:root{
  --navy:#0B1F3A; --navy-2:#132c50; --aqua:#3CC8C8; --aqua-d:#1F8F8F; --gold:#F2B33D;
  --blue:#3B82F6; --green:#5BBF7A; --ink:#1d2939; --muted:#5b6778; --line:#e3e9ee;
  --bg:#ffffff; --bg-soft:#F4F8F7; --radius:18px; --max:1160px;
  --shadow:0 1px 2px rgba(11,31,58,.06),0 8px 24px rgba(11,31,58,.06);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}*{transition:none!important}}
body{margin:0;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,sans-serif;color:var(--ink);background:var(--bg);font-size:18px;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block}
a{color:var(--blue)}
h1,h2,h3{color:var(--navy);line-height:1.15;letter-spacing:-.02em;margin:0 0 .5em}
h1{font-size:clamp(2.3rem,5vw,3.6rem);font-weight:800}
h2{font-size:clamp(1.8rem,3.4vw,2.6rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.container{max-width:var(--max);margin:0 auto;padding:0 24px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:12px;top:12px}
:focus-visible{outline:3px solid var(--gold);outline-offset:3px;border-radius:6px}

/* header */
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.94);backdrop-filter:saturate(1.4) blur(10px);border-bottom:1px solid var(--line)}
.stripe{height:5px;background:linear-gradient(90deg,var(--navy) 0 25%,var(--aqua) 25% 50%,var(--gold) 50% 75%,var(--green) 75%)}
.nav{display:flex;align-items:center;gap:24px;height:76px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none;color:var(--navy);font-weight:800;font-size:1.15rem;letter-spacing:-.01em;flex-shrink:0}
.brand img{height:52px;width:auto;border-radius:8px}
.nav-links{display:flex;gap:4px;list-style:none;margin:0 auto;padding:0}
.nav-links a{display:block;white-space:nowrap;padding:8px 10px;border-radius:10px;text-decoration:none;color:var(--ink);font-size:.95rem;font-weight:500}
.nav-links a:hover{background:var(--bg-soft)}
.nav-links a[aria-current=page]{color:var(--navy);font-weight:700;box-shadow:inset 0 -3px 0 var(--aqua)}
.nav-cta{display:flex;gap:10px;flex-shrink:0}
.menu-btn{display:none;margin-left:auto;background:none;border:1px solid var(--line);border-radius:10px;padding:8px 12px;font:inherit;font-size:.95rem;color:var(--navy);cursor:pointer}

/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;padding:13px 22px;border-radius:999px;font-weight:700;font-size:1rem;text-decoration:none;border:2px solid transparent;cursor:pointer;transition:transform .15s ease,background .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-primary{background:var(--aqua);color:var(--navy)}
.btn-primary:hover{background:#56d6d6}
.btn-outline{border-color:var(--navy);color:var(--navy);background:transparent}
.btn-outline:hover{background:var(--navy);color:#fff}
.btn-gold{background:var(--gold);color:var(--navy)}
.btn-light{border-color:#fff;color:#fff}
.btn-light:hover{background:#fff;color:var(--navy)}
.btn-sm{padding:9px 16px;font-size:.92rem}

/* sections */
section{padding:88px 0}
.soft{background:var(--bg-soft)}
.navy{background:var(--navy);color:#dbe6f3}
.navy h2,.navy h3{color:#fff}
.navy a{color:#8fe3e3}
.eyebrow{display:inline-block;font-size:.85rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;color:var(--aqua-d);margin-bottom:14px}
.navy .eyebrow{color:var(--gold)}
.lead{font-size:1.2rem;color:var(--muted);max-width:720px}
.navy .lead{color:#c3d2e4}
.section-head{max-width:760px;margin-bottom:44px}
.center{text-align:center;margin-left:auto;margin-right:auto}

/* hero */
.hero{position:relative;overflow:hidden;padding:96px 0 88px;background:
  radial-gradient(600px 380px at 92% 8%,rgba(60,200,200,.20),transparent 70%),
  radial-gradient(520px 360px at 78% 92%,rgba(242,179,61,.16),transparent 70%),
  radial-gradient(500px 300px at 4% 100%,rgba(91,191,122,.12),transparent 70%),#fff}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:56px;align-items:center}
.hero .lead{margin-bottom:30px}
.btn-row{display:flex;flex-wrap:wrap;gap:12px}
.hero-card{background:#fff;border-radius:28px;box-shadow:var(--shadow);padding:28px;border:1px solid var(--line)}
.hero-card img{width:100%;height:auto;border-radius:16px}
.hero-card .tag{margin-top:18px;font-weight:700;color:var(--navy);text-align:center}
.page-hero{padding:80px 0 64px}
.page-hero .lead{margin-bottom:28px}

/* cards */
.grid{display:grid;gap:24px}
.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(--radius);padding:30px;box-shadow:var(--shadow)}
.card p{color:var(--muted);margin:0}
.card .icon{width:48px;height:48px;border-radius:14px;display:grid;place-items:center;margin-bottom:18px;background:rgba(60,200,200,.14);color:var(--aqua-d)}
.card .icon svg{width:24px;height:24px}
.card.gold .icon{background:rgba(242,179,61,.18);color:#a8740f}
.card.blue .icon{background:rgba(59,130,246,.13);color:var(--blue)}
.card.green .icon{background:rgba(91,191,122,.16);color:#2f8a4c}
.path{padding:40px;display:flex;flex-direction:column;gap:14px}
.path h3{font-size:1.6rem}
.path .btn{align-self:flex-start;margin-top:8px}
.path.dark{background:var(--navy);border-color:var(--navy)}
.path.dark h3{color:#fff}
.path.dark p{color:#c3d2e4}
.navy .card{background:var(--navy-2);border-color:#22406b;box-shadow:none}
.navy .card p{color:#c3d2e4}

/* steps */
.steps{counter-reset:s;display:grid;grid-template-columns:repeat(3,1fr);gap:24px;list-style:none;padding:0;margin:0}
.steps li{counter-increment:s;background:#fff;border-radius:var(--radius);padding:30px;border:1px solid var(--line);position:relative}
.steps li::before{content:counter(s);display:grid;place-items:center;width:42px;height:42px;border-radius:50%;background:var(--navy);color:#fff;font-weight:800;margin-bottom:16px}
.steps li p{color:var(--muted);margin:0}

/* split band */
.band{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:center}
.checklist{list-style:none;padding:0;margin:0;display:grid;gap:14px}
.checklist li{display:flex;gap:12px;align-items:flex-start}
.checklist li::before{content:"";flex:0 0 22px;height:22px;margin-top:4px;border-radius:50%;background:var(--aqua) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%230B1F3A' stroke-width='3.2' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/14px no-repeat}
.checklist strong{color:var(--navy)}
.navy .checklist strong{color:#fff}

/* tiles */
.tiles{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}
.tile{border-radius:16px;padding:24px;background:#fff;border:1px solid var(--line)}
.tile h3{font-size:1.1rem;margin-bottom:6px}
.tile p{margin:0;color:var(--muted);font-size:.98rem}

/* faq */
.faq{max-width:820px;margin:0 auto;display:grid;gap:12px}
.faq details{background:#fff;border:1px solid var(--line);border-radius:14px;padding:4px 22px}
.faq summary{cursor:pointer;font-weight:700;color:var(--navy);padding:16px 0;list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::after{content:"+";font-size:1.4rem;line-height:1;color:var(--aqua-d)}
.faq details[open] summary::after{content:"–"}
.faq details p{color:var(--muted);margin:0 0 18px}

/* cta */
.cta{text-align:center;background:linear-gradient(135deg,var(--navy),#16386a);color:#dbe6f3;border-radius:28px;padding:64px 32px}
.cta h2{color:#fff}
.cta .btn-row{justify-content:center;margin-top:26px}
.cta .small{margin-top:20px;font-size:.95rem;color:#a9bbd1}
.cta .small a{color:#8fe3e3}

/* people */
.person{display:grid;grid-template-columns:140px 1fr;gap:28px;align-items:start}
.person img{width:140px;height:140px;border-radius:50%;object-fit:cover;object-position:center top;background:var(--bg-soft);border:4px solid #fff;box-shadow:var(--shadow)}
.person .role{color:var(--aqua-d);font-weight:700;margin-bottom:10px}
.person p{color:var(--muted)}

/* contact */
.contact-card{display:flex;flex-direction:column;gap:14px}
.contact-card ul{margin:0 0 6px;padding-left:20px;color:var(--muted)}
.contact-card .btn{align-self:flex-start}
.note{background:rgba(242,179,61,.14);border-left:4px solid var(--gold);padding:16px 20px;border-radius:10px;color:var(--ink);font-size:.98rem}

/* footer */
.site-footer{background:var(--navy);color:#b7c6d9;padding:64px 0 32px;font-size:.96rem}
.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px}
.footer-logo{background:#fff;border-radius:16px;padding:12px;display:inline-block;margin-bottom:14px}
.footer-logo img{height:84px;width:auto}
.site-footer h4{color:#fff;font-size:1rem;margin:0 0 14px}
.site-footer ul{list-style:none;padding:0;margin:0;display:grid;gap:8px}
.site-footer a{color:#b7c6d9;text-decoration:none}
.site-footer a:hover{color:#fff;text-decoration:underline}
.footer-bottom{border-top:1px solid #22406b;margin-top:44px;padding-top:22px;display:flex;flex-wrap:wrap;justify-content:space-between;gap:12px;font-size:.88rem}
.socials{display:flex;gap:10px;margin-top:16px}
.socials a{width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:#16345c}
.socials a:hover{background:var(--aqua);color:var(--navy)}
.socials svg{width:18px;height:18px}

/* responsive */
@media (max-width:1300px){.brand span{display:none}}
@media (max-width:1140px){
  .nav-links,.nav-cta{display:none}
  .menu-btn{display:block}
  .site-header.open .nav{flex-wrap:wrap;height:auto;padding:14px 0}
  .site-header.open .nav-links{display:flex;flex-direction:column;width:100%;order:3;margin:8px 0 0}
  .site-header.open .nav-cta{display:flex;width:100%;order:4;padding-bottom:12px}
  .g4{grid-template-columns:repeat(2,1fr)}
  .footer-grid{grid-template-columns:1fr 1fr}
}
@media (max-width:820px){
  section{padding:64px 0}
  .hero{padding:64px 0}
  .hero-grid,.band,.g2,.g3,.steps,.tiles{grid-template-columns:1fr}
  .hero-card{max-width:420px}
  .person{grid-template-columns:1fr}
}
@media (max-width:560px){
  .container{padding:0 16px}
  .g4,.footer-grid{grid-template-columns:1fr}
  .card,.path{padding:24px}
  .cta{padding:48px 20px;border-radius:20px}
  .brand span{display:none}
}
/* stats */
.stats{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}
.stat{background:#fff;border:1px solid var(--line);border-top:5px solid var(--aqua);border-radius:var(--radius);padding:28px;box-shadow:var(--shadow)}
.stat.gold{border-top-color:var(--gold)}
.stat.blue{border-top-color:var(--blue)}
.stat.green{border-top-color:var(--green)}
.stat .num{font-size:clamp(2.2rem,4vw,3rem);font-weight:800;color:var(--navy);letter-spacing:-.03em;line-height:1.05;margin-bottom:12px}
.stat p{margin:0;color:var(--muted);font-size:1rem}
.stat sup a,.stat-note sup a{text-decoration:none;font-weight:700}
.stat-note{margin:28px 0 0;font-size:1.1rem;font-weight:600;color:var(--navy)}
.sources{margin:24px 0 0;padding-left:20px;font-size:.85rem;color:var(--muted);display:grid;gap:4px}
.sources a{color:var(--muted)}
@media (max-width:1140px){.stats{grid-template-columns:repeat(2,1fr)}}
@media (max-width:560px){.stats{grid-template-columns:1fr}}

/* contact forms */
.sr-only{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);border:0}
.wf-tabs{display:grid;grid-template-columns:1fr 1fr;gap:16px;max-width:820px;margin:0 auto 24px}
.wf-tabs button{display:flex;align-items:center;gap:14px;text-align:left;font:inherit;background:#fff;border:2px solid var(--line);border-radius:16px;padding:18px 20px;cursor:pointer;color:var(--ink)}
.wf-tabs button:hover{border-color:var(--aqua)}
.wf-tabs button[aria-selected=true]{border-color:var(--navy);box-shadow:var(--shadow)}
.wf-tabs .icon{flex:0 0 44px;height:44px;border-radius:12px;display:grid;place-items:center;background:rgba(60,200,200,.14);color:var(--aqua-d)}
.wf-tabs button:last-child .icon{background:rgba(242,179,61,.18);color:#a8740f}
.wf-tabs .icon svg{width:22px;height:22px}
.wf-tabs strong{display:block;color:var(--navy);font-size:1.08rem}
.wf-tabs small{display:block;color:var(--muted);font-size:.9rem}
.wf-panel{max-width:820px;margin:0 auto;padding:40px}
.wf-panel h2{font-size:1.7rem}
.wf-intro{color:var(--muted);margin-bottom:24px}
.wf{display:grid;grid-template-columns:1fr 1fr;gap:20px 20px}
.wf-field{grid-column:span 2;min-width:0}
.wf-field:nth-child(-n+4){grid-column:span 1}
.wf-label,.wf-group legend{display:block;font-weight:600;color:var(--navy);font-size:.98rem;margin-bottom:6px;padding:0}
.wf-req{color:#b4231b}
.wf-input{width:100%;font:inherit;font-size:1rem;color:var(--ink);background:#fff;border:1.5px solid #cfd8e1;border-radius:10px;padding:12px 14px}
.wf-input:focus{outline:3px solid rgba(60,200,200,.45);outline-offset:0;border-color:var(--aqua-d)}
textarea.wf-input{resize:vertical;min-height:110px}
.wf-other{margin-top:10px}
.wf-group{border:0;margin:0;padding:0;display:flex;flex-wrap:wrap;gap:10px}
.wf-group legend{width:100%;margin-bottom:8px}
.wf-choice{display:inline-flex;align-items:center;gap:10px;border:1.5px solid #cfd8e1;border-radius:999px;padding:9px 16px;cursor:pointer;font-size:.97rem;background:#fff}
.wf-choice:has(input:checked){border-color:var(--navy);background:rgba(60,200,200,.12)}
.wf-choice input{accent-color:var(--navy);width:18px;height:18px;margin:0}
.wf-group .wf-other{flex-basis:100%}
.wf-help{font-size:.9rem;color:var(--muted);margin:6px 0 0}
.wf-err{color:#b4231b;font-size:.92rem;margin:6px 0 0;min-height:0}
.wf-err:empty{display:none}
.has-error .wf-input,.has-error .wf-choice{border-color:#b4231b}
.wf-form-err{grid-column:span 2}
.wf-submit{grid-column:span 2;justify-self:start;font-size:1.05rem;padding:14px 28px}
.wf-submit:disabled{opacity:.6;cursor:progress;transform:none}
.wf-backup{margin:22px 0 0;padding-top:18px;border-top:1px solid var(--line);font-size:.95rem;color:var(--muted)}
.wf-note{max-width:820px;margin:24px auto 0}
.wf-thanks{text-align:center;padding:28px 10px;outline:none}
.wf-thanks p{font-size:1.15rem;color:var(--navy);margin:0 0 .5em}
.wf-check{width:64px;height:64px;border-radius:50%;background:var(--aqua);color:var(--navy);font-size:2rem;font-weight:800;display:grid;place-items:center;margin:0 auto 18px}
.wf-error-box{background:#fdeceb;border-left:4px solid #b4231b;padding:16px 20px;border-radius:10px}
.wf-skeleton{display:grid;gap:14px}
.wf-skeleton span{display:block;height:46px;border-radius:10px;background:linear-gradient(90deg,#eef2f5,#f7f9fb,#eef2f5);background-size:200% 100%;animation:wfpulse 1.4s infinite}
@keyframes wfpulse{to{background-position:-200% 0}}
@media (prefers-reduced-motion:reduce){.wf-skeleton span{animation:none}}
@media (max-width:640px){
  .wf-tabs{grid-template-columns:1fr}
  .wf{grid-template-columns:1fr}
  .wf-field,.wf-field:nth-child(-n+4),.wf-form-err,.wf-submit{grid-column:span 1}
  .wf-panel{padding:24px}
}
.card .wf-err,.wf .wf-err{color:#b4231b}
.card .wf-help{color:var(--muted)}
.wf-panel,.wf-tabs{scroll-margin-top:110px}
/* brand assets */
.brand img.brand-icon{height:32px;width:32px;border-radius:0}
.brand img.brand-word{height:26px;width:auto;border-radius:0}
@media (max-width:380px){.brand img.brand-word{height:20px}}
@media (max-width:1360px){.nav-cta .btn-outline{display:none}.brand img.brand-word{height:22px}.nav{gap:16px}}

/* ===== accessibility: contrast + color-blind fixes ===== */
:root{--aqua-d:#136F6F;--blue:#1D4ED8;--field:#6B7785}
.path.dark .eyebrow{color:#8FE3E3}
.navy .btn-gold,.navy .btn-primary,.cta .btn-primary{color:var(--navy)}
.navy .btn-light,.cta .btn-light{color:#fff}
.navy .btn-light:hover,.cta .btn-light:hover{color:var(--navy)}
/* focus ring visible on light and dark backgrounds */
:focus-visible{outline:3px solid var(--navy);outline-offset:3px;box-shadow:0 0 0 6px #fff}
.navy :focus-visible,.cta :focus-visible,.path.dark :focus-visible,.site-footer :focus-visible{outline-color:var(--gold);box-shadow:none}
/* form controls: 3:1 boundaries; errors not shown by color alone */
.wf-input,.wf-choice{border-color:var(--field)}
.wf-input::placeholder{color:#5B6778;opacity:1}
.has-error .wf-input,.has-error .wf-choice{border-width:2px;border-style:dashed}
.wf-err:not(:empty)::before{content:"\26A0\FE0E  ";font-weight:700}
.wf-err{font-weight:600}
.wf-choice:has(input:checked){border-width:2px;font-weight:600}
/* selected tab: shape cue, not just color */
.wf-tabs button[aria-selected=true]{border-width:3px;position:relative}
.wf-tabs button[aria-selected=true]::after{content:"\2713  Selected";position:absolute;top:10px;right:14px;font-size:.78rem;font-weight:700;color:var(--navy)}
/* in-text links underlined so they don't rely on color */
main p a,main li a,.wf-backup a,.sources a{text-decoration:underline;text-underline-offset:2px}

/* display switch */
.a11y-btn{display:inline-flex;align-items:center;gap:6px;flex-shrink:0;background:#fff;border:1.5px solid var(--field);border-radius:999px;padding:7px 12px;font:inherit;font-size:.88rem;font-weight:600;color:var(--navy);cursor:pointer}
.a11y-btn svg{width:18px;height:18px}
.a11y-btn[aria-pressed=true]{background:var(--navy);color:#fff;border-color:var(--navy)}
@media (max-width:1140px){.a11y-btn{margin-left:auto}.a11y-btn+.menu-btn{margin-left:8px}}
@media (max-width:560px){.a11y-btn .lbl{display:none}}

/* high-contrast mode (switch, or the visitor's OS "increase contrast" setting) */
html.hc{--ink:#000;--muted:#1d2939;--line:#0B1F3A;--field:#0B1F3A;--aqua-d:#0B4F4F;--blue:#0B3D91;--bg-soft:#fff;--shadow:none}
html.hc body{color:#000}
html.hc .hero{background:#fff}
html.hc .soft{background:#fff;border-top:2px solid #0B1F3A;border-bottom:2px solid #0B1F3A}
html.hc .card,html.hc .tile,html.hc .steps li,html.hc .stat,html.hc .faq details,html.hc .wf-tabs button{border:2px solid #0B1F3A}
html.hc .card p,html.hc .tile p,html.hc .stat p,html.hc .steps li p,html.hc .lead,html.hc .wf-help,html.hc .wf-intro,html.hc .sources,html.hc .sources a{color:#000}
html.hc .navy,html.hc .navy .card,html.hc .path.dark,html.hc .cta{background:#000;color:#fff;border-color:#fff}
html.hc .navy .lead,html.hc .navy .card p,html.hc .path.dark p,html.hc .cta p,html.hc .cta .small{color:#fff}
html.hc .navy .eyebrow,html.hc .path.dark .eyebrow{color:#FFD27A}
html.hc .btn-primary,html.hc .btn-gold{background:#0B1F3A;color:#fff;border-color:#0B1F3A}
html.hc .navy .btn-primary,html.hc .navy .btn-gold,html.hc .cta .btn-primary,html.hc .path.dark .btn-gold{background:#fff;color:#000;border-color:#fff}
html.hc .btn-outline{border-width:3px}
html.hc a{text-decoration:underline}
html.hc .btn,html.hc .nav-links a,html.hc .brand{text-decoration:none}
html.hc .nav-links a[aria-current=page]{text-decoration:underline;text-decoration-thickness:3px;box-shadow:none}
html.hc .site-footer{background:#000;color:#fff}
html.hc .site-footer a{color:#fff}
html.hc .wf-input,html.hc .wf-choice{border-width:2px}
html.hc .wf-err,html.hc .wf-req{color:#9B0000}
html.hc .icon{background:#fff!important;color:#000!important;border:2px solid #000}
html.hc .checklist li::before{background-color:#fff;border:2px solid #000}
html.hc .stripe{display:none}
html.hc *,html.hc *::before,html.hc *::after{text-shadow:none}
@media (forced-colors:active){.btn,.wf-tabs button,.a11y-btn{border:2px solid ButtonText}.wf-err:not(:empty)::before{forced-color-adjust:auto}}
@media (max-width:1360px){.a11y-btn .lbl{display:none}.a11y-btn{padding:8px}}
.wf-input:focus{outline:3px solid var(--navy);outline-offset:1px}
html.hc .wf-input:focus{outline-color:#000}
.stats-sub{margin:44px 0 20px;font-size:1.3rem}