:root{
    --navy:#071D3B;
    --blue:#0C3478;
    --blue-light:#93A9CD;
    --blue-tint:#E7ECF4;
    --bg:#F8F6F2;
    --line:#E7ECF4;
    --ink:#2A2F37;
    --ink-soft:#5B636C;
    --steel:#365E84;
    --tint-on-blue:#B7C5DD;
  }
  *{box-sizing:border-box;}
  html{scroll-behavior:smooth;}
  @media (prefers-reduced-motion: reduce){
    html{scroll-behavior:auto;}
    *{animation-duration:0.001ms !important; transition-duration:0.001ms !important;}
  }
  body{
    margin:0;
    background:#FFFFFF;
    color:var(--ink);
    font-family:'Inter', -apple-system, sans-serif;
    line-height:1.6;
    -webkit-font-smoothing:antialiased;
  }
  h1,h2,h3,h4{
    font-family:'Inter', sans-serif;
    font-weight:600;
    margin:0;
    color:var(--navy);
  }
  a{color:inherit;}
  img{max-width:100%; display:block;}
  .wrap{max-width:1200px; margin:0 auto; padding:0 24px;}

  .skip-link{
    position:absolute; left:-999px; top:0;
    background:var(--navy); color:#fff; padding:12px 20px;
    z-index:100; border-radius:0 0 6px 0; font-weight:600; text-decoration:none;
  }
  .skip-link:focus{left:0;}

  a:focus-visible, button:focus-visible{
    outline:3px solid var(--blue-light);
    outline-offset:2px;
  }

  /* Header */
  header{
    position:sticky; top:0; z-index:20;
    background:rgba(255,255,255,0.92);
    backdrop-filter:blur(8px);
    border-bottom:1px solid var(--line);
  }
  .header-inner{
    display:flex; align-items:center; justify-content:space-between;
    padding:14px 24px;
    max-width:1200px; margin:0 auto;
    gap:16px;
  }
  .brand img{height:34px; width:auto;}
  nav.main-nav{display:flex; align-items:center; gap:28px;}
  nav.main-nav a{
    text-decoration:none; color:var(--ink); font-weight:500; font-size:0.95rem;
  }
  nav.main-nav a:hover{color:var(--blue);}
  nav.main-nav a.btn{color:#fff;}
  nav.main-nav a.btn-ghost{color:var(--navy);}
  nav.main-nav a.btn:hover{color:#fff;}
  nav.main-nav a.btn-header-cta{color:#0C3478;}
  nav.main-nav a.btn-header-cta:hover{color:#fff;}
  .btn{
    display:inline-flex;
    align-items:center;
    gap:8px;
    padding:11px 22px;
    border-radius:6px;
    text-decoration:none;
    font-weight:600;
    font-size:0.95rem;
    border:none;
    cursor:pointer;
    font-family:inherit;
  }
  .btn-icon{display:inline-flex; align-items:center; line-height:0;}
  .btn-icon svg{width:17px; height:17px; fill:currentColor; display:block;}
  .btn-primary{background:var(--blue); color:#fff;}
  .btn-primary:hover{background:var(--navy);}
  .btn-outline{background:transparent; color:#fff; border:1.5px solid rgba(255,255,255,0.6);}
  .btn-outline:hover{background:rgba(255,255,255,0.12);}
  .btn-ghost{background:var(--blue-tint); color:var(--navy);}
  .btn-ghost:hover{background:#D6DEEC;}
  .btn-header-cta{
    background:transparent; color:#0C3478; border:1px solid #0C3478;
    padding:9px 20px; font-size:0.9rem;
  }
  .btn-header-cta:hover{background:#0C3478; color:#fff;}

  .menu-toggle{
    display:none;
    background:none; border:none; cursor:pointer; padding:8px;
  }
  .menu-toggle svg{width:26px; height:26px; color:var(--navy);}

  @media (max-width:1100px){
    nav.main-nav{
      position:fixed; inset:0 0 0 auto; width:78%; max-width:320px;
      background:#fff; flex-direction:column; align-items:flex-start;
      padding:90px 28px 28px; gap:22px;
      transform:translateX(100%); transition:transform 0.25s ease;
      box-shadow:-10px 0 30px rgba(7,29,59,0.12);
    }
    nav.main-nav.open{transform:translateX(0);}
    nav.main-nav a{font-size:1.05rem;}
    .menu-toggle{display:block;}
    .nav-scrim{
      display:none; position:fixed; inset:0; background:rgba(7,29,59,0.35); z-index:15;
    }
    .nav-scrim.open{display:block;}
  }

  /* Hero */
  .hero{
    position:relative; color:#fff; padding:64px 24px 64px; overflow:hidden;
    min-height:560px; display:flex; align-items:center;
  }
  .hero-bg{
    position:absolute; inset:0; width:100%; height:100%; object-fit:cover; object-position:center 25%; z-index:-2;
  }
  .hero-overlay{
    position:absolute; inset:0; z-index:-1;
    background:linear-gradient(90deg, rgba(7,29,59,0.78) 0%, rgba(7,29,59,0.58) 45%, rgba(7,29,59,0.30) 100%);
  }
  .hero-inner{max-width:1200px; margin:0 auto; width:100%;}
  @media (max-width:1024px){
    .hero{min-height:480px;}
    .hero-bg{object-position:center 20%;}
  }
  @media (max-width:640px){
    .hero{min-height:430px; padding:56px 20px;}
    .hero-bg{object-position:center 15%;}
    .hero h1{font-size:2.2rem;}
    .section-head h2{font-size:1.6rem;}
  }
  .eyebrow{
    display:inline-block; text-transform:uppercase; letter-spacing:1.5px;
    font-size:0.78rem; font-weight:600; color:rgba(255,255,255,0.80);
    margin-bottom:18px;
  }
  .hero h1{color:#fff; font-size:3.3rem; line-height:1.15; max-width:680px; margin-bottom:22px;}
  .hero p{color:rgba(255,255,255,0.90); font-size:1.08rem; max-width:560px; margin-bottom:34px;}
  .hero .actions{display:flex; gap:14px; flex-wrap:wrap;}

  /* Sections generic */
  section{padding:64px 24px;}
  #insights{padding-top:96px; padding-bottom:100px;}
  .section-head{max-width:640px; margin-bottom:44px;}
  .section-head h2{font-size:2.1rem; margin-bottom:12px; line-height:1.25;}
  .section-head p{color:var(--ink-soft); font-size:1rem; margin:0;}

  .group{margin-top:44px;}
  .group:first-child{margin-top:0;}
  .group-head h3{font-size:1.2rem; margin-bottom:18px;}

  .cards{display:grid; grid-template-columns:repeat(3,1fr); gap:20px;}
  @media (max-width:1024px){.cards{grid-template-columns:repeat(2,1fr);}}
  @media (max-width:640px){.cards{grid-template-columns:1fr;}}

  .card{
    background:#fff; border:1px solid var(--line); border-radius:10px;
    padding:26px; display:flex; flex-direction:column;
    box-shadow:0 1px 2px rgba(7,29,59,0.03);
  }
  .card.highlight{border-color:var(--steel); background:linear-gradient(180deg,#fff 0%, var(--blue-tint) 220%);}
  .card h4{font-size:1.15rem; margin-bottom:9px; line-height:1.35;}
  .card .blurb{color:var(--ink-soft); font-size:0.96rem; margin-bottom:14px;}
  .card ul{margin:0 0 16px; padding-left:18px; color:var(--ink-soft); font-size:0.93rem;}
  .card ul li{margin-bottom:4px;}
  .card details{margin-bottom:16px;}
  .card summary{
    cursor:pointer; color:var(--blue); font-weight:600; font-size:0.88rem;
    list-style:none;
  }
  .card summary::-webkit-details-marker{display:none;}
  .card summary::after{content:" +"; }
  .card details[open] summary::after{content:" –";}
  .card details p{color:var(--ink-soft); font-size:0.88rem; margin:10px 0 0;}
  .card .cta{margin-top:auto;}
  .badge-blue{
    display:inline-block; background:var(--blue-tint); color:var(--navy);
    font-size:0.75rem; font-weight:600; padding:4px 10px; border-radius:6px; margin-bottom:10px;
  }
  .benefit-note{font-size:0.78rem; color:var(--ink-soft); margin-top:10px; font-style:italic;}

  /* Image break */
  .image-break{position:relative; height:280px; overflow:hidden; margin:56px 0; border-radius:0;}
  .image-break img{width:100%; height:100%; object-fit:cover;}
  .image-break::after{
    content:""; position:absolute; inset:0;
    background:linear-gradient(0deg, rgba(7,29,59,0.75) 0%, rgba(7,29,59,0.05) 55%);
  }
  .image-break-caption{
    position:absolute; left:0; right:0; bottom:0; padding:22px 24px; max-width:1200px; margin:0 auto;
    color:#fff; font-weight:600; font-size:1.02rem;
  }
  @media (max-width:640px){.image-break{height:200px; margin:40px 0;}}

  /* About */
  .about{background:var(--navy); color:#fff;}
  .about .section-head h2{color:#fff;}
  .about .section-head p{color:var(--blue-light); max-width:680px;}
  .about-body{
    display:flex; align-items:center; gap:40px; margin-top:8px;
  }
  .about-photo{
    flex:0 0 42%; max-width:380px;
  }
  .about-photo img{
    width:100%; height:auto;
    border-radius:14px;
    object-fit:cover;
    display:block;
    box-shadow:0 16px 40px -16px rgba(0,0,0,0.45);
  }
  .about-text{flex:1 1 58%; min-width:0;}
  .about-text h3{color:#fff; font-size:1.2rem; margin-bottom:14px;}
  .about-text p.bio{color:#C9D5E8; font-size:0.98rem; margin-bottom:14px;}
  .about-text .cta{margin-top:8px;}
  @media (max-width:860px){
    .about-body{flex-direction:column; align-items:stretch;}
    .about-photo{max-width:100%;}
  }
  .about-highlights{display:grid; grid-template-columns:repeat(3,1fr); gap:1px; margin-top:36px; background:rgba(255,255,255,0.14); border-top:1px solid rgba(255,255,255,0.18); border-bottom:1px solid rgba(255,255,255,0.18);}
  @media (max-width:768px){.about-highlights{grid-template-columns:1fr; gap:1px;}}
  .about-highlight{
    background:var(--navy);
    padding:22px 20px; font-weight:500; font-size:0.98rem; color:#fff;
    display:flex; align-items:center; min-height:76px; line-height:1.35;
  }

  /* Insights */
  .insight-card{background:#fff; border:1px solid var(--line); border-radius:10px; padding:28px; box-shadow:0 1px 2px rgba(7,29,59,0.03); display:flex; flex-direction:column;}
  .insight-meta{display:flex; gap:8px; flex-wrap:wrap; font-size:0.72rem; color:var(--ink-soft); margin-bottom:12px;}
  .insight-meta span{background:var(--blue-tint); color:var(--navy); padding:2px 9px; border-radius:5px; font-weight:600;}
  .insight-card h4{font-size:1.1rem; margin-bottom:10px; line-height:1.35;}
  .insight-card details{margin-top:auto; padding-top:14px;}
  .insight-card details summary{color:var(--blue); font-weight:600; cursor:pointer; font-size:0.9rem; list-style:none;}
  .insight-card details summary::-webkit-details-marker{display:none;}
  .insight-card details p{color:var(--ink-soft); font-size:0.9rem; margin-top:10px;}
  .insights-disclaimer{font-size:0.8rem; color:var(--ink-soft); margin-top:28px; font-style:italic;}

  /* CTA final */
  .cta-final{background:var(--navy); color:#fff; text-align:center;}
  .cta-final h2{color:#fff; font-size:1.6rem; margin-bottom:14px;}
  .cta-final p{color:#E5EBF3; max-width:520px; margin:0 auto 26px;}
  .cta-final .btn-primary{background:#fff; color:var(--navy);}
  .cta-final .btn-primary:hover{background:var(--blue); color:#fff;}

  /* Footer */
  footer{background:var(--navy); color:var(--blue-light); padding:52px 24px 28px; font-size:0.9rem;}
  .footer-grid{
    max-width:1200px; margin:0 auto; display:grid; grid-template-columns:1.3fr 0.9fr 0.9fr 0.9fr; gap:32px;
  }
  @media (max-width:768px){.footer-grid{grid-template-columns:1fr;}}
  .footer-brand img{height:30px; margin-bottom:12px; display:block;}
  .logo-chip{
    display:inline-block; background:var(--bg); padding:10px 16px;
    border-radius:8px; margin-bottom:12px; line-height:0;
  }
  .logo-chip img{margin-bottom:0;}
  .footer-brand .tag{font-weight:600; color:#fff; font-size:0.85rem; text-transform:uppercase; letter-spacing:1px;}
  .footer-brand .slogan{margin-top:6px; color:var(--blue-light);}
  footer h5{color:#fff; font-size:0.9rem; margin-bottom:14px;}
  footer ul{list-style:none; margin:0; padding:0;}
  footer li{margin-bottom:10px;}
  footer a{text-decoration:none; color:var(--blue-light);}
  footer a:hover{color:#fff; text-decoration:underline;}
  .footer-jobs{
    max-width:1200px; margin:36px auto 0; padding-top:28px; border-top:1px solid rgba(255,255,255,0.14);
  }
  .footer-jobs h5{color:#fff; font-size:0.9rem; margin-bottom:10px;}
  .footer-jobs p{color:var(--blue-light); font-size:0.9rem; margin:0 0 10px; max-width:520px;}
  .footer-jobs p a{color:#fff; text-decoration:underline;}
  .footer-jobs-link{color:var(--blue); font-weight:600; text-decoration:none; font-size:0.9rem;}
  .footer-jobs-link:hover{text-decoration:underline;}
  .footer-bottom{
    max-width:1200px; margin:32px auto 0; padding-top:20px; border-top:1px solid rgba(255,255,255,0.14);
    font-size:0.8rem; color:var(--blue-light); display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px;
  }

/* Legal pages */
.legal{padding:56px 24px 80px;}
.legal .wrap{max-width:760px;}
.legal h1{font-size:1.9rem; margin-bottom:8px;}
.legal .updated{color:var(--ink-soft); font-size:0.88rem; margin-bottom:32px;}
.legal h2{font-size:1.15rem; margin-top:34px; margin-bottom:10px;}
.legal p, .legal li{color:var(--ink-soft); font-size:0.97rem; line-height:1.7;}
.legal ul{padding-left:20px;}
.legal a{color:var(--blue); text-decoration:underline;}