:root{--ink:#0e2238;--deep:#0a1a2b;--teal:#12857c;--paper:#f6f8f9;--line:#d8e0e6;--mut:#53667a}
*{box-sizing:border-box}body{margin:0;font:17px/1.6 "IBM Plex Sans",system-ui,sans-serif;color:var(--ink);background:var(--paper)}
h1,h2,h3{font-family:"IBM Plex Sans",system-ui,sans-serif;line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5vw,3.6rem)}h2{font-size:clamp(1.5rem,3vw,2.1rem)}a{color:var(--teal)}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
header{background:var(--deep)}header .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;flex-wrap:wrap;padding-top:14px;padding-bottom:14px}
.logo{color:#fff;text-decoration:none;font:600 1.5rem "IBM Plex Sans",system-ui,sans-serif}.logo small{display:block;font:400 .7rem "IBM Plex Sans",system-ui,sans-serif;opacity:.7}
nav a{color:#dbe6ee;text-decoration:none;margin-right:18px}nav a:last-child{margin:0}nav a:hover{color:#fff;text-decoration:underline}
.hero{background:var(--ink);color:#fff;padding:76px 0}.hero p{max-width:56ch;color:#c9d6e0;font-size:1.1rem}
.btn{display:inline-block;background:var(--teal);color:#fff;padding:13px 24px;border-radius:6px;text-decoration:none;font:600 1rem "IBM Plex Sans",system-ui,sans-serif;border:0;cursor:pointer;margin:6px 10px 6px 0}
.btn.alt{background:transparent;border:1.5px solid #8fb3c9}
section{padding:56px 0}.two{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}
.box{background:#fff;border:1px solid var(--line);border-radius:8px;padding:28px}.box.narrow{max-width:620px;margin:0 auto}
label{display:block;font-weight:600;margin:16px 0 4px}.opts label{display:inline-block;font-weight:400;margin-right:18px}
input,select,textarea{width:100%;padding:12px;border:1px solid #b9c6d1;border-radius:6px;font:inherit;background:#fff}
input[type=radio],input[type=checkbox]{width:auto}legend{font:600 1.3rem "IBM Plex Sans",system-ui,sans-serif;padding:0;margin-bottom:6px}
fieldset{border:0;padding:0;margin:0}.js .step{display:none}.js .step.on{display:block}
.prog{height:6px;background:var(--line);border-radius:3px}.prog i{display:block;height:100%;width:0;background:var(--teal);border-radius:3px;transition:width .3s}
.note{font-size:.85rem;color:var(--mut)}
:focus-visible{outline:3px solid #f2b84b;outline-offset:2px}
footer{background:var(--deep);color:#b8c8d6;padding:36px 0;font-size:.95rem}footer a{color:#fff}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
article{max-width:68ch;margin:0 auto}
@media(prefers-reduced-motion:reduce){*{transition:none!important}}

.fx{background:#06121f;color:#cfe3ef;font-size:.85rem;overflow:hidden;white-space:nowrap;display:flex}.fxl{flex:none;padding:7px 14px;background:var(--teal);color:#fff;z-index:1}
.fxt{flex:none;display:inline-flex;gap:30px;padding:7px 0 7px 30px;animation:fx 45s linear infinite}.fx:hover .fxt{animation-play-state:paused}.fxt b{color:#fff}@keyframes fx{to{transform:translateX(-50%)}}
@media(prefers-reduced-motion:reduce){.fxt{animation:none}.fx{overflow-x:auto}}
details.box{margin-bottom:10px;padding:16px 22px}summary{cursor:pointer;font-weight:600}.band{padding:48px 0}ul.tick{padding-left:1.1em}output{display:block;margin-top:14px;font-weight:600}

.logo{display:flex;align-items:center;gap:10px}.hg{display:grid;gap:32px;align-items:center;grid-template-columns:1.3fr 1fr}.hv{width:100%;max-width:360px;justify-self:center}
.stats{background:var(--deep);color:#cfe3ef;font-size:.9rem}.stats .wrap{display:flex;flex-wrap:wrap;gap:8px 32px;justify-content:space-between;padding-top:14px;padding-bottom:14px}
.fcols{display:grid;gap:28px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr))}footer p{margin:.4em 0}.box h3 a{text-decoration:none}
@media(max-width:720px){.hg{grid-template-columns:1fr}.hv{max-width:240px}}

:root{--tint:#eaf0f3;--card:#fff}
html{scroll-behavior:smooth}body{font-size:17px}h1{font-size:clamp(2.4rem,6vw,4.2rem);letter-spacing:-.02em}h2{font-size:clamp(1.7rem,3.4vw,2.5rem);letter-spacing:-.01em}
section{padding:84px 0}section.tint{background:var(--tint)}section.band{padding:56px 0}
header{position:sticky;top:0;z-index:20;box-shadow:0 2px 14px rgba(0,0,0,.2)}nav{display:flex;align-items:center;flex-wrap:wrap;gap:4px 22px}nav a{margin:0}
.dd{position:relative}.ddm{display:none;position:absolute;top:100%;left:-14px;min-width:230px;background:var(--card);border-radius:10px;box-shadow:0 14px 40px rgba(0,0,0,.25);padding:8px;z-index:30}
.dd:hover .ddm,.dd:focus-within .ddm{display:block}.ddm a{display:block;color:var(--tx,#0e2238);padding:9px 12px;border-radius:6px}.ddm a:hover{background:var(--tint);color:var(--teal);text-decoration:none}.btn.sm{padding:8px 16px;margin:0;color:#fff}
.hero{background:linear-gradient(rgba(10,26,43,.0),rgba(10,26,43,.0)),repeating-linear-gradient(0deg,transparent 0 47px,rgba(255,255,255,.04) 47px 48px),repeating-linear-gradient(90deg,transparent 0 47px,rgba(255,255,255,.04) 47px 48px),var(--ink);padding:96px 0}
.hg{grid-template-columns:1.2fr 1fr;gap:48px}.qs{background:var(--card);color:var(--tx,#0e2238);border-radius:16px;padding:30px;box-shadow:0 24px 60px rgba(0,0,0,.35)}.qs h2{font-size:1.5rem}.qs .btn{width:100%;text-align:center;margin:10px 0 0}.qs .btn.alt{color:var(--teal);border-color:var(--teal)}
ul.chk{list-style:none;padding:0;margin:24px 0 0}ul.chk li{padding:5px 0 5px 28px;position:relative}ul.chk li:before{content:"";position:absolute;left:0;top:11px;width:14px;height:8px;border-left:3px solid #4fd1c5;border-bottom:3px solid #4fd1c5;transform:rotate(-45deg)}ul.chk.dk li:before{border-color:var(--teal)}
.trust{background:var(--tint)}.trust .wrap{display:flex;flex-wrap:wrap;gap:12px;justify-content:space-between;padding-top:22px;padding-bottom:22px}
.phx{border:2px dashed #9db0bf;border-radius:8px;padding:8px 14px;color:#5b6f81;font-size:.9rem;display:inline-block;margin:0}
.ph{background:repeating-linear-gradient(45deg,var(--tint),var(--tint) 14px,#dde6ec 14px,#dde6ec 28px);border:2px dashed #9db0bf;border-radius:16px;min-height:340px;display:grid;place-items:center;color:#4a6073;text-align:center;padding:20px}.ph.sm{min-height:150px;margin-bottom:14px;border-radius:10px}
.g4{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(230px,1fr))}.box{background:var(--card);border-radius:14px;box-shadow:0 1px 3px rgba(14,34,56,.08)}
a.svc{text-decoration:none;color:inherit;transition:transform .2s,box-shadow .2s}a.svc:hover{transform:translateY(-4px);box-shadow:0 14px 30px rgba(14,34,56,.15)}a.svc h3{margin-bottom:.3em}a.svc p{margin:0;color:var(--mut)}
.ic{width:46px;height:46px;border-radius:12px;background:#d9f0ec;color:#0c6b63;display:grid;place-items:center;margin-bottom:16px}.ic svg{width:24px;height:24px;fill:none;stroke:currentColor;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.split{display:grid;gap:56px;align-items:center;grid-template-columns:1fr 1fr}.stat4{display:grid;gap:24px;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));text-align:center}.stat4 b{display:block;font:600 2.2rem "IBM Plex Sans",system-ui,sans-serif;margin-bottom:8px}.stat4 span{display:block;color:var(--mut)}
ol.steps{list-style:none;padding:0;margin:28px 0 0;display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));counter-reset:s}ol.steps li{counter-increment:s;border-top:3px solid var(--teal);padding-top:16px}ol.steps li:before{content:counter(s);font:600 2rem "IBM Plex Sans",system-ui,sans-serif;color:var(--teal)}
.fcols{gap:36px}
@media(max-width:820px){.hg,.split{grid-template-columns:1fr}.ddm{display:none!important}section{padding:56px 0}.hero{padding:56px 0}}

.btn{border-radius:999px;padding:14px 30px;box-shadow:0 6px 18px rgba(18,133,124,.35);transition:transform .2s,box-shadow .2s,background .2s;display:inline-flex;align-items:center;gap:10px;justify-content:center}
.btn:hover{transform:translateY(-2px);box-shadow:0 12px 28px rgba(18,133,124,.5);background:#0f9c91}.btn:active{transform:none}
.btn.alt{background:rgba(255,255,255,.08);border:1.5px solid rgba(255,255,255,.4);box-shadow:none;backdrop-filter:blur(6px);color:#fff}.btn.alt:hover{background:rgba(255,255,255,.18);box-shadow:none}
.btn.lg{padding:17px 36px;font-size:1.05rem}.btn .ar{width:18px;height:18px;fill:none;stroke:currentColor;stroke-width:2;stroke-linecap:round;stroke-linejoin:round;transition:transform .2s}.btn:hover .ar{transform:translateX(4px)}
.hero2{position:relative;overflow:hidden;background:radial-gradient(640px 420px at 88% 8%,rgba(18,133,124,.5),transparent 70%),radial-gradient(520px 360px at 0% 100%,rgba(242,184,75,.14),transparent 70%),repeating-linear-gradient(0deg,transparent 0 47px,rgba(255,255,255,.04) 47px 48px),repeating-linear-gradient(90deg,transparent 0 47px,rgba(255,255,255,.04) 47px 48px),var(--ink);padding:110px 0 120px}
.hero2 h1{font-size:clamp(2.6rem,6.4vw,4.6rem);max-width:12ch}.hc p{font-size:1.15rem;max-width:50ch}.cta{margin:30px 0 8px;display:flex;flex-wrap:wrap;gap:14px}.cta .btn{margin:0}
.pill{display:inline-flex;align-items:center;gap:10px;padding:7px 16px;border-radius:999px;background:rgba(255,255,255,.09);border:1px solid rgba(255,255,255,.2);font-size:.88rem;color:#dbe9f1;margin-bottom:26px}.pill i{width:8px;height:8px;border-radius:50%;background:#4fd1c5;box-shadow:0 0 0 4px rgba(79,209,197,.25)}
.hr{position:relative}.chip{position:absolute;background:var(--card);color:#0e2238;border-radius:999px;padding:9px 18px;font-size:.88rem;font-weight:600;box-shadow:0 12px 30px rgba(0,0,0,.3)}.c1{top:-18px;right:-10px}.c2{bottom:-18px;left:-14px}
.hc>*{animation:rise .7s both}.hc>*:nth-child(2){animation-delay:.08s}.hc>*:nth-child(3){animation-delay:.16s}.hc>*:nth-child(4){animation-delay:.24s}.hc>*:nth-child(5){animation-delay:.32s}
@keyframes rise{from{opacity:0;transform:translateY(16px)}to{opacity:1;transform:none}}
@media(max-width:820px){.hero2{padding:64px 0 76px}.c1,.c2{display:none}}@media(prefers-reduced-motion:reduce){.hc>*{animation:none}.btn,.btn .ar{transition:none}}

.menu-btn{display:none;width:44px;height:44px;border:0;border-radius:10px;background:rgba(255,255,255,.1);cursor:pointer;position:relative;padding:0}
.menu-btn span{position:absolute;left:11px;right:11px;height:2px;border-radius:2px;background:#fff;transition:transform .25s,opacity .2s}
.menu-btn span:nth-child(1){top:14px}.menu-btn span:nth-child(2){top:21px}.menu-btn span:nth-child(3){top:28px}
.menu-btn.open span:nth-child(1){transform:translateY(7px) rotate(45deg)}.menu-btn.open span:nth-child(2){opacity:0}.menu-btn.open span:nth-child(3){transform:translateY(-7px) rotate(-45deg)}
@media(max-width:820px){.menu-btn{display:block}header .wrap{flex-wrap:wrap}nav{display:none;width:100%;flex-direction:column;align-items:stretch;gap:0;padding:8px 0 14px;border-top:1px solid rgba(255,255,255,.15)}nav.open{display:flex}
nav>a,.dd>a{display:block;padding:12px 4px;font-size:1.05rem}.ddm{display:block!important;position:static;min-width:0;background:transparent;box-shadow:none;padding:0 0 4px 14px}.ddm a{color:#9fb8cb;padding:7px 4px;font-size:.95rem}.ddm a:hover{background:transparent;color:#fff}
nav .btn.sm{margin-top:12px;padding:14px 20px}}
@media(prefers-reduced-motion:reduce){.menu-btn span{transition:none}}
.art{width:100%;max-width:440px;height:auto;justify-self:center;border-radius:20px;box-shadow:0 18px 40px rgba(0,0,0,.2)}.art.fill{max-width:none;box-shadow:0 12px 30px rgba(14,34,56,.15)}.art.wide{max-width:100%;margin:8px 0 24px}@media(max-width:820px){.hero .art{max-width:300px}}

body,button,input,select,textarea{font-family:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Arial,sans-serif}h1,h2,h3,.logo,legend{font-weight:700;letter-spacing:-.02em}h1{letter-spacing:-.035em}.stat4 b,ol.steps li:before{font-weight:700}

:root{--gold:#d4af37;--gold-l:#f0dc8f;--gold-d:#9a7712}
.btn{background:linear-gradient(135deg,#ecd06f,#d4af37 55%,#b8921f);color:#0a1a2b;box-shadow:0 6px 18px rgba(212,175,55,.35)}
.btn:hover{background:linear-gradient(135deg,#f3dc86,#e0bb44 55%,#c9a227);box-shadow:0 12px 28px rgba(212,175,55,.5)}
.btn.alt{background:rgba(255,255,255,.08);color:#fff;border:1.5px solid rgba(255,255,255,.4);box-shadow:none}.btn.alt:hover{background:rgba(255,255,255,.18);box-shadow:none}
.btn.sm{color:#0a1a2b}.qs .btn.alt{background:transparent;color:var(--gold-d);border-color:var(--gold)}.qs .btn.alt:hover{background:rgba(212,175,55,.12)}
.fxl{background:var(--gold);color:#0a1a2b;font-weight:600}.pill i{background:var(--gold);box-shadow:0 0 0 4px rgba(212,175,55,.28)}
.hero2:after{content:"";position:absolute;right:-140px;bottom:-180px;width:560px;height:560px;border-radius:50%;background:radial-gradient(circle,rgba(212,175,55,.24),transparent 70%);pointer-events:none}.hero2 .wrap{position:relative;z-index:1}
ul.chk li:before{border-color:var(--gold)}ul.chk.dk li:before{border-color:var(--gold-d)}
.ic{background:#f7efcf;color:#8a6a10}ol.steps li{border-top-color:var(--gold)}ol.steps li:before{color:var(--gold-d)}
nav>a:hover,.dd>a:hover{color:var(--gold-l)}.ddm a:hover{color:var(--gold-d)}footer strong{color:var(--gold-l)}footer a:hover{color:var(--gold-l)}
.phx{border-color:var(--gold);color:#7c6310}.prog i{background:var(--gold)}:focus-visible{outline-color:var(--gold)}

header{background:#fff;box-shadow:0 2px 16px rgba(14,34,56,.12)}header .wrap{padding-top:10px;padding-bottom:10px}
.logo{color:#0e2238;gap:12px}.logo small{color:#53667a;opacity:1}.logo img{display:block;width:auto;height:46px}
nav a{color:#0e2238;font-weight:500}nav a:hover,nav>a:hover,.dd>a:hover{color:#9a7712;text-decoration:none}.nav .btn.sm,nav a.btn.sm,nav a.btn.sm:hover{color:#0a1a2b}
.menu-btn{background:rgba(14,34,56,.08)}.menu-btn span{background:#0e2238}
.hero2{background:linear-gradient(90deg,rgba(10,26,43,.95) 0%,rgba(10,26,43,.8) 50%,rgba(10,26,43,.5) 100%),url(/images/home-hero.jpg) center/cover no-repeat,#0e2238}
.flogo{display:inline-block;background:#fff;border-radius:12px;padding:10px;margin-bottom:12px}.flogo img{display:block;height:84px;width:auto}.role{font-weight:600;color:var(--gold-d);margin:0 0 .6em}
@media(max-width:820px){nav{border-top-color:rgba(14,34,56,.12)}.ddm a{color:#53667a}.ddm a:hover{color:#9a7712;background:transparent}}

.ck{position:fixed;left:16px;right:16px;bottom:calc(16px + env(safe-area-inset-bottom,0px));max-width:760px;margin:0 auto;background:#0e2238;color:#e6edf3;border-radius:14px;padding:16px 20px;display:flex;flex-wrap:wrap;gap:12px 20px;align-items:center;justify-content:space-between;box-shadow:0 16px 48px rgba(0,0,0,.4);z-index:60;font-size:.92rem}.ck[hidden]{display:none}.ck p{margin:0;flex:1 1 320px}.ck a{color:#f0dc8f}.ck .btn.sm{margin:0 4px 0 0}
.linkbtn{background:none;border:0;padding:0;font:inherit;color:inherit;text-decoration:underline;cursor:pointer}footer .linkbtn{color:#fff}

.wa{position:fixed;right:calc(18px + env(safe-area-inset-right,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:70;display:flex;align-items:center;gap:10px;height:60px;padding:0 22px 0 14px;border-radius:999px;background:#25d366;color:#053b2a;font-weight:700;text-decoration:none;box-shadow:0 10px 28px rgba(0,0,0,.35);transition:transform .2s,box-shadow .2s,background .2s}
.wa:hover{transform:translateY(-3px);background:#3be07b;box-shadow:0 14px 34px rgba(37,211,102,.55)}.wa svg{width:34px;height:34px;flex:none;fill:none;stroke:#053b2a;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.wa:after{content:"";position:absolute;inset:0;border-radius:inherit;animation:wap 2.4s infinite}@keyframes wap{0%{box-shadow:0 0 0 0 rgba(37,211,102,.6)}70%,100%{box-shadow:0 0 0 16px rgba(37,211,102,0)}}
@media(max-width:820px){.wa{width:62px;height:62px;padding:0;justify-content:center}.wa span{display:none}}
@media(max-width:900px){.ck:not([hidden])~.wa{bottom:calc(200px + env(safe-area-inset-bottom,0px))}}
@media(prefers-reduced-motion:reduce){.wa:after{animation:none}.wa{transition:none}}

.top{position:fixed;left:calc(18px + env(safe-area-inset-left,0px));bottom:calc(18px + env(safe-area-inset-bottom,0px));z-index:70;width:56px;height:56px;border-radius:50%;border:2px solid #d4af37;background:#0e2238;color:#d4af37;display:grid;place-items:center;padding:0;cursor:pointer;box-shadow:0 10px 28px rgba(0,0,0,.35);opacity:0;visibility:hidden;transform:translateY(12px);transition:opacity .25s,transform .25s,visibility .25s,background .2s,color .2s}
.top.show{opacity:1;visibility:visible;transform:none}.top:hover{background:#d4af37;color:#0a1a2b}.top svg{width:26px;height:26px;fill:none;stroke:currentColor;stroke-width:2.4;stroke-linecap:round;stroke-linejoin:round}
@media(max-width:820px){.top{width:52px;height:52px}}@media(max-width:900px){.ck:not([hidden])~.top{bottom:calc(200px + env(safe-area-inset-bottom,0px))}}
@media(prefers-reduced-motion:reduce){.top{transition:none}}

.pwa{position:fixed;inset:0;z-index:90;background:rgba(10,26,43,.7);display:grid;place-items:center;padding:20px;animation:pwaf .3s both}.pwa-c{background:#fff;color:#0e2238;border-radius:20px;padding:30px 26px;max-width:400px;width:100%;text-align:center;box-shadow:0 30px 80px rgba(0,0,0,.5)}
.pwa-c img{border-radius:16px;box-shadow:0 6px 18px rgba(14,34,56,.2)}.pwa-c h2{font-size:1.5rem;margin:18px 0 8px}.pwa-c p{color:#53667a;margin:0 0 22px}.pwa-c .btn{display:flex;width:100%;margin:8px 0 0}.pwa-c .btn.alt{background:transparent;color:#0e2238;border-color:#9db0bf}.pwa-c .btn.alt:hover{background:#eef2f5}
@keyframes pwaf{from{opacity:0}to{opacity:1}}@media(prefers-reduced-motion:reduce){.pwa{animation:none}}

.fxw{flex:1;overflow:hidden;min-width:0}.cs{flex:none;display:flex;align-items:center;gap:6px;padding:4px 10px;background:#06121f;color:#cfe3ef;font-size:.8rem;z-index:1}.cs select{width:auto;padding:3px 6px;font-size:.8rem;border-radius:6px;background:#0e2238;color:#fff;border:1px solid #2b4560}
.mk b{display:block;font-size:1.5rem;margin-top:6px}.conv{font-size:.7em;font-weight:400;color:var(--mut)}.bar{height:10px;background:var(--gold);border-radius:5px;overflow:hidden;margin-top:18px}.bar i{display:block;height:100%;width:0;background:var(--teal)}
.docs{margin-top:16px;border:1.5px dashed var(--line);border-radius:10px;padding:12px 16px}.docs summary{cursor:pointer;font-weight:600}

.opt{display:block;width:100%;text-align:left;padding:15px 18px;border:1.5px solid var(--line);border-radius:12px;background:var(--card);color:var(--tx);font:inherit;cursor:pointer;margin:10px 0;transition:border-color .2s,transform .2s}.opt:hover{border-color:var(--gold);transform:translateY(-1px)}
dl.gl dt{font-weight:700;margin-top:22px;font-size:1.1rem}dl.gl dd{margin:6px 0 0}



.yrs{display:inline-flex;align-items:baseline;gap:14px;margin:0 0 20px;padding:14px 22px;border-left:4px solid var(--gold);background:var(--tint);border-radius:0 12px 12px 0}.yrs b{font-size:2.8rem;font-weight:700;line-height:1}.yrs span{font-weight:600;color:var(--mut)}

.notice{border-left:4px solid var(--gold);padding:12px 16px;background:var(--tint);border-radius:0 10px 10px 0;margin:12px 0 18px;font-size:.95rem}

.cred{font-size:.92rem;color:var(--mut)}.team .box h3{margin-bottom:.2em}