:root{--yellow:#FFC400;--amber:#FFA400;--orange:#F26A21;--deep:#C2410C;--ink:#1F1B16;--navy:#0A2540;--cream:#FFF8E7;--sand:#FFEFC2;--muted:#5d554b;--line:#f1e3bd;--white:#fff;--r:18px;--sh:0 10px 28px rgba(194,65,12,.12);--font:Calibri,"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:80px}
body{font-family:var(--font);color:var(--ink);background:var(--white);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--deep);text-decoration:none}
a:hover{text-decoration:underline}
:focus-visible{outline:3px solid var(--navy);outline-offset:2px}
.container{width:min(1160px,92%);margin-inline:auto}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:300}
.skip:focus{left:0}
h1,h2,h3{line-height:1.2;color:var(--navy)}
h1{font-size:clamp(2rem,4.6vw,3.4rem);font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(1.6rem,3vw,2.3rem);margin-bottom:14px}
h3{font-size:1.15rem;margin-bottom:6px}
p{margin-bottom:12px;color:var(--muted)}
.lead{font-size:1.15rem}
.small{font-size:.85rem}
.center{text-align:center}.mt{margin-top:32px}
.ic{flex:none}
/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;padding:12px 24px;border-radius:999px;font-weight:700;font-size:.95rem;border:2px solid transparent;cursor:pointer;font-family:inherit;transition:.25s}
.btn:hover{text-decoration:none;transform:translateY(-2px)}
.btn-sm{padding:8px 16px;font-size:.85rem}
.btn-primary{background:linear-gradient(135deg,var(--yellow),var(--orange));color:#1b1206;box-shadow:0 8px 20px rgba(242,106,33,.3)}
.btn-dark{background:var(--navy);color:#fff}
.btn-dark:hover{background:#0f3563}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}
.btn-ghost{background:transparent;border-color:var(--orange);color:var(--deep)}
.btn-ghost:hover{background:var(--sand)}
.cta{display:flex;gap:12px;flex-wrap:wrap;margin-top:22px}.cta.c{justify-content:center}
/* header */
.site-header{position:sticky;top:0;z-index:200;background:rgba(255,255,255,.94);backdrop-filter:blur(10px);border-bottom:1px solid var(--line)}
.bar{display:flex;align-items:center;justify-content:space-between;height:70px;gap:14px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none!important}
.mark{width:40px;height:40px;border-radius:12px;background:linear-gradient(135deg,var(--yellow),var(--orange));display:flex;align-items:center;justify-content:center;color:#1b1206}
.brand-text{font-weight:800;letter-spacing:.14em;color:var(--navy);font-size:1.05rem}
.brand-text b{color:var(--orange);margin-left:4px}
.brand-text.light{color:#fff}
.brand-logo{height:44px;width:auto;display:block}
nav ul{display:flex;gap:6px;list-style:none;align-items:center}
nav a{color:var(--ink);font-size:.92rem;font-weight:600;padding:8px 11px;border-radius:999px}
nav a:hover{background:var(--sand);text-decoration:none}
nav a.active{background:var(--sand);color:var(--deep)}
nav a.btn{color:#fff;margin-left:6px}
.menu-btn{display:none;background:var(--sand);border:0;border-radius:10px;padding:9px 14px;font-weight:700;font-family:inherit;color:var(--navy);cursor:pointer}
/* hero */
.hero{background:linear-gradient(135deg,#FFD84A 0%,#FFB300 45%,#F26A21 100%);position:relative;overflow:hidden;padding:84px 0 70px}
.hero::before,.hero::after{content:"";position:absolute;border-radius:50%;background:rgba(255,255,255,.18)}
.hero::before{width:420px;height:420px;right:-120px;top:-140px}
.hero::after{width:260px;height:260px;left:-90px;bottom:-120px}
.hgrid{position:relative;display:grid;grid-template-columns:1.25fr .75fr;gap:44px;align-items:center;z-index:1}
.hero h1{color:#1b1206}
.hero .lead{color:#3a2a10;margin:18px 0}
.eyebrow{display:inline-block;font-size:.78rem;font-weight:800;letter-spacing:.18em;text-transform:uppercase;color:var(--orange);margin-bottom:10px}
.eyebrow.dark{color:#7a2d05}
.hchips{display:grid;grid-template-columns:1fr 1fr;gap:12px}
.chip{background:rgba(255,255,255,.92);border-radius:16px;padding:16px;box-shadow:var(--sh);animation:float 6s ease-in-out infinite;display:flex;flex-direction:column;gap:2px;color:var(--deep)}
.chip b{color:var(--navy);margin-top:6px}
.chip span{font-size:.82rem;color:var(--muted)}
.chip:nth-child(2n){animation-delay:-2.5s}
@keyframes float{0%,100%{transform:translateY(0)}50%{transform:translateY(-7px)}}
.stats{background:var(--navy);color:#fff}
.sgrid{display:grid;grid-template-columns:repeat(4,1fr);gap:16px;padding:26px 0;text-align:center}
.sgrid b{display:block;font-size:1.9rem;color:var(--yellow)}
.sgrid span{font-size:.88rem;color:#c8d3e6}
.phero{background:linear-gradient(135deg,#FFD84A,#FFA400 55%,#F26A21);padding:64px 0 54px}
.phero h1{color:#1b1206;max-width:820px}
.phero p{color:#3a2a10;font-size:1.15rem;max-width:680px;margin-top:12px}
.phero .eyebrow{color:#7a2d05}
/* sections */
.sec{padding:76px 0}
.sec.alt{background:var(--cream)}
.sec.dark{background:linear-gradient(160deg,var(--navy),#12345f);color:#fff}
.sec.dark h2,.sec.dark h3{color:#fff}.sec.dark p{color:#c8d3e6}.sec.dark .eyebrow{color:var(--yellow)}
.sec.dark .card.light h3{color:var(--navy)}.sec.dark .card.light p{color:var(--muted)}
.shead{max-width:720px;margin-bottom:38px}.shead.center{margin-inline:auto;text-align:center}
.split{display:grid;grid-template-columns:1fr 1fr;gap:44px;align-items:center}
.split.top{align-items:start}
.split.rev>:first-child{order:0}
.grid{display:grid;gap:22px}
.g2{grid-template-columns:repeat(2,1fr)}.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;box-shadow:var(--sh);transition:.3s;display:block;color:inherit}
a.card:hover{transform:translateY(-5px);border-color:var(--orange);text-decoration:none}
.card.light{background:#fff}
.iconb{width:54px;height:54px;border-radius:16px;background:linear-gradient(135deg,var(--yellow),var(--orange));color:#1b1206;display:inline-flex;align-items:center;justify-content:center;margin-bottom:14px}
.iconb.sm{width:42px;height:42px;border-radius:12px;margin:0;flex:none}
.more{display:inline-flex;align-items:center;gap:6px;font-weight:700;color:var(--deep);font-size:.92rem}
.pill{background:var(--sand);color:var(--deep);font-size:.74rem;font-weight:800;padding:4px 12px;border-radius:999px;letter-spacing:.06em;text-transform:uppercase}
.vtop{display:flex;justify-content:space-between;align-items:flex-start}
.tagl{color:var(--orange);font-weight:700;margin-bottom:8px}
.ticks{list-style:none;margin:12px 0}
.ticks li{display:flex;gap:8px;align-items:flex-start;padding:3px 0;color:var(--muted)}
.ticks .ic{color:var(--orange);margin-top:4px}
.vlinks{display:flex;gap:16px;align-items:center;margin-top:16px;flex-wrap:wrap}
.qgrid{grid-template-columns:repeat(2,1fr);gap:14px}
.qcard{display:flex;align-items:center;gap:14px;background:#fff;border:1px solid var(--line);border-radius:16px;padding:14px 18px;font-weight:700;color:var(--navy);transition:.25s}
.qcard span:nth-child(2){flex:1}
.qcard:hover{border-color:var(--orange);transform:translateX(4px);text-decoration:none;box-shadow:var(--sh)}
.qcard>.ic{color:var(--orange)}
.pillar .more{margin-top:8px}
.tchips{display:flex;flex-wrap:wrap;gap:8px;margin:12px 0}
.tchip{border:1px solid rgba(255,196,0,.55);background:rgba(255,196,0,.12);padding:6px 14px;border-radius:999px;font-size:.88rem;font-weight:600;color:inherit}
.card .tchip{color:var(--deep);border-color:var(--line);background:var(--cream)}
.sec.dark .tchip{color:#fff}
.band{background:linear-gradient(135deg,var(--yellow),var(--orange));padding:56px 0;text-align:center}
.band h2{color:#1b1206}.band p{color:#3a2a10}
.filters{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:28px}
.fbtn{border:2px solid var(--line);background:#fff;padding:9px 20px;border-radius:999px;font-weight:700;font-family:inherit;cursor:pointer;color:var(--navy)}
.fbtn.on,.fbtn:hover{background:linear-gradient(135deg,var(--yellow),var(--orange));border-color:transparent}
.flowi{text-align:center}.flowi .iconb{margin-inline:auto}
.step{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:24px;box-shadow:var(--sh)}
.num{width:38px;height:38px;border-radius:50%;background:var(--navy);color:var(--yellow);display:inline-flex;align-items:center;justify-content:center;font-weight:800;margin-bottom:10px}
.plain{list-style:none}.plain li{padding:5px 0}
/* forms */
.formwrap{background:#fff;border:1px solid var(--line);border-radius:22px;padding:30px;box-shadow:var(--sh);max-width:820px;margin-inline:auto}
.split .formwrap{margin:0}
.row{display:grid;grid-template-columns:1fr 1fr;gap:16px}
.field{display:flex;flex-direction:column;margin-bottom:14px}
label{font-weight:700;font-size:.88rem;margin-bottom:6px;color:var(--navy)}
input,select,textarea{font:inherit;border:1.5px solid #e4d5ab;border-radius:12px;padding:12px 14px;background:#fffdf6;color:var(--ink);width:100%}
textarea{min-height:120px;resize:vertical}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--orange);box-shadow:0 0 0 3px rgba(242,106,33,.2)}
.field.bad input,.field.bad select,.field.bad textarea{border-color:#d62828}
.field .e{display:none;color:#d62828;font-size:.8rem;margin-top:4px}.field.bad .e{display:block}
.fnote2{margin-top:10px}
/* footer */
.site-footer{background:#0a1d33;color:#c8d3e6;padding:56px 0 0}
.fgrid{display:grid;grid-template-columns:1.5fr 1fr 1.2fr;gap:36px}
.site-footer h4{color:var(--yellow);margin-bottom:12px}
.site-footer ul{list-style:none;display:grid;gap:7px}
.site-footer a{color:#e6ecf7}
.site-footer p{color:#b5c3da}
.fnote{margin-top:14px;font-size:.92rem}
.fi{color:var(--yellow);vertical-align:-3px;display:inline-block;margin-right:4px}
.copy{border-top:1px solid rgba(255,255,255,.12);margin-top:36px;padding:18px 0;text-align:center;font-size:.85rem;color:#8ea0bd}
/* reveal */
.reveal{opacity:0;transform:translateY(18px);transition:opacity .6s,transform .6s}
.reveal.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){*{animation:none!important;transition:none!important}.reveal{opacity:1;transform:none}html{scroll-behavior:auto}}
@media (max-width:1060px){.menu-btn{display:block}
 nav{position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);display:none;padding:12px 4%}
 nav.open{display:block}nav ul{flex-direction:column;align-items:flex-start;gap:2px}nav a.btn{margin:8px 0 0}
 .g4{grid-template-columns:repeat(2,1fr)}.hgrid,.split{grid-template-columns:1fr}.sgrid{grid-template-columns:repeat(2,1fr)}
 .fgrid{grid-template-columns:1fr 1fr}}
@media (max-width:640px){body{font-size:16px}.sec{padding:54px 0}.g2,.g3,.g4,.qgrid,.row{grid-template-columns:1fr}.hero{padding:56px 0 48px}.formwrap{padding:20px 16px}
 .fgrid{grid-template-columns:1fr 1fr;gap:28px 20px}.fgrid>div:first-child{grid-column:1 / -1}}