:root{
  --blue:#0B3FD1; --blue-dk:#082F9C; --cyan:#00A3E0; --ink:#12161f; --body:#39404e;
  --muted:#6b7382; --line:#e3e7ee; --bg-soft:#f5f8fd; --radius:14px;
  --sans:"Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;
  --serif:Georgia,"Times New Roman",serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--body);background:#fff;font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%}
a{color:var(--blue);text-decoration:none}
a:hover{text-decoration:underline}
h1,h2,h3,h4{color:var(--ink);line-height:1.15;margin:0 0 .5em;font-weight:700;letter-spacing:-.02em}
h1{font-size:clamp(2.2rem,5vw,3.6rem)}
h2{font-size:clamp(1.6rem,3.2vw,2.4rem)}
h3{font-size:1.2rem}
p{margin:0 0 1em}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:800px}
section{padding:72px 0}
.soft{background:var(--bg-soft)}
.eyebrow{font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;font-weight:700;color:var(--blue);margin:0 0 12px}
.lede{font-size:1.2rem;color:var(--body)}

/* ---------- Top bar / nav ---------- */
.utility{background:var(--ink);color:#c8cede;font-size:.8rem}
.utility .wrap{display:flex;gap:22px;justify-content:flex-end;align-items:center;height:38px}
.utility a{color:#c8cede}
header.site{position:sticky;top:0;z-index:60;background:#fff;border-bottom:1px solid var(--line)}
.navbar{display:flex;align-items:center;gap:28px;height:78px}
.brand{display:flex;align-items:center;flex:0 0 auto}
.brand img{height:34px;width:auto}
nav.main{display:flex;gap:17px;flex-wrap:nowrap;flex:1 1 auto;flex-wrap:wrap}
nav.main > a{color:var(--ink);font-weight:600;font-size:.875rem;white-space:nowrap;padding:6px 0;border-bottom:2px solid transparent}
nav.main > a:hover,nav.main > a.active{color:var(--blue);border-bottom-color:var(--blue);text-decoration:none}
.navcta{display:flex;gap:10px;align-items:center}

/* ---------- Buttons ---------- */
.btn{display:inline-block;white-space:nowrap;background:var(--blue);color:#fff;padding:12px 24px;border-radius:999px;font-weight:600;font-size:.95rem;border:2px solid var(--blue);transition:.15s}
.btn:hover{background:var(--blue-dk);border-color:var(--blue-dk);text-decoration:none}
.btn.ghost{background:transparent;color:var(--blue)}
.btn.ghost:hover{background:var(--blue);color:#fff}
.btn.light{background:#fff;color:var(--blue);border-color:#fff}
.btn.sm{padding:8px 18px;font-size:.85rem}
.arrow::after{content:" →"}

/* ---------- Hero ---------- */
.hero{background:linear-gradient(115deg,var(--blue) 0%,#0a63d8 45%,var(--cyan) 100%);color:#fff;padding:96px 0 104px;position:relative;overflow:hidden}
.hero h1{color:#fff;max-width:16ch}
.hero p{font-size:1.25rem;color:#e8f2ff;max-width:60ch}
.hero .wrap{position:relative;z-index:2}
.hero-deco{position:absolute;inset:0;z-index:1;opacity:.28}
.hero-sub{background:var(--bg-soft);padding:56px 0;border-bottom:1px solid var(--line)}
.page-head{background:var(--bg-soft);padding:64px 0 56px;border-bottom:1px solid var(--line)}
.crumb{font-size:.85rem;color:var(--muted);margin-bottom:14px}

/* ---------- Grid & cards ---------- */
.grid{display:grid;gap:26px}
.g2{grid-template-columns:repeat(2,1fr)}
.g3{grid-template-columns:repeat(3,1fr)}
.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:1150px){nav.main{gap:13px}nav.main > a{font-size:.8rem}}
@media(max-width:900px){.g2,.g3,.g4{grid-template-columns:1fr}
 .navbar{height:auto;padding:12px 0;flex-wrap:wrap}
 nav.main{order:3;width:100%;overflow-x:auto;gap:16px;padding-bottom:4px}
 .brand{flex:1}.utility .wrap{gap:14px;font-size:.72rem}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:26px;transition:.18s}
.card:hover{box-shadow:0 12px 30px rgba(12,30,80,.09);transform:translateY(-2px)}
.card h3{margin-bottom:.35em}
.card p{font-size:.95rem;color:var(--body);margin-bottom:.6em}
.card .ico{width:44px;height:44px;margin-bottom:14px}
.stat{text-align:left}
.stat .n{font-size:clamp(2rem,4vw,2.9rem);font-weight:800;color:var(--blue);line-height:1;letter-spacing:-.03em}
.stat .l{font-size:.9rem;color:var(--muted);margin-top:8px;display:block}

/* ---------- Tables ---------- */
table{width:100%;border-collapse:collapse;font-size:.92rem;background:#fff}
th,td{text-align:left;padding:13px 14px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--bg-soft);font-size:.75rem;letter-spacing:.09em;text-transform:uppercase;color:var(--muted)}
td.num,th.num{text-align:right;font-variant-numeric:tabular-nums}
.tablewrap{overflow-x:auto;border:1px solid var(--line);border-radius:var(--radius)}
.pill{display:inline-block;font-size:.72rem;font-weight:700;letter-spacing:.05em;text-transform:uppercase;padding:3px 10px;border-radius:999px;background:#e8effd;color:var(--blue-dk)}
.pill.p1{background:#e9f7ef;color:#1b7a45}
.pill.p2{background:#fff4e2;color:#96601a}
.pill.p3{background:#e8effd;color:#0b3fd1}
.pill.p4{background:#f3e9fb;color:#6b30a8}

/* ---------- Misc blocks ---------- */
.split{display:grid;grid-template-columns:1.05fr .95fr;gap:52px;align-items:center}
@media(max-width:900px){.split{grid-template-columns:1fr;gap:30px}}
.quote{font-family:var(--serif);font-size:1.5rem;line-height:1.45;color:var(--ink);border-left:4px solid var(--cyan);padding-left:24px;margin:0}
.newsitem{display:grid;grid-template-columns:150px 1fr;gap:20px;padding:22px 0;border-bottom:1px solid var(--line)}
@media(max-width:700px){.newsitem{grid-template-columns:1fr;gap:6px}}
.newsitem .date{color:var(--muted);font-size:.85rem}
.newsitem h3{font-size:1.08rem;margin:0 0 .3em}
details{border-bottom:1px solid var(--line);padding:16px 0}
summary{cursor:pointer;font-weight:600;color:var(--ink);list-style:none}
summary::-webkit-details-marker{display:none}
summary::before{content:"+";color:var(--blue);font-weight:800;margin-right:12px}
details[open] summary::before{content:"–"}
details p{margin:12px 0 0;font-size:.95rem}
ul.check{list-style:none;padding:0}
ul.check li{padding-left:30px;position:relative;margin-bottom:11px}
ul.check li::before{content:"";position:absolute;left:0;top:.45em;width:16px;height:16px;border-radius:50%;background:var(--cyan)}
.band{background:var(--blue);color:#fff;padding:64px 0}
.band h2,.band h3{color:#fff}
.band p{color:#dbe8ff}
.tabs{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:26px}
.tabs button{border:1px solid var(--line);background:#fff;color:var(--ink);padding:9px 18px;border-radius:999px;font:inherit;font-size:.9rem;cursor:pointer}
.tabs button[aria-selected="true"]{background:var(--blue);color:#fff;border-color:var(--blue)}
.panel[hidden]{display:none}
.toc{background:var(--bg-soft);border:1px solid var(--line);border-radius:var(--radius);padding:20px 24px;margin-bottom:34px}
.toc ul{margin:0;padding-left:18px;columns:2}
@media(max-width:700px){.toc ul{columns:1}}
form .field{margin-bottom:16px}
label{display:block;font-size:.85rem;font-weight:600;color:var(--ink);margin-bottom:6px}
input,select,textarea{width:100%;padding:11px 13px;border:1px solid #c9d0dd;border-radius:8px;font:inherit;background:#fff}
input:focus,select:focus,textarea:focus{outline:2px solid var(--cyan);border-color:var(--cyan)}
.note{font-size:.82rem;color:var(--muted)}

/* ---------- Footer ---------- */
footer.site{background:var(--ink);color:#aab2c2;padding:60px 0 28px;font-size:.9rem;margin-top:0}
footer.site h4{color:#fff;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:14px}
footer.site a{color:#aab2c2;display:block;padding:4px 0}
footer.site a:hover{color:#fff}
.footgrid{display:grid;grid-template-columns:1.4fr repeat(4,1fr);gap:32px}
@media(max-width:900px){.footgrid{grid-template-columns:1fr 1fr}}
.legal{border-top:1px solid #2a3140;margin-top:40px;padding-top:22px;display:flex;justify-content:space-between;gap:18px;flex-wrap:wrap;font-size:.8rem;color:#7d8698}
.legal a{display:inline-block;white-space:nowrap;margin-right:16px}
.safety{background:#fffbe9;border:1px solid #f0e2b0;border-radius:var(--radius);padding:18px 22px;font-size:.86rem;color:#5c4a12}
.legal>div:last-child{display:flex;flex-wrap:wrap;gap:0 16px;justify-content:flex-end;flex:1 1 auto}
.legal a{margin-right:0}