@font-face{font-family:'Sora';src:url('/assets/fonts/sora-600.woff2') format('woff2');font-weight:600;font-display:swap}
@font-face{font-family:'Sora';src:url('/assets/fonts/sora-700.woff2') format('woff2');font-weight:700;font-display:swap}
@font-face{font-family:'Sora';src:url('/assets/fonts/sora-800.woff2') format('woff2');font-weight:800;font-display:swap}
:root{
 --blue:#1554A0;--blue-d:#0F3F7A;--navy:#0E2F5C;--ink:#162B45;--body:#24364E;--muted:#55657A;
 --cream:#F7F6E3;--cream-d:#E9E5BF;--violet:#43328F;--violet-l:#ECE9F7;--gb:#212724;
 --cloud:#F3F6FA;--line:#DCE4EE;--maxw:1200px;
 --display:'Sora',Arial,Helvetica,sans-serif;--text:Arial,Helvetica,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:var(--text);color:var(--body);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased;font-size:17px}
h1,h2,h3,h4,.display{font-family:var(--display);color:var(--ink);line-height:1.15;letter-spacing:-.02em}
h1,h2{font-weight:800}h3,h4{font-weight:700;letter-spacing:-.01em}
a{color:inherit;text-decoration:none}
p a,.prose a,li a,td a{color:var(--blue);text-decoration:underline;text-underline-offset:3px}
img{max-width:100%}
:focus-visible{outline:3px solid #F2C94C;outline-offset:3px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:var(--ink);color:#fff;padding:10px 16px;border-radius:8px;z-index:99}.skip:focus{left:12px}
.wrap{max-width:var(--maxw);margin:0 auto;padding:0 28px;position:relative;z-index:1}
section{padding:96px 0;position:relative;overflow:hidden}
.eyebrow{font-family:var(--display);font-size:.78rem;font-weight:700;letter-spacing:.14em;text-transform:uppercase;color:var(--violet);margin-bottom:16px}
.sec-head{max-width:760px;margin-bottom:48px}.sec-head.center{margin-left:auto;margin-right:auto;text-align:center}
h2.title{font-size:clamp(2rem,4vw,2.9rem);margin-bottom:18px}
.sec-head p{font-size:1.08rem;color:var(--muted)}
/* colour blocks */
.band-blue{background:var(--blue)}.band-navy{background:var(--navy)}.cream{background:var(--cream)}.grey{background:var(--cloud)}
.dark{background:var(--navy);color:#D6E2F2}
.on-dark,.band-blue,.band-navy,.dark{color:#D9E5F4}
.on-dark h1,.on-dark h2,.on-dark h3,.on-dark h4,.band-blue h2,.band-blue h3,.band-blue h4,.band-navy h2,.band-navy h3,.band-navy h4,.dark h2,.dark h3,.dark h4{color:#fff}
.band-blue .eyebrow,.band-navy .eyebrow,.dark .eyebrow,.on-dark .eyebrow{color:var(--cream)}
.band-blue .sec-head p,.band-navy .sec-head p,.dark .sec-head p{color:#C9D8EC}
.band-blue p a,.band-navy p a,.dark p a{color:var(--cream)}
/* decorative circles (RiskCherry-style geometry) */
.circles::before,.circles::after{content:"";position:absolute;border-radius:50%;pointer-events:none;z-index:0}
.circles::before{width:620px;height:620px;right:-180px;top:-160px;background:rgba(255,255,255,.07)}
.circles::after{width:340px;height:340px;left:-140px;bottom:-170px;background:rgba(14,47,92,.55)}
.band-navy.circles::after{background:rgba(21,84,160,.45)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--blue);color:#fff;font-family:var(--display);font-weight:700;font-size:.95rem;padding:15px 30px;min-height:50px;border-radius:8px;border:0;cursor:pointer;transition:transform .12s ease,background .15s,box-shadow .15s;text-decoration:none!important}
.btn:hover{background:var(--blue-d)}.btn:active{transform:scale(.98)}
.btn-cream,.btn-light{background:var(--cream);color:var(--ink)}.btn-cream:hover,.btn-light:hover{background:#fff;color:var(--ink)}
.btn-white{background:#fff;color:var(--blue)}.btn-white:hover{background:var(--cream);color:var(--ink)}
.btn-out{background:transparent;color:var(--ink);border:2px solid var(--ink)}.btn-out:hover{background:var(--ink);color:#fff}
.btn-violet{background:var(--violet);color:#fff}.btn-violet:hover{background:#352775}
/* header */
header.nav{position:sticky;top:0;z-index:60;background:var(--blue);box-shadow:0 1px 0 rgba(255,255,255,.08)}
.nav-in{display:flex;align-items:center;justify-content:space-between;height:88px;gap:20px}
.logo{display:inline-flex;align-items:center;background:#fff;border-radius:40px;padding:7px 20px}
.logo img{display:block;width:180px;height:auto}
section[id],div[id]{scroll-margin-top:104px}
.nav-links{display:flex;gap:28px;align-items:center}
.nav-links a{font-family:var(--display);font-size:.92rem;font-weight:600;color:#fff;padding:8px 0}
.nav-links a:hover{color:var(--cream)}
.nav-links a[aria-current=page]{box-shadow:inset 0 -3px 0 var(--cream)}
.nav-cta{background:var(--cream);color:var(--ink)}.nav-cta:hover{background:#fff;color:var(--ink)}
.menu-btn{display:none;background:rgba(255,255,255,.12);border:0;border-radius:10px;width:48px;height:48px;align-items:center;justify-content:center;color:#fff;cursor:pointer}
.mobile-nav{display:none;background:var(--blue-d)}
.mobile-nav a{display:block;padding:16px 28px;border-bottom:1px solid rgba(255,255,255,.1);font-family:var(--display);font-weight:600;color:#fff}
.mobile-nav.open{display:block}
/* mega menu */
.has-mega{position:static}.mega-trigger{display:inline-flex;align-items:center;gap:6px}
.mega{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:4px solid var(--cream-d);box-shadow:0 30px 60px -30px rgba(14,47,92,.45)}
.has-mega:hover .mega,.has-mega:focus-within .mega{display:block}
.mega-in{display:grid;grid-template-columns:repeat(4,1fr);gap:28px;padding:30px 28px 22px}
.mega-col{display:flex;flex-direction:column;gap:2px}
.mega-col a{font-family:var(--text);font-size:.9rem;font-weight:400;color:var(--body);padding:6px 0;box-shadow:none!important}
.mega-col a:hover{color:var(--blue)}
.mega-col a.mega-h{font-family:var(--display);font-weight:800;color:var(--blue);font-size:.8rem;letter-spacing:.08em;text-transform:uppercase;margin-bottom:6px;padding-bottom:10px;border-bottom:2px solid var(--blue)}
.mega-foot{grid-column:1/-1;display:flex;justify-content:space-between;align-items:center;border-top:1px solid var(--line);padding-top:16px}
.mega-foot a:first-child{font-family:var(--display);font-weight:700;color:var(--blue)}
.mega-foot .btn{color:#fff;padding:10px 20px;min-height:42px}
/* hero */
.hero{background:var(--blue);padding:84px 0 104px}
.hero-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:56px;align-items:center}
.hero h1{font-size:clamp(2.6rem,5.4vw,4.3rem);color:#fff;line-height:1.22;margin-bottom:24px}
.hl{background:var(--cream);color:var(--ink);padding:0 12px;border-radius:6px;-webkit-box-decoration-break:clone;box-decoration-break:clone}
.hero .lead{font-size:1.15rem;max-width:560px;margin-bottom:34px;color:#DCE7F5}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap;margin-bottom:34px}
.chips{display:flex;gap:9px;flex-wrap:wrap;align-items:center;font-size:.84rem;color:#C9D8EC}
.chip{font-family:var(--display);font-weight:700;color:#fff;border:1.5px solid rgba(255,255,255,.4);border-radius:999px;padding:5px 13px;font-size:.76rem}
.hero-media{position:relative}
.hero-media img{width:100%;border-radius:20px;display:block;height:min(520px,62vh);object-fit:cover;background:var(--blue-d);border:6px solid rgba(255,255,255,.14)}
.float-chip{position:absolute;left:-22px;bottom:30px;background:var(--cream);border-radius:14px;padding:16px 20px;box-shadow:0 20px 40px -20px rgba(0,0,0,.45)}
.float-chip b{font-family:var(--display);color:var(--ink);font-size:1rem;display:block}.float-chip span{font-size:.8rem;color:var(--muted)}
.float-chip2{position:absolute;right:-16px;top:30px;background:var(--violet);border-radius:14px;padding:14px 18px;display:flex;gap:10px;align-items:center;color:#fff;box-shadow:0 20px 40px -20px rgba(0,0,0,.45)}
.float-chip2 b{font-family:var(--display);color:#fff;font-size:.92rem}.float-chip2 .c{color:var(--cream)}
/* page hero (inner pages) */
.page-hero{background:var(--blue);padding:76px 0 70px;overflow:hidden;position:relative}
.page-hero::before{content:"";position:absolute;width:520px;height:520px;border-radius:50%;right:-160px;top:-200px;background:rgba(255,255,255,.07)}
.page-hero::after{content:"";position:absolute;width:260px;height:260px;border-radius:50%;right:240px;bottom:-190px;background:rgba(14,47,92,.55)}
.page-hero .wrap{position:relative;z-index:1}
.page-hero h1{font-size:clamp(2.2rem,4.6vw,3.5rem);max-width:860px;margin-bottom:18px;color:#fff}
.page-hero p{font-size:1.15rem;max-width:700px;color:#DCE7F5}
.page-hero .eyebrow{color:var(--cream)}
.crumb{font-size:.84rem;color:#C9D8EC;margin-bottom:18px}.crumb a{color:var(--cream);text-decoration:none}
/* mission / about band */
.two{display:grid;grid-template-columns:1.1fr .9fr;gap:58px;align-items:center}
.two.rev>.media{order:-1}
.two p{font-size:1.05rem;margin-bottom:16px}
.mission{background:var(--cream);color:var(--ink);border-radius:16px;padding:40px}
.mission .eyebrow{color:var(--violet)}
.mission p.big{font-family:var(--display);font-weight:800;font-size:clamp(1.4rem,2.4vw,1.85rem);line-height:1.3;color:var(--ink);margin:0}
.media img{width:100%;border-radius:16px;display:block;aspect-ratio:4/3;object-fit:cover;background:var(--cloud)}
.pull{font-family:var(--display);font-weight:700;font-size:1.25rem;color:var(--ink);border-left:4px solid var(--violet);padding-left:20px;margin:24px 0;line-height:1.45}
/* cards */
.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.cards.three{grid-template-columns:repeat(3,1fr)}.cards.two-c{grid-template-columns:repeat(2,1fr)}
.card{background:#fff;border:2px solid var(--blue);border-radius:16px;padding:30px;display:block;transition:background .15s,transform .15s}
a.card:hover{background:var(--cloud);transform:translateY(-3px)}
.card h3{font-size:1.25rem;margin-bottom:10px;color:var(--blue)}
.card p{font-size:.95rem;color:var(--body)}
.card ul{list-style:none;margin-top:14px;display:flex;flex-direction:column;gap:6px}
.card ul li{font-size:.9rem;color:var(--ink);padding-left:16px;position:relative}
.card ul li::before{content:"";position:absolute;left:0;top:.6em;width:7px;height:7px;border-radius:50%;background:var(--violet)}
.card .more{display:inline-flex;gap:6px;align-items:center;margin-top:16px;font-family:var(--display);font-size:.9rem;font-weight:700;color:var(--blue)}
.ibox{display:inline-flex;width:52px;height:52px;border-radius:12px;background:var(--cream);color:var(--blue);align-items:center;justify-content:center;margin-bottom:18px}
.band-blue .card,.band-navy .card,.dark .card{border-color:#fff}
.inline-cta{display:flex;align-items:center;gap:20px;flex-wrap:wrap;margin-top:40px}
.inline-cta b{font-family:var(--display);font-weight:800;font-size:1.25rem;color:var(--blue)}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.stat{background:#fff;border-radius:16px;padding:28px;border:2px solid var(--cream-d)}
.stat b{font-family:var(--display);font-weight:800;font-size:clamp(1.9rem,3.4vw,2.6rem);color:var(--violet);display:block;letter-spacing:-.02em}
.stat h4{margin-top:8px;font-size:1rem}.stat p{font-size:.88rem;color:var(--muted);margin-top:4px}
/* steps */
.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:26px}
.snum{font-family:var(--display);font-weight:800;font-size:1.25rem;color:var(--ink);background:var(--cream);width:52px;height:52px;border-radius:50%;display:inline-flex;align-items:center;justify-content:center;margin-bottom:18px}
.step h3{font-size:1.2rem;margin:0 0 10px}.step p{font-size:.95rem}
section:not(.band-blue):not(.band-navy):not(.dark) .snum{background:var(--violet);color:#fff}
/* standards */
.std{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.std-card{background:#fff;border:2px solid var(--blue);border-radius:16px;padding:28px;display:flex;flex-direction:column;gap:8px}
.std-card .num{font-family:var(--display);font-weight:800;color:var(--blue);font-size:1.5rem;white-space:nowrap}
.std-card h4{font-size:1.05rem}.std-card p{font-size:.93rem;color:var(--muted)}
.note{margin-top:26px;font-size:.96rem;background:var(--cream);border-radius:14px;padding:20px 24px;color:var(--ink)}
.note b{color:var(--ink)}
.status{display:inline-flex;align-items:center;gap:8px;font-family:var(--display);font-size:.78rem;font-weight:700;color:var(--violet);background:var(--violet-l);padding:7px 14px;border-radius:999px}
.status i{width:8px;height:8px;border-radius:50%;background:var(--violet);display:inline-block}
.commit-row{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.commit{padding:24px;border-radius:16px;background:var(--cloud)}
.commit h4{font-size:1.05rem;margin:12px 0 6px}.commit p{font-size:.9rem;color:var(--muted)}.commit .c{color:var(--violet)}
/* markets */
.mkt-grid{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin-top:22px}
.mkt{background:#fff;border-radius:14px;padding:20px;display:flex;gap:12px;color:var(--body)}
.mkt .c{color:var(--violet);flex-shrink:0;margin-top:2px}.mkt h4{font-size:1.02rem;margin-bottom:4px;color:var(--ink)!important}.mkt p{font-size:.88rem;color:var(--muted)}
.mkt-pills{display:flex;flex-wrap:wrap;gap:10px;margin:22px 0}
.mkt-pill{background:#fff;color:var(--ink);font-family:var(--display);font-weight:700;font-size:.9rem;border-radius:999px;padding:9px 16px;display:inline-flex;gap:8px;align-items:center}
.mkt-pill small{font-family:var(--text);font-weight:400;font-size:.78rem;color:var(--muted)}
/* portal features */
.feat{background:#fff;border:2px solid var(--line);border-radius:16px;padding:26px}
.feat h3{font-size:1.08rem;margin:12px 0 8px;color:var(--ink)}.feat p{font-size:.92rem}
.feat .c{color:var(--violet)}
.portal-list{list-style:none;display:flex;flex-direction:column;gap:14px;margin-top:22px}
.portal-list li{display:flex;gap:12px;align-items:flex-start;color:#DCE6F2}.portal-list .c{color:var(--cream);flex-shrink:0;margin-top:2px}
/* service hub & detail */
.grp{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start;padding:48px 0;border-top:2px solid var(--line)}
.grp:first-child{border-top:0;padding-top:0}
.grp h3{font-size:1.7rem;margin-bottom:12px;color:var(--blue)}
.grp-count{font-family:var(--display);font-size:.85rem;color:var(--violet);margin-top:12px;font-weight:700}
.svc-links{list-style:none;display:flex;flex-direction:column;gap:10px}
.svc-link{display:grid;grid-template-columns:1fr 24px;gap:4px 16px;padding:18px 20px;border:2px solid var(--line);border-radius:14px;text-decoration:none!important;transition:border-color .15s,background .15s}
.svc-link:hover{border-color:var(--blue);background:var(--cloud)}
.svc-t{font-family:var(--display);font-weight:700;color:var(--ink);font-size:1rem}
.svc-d{grid-column:1;font-size:.9rem;color:var(--muted)}
.svc-go{grid-column:2;grid-row:1/3;align-self:center;color:var(--blue)}
.svc-detail{display:grid;grid-template-columns:minmax(0,1fr) 350px;gap:56px;align-items:start}
.svc-main p{font-size:1.04rem;margin-bottom:16px}
.h2s{font-family:var(--display);font-weight:800;font-size:1.5rem;margin:40px 0 16px;color:var(--ink)}.svc-main .h2s:first-child{margin-top:0}
.blist{list-style:none;display:flex;flex-direction:column;gap:11px;margin-bottom:8px}
.blist li{display:flex;gap:10px;align-items:flex-start;font-size:.98rem}
.blist li svg{color:var(--violet);flex-shrink:0;margin-top:4px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:36px;margin-top:40px}
.svc-aside{position:sticky;top:120px}
.aside-card{background:var(--cream);border-radius:16px;padding:30px}
.aside-card h3{font-size:1.2rem;margin-bottom:14px}
.aside-k{font-family:var(--display);font-size:.72rem;font-weight:700;letter-spacing:.1em;text-transform:uppercase;color:var(--violet);margin:16px 0 4px}
.aside-card p{font-size:.95rem;color:var(--ink)}
.std-ul{padding-left:18px;font-size:.92rem;margin-bottom:14px;color:var(--ink)}.std-ul li{margin-bottom:5px}
.aside-mail{display:block;text-align:center;font-size:.86rem;margin-top:12px;color:var(--blue)}
.aside-note{font-size:.8rem;color:var(--muted);margin-top:14px;padding:0 6px}
.tick-list{list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px 22px}
.tick-list li{display:flex;gap:10px;align-items:flex-start;font-size:.95rem;color:var(--ink)}
.tick-list li svg{color:var(--violet);flex-shrink:0;margin-top:3px}
/* faq */
.faq{max-width:900px;margin:0 auto}
.faq-group{margin-bottom:44px}.faq-group h3{font-size:1.25rem;margin-bottom:8px;color:var(--violet)}
details{border:2px solid var(--line);border-radius:14px;margin-bottom:10px;padding:0 22px;background:#fff}
details[open]{border-color:var(--blue)}
summary{list-style:none;cursor:pointer;padding:20px 0;font-family:var(--display);font-weight:700;color:var(--ink);font-size:1.04rem;display:flex;justify-content:space-between;gap:20px;align-items:center}
summary::-webkit-details-marker{display:none}
summary .fq{color:var(--blue);transition:transform .2s;flex-shrink:0}
details[open] summary .fq{transform:rotate(45deg)}
details p{padding:0 0 20px;color:var(--body);max-width:780px}
/* final cta band */
.cta-final{background:var(--blue);text-align:center;padding:110px 0}
.cta-final h2{color:#fff;font-size:clamp(2rem,4.4vw,3.2rem);max-width:820px;margin:0 auto 18px}
.cta-final p{color:#DCE7F5;font-size:1.1rem;max-width:620px;margin:0 auto 32px}
.cta-final .hero-cta{justify-content:center;margin-bottom:0}
/* contact */
.contact-grid{display:grid;grid-template-columns:1fr 1.1fr;gap:56px;align-items:start}
.cl{display:flex;gap:12px;align-items:flex-start;margin-bottom:18px}.cl .c{color:var(--violet);margin-top:2px}
.cl b{display:block;color:var(--ink);font-family:var(--display)}
form.quote{background:#fff;border:2px solid var(--blue);border-radius:18px;padding:34px}
form.quote h3{font-size:1.3rem;margin-bottom:18px;color:var(--blue)}
.frow{display:grid;grid-template-columns:1fr 1fr;gap:14px}
label{display:block;font-size:.84rem;font-weight:700;margin-bottom:6px;color:var(--ink)}
input,select,textarea{width:100%;border:1.5px solid #CBD6E3;border-radius:10px;padding:12px 14px;font-family:inherit;font-size:.96rem;margin-bottom:16px;background:var(--cloud);color:var(--ink);min-height:48px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--blue);border-color:var(--blue);background:#fff}
textarea{min-height:110px;resize:vertical}
.check{display:flex;gap:10px;align-items:flex-start;font-size:.86rem;color:var(--body);margin-bottom:18px;font-weight:400}
.check input{width:18px;min-height:18px;height:18px;margin:3px 0 0;flex-shrink:0}
form.quote .btn{width:100%}
.form-note{font-size:.8rem;color:var(--muted);margin-top:12px;text-align:center}
.form-ok{display:none;background:#EAF6EF;border:1px solid #BFE3CC;color:#1F5E3A;border-radius:10px;padding:14px;font-size:.9rem;margin-top:14px}
/* prose / legal */
.prose{max-width:780px}
.prose h2{font-family:var(--display);font-weight:800;font-size:1.45rem;margin:44px 0 14px}
.prose h3{font-size:1.12rem;margin:28px 0 10px}
.prose p,.prose li{font-size:1rem;color:var(--body);margin-bottom:14px}
.prose ul,.prose ol{padding-left:22px;margin-bottom:14px}.prose li{margin-bottom:8px}
.prose table{width:100%;border-collapse:collapse;margin:10px 0 22px;font-size:.93rem}
.prose th,.prose td{border:1px solid var(--line);padding:11px 13px;text-align:left;vertical-align:top}
.prose th{background:var(--cream);color:var(--ink);font-family:var(--display)}
.legal-layout{display:grid;grid-template-columns:250px 1fr;gap:60px;align-items:start}
.legal-nav{position:sticky;top:120px;display:flex;flex-direction:column;gap:4px}
.legal-nav a{padding:10px 14px;border-radius:10px;font-size:.92rem;color:var(--ink)}
.legal-nav a:hover{background:var(--cloud)}.legal-nav a[aria-current=page]{background:var(--blue);color:#fff;font-weight:700}
.meta{font-size:.86rem;color:var(--muted);margin-bottom:26px}
/* footer */
footer{background:var(--gb);color:#B8BFBA;padding:70px 0 32px}
.foot-grid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:30px;padding-bottom:36px;border-bottom:1px solid rgba(255,255,255,.12)}
footer .logo{margin-bottom:20px}
.foot-about{font-size:.92rem;max-width:330px}
.foot-col h5{font-family:var(--display);color:var(--cream);font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:14px}
.foot-col a{display:block;font-size:.92rem;margin-bottom:9px;color:#C9CFCB}.foot-col a:hover{color:#fff}
.foot-legal{padding-top:22px;font-size:.82rem;color:#9AA29D;line-height:1.6}
.foot-bottom{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px;padding-top:14px;font-size:.84rem}
.foot-bottom a{color:var(--cream)}
/* layout safety + reveal */
.hero-grid>*,.two>*,.grp>*,.contact-grid>*,.legal-layout>*,.std>*,.cards>*,.svc-detail>*{min-width:0}
h1,h2,h3{overflow-wrap:break-word}
.rv{opacity:0;transform:translateY(16px);transition:opacity .6s ease,transform .6s ease}
.rv.in{opacity:1;transform:none}.no-js .rv{opacity:1;transform:none}
@media(prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}html{scroll-behavior:auto}.btn:active{transform:none}}
@media(max-width:1060px){.nav-links{gap:20px}.logo img{width:170px}}
@media(max-width:960px){
 .nav-links,.nav .nav-cta{display:none}.menu-btn{display:inline-flex}.mega{display:none!important}
 .nav-in{height:80px}.logo img{width:165px}
 .hero-grid,.two,.grp,.std,.contact-grid,.mkt-grid,.legal-layout,.svc-detail,.split{grid-template-columns:minmax(0,1fr)}
 .two.rev>.media{order:0}.svc-aside{position:static}
 .stats,.steps,.cards,.cards.three,.commit-row{grid-template-columns:repeat(2,1fr)}
 .float-chip{left:12px}.float-chip2{right:12px}
 .legal-nav{position:static;flex-direction:row;flex-wrap:wrap}
 .foot-grid{grid-template-columns:1fr 1fr}
 .circles::before{width:420px;height:420px}
}
@media(max-width:560px){
 .stats,.steps,.cards,.cards.three,.cards.two-c,.commit-row,.tick-list,.frow,.foot-grid{grid-template-columns:1fr}
 section{padding:64px 0}.hero{padding:56px 0 70px}.wrap{padding:0 20px}.logo{padding:8px 16px}.logo img{width:160px}
 .mission{padding:28px}.card{padding:24px}
}
@media print{header.nav,footer,.menu-btn,.mobile-nav{display:none}.rv{opacity:1;transform:none}}
/* designed visuals (replace stock photography) */
.mock{background:#fff;border-radius:20px;padding:26px;box-shadow:0 40px 80px -40px rgba(0,0,0,.55);color:var(--ink);position:relative;border:6px solid rgba(255,255,255,.16);background-clip:padding-box}
.mock-top{display:flex;align-items:center;justify-content:space-between;gap:10px;margin-bottom:16px;font-family:var(--display);font-weight:700;font-size:.82rem;color:var(--muted);text-transform:uppercase;letter-spacing:.08em}
.mock-tag{background:var(--violet-l);color:var(--violet);border-radius:999px;padding:4px 10px;font-size:.7rem}
.mock-title{font-family:var(--display);font-weight:800;font-size:1.25rem;margin-bottom:4px;color:var(--ink)}
.mock-sub{font-size:.85rem;color:var(--muted);margin-bottom:16px}
.mock-row{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:11px 0;border-top:1px solid var(--line);font-size:.9rem}
.mock-row span{color:var(--body)}.mock-row b{font-family:var(--display);color:var(--ink);display:inline-flex;align-items:center;gap:6px;font-size:.9rem}
.mock-row b svg{color:#1E8A4C}
.mock-steps{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:16px}
.mock-steps i{display:block;height:8px;border-radius:99px;background:var(--line)}
.mock-steps i.on{background:var(--blue)}.mock-steps i.now{background:var(--violet)}
.mock-steps-l{display:grid;grid-template-columns:repeat(4,1fr);gap:6px;margin-top:6px;font-size:.7rem;color:var(--muted);font-family:var(--display);font-weight:700}
.mock-foot{margin-top:16px;padding-top:14px;border-top:1px solid var(--line);display:flex;gap:8px;flex-wrap:wrap}
.mock-foot span{background:var(--cream);border-radius:999px;padding:5px 11px;font-size:.76rem;font-family:var(--display);font-weight:700;color:var(--ink)}
.mock-note{font-size:.78rem;color:#C9D8EC;margin-top:12px;text-align:right}
.order{display:grid;grid-template-columns:1fr auto;gap:4px 14px;padding:14px 0;border-top:1px solid var(--line)}
.order b{font-family:var(--display);font-size:.95rem;color:var(--ink)}.order small{color:var(--muted);font-size:.8rem}
.order .st{grid-row:1/3;grid-column:2;align-self:center;font-family:var(--display);font-weight:700;font-size:.74rem;border-radius:999px;padding:5px 11px}
.st.test{background:var(--violet-l);color:var(--violet)}.st.done{background:#E3F4EA;color:#1E6B40}.st.sched{background:var(--cream);color:#6B5E12}
.bar{grid-column:1;height:6px;border-radius:99px;background:var(--line);overflow:hidden;margin-top:4px}.bar i{display:block;height:100%;background:var(--blue)}
.status-panel{background:#fff;border-radius:20px;padding:26px;color:var(--ink)}
.status-panel h4{font-size:1.05rem;margin-bottom:6px}
.srow{display:flex;justify-content:space-between;align-items:center;gap:12px;padding:13px 0;border-top:1px solid var(--line)}
.srow b{font-family:var(--display);font-size:.98rem;color:var(--ink)}.srow small{display:block;color:var(--muted);font-size:.8rem;font-weight:400;font-family:var(--text)}
.srow .st{font-family:var(--display);font-weight:700;font-size:.74rem;border-radius:999px;padding:5px 11px;white-space:nowrap}

/* ================= PREMIUM LAYER ================= */
::selection{background:var(--cream);color:var(--ink)}
body{font-size:17px;text-rendering:optimizeLegibility}
p{max-width:68ch}
.stat b,.mock-row b,.num{font-variant-numeric:tabular-nums}
/* technical grid texture on dark surfaces (the "metric" in Fairmetric) */
.hero,.page-hero,.cta-final,.band-blue{background-color:var(--blue);background-image:linear-gradient(rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.045) 1px,transparent 1px),linear-gradient(135deg,#1A5DB0 0%,#1554A0 45%,#0F3F7A 100%);background-size:56px 56px,56px 56px,100% 100%}
.band-navy,.dark{background-color:var(--navy);background-image:linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(160deg,#123766 0%,#0E2F5C 60%,#0B2649 100%);background-size:56px 56px,56px 56px,100% 100%}
.circles::before{background:radial-gradient(circle at 30% 30%,rgba(255,255,255,.10),rgba(255,255,255,.03) 70%)}
.circles::after{background:radial-gradient(circle,rgba(11,38,73,.55),rgba(11,38,73,.2) 70%)}
/* header */
header.nav{transition:box-shadow .2s ease,background-color .2s ease}
header.nav.scrolled{box-shadow:0 10px 30px -18px rgba(5,20,45,.55)}
header.nav .nav-in{transition:height .2s ease}
header.nav.scrolled .nav-in{height:74px}
.nav-links a{position:relative}
.tagline{font-family:var(--display);font-weight:700;font-size:.72rem;letter-spacing:.16em;text-transform:uppercase;color:var(--cream)}
/* mega menu: animated */
.mega{display:block!important;visibility:hidden;opacity:0;transform:translateY(-6px);transition:opacity .16s ease,transform .16s ease,visibility 0s linear .16s}
.has-mega:hover .mega,.has-mega:focus-within .mega{visibility:visible;opacity:1;transform:none;transition:opacity .16s ease,transform .16s ease}
.mega-d{font-size:.78rem;color:var(--muted);margin:-2px 0 10px}
.mega-col{padding:4px 0}
.mega-col a:not(.mega-h){border-radius:6px;padding:6px 8px;margin:0 -8px}
.mega-col a:not(.mega-h):hover{background:var(--cloud)}
/* section headings: accent rule */
.sec-head h2.title::after{content:"";display:block;width:56px;height:4px;border-radius:4px;background:var(--violet);margin-top:20px}
.sec-head.center h2.title::after{margin-left:auto;margin-right:auto}
.band-blue .sec-head h2.title::after,.band-navy .sec-head h2.title::after,.dark .sec-head h2.title::after{background:var(--cream)}
/* buttons: arrow nudge */
.btn .arr{display:inline-flex;transition:transform .18s ease}
.btn:hover .arr{transform:translateX(3px)}
.btn{box-shadow:0 1px 0 rgba(255,255,255,.15) inset}
.btn-cream{box-shadow:0 10px 24px -14px rgba(0,0,0,.5)}
/* cards: refined */
.card{border:1.5px solid var(--line);border-radius:18px;transition:transform .2s ease,box-shadow .2s ease,border-color .2s ease}
a.card:hover,.card.lift:hover{transform:translateY(-4px);box-shadow:0 26px 50px -30px rgba(14,47,92,.45);border-color:var(--blue);background:#fff}
.band-blue .card,.band-navy .card,.dark .card{border-color:transparent;box-shadow:0 20px 40px -30px rgba(0,0,0,.6)}
.std-card{border:1.5px solid var(--line);border-radius:18px;transition:border-color .2s}
.std-card:hover{border-color:var(--blue)}
.feat{border-radius:18px;border-width:1.5px;transition:transform .2s,box-shadow .2s}
.feat:hover{transform:translateY(-3px);box-shadow:0 20px 40px -28px rgba(14,47,92,.4)}
.ibox{border-radius:14px}
/* hero trust row */
.trust-row{margin-top:64px;padding-top:26px;border-top:1px solid rgba(255,255,255,.16);display:flex;align-items:center;gap:22px;flex-wrap:wrap}
.trust-row .lbl{font-family:var(--display);font-weight:700;font-size:.72rem;letter-spacing:.14em;text-transform:uppercase;color:#C9D8EC}
.trust-row .items{display:flex;gap:28px;flex-wrap:wrap}
.trust-row .items span{font-family:var(--display);font-weight:800;color:#fff;font-size:1rem;letter-spacing:-.01em;opacity:.92}
.trust-row .items span small{display:block;font-family:var(--text);font-weight:400;font-size:.72rem;color:#AFC4E0;letter-spacing:0}
/* pillars */
.pillars{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.pillar{position:relative;padding:30px 26px;border-radius:18px;background:#fff;border:1.5px solid var(--line);overflow:hidden}
.pillar .pn{font-family:var(--display);font-weight:800;font-size:3rem;line-height:1;color:var(--cream-d);position:absolute;right:18px;top:12px}
.pillar h3{font-size:1.15rem;margin:16px 0 8px;color:var(--ink)}
.pillar p{font-size:.93rem}
.pillar .c{color:var(--violet)}
/* independence */
.indep{display:grid;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.indep blockquote{font-family:var(--display);font-weight:800;font-size:clamp(1.6rem,3vw,2.3rem);line-height:1.25;color:#fff;letter-spacing:-.02em}
.indep blockquote::before{content:"";display:block;width:56px;height:4px;border-radius:4px;background:var(--cream);margin-bottom:24px}
.indep ul{list-style:none;display:flex;flex-direction:column;gap:14px}
.indep li{display:flex;gap:12px;align-items:flex-start;color:#DCE6F2;font-size:.98rem}
.indep li .c{color:var(--cream);flex-shrink:0;margin-top:2px}
/* home enquiry */
.enq{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.enq h2{color:#fff;font-size:clamp(2rem,4vw,3rem);margin-bottom:16px}
.enq p{color:#DCE7F5;font-size:1.08rem}
.enq-list{list-style:none;margin-top:22px;display:flex;flex-direction:column;gap:10px}
.enq-list li{display:flex;gap:10px;color:#E4ECF7}.enq-list .c{color:var(--cream)}
form.quick{background:#fff;border-radius:20px;padding:30px;box-shadow:0 40px 80px -40px rgba(0,0,0,.6)}
form.quick h3{font-size:1.25rem;margin-bottom:16px;color:var(--ink)}
form.quick .btn{width:100%}
/* services hub: filter + chips */
.svc-tools{display:flex;gap:16px;align-items:center;flex-wrap:wrap;margin-bottom:44px;padding:18px;background:var(--cloud);border-radius:18px}
.svc-search{flex:1 1 320px;position:relative}
.svc-search input{margin:0;padding-left:44px;background:#fff;min-height:52px;font-size:1rem}
.svc-search svg{position:absolute;left:14px;top:50%;transform:translateY(-50%);color:var(--muted)}
.chip-links{display:flex;gap:8px;flex-wrap:wrap}
.chip-links a{font-family:var(--display);font-weight:700;font-size:.82rem;background:#fff;border:1.5px solid var(--line);border-radius:999px;padding:9px 14px;color:var(--ink)}
.chip-links a:hover{border-color:var(--blue);color:var(--blue)}
.svc-empty{display:none;padding:30px;text-align:center;color:var(--muted);border:1.5px dashed var(--line);border-radius:18px}
/* resources */
.gloss{display:grid;grid-template-columns:repeat(2,1fr);gap:16px}
.gloss div{background:#fff;border:1.5px solid var(--line);border-radius:16px;padding:22px}
.gloss dt{font-family:var(--display);font-weight:800;color:var(--blue);margin-bottom:6px}
.gloss dd{font-size:.94rem;color:var(--body)}
.res-cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.checklist{counter-reset:ck;list-style:none;display:grid;grid-template-columns:1fr 1fr;gap:12px 28px}
.checklist li{counter-increment:ck;display:flex;gap:14px;align-items:flex-start;background:#fff;border-radius:14px;padding:16px 18px;color:var(--ink)}
.checklist li::before{content:counter(ck);font-family:var(--display);font-weight:800;background:var(--violet);color:#fff;border-radius:50%;min-width:30px;height:30px;display:inline-flex;align-items:center;justify-content:center;font-size:.85rem}
/* faq */
details{transition:border-color .2s,box-shadow .2s}
details[open]{box-shadow:0 18px 40px -30px rgba(14,47,92,.4)}
summary:hover{color:var(--blue)}
/* mobile nav overlay */
.mobile-nav{position:fixed;left:0;right:0;top:80px;bottom:0;overflow:auto;padding:12px 0 40px;background:var(--blue-d)}
.mobile-nav details{border:0;border-radius:0;background:transparent;margin:0;padding:0 28px;border-bottom:1px solid rgba(255,255,255,.1)}
.mobile-nav summary{color:#fff;padding:16px 0}
.mobile-nav details a{padding:9px 0 9px 14px;border:0;font-family:var(--text);font-weight:400;font-size:.95rem;color:#DCE7F5}
.mobile-nav .m-grp{font-family:var(--display);font-weight:800;font-size:.72rem;letter-spacing:.12em;text-transform:uppercase;color:var(--cream);padding:14px 0 4px}
.mobile-nav .btn{margin:22px 28px 0;display:flex}
body.menu-open{overflow:hidden}
/* footer */
.foot-tag{font-family:var(--display);font-weight:800;color:var(--cream);font-size:1.05rem;margin:4px 0 14px;letter-spacing:-.01em}
@media(max-width:960px){
 .pillars,.res-cards{grid-template-columns:repeat(2,1fr)}
 .indep,.enq{grid-template-columns:minmax(0,1fr)}
 .gloss,.checklist{grid-template-columns:1fr}
 header.nav.scrolled .nav-in{height:72px}
 .mobile-nav{top:80px}
}
@media(max-width:560px){.pillars,.res-cards{grid-template-columns:1fr}.trust-row .items{gap:18px}}
@media(prefers-reduced-motion:reduce){.mega,a.card:hover,.feat:hover{transition:none!important;transform:none!important}}
.enq h2{margin:0 0 16px;max-width:none}.enq p{margin:0;max-width:56ch}
form.quick p.form-note{color:var(--muted);margin:12px 0 0;max-width:none;font-size:.8rem;text-align:center}
form.quick p.form-note a{color:var(--blue)}
form.quick .form-ok{color:#1F5E3A;margin:12px 0 0;max-width:none}
form.quick label{color:var(--ink)}
header.nav .logo,header.nav .logo img{transition:width .2s ease,padding .2s ease}
header.nav.scrolled .logo{padding:5px 16px}
header.nav.scrolled .logo img{width:150px}

/* ================= V3: TRUE PREMIUM REFINEMENT ================= */
:root{--ink-bg:#0A1B33;--ink-bg2:#0C2240;--body:#3A4A5F;--hair:rgba(22,43,69,.10);--hair-d:rgba(255,255,255,.10);
 --shadow-sm:0 1px 2px rgba(10,27,51,.06),0 4px 14px -6px rgba(10,27,51,.10);
 --shadow-lg:0 2px 4px rgba(10,27,51,.04),0 30px 60px -30px rgba(10,27,51,.30);
 --ease:cubic-bezier(.2,.7,.2,1);--mono:ui-monospace,"SFMono-Regular",Menlo,Consolas,monospace}
body{color:var(--body);line-height:1.65}
h1,h2{font-weight:700;letter-spacing:-.03em}
h3{font-weight:700;letter-spacing:-.015em}
section{padding:120px 0}
h2.title{font-size:clamp(2rem,3.6vw,3.1rem);line-height:1.08;margin-bottom:20px}
.sec-head{margin-bottom:60px}.sec-head p{font-size:1.12rem;line-height:1.6}
.sec-head h2.title::after{display:none}
/* labels */
.eyebrow{font-family:var(--display);font-weight:600;font-size:.74rem;letter-spacing:.18em;color:var(--blue);display:inline-flex;align-items:center;gap:12px}
.eyebrow::before{content:"";width:22px;height:1px;background:currentColor;opacity:.7}
.tagline::before{display:none}
/* deep-ink "moments" with soft light, replacing flat colour and circles */
.circles::before,.circles::after,.page-hero::before,.page-hero::after{display:none}
.hero,.page-hero,.cta-final,.band-navy,.band-blue,.dark{background-color:var(--ink-bg);background-image:
  radial-gradient(1100px 560px at 85% -15%,rgba(41,110,200,.55),transparent 62%),
  radial-gradient(700px 420px at -5% 105%,rgba(21,84,160,.40),transparent 60%),
  linear-gradient(180deg,#0A1B33 0%,#0B1E39 100%);background-size:auto;position:relative}
.hero::after,.page-hero::after,.cta-final::after,.band-navy::after,.band-blue::after{content:"";display:block;position:absolute;inset:0;pointer-events:none;z-index:0;
  background-image:linear-gradient(rgba(255,255,255,.05) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.05) 1px,transparent 1px);background-size:64px 64px;
  -webkit-mask-image:radial-gradient(ellipse 70% 60% at 70% 20%,#000 20%,transparent 75%);mask-image:radial-gradient(ellipse 70% 60% at 70% 20%,#000 20%,transparent 75%);width:auto;height:auto;border-radius:0;background-color:transparent;right:0;top:0;left:0;bottom:0}
.hero .wrap,.page-hero .wrap,.cta-final .wrap,.band-navy .wrap,.band-blue .wrap{position:relative;z-index:1}
.band-navy,.band-blue,.dark{color:#B9C7DA}
.band-navy .eyebrow,.band-blue .eyebrow,.hero .eyebrow,.page-hero .eyebrow,.cta-final .eyebrow{color:#9EC1F0}
/* header: glass */
header.nav{background:rgba(10,27,51,.80);backdrop-filter:blur(16px) saturate(160%);-webkit-backdrop-filter:blur(16px) saturate(160%);border-bottom:1px solid var(--hair-d);box-shadow:none}
header.nav.scrolled{background:rgba(10,27,51,.92);box-shadow:0 12px 30px -20px rgba(0,0,0,.6)}
.nav-links a{font-weight:500;font-size:.9rem;color:rgba(255,255,255,.82)}
.nav-links a:hover{color:#fff}
.nav-links a[aria-current=page]{color:#fff;box-shadow:inset 0 -2px 0 var(--cream)}
.logo{padding:6px 18px;box-shadow:0 6px 20px -10px rgba(0,0,0,.6)}
.logo img{width:168px}
.nav-cta{background:#fff;color:var(--ink)}.nav-cta:hover{background:var(--cream)}
/* buttons */
.btn{border-radius:10px;font-weight:600;letter-spacing:-.005em;padding:15px 26px;background:linear-gradient(180deg,#1C61B4,#1554A0);box-shadow:0 1px 0 rgba(255,255,255,.18) inset,0 10px 24px -14px rgba(21,84,160,.9);transition:transform .2s var(--ease),box-shadow .2s var(--ease),background .2s}
.btn:hover{background:linear-gradient(180deg,#1A5AA8,#0F3F7A);transform:translateY(-1px)}
.btn-cream,.btn-light{background:#fff;color:var(--ink);box-shadow:0 10px 30px -14px rgba(0,0,0,.7)}
.btn-cream:hover,.btn-light:hover{background:var(--cream);color:var(--ink)}
.btn-white{background:rgba(255,255,255,.06);color:#fff;border:1px solid rgba(255,255,255,.28);box-shadow:none}
.btn-white:hover{background:rgba(255,255,255,.12);color:#fff}
.btn-out{border:1px solid var(--hair);background:#fff;color:var(--ink);box-shadow:var(--shadow-sm)}
.btn-out:hover{border-color:var(--ink);background:#fff;color:var(--ink)}
/* hero */
.hero{padding:96px 0 80px}
.hero h1{font-size:clamp(2.8rem,5.6vw,4.6rem);line-height:1.04;letter-spacing:-.035em;color:#fff}
.hl{background:none;padding:0;color:var(--cream);border-radius:0}
.hero .lead{color:#B9C7DA;font-size:1.15rem;line-height:1.65}
.tagline{color:#9EC1F0;letter-spacing:.2em;font-weight:600}
.chip{font-family:var(--mono);font-weight:500;font-size:.74rem;border:1px solid rgba(255,255,255,.18);color:#DCE6F2;background:rgba(255,255,255,.04)}
.trust-row{border-top:1px solid var(--hair-d);margin-top:80px}
.trust-row .items span{font-family:var(--mono);font-weight:500;font-size:.92rem;color:#E3EBF6}
.trust-row .items span small{font-family:var(--text)}
/* report card: refined glass frame */
.mock{border:0;border-radius:18px;box-shadow:0 0 0 1px rgba(255,255,255,.08),0 0 0 10px rgba(255,255,255,.04),0 50px 100px -40px rgba(0,0,0,.75)}
.mock-row b{font-family:var(--mono);font-weight:500}
.mock-title{font-weight:700;letter-spacing:-.02em}
.mock-foot span{font-family:var(--mono);font-weight:500;background:var(--cloud)}
.float-chip2{background:rgba(10,27,51,.72);backdrop-filter:blur(12px);-webkit-backdrop-filter:blur(12px);border:1px solid rgba(255,255,255,.14);right:-18px;top:-18px}
.float-chip2 .c{color:var(--cream)}
/* light surfaces */
.grey{background:#F5F7FA}
.cream{background:#FBFAF2}
.mission{background:var(--ink-bg);color:#fff;border-radius:22px;padding:48px;background-image:radial-gradient(500px 260px at 100% 0%,rgba(41,110,200,.45),transparent 70%);box-shadow:var(--shadow-lg)}
.mission .eyebrow{color:var(--cream)}
.mission p.big{color:#fff;font-weight:700;letter-spacing:-.025em}
/* cards: hairline + soft depth */
.card,.std-card,.feat,.pillar,.stat,.gloss div,.svc-link,details,.status-panel{border:1px solid var(--hair);box-shadow:var(--shadow-sm);border-radius:20px}
a.card:hover,.feat:hover,.std-card:hover,.svc-link:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg);border-color:rgba(21,84,160,.35);background:#fff}
.card h3{color:var(--ink)}
.card .more{color:var(--blue)}
.ibox{background:#EEF3FA;color:var(--blue);border-radius:12px;width:48px;height:48px}
.card ul li::before{background:var(--blue);width:5px;height:5px;top:.65em}
.std-card .num{font-family:var(--mono);font-weight:500;font-size:1.15rem;letter-spacing:-.01em}
/* steps: precise timeline */
.steps{position:relative;gap:0}
.step{padding:0 28px 0 0;position:relative}
.step::before{content:"";position:absolute;left:52px;right:0;top:25px;height:1px;background:var(--hair)}
.step:last-child::before{display:none}
.snum,section:not(.band-blue):not(.band-navy):not(.dark) .snum{background:#fff;color:var(--blue);border:1px solid rgba(21,84,160,.35);font-family:var(--mono);font-weight:500;font-size:.95rem;box-shadow:var(--shadow-sm);width:50px;height:50px}
/* stats on ink */
.band-navy .stat{background:rgba(255,255,255,.03);border:1px solid var(--hair-d);box-shadow:none}
.band-navy .stat b{color:#fff;font-weight:700}
.band-navy .stat h4{color:var(--cream)}
.band-navy .stat p{color:#9FB0C6}
/* pillars */
.pillar .pn{font-family:var(--mono);font-weight:500;font-size:.85rem;color:var(--muted);top:22px;right:24px}
.pillar .c{color:var(--blue)}
/* independence */
.indep blockquote{font-weight:700;letter-spacing:-.03em}
.indep blockquote::before{background:var(--cream);height:2px;width:40px}
/* markets panel */
.status-panel{padding:30px}
.st.test{background:#EEF3FA;color:var(--blue)}
.st.sched{background:#FBFAF2;color:#6B5E12;border:1px solid var(--cream-d)}
/* status pill */
.status{background:#EEF3FA;color:var(--blue)}.status i{background:var(--blue)}
/* faq */
details{border-radius:16px;margin-bottom:12px}
details[open]{border-color:rgba(21,84,160,.35)}
/* services hub */
.svc-tools{background:#fff;border:1px solid var(--hair);box-shadow:var(--shadow-sm)}
.chip-links a{border:1px solid var(--hair)}
.grp{border-top:1px solid var(--hair)}
.grp h3{color:var(--ink)}
.svc-link{border-radius:16px}
/* page hero */
.page-hero{padding:96px 0 84px}
.page-hero h1{letter-spacing:-.035em;font-weight:700}
.crumb a{color:#9EC1F0}
/* forms */
input,select,textarea{border:1px solid #D5DEE9;background:#FAFBFD;border-radius:12px}
form.quote,form.quick{border:1px solid var(--hair);box-shadow:var(--shadow-lg);border-radius:22px}
form.quote h3,form.quick h3{color:var(--ink)}
/* footer */
footer{background:#08162B;color:#93A3B8}
.foot-col a{color:#B6C3D4}
.foot-tag{color:var(--cream);font-weight:700}
/* motion */
.rv{transform:translateY(12px);transition:opacity .8s var(--ease),transform .8s var(--ease)}
.cards>.rv:nth-child(2),.steps>.rv:nth-child(2),.pillars>.rv:nth-child(2),.stats>.rv:nth-child(2){transition-delay:.06s}
.cards>.rv:nth-child(3),.steps>.rv:nth-child(3),.pillars>.rv:nth-child(3),.stats>.rv:nth-child(3){transition-delay:.12s}
.cards>.rv:nth-child(4),.steps>.rv:nth-child(4),.pillars>.rv:nth-child(4),.stats>.rv:nth-child(4){transition-delay:.18s}
@media(max-width:960px){section{padding:84px 0}.step{padding:0 0 28px}.step::before{display:none}.float-chip2{right:10px;top:-14px}.mission{padding:34px}}
@media(max-width:560px){section{padding:64px 0}.hero h1{font-size:2.5rem}}
@media(prefers-reduced-motion:reduce){.btn:hover{transform:none}}

/* ===== V3.1: light glass header + light footer, logo on its own (no capsule) ===== */
header.nav{background:rgba(255,255,255,.86);backdrop-filter:blur(18px) saturate(180%);-webkit-backdrop-filter:blur(18px) saturate(180%);border-bottom:1px solid var(--hair);box-shadow:none}
header.nav.scrolled{background:rgba(255,255,255,.94);box-shadow:0 10px 30px -22px rgba(10,27,51,.45)}
.logo,header.nav.scrolled .logo,footer .logo{background:none;border-radius:0;padding:0;box-shadow:none}
.logo img{width:196px}
header.nav.scrolled .logo img{width:172px}
.nav-in{height:84px}
header.nav.scrolled .nav-in{height:70px}
.nav-links a{color:var(--ink);font-weight:500}
.nav-links a:hover{color:var(--blue)}
.nav-links a[aria-current=page]{color:var(--blue);box-shadow:inset 0 -2px 0 var(--blue)}
.nav-cta{background:linear-gradient(180deg,#1C61B4,#1554A0);color:#fff}
.nav-cta:hover{background:linear-gradient(180deg,#1A5AA8,#0F3F7A);color:#fff}
.menu-btn{background:#F1F4F8;color:var(--ink)}
.mobile-nav{background:#fff;border-top:1px solid var(--hair)}
.mobile-nav a,.mobile-nav summary{color:var(--ink)}
.mobile-nav details{border-bottom:1px solid var(--hair)}
.mobile-nav details a{color:var(--body)}
.mobile-nav .m-grp{color:var(--blue)}
.mobile-nav a{border-bottom:1px solid var(--hair)}
.mobile-nav .btn{color:#fff;border:0}
/* footer: light, logo on white per brandbook */
footer{background:#F5F7FA;color:var(--body);border-top:1px solid var(--hair)}
.foot-grid{border-bottom:1px solid var(--hair)}
footer .logo img{width:200px}
.foot-tag{color:var(--ink)}
.foot-col h5{color:var(--blue)}
.foot-col a{color:var(--body)}.foot-col a:hover{color:var(--blue)}
.foot-legal{color:var(--muted)}
.foot-bottom a{color:var(--blue)}
@media(max-width:960px){.logo img{width:168px}.nav-in{height:76px}.mobile-nav{top:76px}}
@media(max-width:560px){.logo img{width:156px}}
@media(min-width:961px){.hero h1{font-size:clamp(2.4rem,4.3vw,3.6rem);line-height:1.08}.hero-grid{grid-template-columns:1.15fr .85fr}}
/* mobile fixes v4 */
h1,h2,h3{overflow-wrap:normal;word-break:normal;hyphens:manual}
@media(max-width:960px){.hero h1{font-size:clamp(2.2rem,6.4vw,3rem);line-height:1.1}}
@media(max-width:560px){.hero h1{font-size:2.05rem;line-height:1.12;letter-spacing:-.02em}}
@media(max-width:380px){.hero h1{font-size:1.85rem}}

.feats5{grid-template-columns:repeat(5,minmax(0,1fr))}
.std2{grid-template-columns:repeat(2,minmax(0,1fr))}
@media(max-width:1100px){.feats5{grid-template-columns:repeat(3,minmax(0,1fr))}}
@media(max-width:960px){.feats5{grid-template-columns:repeat(2,minmax(0,1fr))}}
@media(max-width:560px){.feats5,.std2{grid-template-columns:minmax(0,1fr)}.feat{padding:22px}
 .std-card .num{white-space:normal}
 .stat{padding:24px}.stat b{font-size:2rem}
 .hero .mock{margin-top:8px}
 section{padding:56px 0}}
@media(max-width:960px){.crumb a,.aside-mail{display:inline-block;padding:10px 0;min-height:24px}}

.mobile-nav{z-index:90}.mobile-nav.open{display:block}body.menu-open{overflow:hidden}
@media(min-width:961px){.mobile-nav,.mobile-nav.open{display:none}}
.mobile-nav .btn,.mobile-nav a.btn{background:var(--blue);color:#fff!important;justify-content:center;border:0;padding:15px 20px;border-radius:12px}.mobile-nav .btn svg{stroke:#fff}
@media(max-width:960px){.hero{padding:28px 0 56px}.page-hero{padding:28px 0 48px}}
@media(max-width:560px){.hero{padding:20px 0 48px}.page-hero{padding:20px 0 40px}.hero .tagline,.hero .eyebrow{margin-bottom:12px}}
@media(max-width:560px){.page-hero .crumb{margin-bottom:18px}}