:root{--navy:#102b4b;--blue:#176bb4;--teal:#0e8b91;--ink:#172d43;--muted:#52667a;--pale:#f0f6fa}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65}a{color:inherit;text-decoration:none}.wrap{width:min(1150px,92%);margin:auto}.header{background:#fff;position:sticky;top:0;z-index:10;box-shadow:0 2px 20px #102b4b12}.nav{display:flex;align-items:center;justify-content:space-between;gap:20px;min-height:84px}.brand{display:flex;align-items:center;gap:13px;color:var(--navy);font-weight:800;line-height:1.15;font-size:19px}.brand img{max-height:60px;max-width:310px;width:auto}.navlinks{display:flex;flex-wrap:wrap;gap:20px;font-size:13px;font-weight:700}.navlinks a:hover{color:var(--blue)}.btn{display:inline-block;background:var(--blue);color:#fff;padding:13px 22px;border-radius:7px;font-weight:700;font-size:14px}.btn.alt{background:#fff;color:var(--navy)}.btn.outline{background:transparent;border:2px solid var(--blue);color:var(--blue)}.hero{background:linear-gradient(115deg,#0e2949 0%,#125487 75%,#117f8a 100%);color:#fff;padding:100px 0 90px;position:relative;overflow:hidden}.eyebrow{text-transform:uppercase;letter-spacing:2px;font-size:12px;font-weight:800;color:#64d9d3}.hero h1{font-size:clamp(38px,5vw,65px);max-width:870px;line-height:1.12;margin:20px 0}.hero p{font-size:19px;max-width:750px;color:#e1edf5}.actions{display:flex;flex-wrap:wrap;gap:13px;margin-top:28px}.stats{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:58px;max-width:850px}.stat{border-top:1px solid #ffffff70;padding-top:17px}.stat strong{display:block;font-size:31px}.stat span{font-size:13px;color:#d6e7f3}.section{padding:80px 0}.section.pale{background:var(--pale)}.section.dark{background:var(--navy);color:#fff}.section h2{font-size:clamp(28px,3.3vw,42px);line-height:1.2;margin:10px 0 18px;max-width:850px}.lead{font-size:18px;max-width:850px;color:var(--muted)}.dark .lead{color:#c8d9e8}.kicker{font-size:12px;font-weight:800;letter-spacing:2px;text-transform:uppercase;color:var(--teal)}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:32px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid #dce7ef;border-radius:12px;padding:27px;box-shadow:0 8px 24px #102b4b08}.card h3{font-size:21px;line-height:1.25;color:var(--navy);margin:12px 0}.card p{color:var(--muted);font-size:15px}.number{font-size:13px;color:var(--teal);font-weight:800;letter-spacing:1px}.dark .card{color:var(--ink)}.band{padding:35px;background:#e2f1f3;border-left:5px solid var(--teal);border-radius:9px;margin-top:30px}.band strong{font-size:20px}.footer{background:#091e35;color:#d3e0eb;padding:45px 0}.footer a{text-decoration:underline}.book{border-top:4px solid var(--teal)}.muted{color:var(--muted)}.tag{display:inline-block;background:#e0f2f3;color:#116b71;font-size:12px;font-weight:800;padding:5px 10px;border-radius:30px}.small{font-size:13px}.cols{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}.bigquote{background:#fff;padding:34px;border-radius:14px;border-left:5px solid var(--teal);font-size:22px;font-weight:700;line-height:1.5;color:var(--navy)}@media(max-width:800px){.nav{align-items:flex-start;flex-direction:column;padding:14px 0}.navlinks{gap:12px}.grid,.grid.two,.cols{grid-template-columns:1fr}.stats{grid-template-columns:1fr 1fr}.hero{padding:65px 0}.section{padding:55px 0}}@media(max-width:450px){.stats{grid-template-columns:1fr}.brand{font-size:16px}}