:root{
  --navy:#0B1F3A; --navy-2:#132B4E; --ink:#15213A; --body:#3C4658; --muted:#6B7486;
  --line:#DCE1EA; --line-2:#E9EDF3; --paper:#FFFFFF; --ground:#F5F7FA; --tint:#EEF2F8;
  --gold:#D89A2B; --gold-2:#F2C14E; --gold-ink:#7A5312;
  --radius:10px; --wrap:1120px; --gutter:clamp(16px,4vw,32px);
  --font-display:"Manrope",ui-sans-serif,system-ui,"Segoe UI",sans-serif;
  --font-body:"Source Sans 3","Segoe UI",ui-sans-serif,system-ui,sans-serif;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto} *{animation:none!important;transition:none!important}}
body{margin:0;background:var(--ground);color:var(--body);font:400 18px/1.55 var(--font-body)}
img,svg{max-width:100%;height:auto;display:block}
a{color:var(--navy);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--gold-ink)}
h1,h2,h3,h4{font-family:var(--font-display);color:var(--ink);line-height:1.15;margin:0;text-wrap:balance;letter-spacing:-.01em}
h1{font-size:clamp(2rem,4.5vw,3.25rem);font-weight:800}
h2{font-size:clamp(1.6rem,3vw,2.25rem);font-weight:800}
h3{font-size:1.25rem;font-weight:700}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin-inline:auto;padding-inline:var(--gutter)}
.kicker{font-family:var(--font-display);font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold-ink)}
.lede{font-size:1.25rem;color:var(--body);max-width:36em}
.measure{max-width:40em}
:focus-visible{outline:3px solid var(--gold-2);outline-offset:3px}
.skip{position:absolute;left:-999px;top:8px;background:var(--navy);color:#fff;padding:8px 12px;border-radius:6px}
.skip:focus{left:8px;z-index:100}

/* header */
.top{background:var(--paper);border-bottom:1px solid var(--line);position:sticky;top:0;z-index:50}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:24px;min-height:76px}
.brand img{height:44px;width:auto}
.nav{display:flex;gap:6px;align-items:center;flex-wrap:wrap;justify-content:flex-end}
.nav a{font-family:var(--font-display);font-weight:600;font-size:.92rem;text-decoration:none;color:var(--ink);padding:8px 10px;border-radius:8px;white-space:nowrap}
.nav a:hover,.nav a[aria-current]{background:var(--tint);color:var(--navy)}
.nav .cta{background:var(--navy);color:#fff;margin-left:6px}
.nav .cta:hover{background:var(--navy-2);color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font:inherit;color:var(--ink)}
@media (max-width:820px){
  .menu-btn{display:inline-flex;align-items:center;gap:8px}
  .nav{display:none;position:absolute;left:0;right:0;top:100%;background:var(--paper);border-bottom:1px solid var(--line);padding:8px var(--gutter) 16px;flex-direction:column;align-items:stretch}
  .nav.open{display:flex}
  .nav .cta{margin:8px 0 0}
}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:8px;font-family:var(--font-display);font-weight:700;font-size:1rem;text-decoration:none;padding:12px 20px;border-radius:8px;border:1px solid transparent;cursor:pointer;line-height:1.2}
.btn-primary{background:var(--navy);color:#fff}
.btn-primary:hover{background:var(--navy-2);color:#fff}
.btn-gold{background:var(--gold-2);color:var(--ink)}
.btn-gold:hover{background:#F7D27A;color:var(--ink)}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--line)}
.btn-ghost:hover{border-color:var(--navy)}
.on-dark .btn-ghost{color:#fff;border-color:rgba(255,255,255,.35)}
.on-dark .btn-ghost:hover{border-color:#fff}

/* hero */
.hero{background:var(--navy);color:#fff;padding-block:clamp(56px,9vw,112px);position:relative;overflow:hidden;isolation:isolate}
.hero::after{content:"";position:absolute;inset:auto -10% -40% auto;width:60vw;max-width:720px;aspect-ratio:1;background:radial-gradient(closest-side,rgba(242,193,78,.18),transparent 70%);z-index:-1}
.hero h1{color:#fff;max-width:14em}
.hero .lede{color:#C9D2E1;margin-top:20px}
.hero .actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:32px}
.hero .facts{display:flex;gap:28px;flex-wrap:wrap;margin-top:48px;padding-top:24px;border-top:1px solid rgba(255,255,255,.14);color:#C9D2E1;font-size:.95rem}
.hero .facts b{display:block;color:#fff;font-family:var(--font-display);font-size:1.05rem}

/* sections */
.section{padding-block:clamp(48px,7vw,88px)}
.section.alt{background:var(--paper);border-top:1px solid var(--line-2);border-bottom:1px solid var(--line-2)}
.section-head{display:flex;justify-content:space-between;align-items:end;gap:24px;flex-wrap:wrap;margin-bottom:36px}
.section-head p{margin:8px 0 0;max-width:36em}

/* division grid */
.grid{display:grid;gap:20px;grid-template-columns:repeat(auto-fit,minmax(min(100%,300px),1fr))}
.card{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:26px;display:flex;flex-direction:column;gap:12px;position:relative;text-decoration:none;color:inherit;transition:transform .15s,box-shadow .15s}
a.card:hover{transform:translateY(-2px);box-shadow:0 10px 30px -18px rgba(11,31,58,.45);color:inherit}
.card .kicker{color:var(--muted)}
.card h3{color:var(--ink)}
.card p{margin:0;color:var(--body);flex:1}
.card .more{font-family:var(--font-display);font-weight:700;color:var(--navy);font-size:.95rem}
.card .swatch{width:44px;height:6px;border-radius:3px;background:var(--accent,var(--gold))}
.pill{display:inline-block;font-family:var(--font-display);font-size:.72rem;font-weight:700;letter-spacing:.08em;text-transform:uppercase;padding:4px 9px;border-radius:999px;background:var(--tint);color:var(--navy)}
.pill.soon{background:#FBF1D8;color:var(--gold-ink)}
.card .pill{position:absolute;top:18px;right:18px}

/* partner strip */
.strip{display:grid;gap:16px;grid-template-columns:repeat(auto-fit,minmax(min(100%,220px),1fr));align-items:stretch;max-width:760px}
.strip .logo{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);min-height:96px;display:flex;align-items:center;justify-content:center;padding:16px;text-align:center}
.strip .logo img{max-height:64px;max-width:200px;width:auto}
.strip .logo .t{font-family:var(--font-display);font-weight:800;font-size:1.15rem;color:var(--ink);letter-spacing:-.01em}
.strip .logo small{display:block;font-size:.78rem;color:var(--muted);font-weight:600;letter-spacing:.04em;text-transform:uppercase;margin-top:4px}

/* two-col */
.split{display:grid;gap:40px;grid-template-columns:1fr 1fr;align-items:start}
@media (max-width:760px){.split{grid-template-columns:1fr}}
.list{display:grid;gap:18px;margin:0;padding:0;list-style:none}
.list li{display:grid;grid-template-columns:28px 1fr;gap:12px;align-items:start}
.list .tick{width:24px;height:24px;border-radius:50%;background:var(--gold-2);color:var(--ink);display:grid;place-items:center;font-weight:800;font-size:.85rem;margin-top:3px}
.list b{display:block;font-family:var(--font-display);color:var(--ink)}

/* detail rows */
.details{display:grid;gap:0;border:1px solid var(--line);border-radius:var(--radius);overflow:hidden;background:var(--paper)}
.details div{display:grid;grid-template-columns:minmax(140px,220px) 1fr;gap:16px;padding:14px 18px;border-top:1px solid var(--line-2)}
.details div:first-child{border-top:0}
.details dt{font-family:var(--font-display);font-weight:700;color:var(--ink);font-size:.95rem}
.details dd{margin:0}
@media (max-width:520px){.details div{grid-template-columns:1fr;gap:4px}}

/* division page */
.division-hero{background:var(--paper);border-bottom:1px solid var(--line);padding-block:clamp(40px,6vw,72px)}
.division-hero .bar{width:64px;height:8px;border-radius:4px;background:var(--accent,var(--gold));margin-bottom:20px}
.division-hero .brand-row{display:flex;gap:20px;align-items:center;flex-wrap:wrap;margin-top:24px}
.division-hero .brand-row img{max-height:72px;width:auto}
.feature{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(min(100%,260px),1fr))}
.feature article{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:24px}
.feature h3{margin-bottom:8px}
.feature p{margin:0}
.notice{background:var(--paper);border-left:4px solid var(--gold-2);padding:16px 20px;border-radius:0 var(--radius) var(--radius) 0}

/* cta band */
.band{background:var(--navy);color:#fff;padding-block:clamp(40px,6vw,72px)}
.band h2{color:#fff}
.band p{color:#C9D2E1}
.band .wrap{display:flex;justify-content:space-between;align-items:center;gap:32px;flex-wrap:wrap}

/* forms */
.form{display:grid;gap:18px;background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px}
.form label{display:grid;gap:6px;font-family:var(--font-display);font-weight:700;font-size:.95rem;color:var(--ink)}
.form input,.form select,.form textarea{font:inherit;padding:11px 12px;border:1px solid var(--line);border-radius:8px;background:#fff;color:var(--ink);width:100%}
.form textarea{min-height:140px;resize:vertical}
.form .row{display:grid;gap:18px;grid-template-columns:1fr 1fr}
@media (max-width:560px){.form .row{grid-template-columns:1fr}}
.form .hp{position:absolute;left:-9999px}
.form small{color:var(--muted);font-family:var(--font-body);font-weight:400}
.status{font-family:var(--font-display);font-weight:600;color:var(--navy)}
.status.err{color:#9B2C2C}
.done{background:var(--paper);border:1px solid var(--line);border-radius:var(--radius);padding:28px}

/* prose pages */
.prose{max-width:44em}
.prose h2{font-size:1.4rem;margin:2em 0 .6em}
.prose h3{margin:1.6em 0 .4em}
.prose ul{padding-left:1.2em}
.prose li{margin-bottom:.4em}
.prose table{border-collapse:collapse;width:100%;font-size:.95rem}
.prose th,.prose td{text-align:left;border-bottom:1px solid var(--line);padding:8px 10px;vertical-align:top}

/* footer */
.footer{background:var(--navy);color:#B8C3D6;padding-block:48px 32px;font-size:.95rem}
.footer .cols{display:grid;gap:32px;grid-template-columns:1.4fr 1fr 1fr 1fr}
@media (max-width:820px){.footer .cols{grid-template-columns:1fr 1fr}}
@media (max-width:520px){.footer .cols{grid-template-columns:1fr}}
.footer h4{color:#fff;font-size:.85rem;letter-spacing:.1em;text-transform:uppercase;margin-bottom:12px}
.footer a{color:#E3E9F3;text-decoration:none}
.footer a:hover{color:var(--gold-2)}
.footer ul{list-style:none;margin:0;padding:0;display:grid;gap:8px}
.footer .brand img{height:40px;margin-bottom:14px}
.footer .legal{margin-top:36px;padding-top:20px;border-top:1px solid rgba(255,255,255,.14);font-size:.85rem;color:#93A1B8;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}