:grid;place-items:center;color:#fff;font-size:64px;font-weight:300;position:relative;border-radius:4px}
.photo::after{content:"";position:absolute;left:24px;right:24px;bottom:24px;height:5px;background:var(--sky)}
.facts{display:flex;gap:34px;flex-wrap:wrap;margin:6px 0 22px}
.facts div b{display:block;font-size:30px;font-weight:300;color:var(--ink)}
.facts div small{color:var(--muted);font-size:14px}
@media(max-width:860px){.about{grid-template-columns:1fr}.photo{max-width:240px}}

/* faq */
.faq{max-width:860px;margin:40px auto 0}
details{border-bottom:1px solid var(--line)}
summary{cursor:pointer;list-style:none;padding:20px 4px;font-size:18.5px;font-weight:600;color:var(--ink);display:flex;justify-content:space-between;gap:18px}
summary::-webkit-details-marker{display:none}
summary::after{content:"";flex:none;width:9px;height:9px;border-right:2px solid var(--link);border-bottom:2px solid var(--link);transform:rotate(45deg);margin-top:6px;transition:transform .2s}
details[open] summary::after{transform:rotate(-135deg);margin-top:10px}
details p{margin:0 4px 20px;color:var(--muted)}

/* contact */
.cta-band{background:var(--slate);color:#dfe5e9}
.cform-wrap{display:grid;grid-template-columns:1fr 1.15fr;gap:56px;align-items:start}
.cta-band h2{color:#fff;font-weight:300;font-size:clamp(30px,3.6vw,44px);margin-bottom:18px}
.cta-band p{color:#c9d1d6;margin:0 0 16px}
.cta-band ul{margin:6px 0 20px;padding-left:20px;color:#dfe5e9}.cta-band li{margin:7px 0}
.cta-band .mail{color:#8fd3f5}
form.cf{display:grid;grid-template-columns:1fr 1fr;gap:16px 16px}
.cf label{display:block;font-size:14.5px;color:#fff;margin-bottom:6px;font-weight:600}
.cf .full{grid-column:1/-1}
.cf input,.cf select,.cf textarea{width:100%;font:16px var(--sans);color:var(--ink);background:#eef0f2;border:2px solid transparent;border-radius:3px;padding:12px 13px}
.cf textarea{min-height:110px;resize:vertical}
.cf input:focus,.cf select:focus,.cf textarea:focus{outline:none;border-color:var(--sky);background:#fff}
.cf .hp{position:absolute;left:-5000px;width:1px;height:1px;overflow:hidden}
.cf button{justify-self:start;background:transparent;color:#fff;border:2px solid var(--cta);padding:13px 34px;font:700 16px var(--sans);border-radius:3px;cursor:pointer;transition:background .15s}
.cf button:hover{background:var(--cta)}
.cf button[disabled]{opacity:.6;cursor:wait}
.cf .small{font-size:12.5px;color:#aeb9c0;line-height:1.5}
.cf-msg{grid-column:1/-1;padding:14px 16px;border-radius:3px;display:none}
.cf-msg.ok{display:block;background:#e6f5ec;color:#16502f}
.cf-msg.err{display:block;background:#fbe9e7;color:#8a2a17}
.req{color:#8fd3f5}
@media(max-width:860px){.cform-wrap{grid-template-columns:1fr;gap:34px}}
@media(max-width:520px){form.cf{grid-template-columns:1fr}}

/* footer */
footer{background:#fff;padding:40px 0 56px;font-size:14px;color:var(--muted);border-top:1px solid var(--line)}
.foot{display:flex;justify-content:space-between;flex-wrap:wrap;gap:20px;padding-bottom:20px;border-bottom:1px solid var(--line);margin-bottom:20px}
.foot b{color:var(--ink);font-size:16px}
.disc{font-size:12.5px;line-height:1.65;max-width:980px}

/* insights */
.ins-grid{display:grid;grid-template-columns:1fr 1fr;column-gap:44px;margin-top:40px}
.ins{display:grid;grid-template-columns:230px 1fr;gap:22px;align-items:start;padding:26px 0;border-bottom:1px solid var(--line);color:var(--ink);text-decoration:none!important}
.ins-img svg{width:100%;height:auto;display:block;border-radius:3px;transition:transform .2s}
.ins:hover .ins-img svg{transform:scale(1.02)}
.ins-cat{display:block;font-size:13px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:var(--link);margin-bottom:6px}
.ins-t{display:block;font-size:20px;font-weight:700;line-height:1.3;margin-bottom:10px}
.ins:hover .ins-t{color:var(--link)}
.ins-d{display:flex;align-items:center;gap:8px;font-size:14.5px;color:var(--muted)}
@media(max-width:980px){.ins-grid{grid-template-columns:1fr}}
@media(max-width:520px){.ins{grid-template-columns:120px 1fr;gap:14px}.ins-t{font-size:17px}}

.art{max-width:760px;margin:0 auto;padding:56px 20px 30px}
.crumb{font-size:14px;margin-bottom:26px}
.art .kick{font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--link)}
.art h1{font-size:clamp(30px,4.4vw,44px);font-weight:700;letter-spacing:-.4px;margin:10px 0 14px}
.meta{display:flex;align-items:center;gap:8px;color:var(--muted);font-size:15px;margin-bottom:30px}
.art .hero-thumb{border-radius:4px;margin-bottom:34px}.art .hero-thumb svg{width:100%;height:230px;display:block}
.art .lead{font-size:20px;color:var(--ink);line-height:1.55}
.art h2{font-size:24px;margin:38px 0 10px;font-weight:700}
.art p,.art li{color:var(--text)}
.art li{margin:7px 0}
table.t{width:100%;border-collapse:collapse;margin:18px 0;font-size:15.5px}
.t th,.t td{border-bottom:1px solid var(--line);padding:11px 12px;text-align:left;vertical-align:top}
.t thead th{background:var(--slate);color:#fff}
.t tbody th{color:var(--ink);width:34%}
.art .note{font-size:13px;color:var(--muted)}
.endcta{background:var(--gray);border-top:4px solid var(--sky);padding:28px;margin:44px 0 10px}
.endcta h2{margin-top:0}
@media(max-width:600px){.t{font-size:14px}.t th,.t td{padding:9px 7px}}

.com-list .ins{grid-template-columns:1fr}
ul.chk{list-style:none;padding-left:0}
ul.chk li{position:relative;padding-left:34px;margin:10px 0}
ul.chk li::before{content:"";position:absolute;left:0;top:3px;width:18px;height:18px;border:2px solid var(--link);border-radius:3px}
.lm{background:#fff;border-top:1px solid var(--line)}
.lm-box{display:grid;grid-template-columns:1fr 1.1fr;gap:44px;align-items:center}
.lm h2{font-weight:300;font-size:clamp(26px,3vw,36px);margin:10px 0 12px}
.lm .kick{font-size:13px;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--link)}
.lm form{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.lm input{width:100%;font:16px var(--sans);padding:12px 13px;border:1px solid #c3c9ce;border-radius:3px;background:#fff}
.lm input:focus{outline:none;border-color:var(--sky)}
.lm .full{grid-column:1/-1}
.lm button{grid-column:1/-1;justify-self:start;background:var(--cta);color:#fff;border:0;border-radius:999px;padding:13px 26px;font:700 16px var(--sans);cursor:pointer}
.lm button:hover{background:var(--cta-h)}
.lm .hp{position:absolute;left:-5000px}
.lm-msg{grid-column:1/-1;display:none;padding:12px 14px;border-radius:3px}
.lm-msg.ok{display:block;background:#e6f5ec;color:#16502f}.lm-msg.err{display:block;background:#fbe9e7;color:#8a2a17}
.com-feature{display:grid;grid-template-columns:1.2fr 1fr;gap:40px;align-items:start;margin-top:36px}
.com-card{border:1px solid #c3c9ce;border-top:4px solid var(--sky);padding:26px;background:#fff}
.com-card .ins-cat{margin-bottom:8px}
.com-card h3{font-size:24px;margin-bottom:10px}
.com-stats{margin:0;padding:0;list-style:none}
.com-stats li{display:flex;justify-content:space-between;border-bottom:1px solid var(--line);padding:11px 0;font-size:15.5px}
.com-stats b{color:var(--ink)}
@media(max-width:860px){.lm-box,.com-feature{grid-template-columns:1fr}}
@media(max-width:520px){.lm form{grid-template-columns:1fr}}