:root{
  --navy:#1d1f47;
  --navy-2:#2b2e63;
  --accent:#0f81c7;
  --accent-2:#0b6aa6;
  --ink:#3f3f3f;
  --ink-soft:#6b6b6b;
  --line:#e6e6ea;
  --bg:#ffffff;
  --bg-soft:#f6f7fb;
  --max:1200px;
  --radius:14px;
  --shadow:0 10px 30px rgba(29,31,71,.10);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:"Montserrat",system-ui,-apple-system,Segoe UI,Roboto,Arial,sans-serif;color:var(--ink);background:var(--bg);line-height:1.6;font-size:16px}
img{max-width:100%;display:block}
a{color:var(--navy)}
h1,h2,h3,h4{color:var(--navy);line-height:1.2;margin:0 0 .5em;font-weight:700}
h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.4rem)}
h3{font-size:1.25rem}
p{margin:0 0 1em}
.wrap{max-width:var(--max);margin:0 auto;padding:0 20px}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:8px 12px;z-index:999}
.skip:focus{left:8px;top:8px}

/* buttons */
.btn{display:inline-block;padding:14px 26px;border-radius:999px;font-weight:700;text-decoration:none;border:2px solid transparent;cursor:pointer;font-family:inherit;font-size:1rem;transition:transform .15s ease,background .15s ease,color .15s ease}
.btn:hover{transform:translateY(-1px)}
.btn-green{background:var(--accent);color:#fff}
.btn-green:hover{background:var(--accent-2)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2)}
.btn-outline{background:transparent;color:#fff;border-color:#fff}
.btn-outline:hover{background:#fff;color:var(--navy)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}
.btn-ghost:hover{background:var(--navy);color:#fff}

/* top bar */
.topbar{background:var(--navy);color:#fff;font-size:.85rem}
.topbar .wrap{display:flex;justify-content:space-between;align-items:center;gap:16px;min-height:38px;flex-wrap:wrap;padding-top:6px;padding-bottom:6px}
.topbar a{color:#fff;text-decoration:none;font-weight:600}
.topbar .hours{opacity:.9}

/* header / nav */
.header{position:sticky;top:0;z-index:50;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 2px 12px rgba(0,0,0,.04)}
.header .wrap{display:flex;align-items:center;justify-content:space-between;min-height:82px;gap:20px}
.logo{display:flex;align-items:center;gap:12px;text-decoration:none}
.logo img{height:56px;width:56px;object-fit:contain}
.wordmark{font-weight:600;letter-spacing:.22em;font-size:1.3rem;color:var(--navy);white-space:nowrap}
.wordmark b{color:var(--accent);font-weight:800}
.nav{display:flex;align-items:center;gap:4px;list-style:none;margin:0;padding:0}
.nav>li{position:relative}
.nav a{display:block;padding:10px 12px;color:var(--navy);text-decoration:none;font-weight:600;font-size:.93rem;border-radius:8px}
.nav a:hover,.nav a[aria-current="page"]{color:var(--accent)}
.nav .sub{display:none;position:absolute;top:100%;left:0;background:#fff;min-width:230px;border:1px solid var(--line);border-radius:10px;box-shadow:var(--shadow);padding:8px;list-style:none;margin:0}
.nav li:hover>.sub,.nav li:focus-within>.sub{display:block}
.nav .sub a{padding:10px 12px;font-weight:500}
.nav .has-sub>a::after{content:"▾";font-size:.7em;margin-left:6px;opacity:.6}
.nav-cta{margin-left:8px}
.burger{display:none;background:none;border:0;padding:8px;cursor:pointer}
.burger span{display:block;width:26px;height:3px;background:var(--navy);margin:5px 0;border-radius:2px}

/* hero slider */
.hero{position:relative;min-height:600px;color:#fff;overflow:hidden;background:var(--navy)}
.slide{position:absolute;inset:0;opacity:0;transition:opacity .9s ease;background-size:cover;background-position:center}
.slide.active{opacity:1}
.slide::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(29,31,71,.88) 0%,rgba(29,31,71,.65) 55%,rgba(29,31,71,.25) 100%)}
.slide .wrap{position:relative;min-height:600px;display:flex;align-items:center}
.slide-inner{max-width:620px;padding:70px 0}
.slide h1{color:#fff;margin-bottom:.4em}
.slide p{font-size:1.1rem;margin-bottom:1.6em;opacity:.95}
.dots{position:absolute;bottom:22px;left:50%;transform:translateX(-50%);display:flex;gap:10px;z-index:3}
.dots button{width:12px;height:12px;border-radius:50%;border:2px solid #fff;background:transparent;cursor:pointer;padding:0}
.dots button.active{background:var(--accent);border-color:var(--accent)}

/* strip */
.strip{background:var(--accent);color:#fff;text-align:center;padding:16px 20px;font-weight:700;font-size:1.05rem;letter-spacing:.3px}
.strip span{opacity:.75;margin:0 10px}

/* sections */
.section{padding:72px 0}
.section.soft{background:var(--bg-soft)}
.section-head{text-align:center;max-width:760px;margin:0 auto 44px}
.eyebrow{display:inline-block;color:var(--accent);font-weight:800;letter-spacing:.14em;text-transform:uppercase;font-size:.78rem;margin-bottom:10px}
.grid{display:grid;gap:28px}
.grid-3{grid-template-columns:repeat(3,1fr)}
.grid-2{grid-template-columns:repeat(2,1fr);align-items:center}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px 30px;box-shadow:var(--shadow);display:flex;flex-direction:column}
.card .icon{width:56px;height:56px;border-radius:14px;background:rgba(15,129,199,.12);display:grid;place-items:center;margin-bottom:18px;color:var(--accent)}
.card .icon svg{width:30px;height:30px}
.card h3{margin-bottom:.4em}
.card p{color:var(--ink-soft);flex:1}
.card .links{list-style:none;padding:0;margin:0 0 18px}
.card .links li{padding:8px 0;border-bottom:1px dashed var(--line)}
.card .links a{text-decoration:none;font-weight:600}
.card .links a:hover{color:var(--accent)}
.media{border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.media img{width:100%;height:100%;object-fit:cover;aspect-ratio:3/2}
.checks{list-style:none;padding:0;margin:0 0 1.2em}
.checks li{position:relative;padding-left:34px;margin:10px 0}
.checks li::before{content:"";position:absolute;left:0;top:4px;width:22px;height:22px;border-radius:50%;background:var(--accent);
  -webkit-mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><circle cx="12" cy="12" r="12" fill="black"/><path d="M7 12.5l3 3 7-7" stroke="white" stroke-width="2.4" fill="none" stroke-linecap="round" stroke-linejoin="round"/></svg>') center/contain no-repeat;
  mask:url('data:image/svg+xml;utf8,<svg xmlns="http://www.w3.org/2000/svg" viewBox="0 0 24 24"><circle cx="12" cy="12" r="12" fill="black"/><path d="M7 12.5l3 3 7-7" stroke="white" stroke-width="2.4" fill="none" stroke-linecap="round" stroke-linejoin="round"/></svg>') center/contain no-repeat}

/* team */
.team{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:28px;max-width:900px;margin:0 auto}
.member{background:#fff;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow);padding:34px;text-align:center}
.avatar{width:96px;height:96px;border-radius:50%;margin:0 auto 16px;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800;font-size:1.8rem;letter-spacing:.05em}
.member h3{text-transform:uppercase;letter-spacing:.06em;font-size:1.05rem;margin-bottom:2px}
.member .title{color:var(--accent);font-weight:700;font-size:.9rem;margin-bottom:14px}
.member blockquote{margin:16px 0 0;padding:16px 18px;background:var(--bg-soft);border-left:4px solid var(--accent);text-align:left;font-style:italic;color:var(--ink-soft);border-radius:0 10px 10px 0}

/* page hero */
.page-hero{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);color:#fff;padding:64px 0 56px}
.page-hero h1{color:#fff;margin-bottom:.2em}
.page-hero .lead{font-size:1.15rem;opacity:.92;max-width:720px;margin-bottom:1.4em}
.crumbs{font-size:.85rem;opacity:.8;margin-bottom:14px}
.crumbs a{color:#fff;text-decoration:none}
.crumbs span{margin:0 8px;opacity:.6}

/* content */
.prose{max-width:820px}
.prose h2{margin-top:1.6em}
.prose h3{margin-top:1.4em}
.prose ul{padding-left:1.2em}
.prose li{margin:.35em 0}
.callout{background:var(--bg-soft);border-left:5px solid var(--accent);padding:22px 26px;border-radius:0 12px 12px 0;margin:28px 0}
.paths{display:grid;grid-template-columns:1fr auto 1fr;gap:24px;align-items:stretch;margin:36px 0}
.path{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;box-shadow:var(--shadow)}
.path .num{display:inline-block;background:var(--navy);color:#fff;font-weight:800;padding:6px 14px;border-radius:999px;font-size:.8rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}
.path .tiles{display:grid;grid-template-columns:1fr 1fr;gap:12px;margin-top:16px}
.path .tiles a{display:block;background:var(--bg-soft);border-radius:10px;padding:14px;text-align:center;font-weight:700;text-decoration:none;border:1px solid var(--line)}
.path .tiles a:hover{border-color:var(--accent);color:var(--accent)}
.andor{align-self:center;font-weight:800;color:var(--accent);text-transform:uppercase;letter-spacing:.1em}

table.tbl{width:100%;border-collapse:collapse;background:#fff;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);font-size:.95rem}
.tbl th,.tbl td{padding:14px 16px;border-bottom:1px solid var(--line);text-align:left;vertical-align:top}
.tbl th{background:var(--navy);color:#fff;font-weight:700}
.tbl tr:last-child td{border-bottom:0}
.tbl td.c{text-align:center;font-weight:700}
.tbl .yes{color:var(--accent)}
.tbl .no{color:#c33}
.tbl-wrap{overflow-x:auto;margin:28px 0}

/* faq */
.faq details{background:#fff;border:1px solid var(--line);border-radius:12px;margin:12px 0;box-shadow:var(--shadow)}
.faq summary{cursor:pointer;padding:18px 22px;font-weight:700;color:var(--navy);list-style:none;display:flex;justify-content:space-between;gap:16px}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";color:var(--accent);font-weight:800;font-size:1.3rem;line-height:1}
.faq details[open] summary::after{content:"–"}
.faq .ans{padding:0 22px 20px;color:var(--ink-soft)}

/* forms */
.form{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:34px;box-shadow:var(--shadow)}
.form .row{display:grid;grid-template-columns:1fr 1fr;gap:18px}
.field{display:flex;flex-direction:column;gap:6px;margin-bottom:18px}
.field label{font-weight:700;font-size:.9rem;color:var(--navy)}
.field input,.field select,.field textarea{font:inherit;padding:12px 14px;border:1px solid #cfd2dc;border-radius:10px;background:#fff}
.field input:focus,.field select:focus,.field textarea:focus{outline:2px solid var(--accent);border-color:var(--accent)}
.field textarea{min-height:130px;resize:vertical}
.hp{position:absolute;left:-9999px}
.radio{display:flex;gap:18px;align-items:center;font-weight:500}
.radio label{font-weight:500;display:flex;gap:6px;align-items:center}
.form .note{font-size:.82rem;color:var(--ink-soft);margin-top:12px}
.form-ok{display:none;background:rgba(15,129,199,.10);border:1px solid var(--accent);color:var(--navy);padding:16px;border-radius:10px;margin-top:16px;font-weight:600}
.contact-side{display:grid;gap:18px}
.contact-side .card{padding:26px}
.contact-side a{text-decoration:none;font-weight:700}

/* footer */
.cta-band{background:var(--accent);color:#fff;padding:56px 0;text-align:center}
.cta-band h2{color:#fff}
.footer{background:var(--navy);color:#cfd1e6;padding:56px 0 28px;font-size:.9rem}
.footer .cols{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:36px;margin-bottom:36px}
.footer h4{color:#fff;margin-bottom:14px;font-size:1rem}
.footer ul{list-style:none;padding:0;margin:0}
.footer li{margin:8px 0}
.footer a{color:#fff;text-decoration:none}
.footer a:hover{color:var(--accent)}
.footer .logo img{height:64px;width:64px}
.footer .wordmark{color:#fff}
.disclaimer{border-top:1px solid rgba(255,255,255,.14);padding-top:24px;font-size:.78rem;line-height:1.6;color:#b7b9d3}
.disclaimer p{margin-bottom:.8em}
.legal{display:flex;flex-wrap:wrap;gap:8px 18px;justify-content:space-between;align-items:center;margin-top:18px;font-size:.8rem}
.legal .links a{margin-right:14px}

/* floating CTA */
.float-cta{position:fixed;right:18px;bottom:18px;z-index:60;background:#fff;border-radius:16px;box-shadow:0 14px 40px rgba(29,31,71,.25);padding:14px 16px;display:flex;gap:14px;align-items:center;border:1px solid var(--line);max-width:340px}
.float-cta .ic{width:44px;height:44px;border-radius:12px;background:var(--accent);display:grid;place-items:center;color:#fff;flex:none}
.float-cta strong{display:block;color:var(--navy);font-size:.95rem}
.float-cta small{color:var(--ink-soft)}
.float-cta a{color:var(--accent);font-weight:800;text-decoration:none}
.float-cta .x{position:absolute;top:-10px;right:-10px;width:26px;height:26px;border-radius:50%;background:var(--navy);color:#fff;border:0;cursor:pointer;font-weight:800;line-height:1}

@media (max-width:1024px){
  .grid-3{grid-template-columns:1fr 1fr}
  .footer .cols{grid-template-columns:1fr 1fr}
  .nav a{padding:10px 8px;font-size:.88rem}
}
@media (max-width:860px){
  .burger{display:block}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:12px 20px 20px;border-bottom:1px solid var(--line);box-shadow:var(--shadow)}
  .nav.open{display:flex}
  .nav .sub{position:static;display:block;border:0;box-shadow:none;padding:0 0 0 14px}
  .nav .has-sub>a::after{content:""}
  .nav-cta{margin:10px 0 0}
  .grid-3,.grid-2{grid-template-columns:1fr}
  .paths{grid-template-columns:1fr}
  .andor{text-align:center}
  .form .row{grid-template-columns:1fr}
  .hero,.slide .wrap{min-height:520px}
  .footer .cols{grid-template-columns:1fr}
  .float-cta{right:12px;left:12px;max-width:none}
  .topbar .wrap{justify-content:center;text-align:center}
}