:root{--navy:#092a4e;--orange:#f4511e;--blue:#0088d1;--paper:#fcfaf6;--muted:#536477;--line:#e8e2d9}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--navy);font-family:Arial,Helvetica,sans-serif;line-height:1.58}a{color:inherit;text-decoration:none}a:hover{color:var(--orange)}.wrap{max-width:1200px;margin:auto;padding:0 34px}.header{background:rgba(252,250,246,.97);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:20}.nav{min-height:105px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand img{width:195px;display:block;mix-blend-mode:multiply}.links{display:flex;gap:22px;align-items:center;flex-wrap:wrap;font-size:13px;font-weight:600}.links a[aria-current=page]{color:var(--orange)}.cta{display:inline-flex;align-items:center;gap:16px;padding:13px 22px;background:var(--orange);color:white!important;border-radius:28px;font-weight:700;font-size:14px}.cta:hover{background:#ce3e10}.menu{display:none;background:none;border:1px solid var(--line);padding:8px 12px;font-size:20px}.hero{display:grid;grid-template-columns:1.08fr .92fr;min-height:560px;align-items:center;gap:36px}.eyebrow{font-size:11px;letter-spacing:.29em;text-transform:uppercase;font-weight:700;display:flex;align-items:center;gap:13px}.eyebrow:before{content:'';width:25px;height:3px;background:var(--orange)}h1,h2,h3,p{margin-top:0}h1{font-size:clamp(46px,5.6vw,78px);line-height:1.03;letter-spacing:-.055em;margin:24px 0}h1 span,.accent{color:var(--orange)}h2{font-size:clamp(31px,3.6vw,49px);line-height:1.13;letter-spacing:-.045em}h3{font-size:22px;line-height:1.25}.lead{font-size:20px;line-height:1.5;max-width:620px}.muted{color:var(--muted)}.buttons{display:flex;gap:14px;flex-wrap:wrap;margin-top:28px}.outline{border:1px solid var(--orange);color:var(--orange);background:transparent;padding:12px 20px;border-radius:28px;font-size:14px;font-weight:700}.outline:hover{background:#fff0e8}.art{height:450px;position:relative;overflow:hidden;background:#e5edf0;isolation:isolate}.art:before{content:'';position:absolute;inset:-12% -10% -5% 13%;border-radius:48% 48% 0 0;background:linear-gradient(132deg,#0d4778 0 30%,#008bcf 30% 43%,#f7dfbd 43% 59%,#f05a22 59% 72%,#f9dcae 72%);transform:rotate(-8deg)}.art:after{content:'';position:absolute;width:50%;height:76%;left:29%;bottom:-14%;border-radius:49% 49% 0 0;background:linear-gradient(145deg,#fcf6e7 0 44%,#e9b979 45% 49%,#fff6e7 50% 100%);box-shadow:0 0 0 25px rgba(5,53,92,.25)}.sun{position:absolute;width:98px;height:98px;border-radius:50%;background:#f4511e;right:15%;top:22%;z-index:2}.art small{position:absolute;right:6%;bottom:7%;font-size:11px;letter-spacing:.18em;z-index:3;color:#103453;font-weight:700}.art.alt{background:#efe4d5}.art.alt:before{transform:rotate(11deg);background:linear-gradient(120deg,#f5e3c7 0 30%,#0a365c 30% 48%,#ee6a33 48% 64%,#a6cee0 64%)}.art.alt:after{left:17%;width:58%;background:linear-gradient(130deg,#fff9ec 0 60%,#d4e9ec 60%)}.art.soft{background:#e9f1f0}.art.soft:before{background:linear-gradient(130deg,#d7e9ef 0 36%,#0b4976 36% 49%,#f1c18e 49% 72%,#ff6b32 72%)}.section{padding:100px 0;border-top:1px solid var(--line)}.section.tight{padding:65px 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:65px;align-items:center}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{padding:30px 28px;border:1px solid var(--line);background:#fff;min-height:210px}.card .n{color:var(--orange);font-size:12px;font-weight:700;letter-spacing:.16em;margin-bottom:25px}.card p{color:var(--muted)}.cols2{display:grid;grid-template-columns:1fr 1fr;gap:28px}.panel{padding:48px;background:#f0f4f3}.panel:nth-child(2){background:#f8ece2}.panel p{max-width:430px}.textlink{font-weight:700;border-bottom:2px solid var(--orange);padding-bottom:6px;display:inline-block;margin-top:18px}.statement{font-size:clamp(28px,3.3vw,44px);line-height:1.32;letter-spacing:-.035em;max-width:930px}.steps{display:grid;grid-template-columns:repeat(4,1fr);gap:22px;margin-top:45px}.step{border-top:2px solid var(--orange);padding-top:22px}.step strong{font-size:13px;color:var(--orange)}.step h3{margin:16px 0 8px}.foot{background:var(--navy);color:white;padding:65px 0 30px}.footgrid{display:grid;grid-template-columns:2fr 1fr;gap:30px}.foot a{color:white}.foot img{width:170px;background:#fff;padding:6px}.footnav{display:grid;gap:10px;font-size:14px}.smallprint{font-size:12px;color:#b5c6d8;border-top:1px solid #3b536d;margin-top:45px;padding-top:20px}.notice{border-left:3px solid var(--orange);padding:12px 20px;background:#fff4ec;color:#6a4b3c;font-size:14px}.contactbox{padding:34px;border:1px solid var(--line);background:white}.contactbox a{color:var(--orange);text-decoration:underline}.spacer{height:25px}@media(max-width:920px){.nav{min-height:83px}.brand img{width:160px}.menu{display:block}.links{display:none;position:absolute;top:83px;left:0;right:0;padding:20px 34px;background:var(--paper);border-bottom:1px solid var(--line);flex-direction:column;align-items:flex-start}.links.open{display:flex}.hero{grid-template-columns:1fr;padding-top:45px;padding-bottom:55px;gap:28px}.art{height:350px}.split,.cols2{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.steps{grid-template-columns:1fr 1fr}}@media(max-width:600px){.wrap{padding:0 22px}.section{padding:65px 0}.hero{min-height:auto}.art{height:280px}h1{font-size:49px}.lead{font-size:18px}.cards,.steps,.footgrid{grid-template-columns:1fr}.panel{padding:30px}.card{min-height:0}}