:root{--hc:#1c69d4;--fc:#0653b6;--meta:#757575;--ink:#262626;--silver:#bbb;--dark:#151a20}
*{margin:0;padding:0;box-sizing:border-box}
html{scroll-behavior:smooth}
body{font-family:'DM Sans',system-ui,-apple-system,'Segoe UI',Roboto,sans-serif;font-size:16px;line-height:1.15;color:var(--ink);background:#fff}
img{display:block}
a{color:inherit;text-decoration:none}
a:focus-visible,button:focus-visible,input:focus-visible,textarea:focus-visible{outline:2px solid var(--fc);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:var(--hc);color:#fff;padding:10px 16px;z-index:100}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.topbar{background:#151a20;color:#f7f5f1;font-size:14px;line-height:1.3;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;padding:10px 24px}
.topbar a{color:#f7f5f1;text-decoration:underline}
.topbar a:hover{text-decoration:none}
header.site{position:sticky;top:0;z-index:60;background:var(--dark);border-bottom:1px solid rgba(255,255,255,.08)}
.nav{max-width:1200px;margin:0 auto;padding:10px 24px;display:flex;align-items:center;gap:20px}
.brand{display:flex;align-items:center;gap:12px;color:#fff}
.mark{width:54px;height:54px;flex:none;background:var(--hc);display:grid;place-items:center;font-weight:900;font-size:17px;letter-spacing:1px;color:#fff}
.brand b{display:block;font-weight:900;font-size:18px;line-height:1.3;text-transform:uppercase}
.brand small{display:block;font-weight:400;font-size:11px;color:#f7f5f1;letter-spacing:2px;text-transform:uppercase}
.navtoggle{display:none}
.navlabel{display:none;margin-left:auto;color:#fff;font-weight:900;font-size:18px;cursor:pointer;border:1px solid rgba(255,255,255,.35);padding:10px 16px}
nav.primary{margin-left:auto;display:flex;align-items:center;gap:26px}
nav.primary a{color:#fff;font-weight:900;font-size:18px;line-height:1.3;padding:6px 0;border-bottom:2px solid transparent}
nav.primary a:hover{text-decoration:none;border-bottom-color:#fff}
nav.primary a[aria-current="page"]{border-bottom-color:var(--hc)}
.btn{display:inline-block;font-size:16px;line-height:1.2;padding:14px 28px;font-weight:700;text-align:center}
.btn-sm{padding:10px 18px;font-size:15px}
.btn-blue{background:var(--hc);color:#fff}
.btn-blue:hover{background:var(--fc);color:#fff}
.btn-ghost{color:#fff;border-bottom:1px solid #fff;font-weight:400;padding:14px 6px}
.btn-ghost:hover{text-decoration:none;color:#fff}
.hero{position:relative;background:#0c1016;color:#fff;overflow:hidden}
.hero-bg{position:absolute;inset:0;background:url("https://images.unsplash.com/photo-1600585154526-990dced4db0d?w=800&q=60") center/cover no-repeat;opacity:.5}
.hero-in{position:relative;z-index:1;padding:110px 0 120px}
.eyebrow{color:#f7f5f1;font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:16px}
h1{font-size:clamp(34px,5.5vw,60px);font-weight:300;text-transform:uppercase;line-height:1.30;max-width:860px;margin-bottom:20px}
.hero-sub{max-width:660px;line-height:1.3;color:#e8e6e2;font-size:17px;margin-bottom:32px}
.actions{display:flex;gap:16px;flex-wrap:wrap;align-items:center}
section.block{padding:72px 0}
.kicker{color:var(--hc);font-size:14px;font-weight:700;letter-spacing:2px;text-transform:uppercase;margin-bottom:10px}
h2{font-size:clamp(24px,3.2vw,32px);font-weight:400;text-transform:uppercase;line-height:1.30;margin-bottom:16px}
p.lead{color:var(--meta);line-height:1.30;max-width:780px}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.card{border:1px solid #e6e6e6;background:#fff;display:flex;flex-direction:column}
.card .pad{padding:20px;display:flex;flex-direction:column;flex:1}
.card h3{font-size:18px;font-weight:900;text-transform:uppercase;line-height:1.30;margin-bottom:8px}
.card p{color:var(--meta);line-height:1.30;flex:1}
.card .more{color:var(--hc);font-weight:700;margin-top:16px;display:inline-block}
.card .more:hover{color:var(--fc)}
.stats{background:var(--dark);color:#f7f5f1}
.stats-in{display:grid;grid-template-columns:repeat(4,1fr);gap:24px;padding:56px 0}
.stat b{display:block;font-size:44px;font-weight:300;line-height:1.15}
.stat span{color:#bbb;font-size:14px;line-height:1.30;display:block;margin-top:6px}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.step b.num{display:block;color:var(--hc);font-weight:300;font-size:40px;line-height:1.15}
.step h3{font-size:18px;font-weight:900;text-transform:uppercase;line-height:1.30;margin:12px 0 8px}
.step p{color:var(--meta);line-height:1.30}
.band{background:var(--dark);color:#f7f5f1}
.band-in{padding:64px 0;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.band h2{color:#fff;margin:0 0 8px}
.band p{color:#bbb;line-height:1.30;max-width:560px}
.mail{font-size:clamp(20px,3vw,28px);font-weight:700;color:var(--hc);display:inline-block;margin:8px 0 24px;border-bottom:2px solid var(--hc);line-height:1.3}
.mail:hover{color:var(--fc);border-color:var(--fc)}
footer.site{background:#151a20;color:#f7f5f1;padding-top:56px}
.fgrid{display:grid;grid-template-columns:2fr 1fr 1fr 1.4fr;gap:32px;padding-bottom:40px}
footer.site h4{font-size:14px;font-weight:900;text-transform:uppercase;letter-spacing:1px;margin-bottom:14px;color:#fff}
footer.site ul{list-style:none}
footer.site li{margin-bottom:10px;font-size:15px;line-height:1.30}
footer.site a{color:#f7f5f1}
footer.site a:hover{text-decoration:none;color:#fff}
.fnote{border-top:1px solid rgba(255,255,255,.12);padding:18px 0;font-size:13px;color:#bbb;display:flex;justify-content:space-between;flex-wrap:wrap;gap:8px}
@media(max-width:980px){.grid3,.steps{grid-template-columns:1fr 1fr}.stats-in{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr 1fr}}
@media(max-width:920px){.navlabel{display:block}nav.primary{display:none;position:absolute;top:100%;left:0;right:0;background:var(--dark);flex-direction:column;align-items:flex-start;gap:4px;padding:16px 24px 24px;border-top:1px solid rgba(255,255,255,.12)}nav.primary a{padding:10px 0}.navtoggle:checked~nav.primary{display:flex}.band-in{flex-direction:column;align-items:flex-start}}
@media(max-width:640px){.grid3,.steps{grid-template-columns:1fr}.stats-in{grid-template-columns:1fr 1fr}.fgrid{grid-template-columns:1fr}.hero-in{padding:72px 0 80px}}

.container{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:72px 0}
.section-alt{padding:72px 0;background:#f4f5f7}
.lede{color:var(--meta);font-size:17px;line-height:1.3;max-width:780px}
.site-header{position:sticky;top:0;z-index:60;background:var(--dark);border-bottom:1px solid rgba(255,255,255,.08)}
.header-inner{max-width:1200px;margin:0 auto;padding:10px 24px;display:flex;align-items:center;gap:20px}
.topbar-inner{max-width:1200px;margin:0 auto;flex:1;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}
.brand-mark{width:54px;height:54px;flex:none;background:var(--hc);color:#fff;display:grid;place-items:center;font-weight:900;font-size:17px;letter-spacing:1px;text-transform:uppercase}
.logo{display:flex;align-items:center;gap:12px;color:#fff}
.logo b{display:block;font-weight:900;font-size:18px;line-height:1.3;text-transform:uppercase}
.logo small{display:block;font-weight:400;font-size:11px;color:#f7f5f1;letter-spacing:2px;text-transform:uppercase}
.nav-list{margin-left:auto;display:flex;align-items:center;gap:26px;list-style:none}
.nav-list a{color:#fff;font-weight:900;font-size:18px;line-height:1.3;padding:6px 0;border-bottom:2px solid transparent;display:inline-block}
.nav-list a:hover{text-decoration:none;border-bottom-color:#fff}
.nav-list a[aria-current="page"]{border-bottom-color:var(--hc)}
.nav-cta{margin-left:6px}
.nav-cta .btn{padding:10px 18px;font-size:15px}
.btn-primary,.btn-secondary,.btn-outline{display:inline-block;font-size:16px;line-height:1.2;padding:14px 28px;font-weight:700;text-align:center}
.btn-primary{background:var(--hc);color:#fff}
.btn-primary:hover{background:var(--fc);color:#fff}
.btn-secondary{background:var(--dark);color:#fff}
.btn-secondary:hover{background:#000;color:#fff}
.btn-outline{background:transparent;color:var(--hc);box-shadow:inset 0 0 0 2px var(--hc)}
.btn-outline:hover{background:var(--hc);color:#fff}
.page-hero{position:relative;background:#0c1016;color:#fff;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:linear-gradient(rgba(12,16,22,.78),rgba(12,16,22,.78)),url("https://images.unsplash.com/photo-1600585154526-990dced4db0d?w=1600&q=60") center/cover no-repeat}
.page-hero .container{position:relative;z-index:1;padding:88px 24px}
.page-hero .lede{color:#e8e6e2}
.grid{display:grid;gap:24px}
.cards-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.cards-grid h3{font-size:18px;font-weight:900;text-transform:uppercase;line-height:1.3;margin:0 0 8px}
.cards-grid p{color:var(--meta);line-height:1.3}
.cards-grid img{width:100%;aspect-ratio:3/2;object-fit:cover}
.reasons{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:40px}
.reason-card{border:1px solid #e6e6e6;border-top:3px solid var(--hc);background:#fff;padding:24px}
.reason-card h3{font-size:17px;font-weight:900;text-transform:uppercase;line-height:1.3;margin:0 0 8px}
.reason-card p{color:var(--meta);line-height:1.3}
.story-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:center;margin-top:40px}
.story-grid figure{margin:0}
.story-grid img{width:100%;aspect-ratio:4/3;object-fit:cover}
.cta-band{background:var(--dark);color:#f7f5f1}
.cta{max-width:1200px;margin:0 auto;padding:64px 24px;display:flex;align-items:center;justify-content:space-between;gap:24px;flex-wrap:wrap}
.cta h2{color:#fff;margin:0 0 8px}
.cta p{color:#bbb;line-height:1.3;max-width:560px}
.cta .btn-outline{color:#fff;box-shadow:inset 0 0 0 2px #fff}
.cta .btn-outline:hover{background:#fff;color:var(--ink)}
footer{background:var(--dark);color:#f7f5f1;font-size:15px;line-height:1.3}
.footer-inner{max-width:1200px;margin:0 auto;padding:0 24px}
.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr 1fr;gap:32px;padding:56px 0 40px}
.footer-col{min-width:0}
.footer-col h3{color:#fff;font-size:13px;font-weight:900;text-transform:uppercase;letter-spacing:2px;margin:0 0 14px}
.footer-col ul{list-style:none}
.footer-col li{margin:0 0 10px}
.footer-col a,.footer-col p{color:#bbb;line-height:1.3}
.footer-col a:hover{color:#fff;text-decoration:underline}
.footer-bottom{border-top:1px solid rgba(255,255,255,.12);padding:18px 0 22px;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;color:#bbb;font-size:14px}
.footer-bottom a{text-decoration:underline}
.footer-bottom a:hover{color:#fff;text-decoration:none}
.legal{max-width:880px;margin:0 auto;padding:64px 24px}
.legal h1{margin-bottom:8px}
.legal-meta{color:var(--meta);font-size:14px;line-height:1.3;margin:0 0 28px;padding-bottom:16px;border-bottom:1px solid #e6e6e6}
.policy h2{font-size:19px;font-weight:900;margin:32px 0 10px}
.policy h3{font-size:16px;font-weight:900;text-transform:uppercase;margin:20px 0 8px}
.policy p{line-height:1.5;margin:0 0 12px}
.policy ul{margin:0 0 12px 18px;line-height:1.5}
.policy li{margin-bottom:6px}
.legal-footer{margin-top:48px;padding-top:20px;border-top:1px solid #e6e6e6;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between;color:var(--meta);font-size:14px;line-height:1.3}
.legal-footer a{color:var(--hc);font-weight:700}
.legal-footer a:hover{color:var(--fc)}
.abn-card{border:1px solid #e6e6e6;background:#fff;padding:24px;max-width:640px}
.abn-card h3{font-size:15px;font-weight:900;text-transform:uppercase;letter-spacing:1px;margin:0 0 14px}
.abn-details{display:grid;grid-template-columns:auto 1fr;gap:8px 24px;font-size:15px}
.abn-details dt{font-size:12px;font-weight:700;letter-spacing:1px;text-transform:uppercase;color:var(--meta);line-height:1.8}
.abn-details dd{margin:0;line-height:1.8}
.abn-note{margin-top:16px;padding:14px 18px;background:#eef4fc;border-left:3px solid var(--hc);font-size:14px;line-height:1.4}
@media(max-width:960px){.cards-grid,.reasons{grid-template-columns:repeat(2,1fr)}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:880px){.story-grid{grid-template-columns:1fr}.nav-list{display:none;position:absolute;top:100%;left:0;right:0;background:var(--dark);flex-direction:column;align-items:flex-start;gap:4px;padding:12px 24px 20px;border-bottom:1px solid rgba(255,255,255,.08)}.navtoggle:checked~.nav-list,.navtoggle:checked~nav .nav-list{display:flex}.navlabel{display:block}.nav-cta{margin:10px 0 0}}
@media(max-width:640px){.cards-grid,.reasons{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.cta{flex-direction:column;align-items:flex-start}}