*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;background:#fff;color:#2B2B33;font-family:'IBM Plex Sans',system-ui,-apple-system,sans-serif;
     font-size:16px;line-height:1.5;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto;display:block}
a{color:#1E2761;text-decoration:none}
a:hover{color:#8a6a1f}
a:focus-visible,button:focus-visible{outline:3px solid #C89B3C;outline-offset:3px}
.wrap{max-width:1248px;margin:0 auto;padding:0 32px}
h1,h2,h3{font-family:'Source Serif 4',Georgia,serif;font-weight:600;color:#1E2761;margin:0}
p{margin:0}
.eyebrow{font-family:'IBM Plex Sans',sans-serif;font-size:13px;letter-spacing:2.4px;font-weight:600;color:#8a6a1f}
.hero .eyebrow{color:#C89B3C}
.btn{display:inline-block;font-size:16px;font-weight:500;padding:14px 28px;border-radius:4px;border:1px solid transparent}
.btn-navy{background:#1E2761;color:#fff}
.btn-navy:hover{background:#2c3878;color:#fff}
.btn-gold{background:#C89B3C;color:#1E2761}
.btn-gold:hover{background:#d8ab4c;color:#1E2761}
.btn-ghost{color:#fff;border-color:rgba(202,220,252,.45)}
.btn-ghost:hover{color:#fff;border-color:#CADCFC;background:rgba(255,255,255,.06)}

/* header */
.site-head{border-bottom:1px solid #E6EBF5;position:sticky;top:0;background:#fff;z-index:20}
.site-head .wrap{display:flex;align-items:center;justify-content:space-between;min-height:96px;gap:24px}
.site-head img{height:56px;width:auto;display:block}
.nav{display:flex;align-items:center;gap:32px}
.nav a{font-size:15px;color:#2B2B33}
.nav a.on{color:#1E2761;font-weight:600}
.nav a.btn-navy{color:#fff}
.nav a.btn-navy:hover{color:#fff}
.navtoggle{display:none;background:none;border:1px solid #E6EBF5;border-radius:4px;padding:10px 14px;
           font:inherit;font-size:15px;color:#1E2761;cursor:pointer;min-height:44px}

/* sections */
section{padding:88px 0}
.hero{background:#1E2761;color:#fff;padding:112px 0 104px}
.hero h1{color:#fff;font-size:clamp(34px,4.6vw,60px);line-height:1.13;margin:22px 0 0}
.hero p.lead{font-size:clamp(17px,1.5vw,21px);line-height:1.6;color:#CADCFC;max-width:800px;margin:24px 0 0}
.hero .actions{display:flex;flex-wrap:wrap;gap:14px;margin-top:38px}
.tight{padding-top:0}
.band{background:#F5F8FD;border-top:1px solid #E6EBF5;border-bottom:1px solid #E6EBF5}
.navyband{background:#1E2761;color:#fff}
.navyband h2{color:#fff}

.split{display:grid;grid-template-columns:360px 1fr;gap:80px;align-items:start}
.split h2{font-size:clamp(26px,3vw,36px);line-height:1.2;margin-bottom:16px}
.split .sub{font-size:17px;line-height:1.65;color:#5b6472}
.stack{display:flex;flex-direction:column;gap:20px}
.stack p{font-size:clamp(16px,1.3vw,19px);line-height:1.7}

.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.card{background:#F5F8FD;border:1px solid #E6EBF5;border-radius:6px;padding:36px 32px;
      display:flex;flex-direction:column;gap:13px}
.card.plain{background:#fff}
.card h3{font-family:'IBM Plex Sans',sans-serif;font-size:20px;line-height:1.35}
.card p{font-size:16px;line-height:1.65}
.rule{width:34px;height:3px;background:#C89B3C}

.bullets{display:flex;flex-direction:column;gap:18px}
.bul{display:flex;gap:15px;align-items:flex-start}
.dot{width:7px;height:7px;border-radius:50%;background:#C89B3C;margin-top:10px;flex:0 0 auto}
.bul p{font-size:17px;line-height:1.65}
.bul strong{color:#1E2761;font-weight:600}

.steps{display:flex;flex-direction:column}
.step{display:flex;gap:22px;padding:22px 0;border-bottom:1px solid #E0E7F3}
.step:last-child{border-bottom:none}
.step .n{font-family:'Source Serif 4',Georgia,serif;font-size:22px;font-weight:600;color:#8a6a1f;flex:0 0 30px}
.step h3{font-family:'IBM Plex Sans',sans-serif;font-size:18px;margin-bottom:5px}
.step p{font-size:16px;line-height:1.6}

blockquote{margin:0;max-width:1020px;font-family:'Source Serif 4',Georgia,serif;
           font-size:clamp(21px,2.4vw,30px);line-height:1.45;color:#1E2761}
.cta{display:flex;justify-content:space-between;align-items:center;gap:40px;flex-wrap:wrap}
.cta h2{font-size:clamp(23px,2.5vw,30px);margin-bottom:11px}
.cta p{font-size:17px;line-height:1.6;color:#CADCFC;max-width:720px}
.cta.light p{color:#2B2B33}

.people{display:grid;grid-template-columns:repeat(2,1fr);gap:28px}
.person{border:1px solid #E6EBF5;border-radius:6px;padding:36px 34px;display:flex;flex-direction:column;gap:13px}
.person h3{font-size:26px}
.person .role{font-size:15px;font-weight:500;color:#8a6a1f}
.person p{font-size:16px;line-height:1.7}

/* footer */
footer{background:#141A45;color:#CADCFC;padding:56px 0 36px}
.foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap}
.foot-brand{display:flex;gap:15px;align-items:center}
.foot-brand img{height:38px;width:auto}
.foot-brand .nm{font-size:16px;font-weight:600;color:#fff}
.foot-brand .tag{font-size:14px;color:#8FA3CC;margin-top:3px}
.foot-cols{display:flex;gap:44px;flex-wrap:wrap}
.foot-col{display:flex;flex-direction:column;gap:9px}
footer a{font-size:14px;color:#CADCFC}
footer a:hover{color:#fff}
.foot-bot{border-top:1px solid rgba(202,220,252,.16);margin-top:30px;padding-top:20px;
          display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:13px;color:#8FA3CC}

@media (max-width:980px){
  .split{grid-template-columns:1fr;gap:28px}
  .cards{grid-template-columns:1fr}
  .people{grid-template-columns:1fr}
  section{padding:64px 0}
  .hero{padding:80px 0 72px}
}
@media (max-width:720px){
  .wrap{padding:0 20px}
  .navtoggle{display:block}
  .nav{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;
       border-bottom:1px solid #E6EBF5;flex-direction:column;align-items:stretch;gap:0;padding:8px 20px 18px}
  .nav.open{display:flex}
  .nav a{padding:14px 0;min-height:44px;display:flex;align-items:center;border-bottom:1px solid #F0F3F9}
  .nav a.btn{justify-content:center;margin-top:12px;border-bottom:none}
  .site-head .wrap{position:relative;min-height:72px}
  .site-head img{height:42px}
  .cta{flex-direction:column;align-items:flex-start}
}
@media print{
  .site-head,.navtoggle{position:static}
  .hero,.navyband,footer{background:#fff!important;color:#000!important}
  .hero h1,.navyband h2{color:#1E2761!important}
  .hero p.lead,.cta p,footer a,.foot-bot{color:#333!important}
}