@import url('https://fonts.googleapis.com/css2?family=Inter:wght@400;500;600;700;800&display=swap');
:root{--navy:#12304a;--blue:#1f6793;--ink:#17232d;--muted:#60717d;--paper:#f2f5f7;--white:#fff;--metal:#dce4e8;--shadow:0 12px 32px rgba(18,48,74,.10)}*{box-sizing:border-box}html{background:var(--paper);scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Inter,Arial,sans-serif;line-height:1.6}.wrap{max-width:1280px;margin:0 auto;padding:0 28px}.site-header{background:var(--white);border-bottom:1px solid var(--metal);position:sticky;top:0;z-index:5}.nav-wrap{min-height:76px;display:flex;align-items:center;justify-content:space-between;gap:28px}.brand{color:var(--navy);font-weight:800;font-size:1.3rem;text-decoration:none;letter-spacing:-.04em}.main-nav{display:flex;gap:20px;align-items:center}.main-nav a,.site-footer a{color:inherit;text-decoration:none}.main-nav a:hover,.site-footer a:hover{color:var(--blue)}.menu-toggle{display:none;background:var(--navy);color:var(--white);border:0;padding:10px 14px;border-radius:6px}.hero{min-height:85vh;position:relative;display:flex;align-items:center;overflow:hidden;background:var(--navy);color:var(--white)}.hero img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover;z-index:0}.hero:after{content:'';position:absolute;inset:0;background:linear-gradient(110deg,rgba(0,0,0,.72),rgba(0,0,0,.28));z-index:1}.hero-content{position:relative;z-index:2;max-width:780px;padding:100px 28px}.hero h1,.hero p{color:var(--white)}h1,h2,h3{line-height:1.2}h1{font-size:clamp(2.5rem,6vw,5.8rem);letter-spacing:-.06em;margin:0 0 24px}h2{font-size:clamp(1.8rem,3vw,3rem);color:var(--navy);margin:0 0 18px}h3{color:var(--navy);margin:0 0 10px}.lead{font-size:1.2rem;max-width:680px}.btn{display:inline-block;background:var(--blue);color:var(--white);padding:13px 20px;text-decoration:none;border-radius:6px;font-weight:700}.section{padding:90px 0}.section-light{background:var(--white);color:var(--ink)}.section-light h2,.section-light h3,.section-light p{color:var(--ink)}.section-muted{background:var(--paper);color:var(--ink)}.section-muted h2,.section-muted h3,.section-muted p{color:var(--ink)}.dark-section{background:var(--navy);color:var(--white)}.dark-section h2,.dark-section h3,.dark-section p{color:var(--white)}.grid-3,.grid-2,.stats,.article-grid{display:grid;gap:28px}.grid-3{grid-template-columns:repeat(3,1fr)}.grid-2{grid-template-columns:repeat(2,1fr);align-items:center}.stats{grid-template-columns:repeat(4,1fr)}.article-grid{grid-template-columns:repeat(3,1fr)}.card,.stat,.callout,.table-wrap{background:var(--white);padding:28px;border-radius:10px;box-shadow:var(--shadow)}.card img,.article-card img{width:100%;height:220px;object-fit:cover;border-radius:6px;margin-bottom:18px}.stat{background:var(--navy);color:var(--white)}.stat strong{display:block;font-size:2.7rem}.stat span{color:var(--white)}.split-image{width:100%;height:420px;object-fit:cover;border-radius:10px;box-shadow:var(--shadow)}table{width:100%;border-collapse:collapse;background:var(--white)}th,td{padding:15px;border-bottom:1px solid var(--metal);text-align:left}th{background:var(--navy);color:var(--white)}.steps{counter-reset:step;display:grid;gap:18px}.step{padding:20px 20px 20px 65px;background:var(--white);position:relative;border-left:4px solid var(--blue)}.step:before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:20px;color:var(--blue);font-weight:800;font-size:1.4rem}.quote{font-size:1.35rem;border-left:5px solid var(--blue);padding:24px 30px;margin:0;color:var(--navy);background:var(--white)}.faq-item{border-bottom:1px solid var(--metal);padding:22px 0}.faq-item h3{font-size:1.1rem}.page-intro{padding:90px 0 45px;background:var(--white)}.page-intro p{max-width:760px}.prose{max-width:950px}.prose h2{margin-top:48px}.prose p,.prose li{color:var(--ink)}.prose ul,.prose ol{padding-left:24px}.site-footer{background:var(--navy);color:var(--white);padding:64px 0 20px}.site-footer h2,.site-footer p,.site-footer a{color:var(--white)}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.3fr;gap:35px}.footer-grid a{display:block;margin:7px 0}.copyright{border-top:1px solid rgba(255,255,255,.25);margin-top:45px;padding-top:18px;color:var(--white);font-size:.9rem}.form-grid{display:grid;gap:16px;max-width:680px}.form-grid label{font-weight:700;color:var(--ink)}input,textarea,select{width:100%;padding:14px;border:1px solid var(--metal);border-radius:6px;font:inherit;background:#fff;color:#17232d}textarea{min-height:160px}.success{background:#e6f4ec;padding:18px;border-left:4px solid #2f8054;color:#164b2e}.notice{padding:22px;background:#eaf1f5;border-left:4px solid var(--blue);color:var(--ink)}
@media(max-width:1023px){.main-nav{gap:12px}.grid-3,.article-grid{grid-template-columns:repeat(2,1fr)}.stats{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:repeat(2,1fr)}}@media(max-width:767px){.wrap{padding:0 18px}.menu-toggle{display:block}.main-nav{display:none;position:absolute;top:76px;left:0;right:0;background:var(--white);padding:20px;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.grid-3,.grid-2,.article-grid,.stats,.footer-grid{grid-template-columns:1fr}.hero-content{padding:90px 18px}.section{padding:60px 0}.hero h1{font-size:3rem}}

/* R_CENTER: stat blocks alignment fix */
.stats{text-align:center}
.stat{text-align:center}
.stat strong,.stat span{text-align:center}

/* R_CENTER: stats section wrap text centering */
.stats .wrap,.stats-grid .wrap,.stat-grid .wrap{text-align:center}
section .stats h2,section .stats h3{text-align:center}

/* LAYOUT FIX: stats section must not apply grid to its wrap child */
section.stats, section.section.stats {
  display:block !important;
}
section.stats .wrap {
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:28px;
  text-align:center;
  justify-items:center;
}
section.stats .wrap h2 {
  grid-column:1/-1;
  text-align:center;
  margin-bottom:24px;
}
section.stats .wrap .grid-4 {
  grid-column:1/-1;
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:28px;
  width:100%;
  text-align:center;
}
section.stats .stat {
  text-align:center;
}

/* S3 LAYOUT FIX */
section.stats {
  display:block !important;
  background:var(--ink);
  color:#fff;
  padding:80px 0;
}
section.stats .wrap {
  display:grid;
  grid-template-columns:repeat(4,1fr);
  gap:28px;
  text-align:center;
}

/* STATS RESPONSIVE FIX */
@media(max-width:1023px){
  section.stats .wrap .grid-4,
  section.stats .stat-grid,
  section.stats .stats-grid,
  section.stats .wrap.stat-grid {
    grid-template-columns:repeat(2,1fr) !important;
  }
}
@media(max-width:767px){
  section.stats .wrap .grid-4,
  section.stats .stat-grid,
  section.stats .stats-grid,
  section.stats .wrap.stat-grid {
    grid-template-columns:1fr !important;
  }
  section.stats .wrap {
    grid-template-columns:1fr !important;
  }
}