:root{--navy:#14253d;--blue:#2f5fa7;--teal:#176b6b;--ink:#1f2937;--muted:#54606e;--ice:#ecf1f6;--line:#dce4ec;--white:#fff;--gold:#b27a1f}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Lato,Arial,sans-serif;font-size:17px;line-height:1.65}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}button{font:inherit}.wrap{max-width:1170px;margin:auto;padding:0 30px}.site-header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(12px)}.header-in{display:flex;align-items:center;justify-content:space-between;gap:30px;min-height:82px}.brand{font-weight:900;color:var(--navy);font-size:27px;letter-spacing:.05em;line-height:1}.brand small{display:block;font-size:10px;letter-spacing:.13em;font-weight:700;margin-top:8px;color:var(--muted)}nav{display:flex;align-items:center;gap:26px}nav a{color:var(--navy);font-size:14px;font-weight:800}nav a.active{color:var(--blue)}.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:7px;background:var(--blue);color:#fff!important;font-weight:800;font-size:15px;min-height:46px;border:1px solid var(--blue);text-decoration:none!important;transition:transform .15s,background .15s}.btn:hover{background:#214a89;transform:translateY(-1px)}.btn.alt{color:var(--navy)!important;border-color:#b7c8da;background:white}.btn.alt:hover{background:var(--ice)}.menu-toggle{display:none;background:none;border:0;color:var(--navy);font-size:25px;cursor:pointer}.hero{background:linear-gradient(125deg,#f5f8fb 0%,#e8f0f6 65%,#e8f4f2 100%);padding:95px 0 87px;overflow:hidden}.hero-grid{display:grid;grid-template-columns:1.12fr .88fr;gap:60px;align-items:center}.eyebrow{font-size:13px;font-weight:900;color:var(--teal);letter-spacing:.15em;text-transform:uppercase;margin:0 0 17px}.hero h1{font-size:clamp(39px,4.5vw,63px);line-height:1.12;letter-spacing:-.043em;color:var(--navy);margin:0 0 24px;font-weight:900}.hero p.lead,.lead{font-size:21px;line-height:1.55;color:#415064;max-width:720px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:29px}.promise{font-size:13px;color:var(--teal);font-weight:900;letter-spacing:.08em;margin-top:34px}.hero-art{border:1px solid #c8d8e5;background:#fff;border-radius:22px;box-shadow:0 24px 55px #14253d19;padding:31px;position:relative}.art-head{color:var(--navy);font-weight:900;font-size:18px;margin-bottom:22px}.art-line{display:flex;align-items:center;gap:12px;margin:10px 0}.art-node{border-radius:9px;padding:14px 15px;flex:1;font-size:14px;font-weight:800;background:#edf2f9;color:var(--navy);text-align:center}.art-node.teal{background:#e1f1ed;color:#176b6b}.art-node.gold{background:#f6edd9;color:#8a611b}.art-arrow{color:#7a93ad;font-size:21px}.art-foot{border-top:1px solid var(--line);margin-top:22px;padding-top:20px;color:var(--muted);font-size:13px}.section{padding:83px 0}.section.soft{background:#f5f8fb}.section.dark{background:var(--navy);color:white}.section.dark h2,.section.dark h3{color:white}.section.dark p{color:#d3dfec}.kicker{font-size:12px;font-weight:900;letter-spacing:.13em;text-transform:uppercase;color:var(--teal);margin-bottom:9px}h2{font-size:clamp(29px,3.1vw,43px);line-height:1.18;letter-spacing:-.033em;color:var(--navy);margin:0 0 22px}h3{color:var(--navy);font-size:22px;line-height:1.25;margin:0 0 13px}p{margin:0 0 18px}.section-intro{max-width:760px;font-size:19px;color:#4a5969}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:34px}.card{border:1px solid var(--line);border-radius:14px;background:white;padding:29px;box-shadow:0 4px 15px #14253d08}.card p{font-size:16px}.card .num{display:inline-block;color:var(--teal);font-weight:900;font-size:13px;letter-spacing:.08em;margin-bottom:20px}.card.featured{border-top:4px solid var(--blue)}.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:10px}.flow>div{background:#fff;border:1px solid #ccd9e7;padding:18px;border-radius:10px;color:var(--navy);font-weight:900;min-height:90px}.flow span{display:block;font-size:13px;font-weight:500;color:#526174;line-height:1.4;margin-top:7px}.inline-link{font-weight:900}.band{background:var(--navy);color:white;padding:45px 0}.band-row{display:flex;align-items:center;justify-content:space-between;gap:26px}.band h2{font-size:30px;margin:0;color:white}.band p{margin:8px 0 0;color:#d8e4ee}.page-top{background:var(--ice);padding:80px 0 70px}.page-top h1{font-size:clamp(38px,4vw,54px);line-height:1.13;letter-spacing:-.035em;color:var(--navy);margin:0 0 15px;max-width:900px}.page-top p{font-size:20px;max-width:820px;color:#47566a}.checklist{padding-left:22px}.checklist li{margin:10px 0}.steps{counter-reset:step;display:grid;grid-template-columns:repeat(2,1fr);gap:18px;margin-top:33px}.step{border:1px solid var(--line);border-radius:12px;padding:25px 25px 23px;background:white}.step strong{display:block;color:var(--navy);font-size:19px}.step:before{counter-increment:step;content:'0' counter(step);display:block;color:var(--teal);font-weight:900;margin-bottom:8px}.quote{border-left:4px solid var(--teal);padding:12px 0 12px 24px;color:var(--navy);font-size:25px;font-weight:800;line-height:1.4}.tag{display:inline-block;background:#e5eff7;border-radius:100px;padding:4px 12px;font-size:12px;color:var(--blue);font-weight:800;margin:0 6px 12px 0}.meta{font-size:13px;color:var(--muted)}.footer{background:#0d1b2e;color:#d2dfed;padding:60px 0 25px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:40px}.footer h3,.footer a{color:#fff}.footer a{display:block;font-size:14px;margin-bottom:10px}.footer p{font-size:14px}.copyright{border-top:1px solid #385068;margin-top:35px;padding-top:19px;font-size:12px;color:#b2c2d3}.notice{padding:17px 21px;border-left:4px solid var(--gold);background:#fff8e9;color:#65522d;border-radius:4px;font-size:14px}.prose{max-width:800px}.article-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.article{border:1px solid var(--line);border-radius:12px;padding:26px;background:white}.article h3{margin-top:4px}.contact-panel{background:white;padding:35px;border-radius:14px;border:1px solid var(--line)}.field{margin-bottom:19px}.field label{display:block;font-weight:800;font-size:14px;margin-bottom:6px}.field input,.field textarea{width:100%;font:inherit;padding:12px;border:1px solid #b5c5d5;border-radius:7px;background:#f7f9fb}.field input:focus,.field textarea:focus{outline:2px solid var(--blue)}.draft-note{background:#fff9ee;border-top:1px solid #efdcaf;padding:9px;text-align:center;font-size:12px;color:#745b26}.svg-icon{width:52px;height:52px;color:var(--teal);margin-bottom:18px}.small{font-size:14px;color:var(--muted)}
@media(max-width:860px){.hero-grid,.split{grid-template-columns:1fr;gap:35px}.hero{padding:65px 0}.hero-art{max-width:580px}.cards{grid-template-columns:1fr 1fr}.flow{grid-template-columns:repeat(2,1fr)}nav{display:none;position:absolute;left:0;right:0;top:81px;background:white;padding:20px 30px 26px;box-shadow:0 15px 20px #14253d1f;flex-direction:column;align-items:stretch;gap:15px}nav.open{display:flex}.menu-toggle{display:block}.section{padding:62px 0}}@media(max-width:580px){.wrap{padding:0 20px}.cards,.steps,.article-list,.footer-grid{grid-template-columns:1fr}.flow{grid-template-columns:1fr 1fr}.flow>div{padding:13px;min-height:80px}.band-row{align-items:start;flex-direction:column}.hero h1{font-size:40px}.hero-art{padding:21px}.art-line{gap:5px}.art-node{font-size:12px;padding:9px}.section-intro,.lead,.hero p.lead{font-size:18px}}

/* Approved editorial refresh */
html{scroll-behavior:smooth}section[id],div[id]{scroll-margin-top:95px}.hero-image img,.business-art img{display:block;width:100%;height:auto;object-fit:contain}.hero-image{background:#fff;border-radius:18px;overflow:hidden;box-shadow:0 16px 46px rgba(15,42,64,.09);padding:6px}.business-art{border-radius:20px;overflow:hidden;background:#fff;box-shadow:0 15px 35px rgba(15,42,64,.07)}.business-split{grid-template-columns:minmax(0,1fr) minmax(0,1.12fr)}.question{font-size:1.12rem;line-height:1.55}.why-card{display:flex;flex-direction:column;justify-content:center;gap:16px}.why-card .quote{font-size:1.45rem;line-height:1.4}.section-link{margin-top:22px}.section-head-row{display:flex;justify-content:space-between;align-items:center;gap:20px}.section-head-row h2{max-width:750px}.section-head-row .btn{white-space:nowrap}.note-under{margin-top:28px;color:#425c6b}.quiet{font-size:.9rem;color:#657887}@media(max-width:850px){.business-split{grid-template-columns:1fr}.section-head-row{align-items:flex-start;flex-direction:column}.hero-image{max-width:580px}}

.visually-hidden{position:absolute;width:1px;height:1px;padding:0;margin:-1px;overflow:hidden;clip:rect(0,0,0,0);white-space:nowrap;border:0}.blog-article h1{display:none}.blog-article h2{margin-top:36px}.blog-article ul{padding-left:26px}.blog-article li{margin:10px 0}