:root{--navy:#1D3971;--sky:#68C3EB;--gray:#D2D2D2;--white:#FFFFFF;--black:#000000;--ink:#15233e;--muted:#5e697a;--wash:#f5f7f9;--line:#e4e8ed;--max:1440px;--reading:780px;--pad:clamp(24px,5vw,76px)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:"Helvetica Neue",Arial,sans-serif;background:#fff;color:var(--ink);-webkit-font-smoothing:antialiased;overflow-x:hidden}a{color:inherit;text-decoration:none}img{display:block;max-width:100%}button,input,select,textarea{font:inherit}p{text-wrap:pretty}.site{overflow:hidden}.frame{max-width:var(--max);margin:auto}.skip{position:absolute;left:-9999px;top:10px;z-index:100;background:#fff;color:var(--navy);padding:12px 16px}.skip:focus{left:12px}:focus-visible{outline:3px solid var(--sky);outline-offset:4px}
.nav{position:absolute;z-index:30;top:0;left:0;right:0;padding:22px var(--pad);display:flex;align-items:center;justify-content:space-between;color:#fff;background:rgba(29,57,113,.94);border-bottom:1px solid rgba(255,255,255,.14);backdrop-filter:blur(10px)}.brand{display:flex;align-items:center;gap:22px;min-width:0}.brand-logo{display:block;width:340px;max-width:31vw}.brand-logo img{width:100%;height:auto}.brand-division{display:flex;align-items:center;min-height:36px;padding-left:20px;border-left:1px solid rgba(255,255,255,.35);font-size:13px;font-weight:700;letter-spacing:.18em;text-transform:uppercase;color:var(--sky);white-space:nowrap}.navlinks{display:flex;gap:27px;align-items:center;font-size:15px;font-weight:600;letter-spacing:.035em;text-transform:uppercase}.navlinks a:hover{color:var(--sky)}.navlinks .cta{border:1px solid rgba(255,255,255,.7);padding:13px 18px}.menu-btn{display:none;background:none;border:0;color:#fff;font-size:14px;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:12px;cursor:pointer}.mobile-panel{display:none;position:fixed;z-index:50;inset:0;background:var(--navy);color:#fff;padding:24px}.mobile-panel.open{display:flex;flex-direction:column}.mobile-head{display:flex;align-items:center;justify-content:space-between;border-bottom:1px solid rgba(255,255,255,.18);padding-bottom:18px}.mobile-head img{width:250px;max-width:70vw}.close-btn{background:none;border:0;color:#fff;font-size:28px;line-height:1;padding:8px}.mobile-links{display:grid;margin-top:36px}.mobile-links a{font-size:22px;line-height:1.2;padding:20px 0;border-bottom:1px solid rgba(255,255,255,.15)}.mobile-links .mobile-cta{color:var(--sky)}
.hero{min-height:72vh;display:grid;grid-template-columns:56% 44%;background:var(--navy)}.hero-copy{display:flex;align-items:flex-end;padding:160px var(--pad) 74px;color:#fff}.hero-inner{max-width:800px}.eyebrow{display:flex;align-items:center;gap:14px;font-size:12px;font-weight:700;letter-spacing:.16em;text-transform:uppercase;color:var(--sky);margin-bottom:26px}.eyebrow:before{content:"";width:42px;height:2px;background:var(--sky)}.hero h1{font-size:clamp(44px,4.6vw,68px);line-height:1.03;letter-spacing:-.04em;font-weight:500;margin:0 0 26px;max-width:790px;text-wrap:balance}.hero p{max-width:680px;font-size:clamp(18px,1.2vw,20px);line-height:1.62;color:rgba(255,255,255,.87);margin:0 0 32px}.hero-media{min-height:600px;background-size:cover;background-position:center;position:relative}.hero-media:after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,rgba(29,57,113,.16),rgba(0,0,0,.15))}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:52px;padding:0 22px;background:var(--sky);color:var(--navy);font-weight:800;font-size:13px;letter-spacing:.045em;text-transform:uppercase;border:1px solid var(--sky)}.btn.alt{background:transparent;color:#fff;border-color:rgba(255,255,255,.65)}.actions{display:flex;gap:14px;flex-wrap:wrap}
.section{padding:clamp(76px,8vw,128px) var(--pad)}.section.alt{background:var(--wash)}.section.navy{background:var(--navy);color:#fff}.section.sky{background:var(--sky);color:var(--navy)}.kicker{font-size:12px;font-weight:800;letter-spacing:.16em;text-transform:uppercase;color:var(--navy);margin-bottom:18px}.navy .kicker{color:var(--sky)}.section h2{font-size:clamp(30px,3.2vw,48px);line-height:1.08;letter-spacing:-.035em;font-weight:500;margin:0 0 24px;text-wrap:balance}.lede{font-size:clamp(18px,1.4vw,21px);line-height:1.65;color:var(--muted);max-width:820px}.navy .lede{color:rgba(255,255,255,.8)}.intro-grid{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(320px,.85fr);gap:clamp(48px,8vw,120px);align-items:start}.bodycopy{max-width:var(--reading)}.bodycopy p{font-size:17px;line-height:1.78;color:#3e4b60;margin:0 0 22px}.bodycopy h3{font-size:24px;line-height:1.2;margin:42px 0 14px;color:var(--navy)}.rule-list{border-top:1px solid var(--line)}.rule-item{display:grid;grid-template-columns:48px 1fr;gap:20px;padding:24px 0;border-bottom:1px solid var(--line)}.rule-num{font-size:12px;font-weight:800;letter-spacing:.12em;color:var(--sky)}.rule-item h3{font-size:20px;margin:0 0 8px}.rule-item p{margin:0;color:var(--muted);line-height:1.65}.feature-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:1px;background:var(--line);border:1px solid var(--line)}.feature{background:#fff;padding:34px}.feature h3{margin:0 0 12px;font-size:22px;color:var(--navy)}.feature p{margin:0;color:var(--muted);line-height:1.65;font-size:16px}.navy .feature{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.13)}.navy .feature h3{color:#fff}.navy .feature p{color:rgba(255,255,255,.72)}
.quote{border-left:3px solid var(--sky);padding:4px 0 4px 26px;font-size:clamp(24px,2.4vw,34px);line-height:1.35;color:var(--navy);letter-spacing:-.02em}.navy .quote{color:#fff}.statline{display:flex;gap:26px;flex-wrap:wrap;margin-top:30px}.pill{border:1px solid var(--line);padding:12px 16px;font-size:13px;font-weight:700;color:var(--navy);background:#fff}.navy .pill{border-color:rgba(255,255,255,.22);background:transparent;color:#fff}
.form-wrap{display:grid;grid-template-columns:minmax(0,1.15fr) minmax(300px,.85fr);gap:clamp(44px,7vw,100px)}.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:8px}.field.full{grid-column:1/-1}.field label{font-size:13px;font-weight:700;color:var(--navy)}.field input,.field select,.field textarea{width:100%;border:1px solid #cbd3dc;background:#fff;color:var(--ink);padding:15px 14px;border-radius:0;min-height:52px}.field textarea{min-height:150px;resize:vertical}.check{display:flex;align-items:flex-start;gap:10px;font-size:13px;line-height:1.5;color:var(--muted)}.check input{margin-top:4px}.form-note{font-size:13px;line-height:1.6;color:var(--muted)}.contact-aside{border-top:3px solid var(--sky);padding-top:26px}.contact-aside h3{font-size:24px;margin:0 0 12px}.contact-aside p{color:var(--muted);line-height:1.7}.contact-aside dl{margin:30px 0 0}.contact-aside dt{font-size:11px;font-weight:800;letter-spacing:.13em;text-transform:uppercase;color:var(--navy);margin-top:22px}.contact-aside dd{margin:6px 0 0;color:var(--muted);line-height:1.6}
.privacy-nav{position:sticky;top:26px;border-top:3px solid var(--navy);padding-top:18px}.privacy-nav a{display:block;padding:8px 0;font-size:14px;color:var(--muted)}.privacy-nav a:hover{color:var(--navy)}.legal h2{font-size:30px;margin-top:52px}.legal h3{font-size:22px;margin-top:34px}.legal p,.legal li{font-size:16px;line-height:1.75;color:#3e4b60}.legal ul{padding-left:22px}.legal .updated{font-size:13px;color:var(--muted);border-bottom:1px solid var(--line);padding-bottom:20px;margin-bottom:30px}
.cluster{padding:34px 0;border-top:1px solid var(--line);display:grid;grid-template-columns:minmax(190px,.34fr) 1fr;gap:40px}.cluster h3{font-size:24px;margin:0;color:var(--navy)}.cluster p{margin:8px 0 0;color:var(--muted);line-height:1.65}.topics{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}.topic{border:1px solid var(--line);padding:20px;background:#fff}.topic strong{display:block;color:var(--navy);margin-bottom:7px}.topic span{font-size:14px;line-height:1.55;color:var(--muted)}
.prefooter{padding:clamp(64px,7vw,108px) var(--pad);background:var(--sky);color:var(--navy);display:flex;justify-content:space-between;gap:40px;align-items:flex-end}.prefooter h2{max-width:820px;font-size:clamp(32px,3.8vw,54px);line-height:1.06;letter-spacing:-.04em;font-weight:500;margin:0}.prefooter .btn{background:var(--navy);color:#fff;border-color:var(--navy);white-space:nowrap}.footer{background:var(--navy);color:#fff;padding:70px var(--pad) 28px}.footer-grid{display:grid;grid-template-columns:1.55fr repeat(3,1fr);gap:50px}.footer-brand img{width:330px;max-width:100%;margin-bottom:24px}.footer-brand p{max-width:420px;color:rgba(255,255,255,.68);line-height:1.65}.footer-col-title{font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:800;color:var(--sky);margin-bottom:20px}.footer-links{display:grid;gap:13px}.footer-links a{color:rgba(255,255,255,.78);font-size:14px}.footer-links a:hover{color:#fff}.footer-rule{height:1px;background:rgba(255,255,255,.15);margin:55px 0 24px}.footer-bottom{display:flex;justify-content:space-between;gap:20px;align-items:center;font-size:12px;color:rgba(255,255,255,.55)}.footer-bottom-links{display:flex;gap:22px}
@media(max-width:1080px){.navlinks{display:none}.menu-btn{display:block}.brand-logo{width:300px;max-width:55vw}.hero{grid-template-columns:1fr}.hero-copy{min-height:650px}.hero-media{min-height:420px}.intro-grid,.form-wrap{grid-template-columns:1fr}.footer-grid{grid-template-columns:1.4fr 1fr 1fr}.footer-grid>div:last-child{grid-column:2/4}.cluster{grid-template-columns:1fr}}
@media(max-width:720px){:root{--pad:24px}.nav{padding:18px 20px}.brand{gap:12px}.brand-logo{width:215px;max-width:64vw}.brand-division{display:none}.hero{min-height:auto}.hero-copy{min-height:590px;padding:130px 24px 54px}.hero h1{font-size:clamp(34px,10vw,44px)}.hero p{font-size:17px}.hero-media{min-height:300px}.section{padding:72px 24px}.section h2{font-size:clamp(28px,8vw,36px)}.feature-grid,.topics,.form{grid-template-columns:1fr}.field.full{grid-column:auto}.rule-item{grid-template-columns:34px 1fr;gap:12px}.prefooter{padding:62px 24px;display:block}.prefooter .btn{margin-top:28px}.footer{padding:58px 24px 26px}.footer-grid{grid-template-columns:1fr;gap:34px}.footer-grid>div:last-child{grid-column:auto}.footer-bottom{display:block;line-height:1.7}.footer-bottom-links{margin-top:10px;display:block}.cluster{gap:18px}.privacy-nav{position:static;margin-bottom:30px}.quote{font-size:24px}.actions .btn{width:100%}}