:root{--navy:#14304f;--navy-deep:#0d2139;--gold:#e2b34c;--ink:#1b2430;--muted:#5b6676;--line:#e3e7ec;--tint:#f5f3ee;--white:#fff;--radius:14px;--serif:"Fraunces", Georgia, serif;--sans:"Inter", system-ui, -apple-system, sans-serif}*{box-sizing:border-box}html{scroll-behavior:smooth;scroll-padding-top:76px}body{font-family:var(--sans);color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased;margin:0;line-height:1.6}h1,h2,h3,h4{font-family:var(--serif);color:var(--navy);margin:0 0 .6em;font-weight:600;line-height:1.2}h1{color:var(--white);font-size:clamp(2rem,4.5vw,3.2rem)}h2{font-size:clamp(1.6rem,3vw,2.3rem)}h3{font-size:1.2rem}p{margin:0 0 1em}a{color:inherit}.container{width:100%;max-width:1140px;margin:0 auto;padding:0 16px}@media (width>=720px){.container{padding:0 32px}}.eyebrow{text-transform:uppercase;letter-spacing:.14em;color:#b08425;margin-bottom:.8em;font-size:.75rem;font-weight:600}.btn{background:var(--gold);color:var(--navy-deep);border:2px solid var(--gold);cursor:pointer;font-weight:600;font:inherit;border-radius:999px;padding:.85em 1.4em;font-weight:600;text-decoration:none;transition:transform .15s,background .15s;display:inline-block}.btn:hover{background:#edc469;transform:translateY(-1px)}.btn-ghost{color:var(--white);background:0 0;border-color:#fff6}.btn-ghost:hover{background:#ffffff14}.btn-small{padding:.5em 1em;font-size:.9rem}.header{z-index:10;-webkit-backdrop-filter:blur(8px);backdrop-filter:blur(8px);color:var(--white);background:#0d2139f5;position:sticky;top:0}.header-inner{justify-content:space-between;align-items:center;height:68px;display:flex}.logo{font-family:var(--serif);align-items:center;gap:10px;font-size:1.15rem;font-weight:600;text-decoration:none;display:flex}.logo 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#22497a 0%, transparent 55%), var(--navy-deep);color:#d5dde8;padding:clamp(56px,10vw,120px) 0}.hero-inner{grid-template-columns:1.5fr 1fr;align-items:center;gap:48px;display:grid}.hero .eyebrow{color:var(--gold)}.lead{max-width:36em;font-size:1.1rem}.hero-actions{flex-wrap:wrap;gap:12px;margin-top:28px;display:flex}.stats{gap:14px;margin:0;display:grid}.stats div{border-radius:var(--radius);background:#ffffff08;border:1px solid #ffffff1f;padding:18px 22px}.stats dt{font-family:var(--serif);color:var(--gold);font-size:2rem;line-height:1}.stats dd{margin:6px 0 0;font-size:.92rem}@media (width<=860px){.hero-inner{grid-template-columns:1fr}}.section{padding:clamp(56px,9vw,104px) 0}.section-tint{background:var(--tint)}.section-lead{max-width:40em;color:var(--muted);margin-bottom:2em}.grid{gap:20px;margin-top:32px;display:grid}.grid-4{grid-template-columns:1fr}@media (width>=600px){.grid-4{grid-template-columns:repeat(2,1fr)}}@media (width>=1040px){.grid-4{grid-template-columns:repeat(4,1fr)}}.grid-3{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}.grid-2{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}.card{background:var(--white);border:1px solid var(--line);border-radius:var(--radius);color:var(--muted);padding:28px}.card h3{margin-top:10px}.card-num{font-family:var(--serif);color:var(--gold);font-size:1.1rem}.sub-title{margin-top:64px}.steps{grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:20px;margin:24px 0 0;padding:0;list-style:none;display:grid}.steps li{border-top:3px solid var(--navy);color:var(--muted);padding-top:18px}.step-label{letter-spacing:.12em;text-transform:uppercase;color:#b08425;font-size:.75rem;font-weight:600;display:block}.steps h4{margin:6px 0;font-size:1.1rem}.std{background:var(--white);border-radius:var(--radius);border:1px solid var(--line);padding:24px}.std h3{font-size:1.05rem}.std .chips{margin-top:0}.about{grid-template-columns:1fr 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var(--navy-deep);color:#d5dde8;padding:clamp(48px,8vw,96px) 0;position:relative;overflow:hidden}.page-header .eyebrow{color:var(--gold)}.page-header .container{position:relative}.watermark{color:var(--white);opacity:.07;pointer-events:none;position:absolute;bottom:-70px;right:-40px}@media (width<=720px){.watermark{width:220px;height:220px;bottom:-40px;right:-50px}}.hero-art{justify-items:center;gap:20px;display:grid}.hero-logo{color:var(--white);filter:drop-shadow(0 20px 40px #00000040);width:100%;max-width:220px;height:auto}.hero-art .stats{width:100%}@media (width<=860px){.hero-logo{max-width:200px}}.no-top{margin-top:0}.chips{flex-wrap:wrap;gap:8px;margin:24px 0 0;padding:0;list-style:none;display:flex}.chips li{color:var(--navy);background:#eef2f7;border-radius:999px;padding:5px 11px;font-size:.88rem;font-weight:500}.section-tint .chips:not(.std .chips) li{background:var(--white);border:1px solid var(--line)}.more-link{color:var(--navy);border-bottom:2px solid 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