@import url('https://fonts.googleapis.com/css2?family=Fraunces:opsz,wght@9..144,600;9..144,700;9..144,900&family=Inter:wght@400;500;600;700;800&display=swap');
:root{
  --ink:#182430;--muted:#55677a;--cream:#faf6ef;--card:#ffffff;
  --terra:#d3500f;--terra-dark:#a63d0b;--navy:#16324a;--navy-2:#1f4463;
  --gold:#e8a33d;--line:#e8e0d2;--ok:#166534;
  --shadow:0 1px 2px rgba(24,36,48,.05),0 8px 24px rgba(24,36,48,.08);
  --shadow-lg:0 2px 4px rgba(24,36,48,.06),0 16px 40px rgba(24,36,48,.12);
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter',-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,sans-serif;background:var(--cream);color:var(--ink);line-height:1.65;font-size:17px;-webkit-font-smoothing:antialiased}
.wrap{max-width:1100px;margin:0 auto;padding:0 24px}
h1,h2,h3,.brand{font-family:'Fraunces',Georgia,serif}
header.site{background:linear-gradient(135deg,var(--navy) 0%,var(--navy-2) 100%);border-bottom:3px solid var(--terra)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;padding-top:16px;padding-bottom:16px;flex-wrap:wrap;gap:12px}
.brand{font-weight:900;font-size:26px;color:#fff;text-decoration:none;letter-spacing:.5px}
.brand span{color:var(--gold)}
nav.site{display:flex;flex-wrap:wrap;gap:4px}
nav.site a{color:#c9d8e6;text-decoration:none;margin-left:6px;font-size:14px;font-weight:600;padding:7px 12px;border-radius:999px;transition:all .15s}
nav.site a:hover{color:#fff;background:rgba(255,255,255,.12)}
.hero{background:linear-gradient(160deg,var(--navy) 0%,var(--navy-2) 70%,#2a5578 100%);color:#fff;padding:72px 0 64px;position:relative;overflow:hidden}
.hero::after{content:"";position:absolute;right:-120px;top:-120px;width:420px;height:420px;background:radial-gradient(circle,rgba(232,163,61,.25),transparent 65%)}
.hero .wrap{position:relative;z-index:1}
.hero h1{font-size:48px;line-height:1.08;margin:14px 0 16px;font-weight:900;letter-spacing:-.5px;max-width:820px}
.hero p.lede{font-size:20px;color:#c9d8e6;max-width:720px;font-weight:400}
.hero .eyebrow{color:var(--gold)}
.eyebrow{display:inline-flex;align-items:center;gap:10px;text-transform:uppercase;letter-spacing:2.5px;font-size:12.5px;font-weight:800;color:var(--terra)}
.eyebrow::before{content:"";width:26px;height:3px;background:currentColor;border-radius:2px}
.hero .btn{margin-top:26px}
.btn{display:inline-block;background:var(--terra);color:#fff;text-decoration:none;font-weight:700;padding:14px 26px;border-radius:999px;border:0;font-size:16px;font-family:'Inter',sans-serif;cursor:pointer;box-shadow:0 4px 14px rgba(211,80,15,.35);transition:all .15s}
.btn:hover{background:var(--terra-dark);transform:translateY(-1px);box-shadow:0 6px 18px rgba(211,80,15,.45)}
.btn.secondary{background:transparent;color:#fff;border:2px solid rgba(255,255,255,.55);box-shadow:none;margin-left:12px}
.btn.secondary:hover{background:rgba(255,255,255,.12);border-color:#fff}
.btn.dark.secondary{color:var(--navy);border-color:var(--navy)}
.btn.dark.secondary:hover{background:var(--navy);color:#fff}
section{padding:44px 0}
section h2{font-size:32px;margin-bottom:10px;font-weight:700;letter-spacing:-.3px}
h3{font-size:21px;margin:26px 0 8px;font-weight:700}
.section-sub{color:var(--muted);max-width:740px;margin-bottom:26px;font-size:17px}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:18px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:24px;box-shadow:var(--shadow);transition:all .18s}
.card:hover{transform:translateY(-3px);box-shadow:var(--shadow-lg)}
.card h3{margin-top:0;font-size:19px}
.card p{color:var(--muted);font-size:15px}
.card a.more{color:var(--terra);font-weight:700;text-decoration:none;font-size:15px;display:inline-block;margin-top:10px}
.card a.more:hover{color:var(--terra-dark)}
.card .tag{display:inline-block;font-size:11.5px;font-weight:800;letter-spacing:1.5px;text-transform:uppercase;color:var(--terra);background:#fdf0e6;padding:4px 10px;border-radius:999px;margin-bottom:12px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(150px,1fr));gap:18px;margin:26px 0}
.stat{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px;text-align:center;box-shadow:var(--shadow)}
.stat .num{font-family:'Fraunces',serif;font-size:34px;font-weight:900;color:var(--terra);line-height:1.1}
.stat .lbl{font-size:13px;color:var(--muted);font-weight:600;margin-top:4px}
.table-scroll{overflow-x:auto;background:var(--card);border:1px solid var(--line);border-radius:14px;box-shadow:var(--shadow)}
table{border-collapse:collapse;width:100%;min-width:540px}
th,td{text-align:left;padding:14px 18px;border-bottom:1px solid var(--line);font-size:15px;vertical-align:top}
th{background:#f4eee1;font-weight:700;font-size:13px;text-transform:uppercase;letter-spacing:1px;color:var(--muted)}
tr:last-child td{border-bottom:0}
.callout{background:#fdf0e6;border:1px solid #f5cfae;border-left:5px solid var(--terra);border-radius:12px;padding:20px 22px;margin:24px 0}
.callout.blue{background:#eaf1f9;border-color:#c3d6ea;border-left-color:var(--navy)}
.callout a{color:var(--terra);font-weight:700}
.note{font-size:14px;color:var(--muted);margin-top:12px}
ol.steps{counter-reset:s;list-style:none}
ol.steps>li{counter-increment:s;background:var(--card);border:1px solid var(--line);border-radius:14px;padding:20px 22px 20px 72px;margin-bottom:14px;position:relative;box-shadow:var(--shadow)}
ol.steps>li::before{content:counter(s);position:absolute;left:20px;top:20px;width:34px;height:34px;background:var(--terra);color:#fff;border-radius:50%;text-align:center;line-height:34px;font-weight:800;font-size:16px;font-family:'Inter',sans-serif}
.warn{background:#fdf1f0;border:1px solid #f3c2bc;border-left:5px solid #b3261e;border-radius:12px;padding:18px 20px;margin:20px 0}
ul.tight{padding-left:22px}
ul.tight li{margin-bottom:10px}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
@media(max-width:760px){.split{grid-template-columns:1fr}}
footer.site{background:var(--ink);color:#a9b8c6;padding:32px 0;margin-top:48px;font-size:14px}
footer.site a{color:var(--gold);text-decoration:none;font-weight:600}
form.lead{background:var(--card);border:1px solid var(--line);border-radius:16px;padding:28px;max-width:660px;box-shadow:var(--shadow)}
form.lead label{display:block;font-weight:700;font-size:14px;margin:16px 0 5px}
form.lead input,form.lead select,form.lead textarea{width:100%;padding:12px 14px;border:1.5px solid #d4dce4;border-radius:10px;font-size:16px;font-family:inherit;background:#fdfcf9;transition:border-color .15s}
form.lead input:focus,form.lead select:focus,form.lead textarea:focus{outline:0;border-color:var(--terra)}
form.lead .consent{display:flex;gap:12px;align-items:flex-start;margin:18px 0}
form.lead .consent input{width:auto;margin-top:5px}
form.lead .consent span{font-size:13px;color:var(--muted)}
.band{background:var(--navy);color:#fff}
.band h2{color:#fff}
.band .section-sub{color:#b9c9d8}
.band .card{background:rgba(255,255,255,.06);border-color:rgba(255,255,255,.14);box-shadow:none}
.band .card p{color:#b9c9d8}
.band .card h3{color:#fff}
@media(max-width:640px){.hero h1{font-size:34px}.hero{padding:52px 0 46px}nav.site a{margin-left:0;padding:6px 10px}section h2{font-size:26px}}