:root{
  --navy:#0D3B72; --navy-deep:#082547; --navy-darker:#061a33;
  --orange:#FF5500; --amber:#FFB800; --teal:#26A69A; --gold:#8D6E1A;
  --ink:#0c1622; --paper:#FBF8F2; --paper-2:#F3EDE1;
  --line:rgba(13,59,114,.12);
  --ffd:'Playfair Display', Georgia, serif;
  --ffb:'DM Sans', -apple-system, sans-serif;
}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:var(--ffb);background:var(--paper);color:var(--ink);line-height:1.65;-webkit-font-smoothing:antialiased;overflow-x:hidden}
a{color:inherit;text-decoration:none}
::selection{background:var(--amber);color:var(--navy-darker)}
body::before{content:"";position:fixed;inset:0;z-index:9999;pointer-events:none;opacity:.035;
  background-image:url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' width='200' height='200'%3E%3Cfilter id='n'%3E%3CfeTurbulence type='fractalNoise' baseFrequency='.9' numOctaves='3'/%3E%3C/filter%3E%3Crect width='100%25' height='100%25' filter='url(%23n)'/%3E%3C/svg%3E")}
.wrap{max-width:1180px;margin:0 auto;padding:0 28px}
.wrap-narrow{max-width:820px;margin:0 auto;padding:0 28px}

/* logo squares */
.squares{display:inline-grid;grid-template-columns:1fr 1fr;gap:3px;vertical-align:middle}
.squares span{width:14px;height:14px;border-radius:4px;display:block}
.squares .s1{background:var(--orange)}.squares .s2{background:var(--amber)}
.squares .s3{background:var(--teal)}.squares .s4{background:var(--gold)}

/* NAV */
header{position:fixed;top:0;left:0;right:0;z-index:100;transition:all .4s ease}
header.scrolled,header.solid{background:rgba(251,248,242,.92);backdrop-filter:blur(12px);box-shadow:0 1px 0 var(--line)}
.nav{display:flex;align-items:center;justify-content:space-between;height:74px}
.brand{display:flex;align-items:center;gap:11px;font-family:var(--ffd);font-weight:900;font-size:25px;letter-spacing:-.5px;color:var(--navy)}
header.transparent:not(.scrolled) .brand{color:#fff}
.nav-links{display:flex;align-items:center;gap:32px}
.nav-links a{font-size:15px;font-weight:500;color:var(--navy);opacity:.85;transition:opacity .2s}
header.transparent:not(.scrolled) .nav-links a{color:#fff}
.nav-links a:hover{opacity:1}
.nav-links a.active{opacity:1;color:var(--orange)}
header.transparent:not(.scrolled) .nav-links a.active{color:var(--amber)}
.nav-cta{padding:11px 22px;border-radius:999px;background:var(--orange);color:#fff!important;font-weight:600;font-size:14px;opacity:1!important;box-shadow:0 6px 20px rgba(255,85,0,.35);transition:transform .2s,box-shadow .2s}
.nav-cta:hover{transform:translateY(-2px);box-shadow:0 10px 28px rgba(255,85,0,.45)}
.menu-btn{display:none;background:none;border:none;color:var(--navy);cursor:pointer}
header.transparent:not(.scrolled) .menu-btn{color:#fff}

/* page header band (for inner pages) */
.page-head{background:radial-gradient(1100px 600px at 75% -20%, #14467f 0%, var(--navy) 42%, var(--navy-deep) 80%);padding:150px 0 80px;position:relative;overflow:hidden}
.page-head .glow{position:absolute;border-radius:50%;filter:blur(90px);pointer-events:none}
.page-head .pg1{width:400px;height:400px;background:radial-gradient(circle,var(--orange),transparent 70%);opacity:.3;top:-100px;right:-60px}
.page-head .pg2{width:340px;height:340px;background:radial-gradient(circle,var(--teal),transparent 70%);opacity:.28;bottom:-120px;left:-80px}
.page-head .eyebrow{display:inline-flex;align-items:center;gap:10px;padding:7px 15px;border:1px solid rgba(255,255,255,.2);border-radius:999px;color:var(--amber);font-size:12.5px;font-weight:600;letter-spacing:1.5px;text-transform:uppercase;margin-bottom:22px}
.page-head h1{font-family:var(--ffd);font-weight:800;color:#fff;font-size:clamp(34px,5vw,58px);line-height:1.05;letter-spacing:-1px;max-width:760px;position:relative}
.page-head h1 em{font-style:italic;font-weight:500;color:var(--amber)}
.page-head p{color:rgba(255,255,255,.78);font-size:19px;font-weight:300;max-width:620px;margin-top:20px;position:relative}

/* buttons */
.btn-primary{display:inline-flex;align-items:center;gap:9px;padding:16px 32px;border-radius:999px;background:linear-gradient(135deg,var(--orange),#ff7a33);color:#fff;font-weight:600;font-size:16px;box-shadow:0 12px 34px rgba(255,85,0,.4);transition:transform .25s,box-shadow .25s;border:none;cursor:pointer;font-family:var(--ffb)}
.btn-primary:hover{transform:translateY(-3px);box-shadow:0 18px 44px rgba(255,85,0,.5)}
.btn-ghost-l{display:inline-flex;align-items:center;gap:9px;padding:16px 28px;border-radius:999px;border:1px solid rgba(255,255,255,.28);color:#fff;font-weight:500;font-size:16px;transition:background .25s,border-color .25s}
.btn-ghost-l:hover{background:rgba(255,255,255,.08);border-color:rgba(255,255,255,.5)}
.btn-navy{display:inline-flex;align-items:center;gap:9px;padding:16px 32px;border-radius:999px;background:var(--navy);color:#fff;font-weight:600;font-size:16px;transition:transform .25s,box-shadow .25s;box-shadow:0 10px 28px rgba(8,37,71,.25)}
.btn-navy:hover{transform:translateY(-3px);box-shadow:0 16px 38px rgba(8,37,71,.35)}

/* sections */
.sec{padding:100px 0}
.sec-eyebrow{font-size:13px;font-weight:700;letter-spacing:2px;text-transform:uppercase;color:var(--orange);margin-bottom:16px}
.sec-h{font-family:var(--ffd);font-weight:800;font-size:clamp(28px,4.2vw,46px);line-height:1.1;letter-spacing:-1px;color:var(--navy);margin-bottom:18px;max-width:680px}
.sec-h em{font-style:italic;font-weight:500;color:var(--gold)}
.sec-lead{font-size:18px;color:#4a5a6e;max-width:600px;font-weight:300}
.alt{background:var(--paper-2)}

/* prose (policy pages) */
.prose{padding:70px 0 90px}
.prose h2{font-family:var(--ffd);font-weight:700;font-size:27px;color:var(--navy);margin:42px 0 14px;letter-spacing:-.4px}
.prose h2:first-child{margin-top:0}
.prose h3{font-family:var(--ffd);font-weight:700;font-size:20px;color:var(--navy);margin:28px 0 10px}
.prose p{font-size:16.5px;color:#3f4d5e;margin-bottom:16px;font-weight:300}
.prose ul{margin:0 0 18px 22px}
.prose li{font-size:16.5px;color:#3f4d5e;margin-bottom:9px;font-weight:300}
.prose strong{color:var(--navy);font-weight:600}
.prose a{color:var(--orange);font-weight:500}
.prose a:hover{text-decoration:underline}
.updated{display:inline-block;font-size:13px;color:#7a899a;background:var(--paper-2);padding:7px 15px;border-radius:999px;margin-bottom:34px}
.toc{background:var(--paper-2);border-radius:16px;padding:26px 30px;margin-bottom:40px}
.toc h4{font-family:var(--ffd);font-size:16px;color:var(--navy);margin-bottom:12px}
.toc a{display:block;color:#4a5a6e;font-size:14.5px;margin-bottom:8px;font-weight:400}
.toc a:hover{color:var(--orange)}

/* generic card grids */
.grid-3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.grid-2{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:start}
.card{background:var(--paper);border:1px solid var(--line);border-radius:18px;padding:30px 28px;transition:transform .3s,box-shadow .3s}
.card:hover{transform:translateY(-5px);box-shadow:0 18px 40px rgba(8,37,71,.1)}
.card .ic{width:48px;height:48px;border-radius:13px;display:flex;align-items:center;justify-content:center;margin-bottom:18px;background:rgba(13,59,114,.06)}
.card h4{font-family:var(--ffd);font-size:20px;font-weight:700;color:var(--navy);margin-bottom:9px}
.card p{font-size:14.5px;color:#5a6a7d;font-weight:300}

/* dark feature panel */
.dark{background:linear-gradient(180deg,var(--navy-darker),var(--navy-deep));color:#fff}
.dark .sec-eyebrow{color:var(--amber)}
.dark .sec-h{color:#fff}
.dark .sec-lead{color:rgba(255,255,255,.72)}
.dark .card{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.09)}
.dark .card:hover{background:rgba(255,255,255,.07);border-color:rgba(255,184,0,.4)}
.dark .card h4{color:#fff}
.dark .card p{color:rgba(255,255,255,.68)}
.dark .card .ic{background:rgba(255,255,255,.06)}

/* mini CTA band */
.cta-band{background:radial-gradient(800px 500px at 80% 20%,#14467f,var(--navy-deep) 60%,var(--navy-darker));padding:80px 0;text-align:center;color:#fff;position:relative;overflow:hidden}
.cta-band h2{font-family:var(--ffd);font-weight:800;font-size:clamp(28px,4vw,44px);letter-spacing:-1px;margin-bottom:16px;position:relative}
.cta-band h2 em{font-style:italic;color:var(--amber);font-weight:500}
.cta-band p{color:rgba(255,255,255,.75);font-size:17px;font-weight:300;max-width:520px;margin:0 auto 30px;position:relative}
.cta-band .glow{position:absolute;width:420px;height:420px;border-radius:50%;filter:blur(90px);background:radial-gradient(circle,var(--orange),transparent 70%);opacity:.25;top:-100px;left:50%;transform:translateX(-50%)}

/* footer */
footer{background:var(--navy-darker);color:#fff;padding:62px 0 32px}
.foot-top{display:flex;justify-content:space-between;gap:40px;flex-wrap:wrap;padding-bottom:38px;border-bottom:1px solid rgba(255,255,255,.1)}
.foot-brand{max-width:300px}
.foot-brand .brand{color:#fff;margin-bottom:15px}
.foot-brand p{color:rgba(255,255,255,.6);font-size:14px;font-weight:300}
.foot-cols{display:flex;gap:56px;flex-wrap:wrap}
.foot-col h5{font-size:12.5px;text-transform:uppercase;letter-spacing:1px;color:var(--amber);margin-bottom:15px;font-weight:700}
.foot-col a{display:block;color:rgba(255,255,255,.7);font-size:14px;margin-bottom:9px;transition:color .2s}
.foot-col a:hover{color:#fff}
.foot-bot{display:flex;justify-content:space-between;align-items:center;gap:18px;flex-wrap:wrap;padding-top:24px;color:rgba(255,255,255,.5);font-size:13px}

/* reveal */
.reveal{opacity:0;transform:translateY(26px);transition:opacity .8s cubic-bezier(.2,.7,.2,1),transform .8s cubic-bezier(.2,.7,.2,1)}
.reveal.in{opacity:1;transform:none}

@media(max-width:920px){
  .nav-links{display:none;position:absolute;top:74px;left:0;right:0;background:var(--paper);flex-direction:column;padding:20px 28px;gap:18px;box-shadow:0 12px 30px rgba(0,0,0,.1)}
  .nav-links a{color:var(--navy)!important}
  .menu-btn{display:block}
  .grid-3,.grid-2{grid-template-columns:1fr}
}