/* JA Transcription: design tokens from the signed-off palette */
:root{
  --navy:#0A2342; --navy-2:#0f2f58; --cyan:#15B5D1; --teal:#0E7C86; --ice:#7FD6E6;
  --ink:#0A2342; --muted:#44586e; --soft:#F4F8FB; --line:#d9e2ec; --white:#fff;
  --radius:10px; --wrap:1120px;
  --font:'Manrope',system-ui,-apple-system,'Segoe UI',Roboto,Arial,sans-serif;
}
@font-face{font-family:'Manrope';font-weight:400;font-style:normal;font-display:swap;src:url(/assets/fonts/manrope-latin-400-normal.woff2) format('woff2')}
@font-face{font-family:'Manrope';font-weight:500;font-style:normal;font-display:swap;src:url(/assets/fonts/manrope-latin-500-normal.woff2) format('woff2')}
@font-face{font-family:'Manrope';font-weight:600;font-style:normal;font-display:swap;src:url(/assets/fonts/manrope-latin-600-normal.woff2) format('woff2')}
@font-face{font-family:'Manrope';font-weight:700;font-style:normal;font-display:swap;src:url(/assets/fonts/manrope-latin-700-normal.woff2) format('woff2')}
@font-face{font-family:'Manrope';font-weight:800;font-style:normal;font-display:swap;src:url(/assets/fonts/manrope-latin-800-normal.woff2) format('woff2')}

*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:var(--white);-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;height:auto}
a{color:var(--teal);text-underline-offset:3px}
a:hover{color:var(--navy)}
:focus-visible{outline:3px solid var(--cyan);outline-offset:3px;border-radius:4px}
.sr{position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);white-space:nowrap}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:10px 16px;z-index:100;border-radius:6px}
.skip:focus{left:8px}
.wrap{width:100%;max-width:var(--wrap);margin:0 auto;padding:0 20px}
.narrow{max-width:760px}

h1,h2,h3,h4{font-weight:800;line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,4.6vw,3.2rem)}
h2{font-size:clamp(1.55rem,3vw,2.15rem)}
h3{font-size:1.2rem;font-weight:700}
p{margin:0 0 1.1em}
.lead{font-size:1.2rem;color:var(--muted);max-width:44em}
.eyebrow{font-size:.8rem;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);margin:0 0 .8em}
.on-dark .eyebrow,.hero .eyebrow{color:var(--ice)}
.page-hero .eyebrow,.cta-band .eyebrow,.site-footer .eyebrow{color:var(--cyan)}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(6px)}
.header-in{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:76px}
.brand{display:block;line-height:0}
.brand img{height:44px;width:auto}
.site-nav{display:flex;align-items:center;gap:22px}
.site-nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0}
.site-nav li a{display:block;padding:10px 12px;color:var(--navy);font-weight:600;font-size:.95rem;text-decoration:none;border-radius:6px}
.site-nav li a:hover{background:var(--soft)}
.site-nav li a[aria-current="page"]{color:var(--teal);box-shadow:inset 0 -3px 0 var(--cyan)}
.nav-toggle{display:none;background:none;border:1px solid var(--line);border-radius:8px;width:46px;height:46px;cursor:pointer}
.bars,.bars::before,.bars::after{display:block;width:22px;height:2px;background:var(--navy);position:relative;margin:auto;content:""}
.bars::before{position:absolute;top:-7px;left:0}.bars::after{position:absolute;top:7px;left:0}

/* buttons */
.btn{display:inline-block;font:inherit;font-weight:700;font-size:1rem;padding:14px 26px;border-radius:8px;text-decoration:none;border:2px solid transparent;cursor:pointer;line-height:1.2;text-align:center}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);color:#fff}
.btn-cyan{background:var(--cyan);color:var(--navy)}
.btn-cyan:hover{background:var(--ice);color:var(--navy)}
.btn-ghost{background:transparent;border-color:var(--navy);color:var(--navy)}
.btn-ghost:hover{background:var(--soft);color:var(--navy)}
.on-dark .btn-ghost,.hero .btn-ghost,.cta-band .btn-ghost{border-color:#fff;color:#fff}
.on-dark .btn-ghost:hover,.hero .btn-ghost:hover,.cta-band .btn-ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.nav-cta{padding:11px 18px;font-size:.92rem}
.btn-row{display:flex;flex-wrap:wrap;gap:14px;margin-top:1.6em}

/* hero */
.hero{background:var(--navy);color:#fff;position:relative;overflow:hidden;padding:84px 0 110px}
.hero h1{color:#fff;max-width:15em}
.hero .lead{color:#d6e3f1}
.hero-mark{position:absolute;right:max(24px,calc((100% - var(--wrap))/2 + 20px));top:50%;transform:translateY(-62%);width:min(36vw,460px);height:auto;opacity:.16;pointer-events:none}
.hero .wrap{position:relative;z-index:1}
.hero .pulse{position:absolute;left:0;right:0;bottom:26px;width:100%;height:70px;opacity:.9}
.hero .pulse path{fill:none;stroke:var(--cyan);stroke-width:3;stroke-linecap:round;stroke-linejoin:round;vector-effect:non-scaling-stroke}
.hero-points{list-style:none;padding:0;margin:2em 0 0;display:flex;flex-wrap:wrap;gap:10px 28px;color:#d6e3f1;font-size:.95rem;font-weight:600}
.hero-points li::before{content:"";display:inline-block;width:8px;height:8px;border-radius:50%;background:var(--cyan);margin-right:10px}
.page-hero{background:var(--navy);color:#fff;padding:64px 0 56px}
.page-hero h1{color:#fff}
.page-hero .lead{color:#d6e3f1;margin-bottom:0}

/* sections */
section{padding:76px 0}
.alt{background:var(--soft)}
.on-dark{background:var(--navy);color:#fff}
.on-dark h2,.on-dark h3{color:#fff}
.on-dark p{color:#d6e3f1}
.section-head{max-width:46em;margin-bottom:2.4em}
.grid{display:grid;gap:24px}
.g3{grid-template-columns:repeat(3,1fr)}
.g2{grid-template-columns:repeat(2,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;display:flex;flex-direction:column}
.card h3{margin-top:0}
.card .step-no{font-size:.8rem;font-weight:800;letter-spacing:.16em;color:var(--teal);text-transform:uppercase;margin-bottom:.6em}
.card .more{margin-top:auto;font-weight:700}
.card.pillar{border-top:5px solid var(--cyan)}
.card.pillar p{color:var(--muted)}
.ticks{list-style:none;padding:0;margin:0 0 1.2em}
.ticks li{position:relative;padding-left:30px;margin-bottom:.7em}
.ticks li::before{content:"";position:absolute;left:2px;top:.5em;width:14px;height:8px;border-left:3px solid var(--teal);border-bottom:3px solid var(--teal);transform:rotate(-45deg)}
.feature{display:grid;gap:6px}
.feature h3{margin-bottom:.2em}
.feature p{color:var(--muted);margin:0}
.chips{display:flex;flex-wrap:wrap;gap:10px;list-style:none;padding:0;margin:0}
.chips li{background:#fff;border:1px solid var(--line);padding:8px 16px;border-radius:999px;font-weight:600;font-size:.95rem}
.alt .chips li{background:#fff}
blockquote{margin:0;padding:30px;border-left:5px solid var(--cyan);background:#fff;border-radius:0 var(--radius) var(--radius) 0;font-size:1.08rem}
blockquote p{margin-bottom:1em}
blockquote cite{display:block;font-style:normal;font-weight:700;font-size:.95rem;color:var(--navy)}
blockquote cite span{display:block;font-weight:500;color:var(--muted)}
.cta-band{background:var(--navy);color:#fff;text-align:center}
.cta-band h2{color:#fff}
.cta-band p{color:#d6e3f1;max-width:40em;margin-left:auto;margin-right:auto}
.cta-band .btn-row{justify-content:center}
.note{background:var(--soft);border:1px solid var(--line);border-left:5px solid var(--teal);padding:18px 22px;border-radius:0 var(--radius) var(--radius) 0;font-size:.97rem}
.steps{counter-reset:s;list-style:none;padding:0;margin:0;display:grid;gap:22px}
.steps li{counter-increment:s;display:grid;grid-template-columns:52px 1fr;gap:18px;align-items:start}
.steps li::before{content:counter(s);display:flex;align-items:center;justify-content:center;width:52px;height:52px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;font-size:1.2rem}
.steps h3{margin:.2em 0 .2em}.steps p{margin:0;color:var(--muted)}
.prose h2{margin-top:1.8em;font-size:1.5rem}
.prose h3{margin-top:1.5em}
.prose ol,.prose ul{padding-left:1.3em}
.prose li{margin-bottom:.5em}
.legal{font-size:.98rem}
.legal h2{font-size:1.25rem}
.legal .clause{margin:0 0 .8em;padding-left:3.2em;text-indent:-3.2em}
.legal .sub{padding-left:5.6em}
details{border:1px solid var(--line);border-radius:var(--radius);background:#fff;margin-bottom:12px}
summary{cursor:pointer;font-weight:700;padding:18px 22px;list-style:none;position:relative;padding-right:52px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";position:absolute;right:22px;top:50%;transform:translateY(-50%);font-size:1.5rem;color:var(--teal);font-weight:600}
details[open] summary::after{content:"\2212"}
details .ans{padding:0 22px 8px;color:var(--muted)}

/* forms */
form.contact{display:grid;gap:18px}
.field label{display:block;font-weight:700;margin-bottom:6px;font-size:.95rem}
.field .hint{font-weight:500;color:var(--muted);font-size:.88rem}
input[type=text],input[type=email],input[type=tel],select,textarea{width:100%;font:inherit;padding:13px 14px;border:1.5px solid #9fb2c6;border-radius:8px;background:#fff;color:var(--ink)}
textarea{min-height:150px;resize:vertical}
input:focus,select:focus,textarea:focus{border-color:var(--teal)}
.two{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.check{display:flex;gap:12px;align-items:flex-start;font-size:.95rem}
.check input{margin-top:.35em;width:20px;height:20px;flex:none}
.hp{position:absolute;left:-9999px}
.contact-aside{display:grid;gap:18px;align-content:start}
.contact-aside .card{padding:24px}
.big-link{font-size:1.35rem;font-weight:800;color:var(--navy);text-decoration:none}
.big-link:hover{color:var(--teal)}

/* footer */
.site-footer{background:var(--navy);color:#cfe0f1;padding:60px 0 0;font-size:.95rem}
.site-footer a{color:#e8f1fa}
.site-footer a:hover{color:var(--ice)}
.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1.2fr;gap:36px}
.foot-h{font-size:.8rem;letter-spacing:.14em;text-transform:uppercase;color:var(--ice);margin:0 0 14px}
.foot-list{list-style:none;padding:0;margin:0}
.foot-list li{margin-bottom:8px}
.tagline{color:var(--ice);font-weight:700;letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;margin:16px 0 8px}
.fine{color:#9fb6cd;margin:0}
.footer-base{margin-top:44px;padding-top:22px;padding-bottom:30px;border-top:1px solid rgba(255,255,255,.15);display:flex;flex-wrap:wrap;justify-content:space-between;gap:10px 24px;font-size:.85rem;color:#9fb6cd}
.footer-base p{margin:0}
.linklike{background:none;border:0;padding:0;font:inherit;color:#e8f1fa;text-decoration:underline;text-underline-offset:3px;cursor:pointer}

/* consent */
.consent{position:fixed;left:16px;right:16px;bottom:16px;z-index:90;max-width:760px;margin:0 auto;background:#fff;border:1px solid var(--line);box-shadow:0 12px 40px rgba(10,35,66,.25);border-radius:12px;padding:20px 22px}
.consent[hidden]{display:none}
.consent-in{display:flex;gap:18px;align-items:center;flex-wrap:wrap}
.consent p{margin:0;flex:1 1 320px;font-size:.93rem}
.consent-btns{display:flex;gap:10px}
.consent .btn{padding:11px 18px;font-size:.92rem}

@media (max-width:960px){
  .g3,.g4{grid-template-columns:1fr 1fr}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:1080px){
  .nav-toggle{display:block}
  .site-nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;border-bottom:1px solid var(--line);padding:12px 20px 22px;flex-direction:column;align-items:stretch;gap:12px}
  .site-nav.open{display:flex}
  .site-nav ul{flex-direction:column}
  .site-nav li a{padding:14px 10px}
  .header-in{position:relative}
}
@media (max-width:820px){.hero-mark{width:70vw;top:auto;bottom:64px;transform:none;right:-10vw;opacity:.1}}
@media (max-width:640px){
  body{font-size:16.5px}
  section{padding:56px 0}
  .hero{padding:56px 0 96px}
  .g2,.g3,.g4,.two,.footer-grid{grid-template-columns:1fr}
  .brand img{height:38px}
  .btn{width:100%}
  .consent-btns{width:100%}.consent-btns .btn{flex:1}
}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important;animation:none!important}}
@media print{.site-header,.site-footer,.consent,.hero .pulse{display:none}.hero,.page-hero,.cta-band{background:#fff;color:#000}.hero h1,.page-hero h1{color:#000}}

/* form validation */
.field-err{margin:6px 0 0;color:#b3261e;font-size:.9rem;font-weight:600}
.check .field-err{margin-top:4px}
[aria-invalid="true"]{border-color:#b3261e!important}
@media (min-width:641px){.two.wide{grid-template-columns:1.45fr 1fr}}
/* about */
.about-intro{display:grid;grid-template-columns:300px 1fr;gap:36px;align-items:center;max-width:960px;margin:0 auto}
.about-intro .prose p{font-size:1.12rem;line-height:1.7}
.about-photo{margin:0}
.about-photo img{width:100%;height:auto;aspect-ratio:4/5;object-fit:cover;object-position:50% 20%;border-radius:var(--radius);display:block;box-shadow:0 10px 30px rgba(10,35,66,.15)}
.about-photo figcaption{margin-top:14px;text-align:center;font-size:.92rem;color:var(--muted)}
.about-photo figcaption strong{display:block;color:var(--navy);font-size:1rem}
@media (max-width:960px){.quotes{grid-template-columns:1fr}}
@media (max-width:820px){.about-intro{grid-template-columns:1fr;gap:24px}.about-photo{max-width:280px}}
.two.wide .field{display:flex;flex-direction:column;justify-content:flex-end}
.check{display:grid;grid-template-columns:20px 1fr;column-gap:12px;align-items:start}
.check .field-err{grid-column:2;margin:4px 0 0}

.panels{align-items:stretch;gap:28px}
.panel{background:#fff;border:1px solid var(--line);border-top:5px solid var(--cyan);border-radius:var(--radius);padding:34px 34px 30px;box-shadow:0 8px 24px rgba(10,35,66,.06)}
.panel h2{margin:0 0 .7em;font-size:1.45rem}
.panel p:last-child{margin-bottom:0}
.panel .btn-row{margin-top:1.4em}

/* insights */
.post-meta{margin:1.2em 0 0;color:#9fb6cd;font-size:.92rem}
a.plain{color:var(--navy);text-decoration:none}
a.plain:hover{color:var(--teal);text-decoration:underline}
.terms{display:grid;grid-template-columns:1fr 1fr;gap:14px;margin:1.2em 0 2em}
.term{background:var(--soft);border:1px solid var(--line);border-left:4px solid var(--cyan);border-radius:0 var(--radius) var(--radius) 0;padding:14px 18px}
.term p{margin:0;font-size:.95rem}
.term .term-pair{font-size:1rem;margin-bottom:4px;color:var(--navy)}
.term .term-pair span{color:var(--muted);font-weight:500;font-size:.9rem;margin:0 4px}
.fine-print{font-size:.9rem;color:var(--muted)}
.prose .note{margin:2em 0}
@media (max-width:640px){.terms{grid-template-columns:1fr}}

ol.sources{font-size:.92rem;padding-left:1.25rem;color:var(--muted,#44546a)}
ol.sources li{margin:.4rem 0;overflow-wrap:anywhere}
sup a{text-decoration:none;font-weight:600}

.lead-magnet{margin:24px 0 32px}
ol.steps-list{padding-left:1.4rem}
ol.steps-list li{margin:.6rem 0}
.prose .btn-row{margin:0 0 20px}
.field[hidden]{display:none}