:root {
  --navy: #123252;
  --navy-2: #0b2238;
  --gold: #cb942a;
  --gold-dark: #9e6d12;
  --charcoal: #27313b;
  --muted: #5f6b76;
  --line: #d8dee5;
  --surface: #f4f6f8;
  --surface-2: #e9eef3;
  --white: #ffffff;
  --success: #246b48;
  --danger: #9e2b2b;
  --shadow: 0 14px 38px rgba(15, 35, 53, .10);
  --radius: 14px;
  --max-width: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--charcoal);
  background: var(--white);
  font-family: "Source Sans 3", "Segoe UI", Arial, sans-serif;
  line-height: 1.65;
  font-size: 17px;
}
img, svg, iframe { max-width: 100%; }
a { color: var(--navy); text-underline-offset: .18em; }
a:hover { color: var(--gold-dark); }
button, a { -webkit-tap-highlight-color: transparent; }
button, input, textarea, select { font: inherit; }
[hidden] { display: none !important; }
.skip-link {
  position: fixed;
  left: 1rem;
  top: -6rem;
  z-index: 9999;
  padding: .8rem 1rem;
  color: #fff;
  background: var(--navy);
  border-radius: .4rem;
}
.skip-link:focus { top: 1rem; }

.site-header {
  position: sticky;
  top: 0;
  z-index: 1000;
  border-bottom: 1px solid rgba(18, 50, 82, .12);
  background: rgba(255,255,255,.97);
  backdrop-filter: blur(12px);
}
.header-inner {
  width: min(calc(100% - 2rem), var(--max-width));
  min-height: 86px;
  margin-inline: auto;
  display: flex;
  align-items: center;
  gap: 1.2rem;
}
.brand {
  display: flex;
  align-items: center;
  gap: .75rem;
  text-decoration: none;
  min-width: 225px;
}
.brand img { width: 220px; height: auto; display: block; }
.nav-toggle {
  display: none;
  margin-left: auto;
  border: 1px solid var(--line);
  background: #fff;
  color: var(--navy);
  padding: .65rem .85rem;
  border-radius: .5rem;
  font-weight: 700;
}
.primary-nav { margin-left: auto; }
.primary-nav > ul {
  list-style: none;
  padding: 0;
  margin: 0;
  display: flex;
  align-items: center;
  gap: .15rem;
}
.primary-nav a,
.nav-dropdown summary {
  display: block;
  padding: .72rem .68rem;
  border-radius: .45rem;
  color: var(--navy);
  text-decoration: none;
  font-weight: 700;
  font-size: .96rem;
  cursor: pointer;
  white-space: nowrap;
}
.primary-nav a:hover,
.primary-nav a:focus-visible,
.nav-dropdown summary:hover,
.nav-dropdown summary:focus-visible,
.primary-nav a.is-active {
  background: var(--surface);
  color: var(--gold-dark);
}
.nav-dropdown { position: relative; }
.nav-dropdown summary { list-style: none; }
.nav-dropdown summary::-webkit-details-marker { display: none; }
.nav-dropdown summary::after { content: " ▾"; font-size: .75em; }
.nav-dropdown-menu {
  position: absolute;
  top: calc(100% + .35rem);
  left: 0;
  z-index: 30;
  width: 310px;
  padding: .45rem;
  margin: 0;
  list-style: none;
  background: #fff;
  border: 1px solid var(--line);
  border-radius: .7rem;
  box-shadow: var(--shadow);
}
.nav-dropdown-menu a { white-space: normal; }
.header-actions {
  display: flex;
  align-items: center;
  gap: .45rem;
}
.lang-switcher {
  display: inline-flex;
  border: 1px solid var(--line);
  border-radius: 999px;
  padding: .2rem;
  background: var(--surface);
}
.lang-switcher button {
  border: 0;
  border-radius: 999px;
  background: transparent;
  color: var(--navy);
  font-weight: 800;
  font-size: .8rem;
  padding: .42rem .55rem;
  cursor: pointer;
}
.lang-switcher button[aria-pressed="true"] {
  background: var(--navy);
  color: #fff;
}
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: .45rem;
  min-height: 46px;
  padding: .72rem 1.05rem;
  border: 2px solid var(--navy);
  border-radius: .55rem;
  background: var(--navy);
  color: #fff;
  font-weight: 800;
  text-decoration: none;
  line-height: 1.2;
}
.btn:hover, .btn:focus-visible {
  background: var(--navy-2);
  border-color: var(--navy-2);
  color: #fff;
}
.btn-secondary {
  color: var(--navy);
  background: #fff;
}
.btn-secondary:hover, .btn-secondary:focus-visible {
  color: #fff;
  background: var(--navy);
}
.btn-gold {
  color: var(--navy-2);
  background: var(--gold);
  border-color: var(--gold);
}
.btn-gold:hover, .btn-gold:focus-visible {
  color: #fff;
  background: var(--gold-dark);
  border-color: var(--gold-dark);
}
.header-cta { font-size: .9rem; padding-inline: .8rem; }

main { overflow: clip; }
.container { width: min(calc(100% - 2rem), var(--max-width)); margin-inline: auto; }
.narrow { width: min(calc(100% - 2rem), 850px); margin-inline: auto; }
.section { padding: 4.5rem 0; }
.section-sm { padding: 2.7rem 0; }
.section-surface { background: var(--surface); }
.section-dark { background: var(--navy-2); color: #fff; }
.section-dark a { color: #fff; }
.eyebrow {
  display: inline-block;
  margin-bottom: .7rem;
  color: var(--gold-dark);
  font-weight: 900;
  letter-spacing: .08em;
  text-transform: uppercase;
  font-size: .82rem;
}
.section-dark .eyebrow { color: #f0bd5e; }
h1, h2, h3, h4 {
  margin: 0 0 .8rem;
  color: var(--navy);
  font-family: "Montserrat", "Segoe UI", Arial, sans-serif;
  line-height: 1.2;
}
.section-dark h1, .section-dark h2, .section-dark h3 { color: #fff; }
h1 { font-size: clamp(2.35rem, 5vw, 4.7rem); letter-spacing: -.035em; }
h2 { font-size: clamp(1.8rem, 3vw, 2.7rem); letter-spacing: -.025em; }
h3 { font-size: clamp(1.18rem, 2vw, 1.48rem); }
.lead { font-size: clamp(1.12rem, 1.7vw, 1.35rem); color: var(--muted); max-width: 75ch; }
.section-dark .lead { color: rgba(255,255,255,.82); }
.muted { color: var(--muted); }
.text-gold { color: var(--gold-dark); }
.hero {
  position: relative;
  min-height: 670px;
  display: grid;
  align-items: center;
  padding: 5rem 0;
  background:
    linear-gradient(100deg, rgba(10,34,56,.97) 0%, rgba(10,34,56,.87) 52%, rgba(10,34,56,.64) 100%),
    linear-gradient(135deg, #153a5d, #0d263f);
  color: #fff;
}
.hero::after {
  content: "";
  position: absolute;
  inset: 0;
  opacity: .12;
  background-image:
    linear-gradient(rgba(255,255,255,.25) 1px, transparent 1px),
    linear-gradient(90deg, rgba(255,255,255,.25) 1px, transparent 1px);
  background-size: 42px 42px;
  pointer-events: none;
}
.hero .container { position: relative; z-index: 1; }
.hero h1 { max-width: 980px; color: #fff; }
.hero .lead { color: rgba(255,255,255,.86); max-width: 820px; }
.hero-actions { display: flex; flex-wrap: wrap; gap: .8rem; margin-top: 1.6rem; }
.hero-badge {
  display: inline-flex;
  align-items: center;
  gap: .55rem;
  margin-bottom: 1rem;
  padding: .45rem .8rem;
  border: 1px solid rgba(255,255,255,.25);
  border-radius: 999px;
  background: rgba(255,255,255,.08);
  color: #fff;
  font-weight: 700;
}
.page-hero {
  padding: 4.8rem 0 4.2rem;
  color: #fff;
  background: linear-gradient(120deg, var(--navy-2), var(--navy));
}
.page-hero h1 { color: #fff; font-size: clamp(2.3rem, 4.2vw, 4rem); }
.page-hero .lead { color: rgba(255,255,255,.82); }
.breadcrumbs { font-size: .92rem; margin-bottom: 1.2rem; color: rgba(255,255,255,.72); }
.breadcrumbs a { color: #fff; }

.grid { display: grid; gap: 1.3rem; }
.grid-2 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
.grid-3 { grid-template-columns: repeat(3, minmax(0, 1fr)); }
.grid-4 { grid-template-columns: repeat(4, minmax(0, 1fr)); }
.card {
  height: 100%;
  padding: 1.45rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  box-shadow: 0 10px 28px rgba(15,35,53,.06);
}
.card h3 { margin-top: .15rem; }
.card-link { text-decoration: none; color: inherit; transition: transform .18s ease, box-shadow .18s ease; }
.card-link:hover { color: inherit; transform: translateY(-3px); box-shadow: var(--shadow); }
.card-icon {
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  margin-bottom: .9rem;
  border-radius: 12px;
  background: var(--surface);
  color: var(--gold-dark);
  font-family: "Montserrat", sans-serif;
  font-weight: 900;
}
.stat-placeholder {
  min-height: 150px;
  display: grid;
  place-items: center;
  padding: 1rem;
  border: 2px dashed #abb7c2;
  border-radius: var(--radius);
  color: var(--muted);
  text-align: center;
  background: #fff;
}
.statement-banner {
  padding: 1.55rem 0;
  background: var(--gold);
  color: var(--navy-2);
  text-align: center;
}
.statement-banner strong { font: 900 clamp(1.4rem, 3vw, 2.15rem)/1.2 "Montserrat", sans-serif; }

.media-placeholder {
  min-height: 270px;
  margin: 0;
  display: grid;
  place-items: center;
  padding: 1.2rem;
  border: 2px dashed #9eabb8;
  border-radius: var(--radius);
  background:
    linear-gradient(135deg, rgba(18,50,82,.04), rgba(203,148,42,.08)),
    repeating-linear-gradient(45deg, transparent, transparent 18px, rgba(18,50,82,.025) 18px, rgba(18,50,82,.025) 36px);
  color: var(--muted);
  text-align: center;
}
.media-placeholder::before {
  content: "";
  display: block;
  color: var(--gold-dark);
  font: 900 0rem/1 "Montserrat", sans-serif;
  letter-spacing: 0em;
  margin-bottom: 0rem;
}<strong></strong>
.media-placeholder strong {
  display: block;
  color: var(--navy);
  font: 800 1.08rem/1.35 "Montserrat", sans-serif;
}
.media-placeholder small { display: block; margin-top: .4rem; max-width: 46ch; }
.media-placeholder.square { min-height: 240px; aspect-ratio: 1 / 1; }
.media-placeholder.portrait { min-height: 360px; aspect-ratio: 3 / 4; }
.media-placeholder.wide { aspect-ratio: 16 / 9; }
.media-placeholder.logo-slot { min-height: 190px; aspect-ratio: auto; }

.process-flow {
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: 1rem;
  align-items: stretch;
}
.process-flow .flow-step {
  position: relative;
  padding: 1.4rem;
  border-radius: var(--radius);
  color: #fff;
  background: var(--navy);
}
.process-flow .flow-step:not(:last-child)::after {
  content: "→";
  position: absolute;
  right: -.8rem;
  top: 50%;
  z-index: 2;
  transform: translateY(-50%);
  width: 1.6rem;
  height: 1.6rem;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-2);
  font-weight: 900;
}
.numbered-list { counter-reset: step; display: grid; gap: 1rem; }
.numbered-item {
  counter-increment: step;
  display: grid;
  grid-template-columns: 58px 1fr;
  gap: 1rem;
  align-items: start;
  padding: 1.3rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.numbered-item::before {
  content: counter(step, decimal-leading-zero);
  width: 52px;
  height: 52px;
  display: grid;
  place-items: center;
  border-radius: 50%;
  background: var(--navy);
  color: #fff;
  font: 900 .95rem/1 "Montserrat", sans-serif;
}
.check-list { list-style: none; padding: 0; margin: 1rem 0; display: grid; gap: .6rem; }
.check-list li { position: relative; padding-left: 1.7rem; }
.check-list li::before { content: "✓"; position: absolute; left: 0; color: var(--gold-dark); font-weight: 900; }

.table-wrap { overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); }
table { width: 100%; border-collapse: collapse; min-width: 680px; background: #fff; }
th, td { padding: .9rem 1rem; border-bottom: 1px solid var(--line); text-align: left; vertical-align: top; }
th { color: #fff; background: var(--navy); font-family: "Montserrat", sans-serif; }
tr:last-child td { border-bottom: 0; }
tbody tr:nth-child(even) { background: var(--surface); }

.org-chart { display: grid; gap: 1rem; text-align: center; }
.org-level { display: flex; flex-wrap: wrap; justify-content: center; gap: .75rem; }
.org-node {
  min-width: 150px;
  padding: .65rem .9rem;
  border: 1px solid var(--navy);
  border-radius: .45rem;
  background: #fff;
  color: var(--navy);
  font-weight: 800;
}
.org-connector { width: 2px; height: 30px; background: var(--gold); margin-inline: auto; }

.cta-band {
  padding: 2.3rem;
  border-radius: calc(var(--radius) + 4px);
  background: var(--navy);
  color: #fff;
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 1.5rem;
}
.cta-band h2, .cta-band h3 { color: #fff; margin-bottom: .35rem; }
.cta-band p { margin: 0; color: rgba(255,255,255,.82); }

details.faq,
details.insight {
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
  overflow: hidden;
}
details.faq + details.faq,
details.insight + details.insight { margin-top: .8rem; }
details.faq summary,
details.insight summary {
  cursor: pointer;
  padding: 1.15rem 1.25rem;
  color: var(--navy);
  font-family: "Montserrat", sans-serif;
  font-weight: 800;
}
details.faq[open] summary,
details.insight[open] summary { background: var(--surface); border-bottom: 1px solid var(--line); }
.faq-content, .insight-content { padding: 1.25rem; }
.insight-content article { max-width: 830px; margin-inline: auto; }
.insight-content h3 { margin-top: 2rem; }
.insight-content p { margin: 0 0 1rem; }
.article-meta { color: var(--muted); font-size: .92rem; }
.article-toc {
  margin: 1.4rem 0 2rem;
  padding: 1rem 1.2rem;
  border-left: 4px solid var(--gold);
  background: var(--surface);
}
.article-toc a { display: inline-block; margin: .18rem .65rem .18rem 0; }

.contact-card a { word-break: break-word; }
.map-embed {
  width: 100%;
  min-height: 460px;
  border: 0;
  border-radius: var(--radius);
}
.legal-notice {
  padding: 1rem 1.15rem;
  border-left: 5px solid var(--gold);
  background: #fff8e8;
  color: #5c4614;
}
.legal-nav {
  position: sticky;
  top: 106px;
  align-self: start;
  padding: 1rem;
  border: 1px solid var(--line);
  border-radius: var(--radius);
  background: #fff;
}
.legal-nav a { display: block; padding: .3rem 0; }
.legal-layout { display: grid; grid-template-columns: 250px 1fr; gap: 2rem; }
.legal-content section { scroll-margin-top: 115px; margin-bottom: 2.4rem; }

.site-footer {
  padding: 3.5rem 0 1.6rem;
  color: rgba(255,255,255,.82);
  background: var(--navy-2);
}
.site-footer h2, .site-footer h3 { color: #fff; font-size: 1.1rem; }
.footer-grid { display: grid; grid-template-columns: 1.3fr .9fr .9fr 1fr; gap: 2rem; }
.site-footer a { color: rgba(255,255,255,.88); }
.site-footer a:hover { color: #fff; }
.footer-logo { width: min(100%, 270px); filter: brightness(0) invert(1); opacity: .92; }
.footer-links { list-style: none; padding: 0; margin: 0; display: grid; gap: .45rem; }
.footer-bottom {
  margin-top: 2rem;
  padding-top: 1.2rem;
  border-top: 1px solid rgba(255,255,255,.14);
  display: flex;
  flex-wrap: wrap;
  justify-content: space-between;
  gap: 1rem;
  font-size: .92rem;
}

.cookie-banner {
  position: fixed;
  left: 1rem;
  right: 1rem;
  bottom: 1rem;
  z-index: 2000;
  width: min(calc(100% - 2rem), 760px);
  margin-inline: auto;
  padding: 1rem;
  border: 1px solid rgba(255,255,255,.2);
  border-radius: var(--radius);
  background: var(--navy-2);
  color: #fff;
  box-shadow: 0 20px 50px rgba(0,0,0,.28);
}
.cookie-banner p { margin: 0; }
.cookie-inner { display: flex; align-items: center; gap: 1rem; justify-content: space-between; }
.cookie-banner a { color: #fff; }
.cookie-actions { display: flex; gap: .6rem; flex-shrink: 0; }

.back-to-top {
  position: fixed;
  right: 1rem;
  bottom: 1rem;
  z-index: 900;
  width: 48px;
  height: 48px;
  display: grid;
  place-items: center;
  border: 0;
  border-radius: 50%;
  background: var(--gold);
  color: var(--navy-2);
  font-weight: 900;
  box-shadow: var(--shadow);
  cursor: pointer;
  opacity: 0;
  pointer-events: none;
  transform: translateY(8px);
  transition: .2s ease;
}
.back-to-top.is-visible { opacity: 1; pointer-events: auto; transform: none; }

.js .reveal { opacity: 0; transform: translateY(16px); transition: opacity .5s ease, transform .5s ease; }
.js .reveal.is-visible { opacity: 1; transform: none; }

@media (max-width: 1050px) {
  .header-inner { flex-wrap: wrap; padding: .7rem 0; min-height: auto; }
  .nav-toggle { display: inline-flex; }
  .primary-nav {
    display: none;
    order: 3;
    width: 100%;
    margin: 0;
    padding-top: .5rem;
    border-top: 1px solid var(--line);
  }
  .primary-nav.is-open { display: block; }
  .primary-nav > ul { align-items: stretch; flex-direction: column; }
  .primary-nav a, .nav-dropdown summary { padding: .78rem .9rem; }
  .nav-dropdown-menu { position: static; width: auto; margin: .25rem 0 .5rem 1rem; box-shadow: none; }
  .header-actions { margin-left: auto; }
  .header-cta { display: none; }
  .footer-grid { grid-template-columns: repeat(2, minmax(0, 1fr)); }
}
@media (max-width: 800px) {
  body { font-size: 16px; }
  .section { padding: 3.5rem 0; }
  .hero { min-height: 580px; padding: 4rem 0; }
  .grid-3, .grid-4 { grid-template-columns: repeat(2, minmax(0, 1fr)); }
  .process-flow { grid-template-columns: 1fr; }
  .process-flow .flow-step:not(:last-child)::after {
    content: "↓";
    right: auto;
    top: auto;
    left: 50%;
    bottom: -.8rem;
    transform: translateX(-50%);
  }
  .legal-layout { grid-template-columns: 1fr; }
  .legal-nav { position: static; }
  .cta-band { align-items: flex-start; flex-direction: column; }
  .cookie-inner { align-items: stretch; flex-direction: column; }
}
@media (max-width: 560px) {
  .header-inner { width: min(calc(100% - 1rem), var(--max-width)); gap: .5rem; }
  .brand { min-width: 0; }
  .brand img { width: 175px; }
  .header-actions { gap: .3rem; }
  .lang-switcher button { padding: .38rem .48rem; }
  .grid-2, .grid-3, .grid-4 { grid-template-columns: 1fr; }
  .hero-actions { flex-direction: column; align-items: stretch; }
  .btn { width: 100%; }
  .numbered-item { grid-template-columns: 44px 1fr; gap: .75rem; }
  .numbered-item::before { width: 42px; height: 42px; }
  .footer-grid { grid-template-columns: 1fr; }
  .footer-bottom { flex-direction: column; }
  .cookie-actions { flex-direction: column; }
  .cookie-actions .btn { width: 100%; }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { animation-duration: .01ms !important; animation-iteration-count: 1 !important; transition-duration: .01ms !important; }
  .js .reveal { opacity: 1; transform: none; }
}
@media print {
  .site-header, .site-footer, .cookie-banner, .back-to-top, .hero-actions, .header-actions { display: none !important; }
  body { color: #000; background: #fff; font-size: 11pt; }
  .section, .page-hero { padding: 1rem 0; }
  .page-hero { color: #000; background: #fff; }
  .page-hero h1, .page-hero .lead { color: #000; }
  a { color: #000; text-decoration: none; }
}