:root{--navy:#0d2b52;--navy2:#071a35;--gold:#c99b2e;--cream:#f7f5ef;--text:#17304f;--muted:#5e6b7b;--line:#e4e7eb;--white:#fff;--shadow:0 18px 50px rgba(13,43,82,.10)}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Georgia,"Times New Roman",serif;color:var(--text);background:#fff;line-height:1.65}a{color:inherit;text-decoration:none}
section[id]{scroll-margin-top:100px}
.container{width:min(1180px,92%);margin:auto}header{position:sticky;top:0;z-index:20;background:rgba(255,255,255,.97);backdrop-filter:blur(12px);border-bottom:1px solid var(--line)}
.nav{min-height:82px;display:flex;align-items:center;gap:24px}.logo{margin-right:auto;line-height:1}.logo strong{display:block;font-size:23px;letter-spacing:.02em;color:var(--navy)}.logo span{display:block;color:var(--gold);font:700 11px Arial,sans-serif;letter-spacing:.11em;margin-top:6px}
nav{display:flex;align-items:center;gap:20px;font-size:14px;font-weight:bold}nav a:hover{color:var(--gold)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;background:var(--navy);color:#fff;padding:13px 20px;border-radius:5px;font-weight:bold;border:0;cursor:pointer;transition:.2s}.btn.gold{background:var(--gold);color:#10233e}.btn:hover{transform:translateY(-1px);box-shadow:0 8px 22px rgba(13,43,82,.15)}
.kicker{color:var(--gold);text-transform:uppercase;letter-spacing:.14em;font:700 12px Arial,sans-serif}.lead{font:18px/1.55 Arial,sans-serif;color:#33485f}
.check{margin:20px 0 0;font:14px Arial,sans-serif;color:#40566d}.check:before{content:"✓";display:inline-flex;width:23px;height:23px;border:1px solid #b9c3cd;border-radius:50%;align-items:center;justify-content:center;margin-right:8px}

/* Hero banner: full-width photo with team, text overlaid on left, clickable person hotspots */
.hero-banner{position:relative;background:#0d1b35;isolation:isolate}
.hero-banner-media{position:relative;width:100%;height:0;padding-top:18.3%;aspect-ratio:1532/280;overflow:hidden;min-height:220px;max-height:440px}
.hero-banner-media img{position:absolute;top:0;left:0;right:0;bottom:0;width:100%;height:100%;object-fit:cover;display:block}
.hero-hotspots{position:absolute;top:0;left:0;right:0;bottom:0;z-index:2}
.hotspot{position:absolute;top:0;bottom:0;display:block;outline-offset:-3px;transition:background .2s}
.hotspot:hover,.hotspot:focus-visible{background:rgba(201,155,46,.16)}
.hotspot .label{position:absolute;left:50%;bottom:14px;transform:translate(-50%,8px);opacity:0;background:var(--gold);color:#10233e;font:700 12px Arial,sans-serif;letter-spacing:.02em;padding:6px 12px;border-radius:20px;white-space:nowrap;transition:.2s;pointer-events:none;box-shadow:0 6px 16px rgba(0,0,0,.25)}
.hotspot:hover .label,.hotspot:focus-visible .label{opacity:1;transform:translate(-50%,0)}
.hero-banner-content.container{position:absolute;top:0;bottom:0;z-index:3;display:flex;align-items:center;pointer-events:none}
.hero-banner-text{max-width:360px;pointer-events:auto}
.hero-banner-text .kicker{color:var(--gold);font-size:10px}
.hero-banner-text h1{font-size:clamp(19px,2.5vw,30px);line-height:1.18;margin:7px 0 8px;color:#fff}
.hero-banner-text .lead{color:#e6ebf1;font:13px/1.4 Arial,sans-serif;margin:0 0 14px}
.hero-banner-text .btn{padding:10px 16px;font-size:13px}
.hero-banner-hint{margin-top:10px;font:11px/1.4 Arial,sans-serif;color:#aebbca}

.cards2-wrap{padding:52px 0 8px}
.cards2{display:grid;grid-template-columns:1fr 1fr;gap:18px}.topic{min-height:270px;border-radius:14px;overflow:hidden;background:#f3f5f5;box-shadow:0 10px 35px rgba(13,43,82,.12);display:flex;transition:.2s}.topic:hover,.prof:hover{transform:translateY(-4px);box-shadow:0 16px 35px rgba(13,43,82,.14)}.topic .pic{width:43%;background:#dfe8ee;overflow:hidden}.topic .pic img{width:100%;height:100%;object-fit:cover}.topic .copy{padding:30px 28px}.topic h2{font-size:30px;line-height:1.12;margin:0 0 10px}.topic p{font:16px/1.55 Arial,sans-serif;color:#4b5b6b}
.section{padding:92px 0}.section.cream{background:var(--cream)}.section.navy{background:var(--navy);color:#fff}.center{text-align:center}.section-title{font-size:44px;line-height:1.15;margin:12px auto 18px;color:var(--navy);max-width:800px}.navy .section-title{color:#fff}.intro{font:17px/1.65 Arial,sans-serif;color:var(--muted);max-width:800px;margin:0 auto 42px}.navy .intro{color:#d7e0ea}
.prof-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.prof{background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden;box-shadow:0 8px 25px rgba(13,43,82,.06);transition:.2s}.prof .pic{aspect-ratio:162/124;background:#dfe7ed;overflow:hidden}.prof img{width:100%;height:100%;object-fit:cover;object-position:center}.prof .pbody{padding:18px 20px}.prof h3{margin:0;font-size:23px}.prof p{font:15px/1.5 Arial,sans-serif;color:var(--muted);margin:6px 0 0}
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.split h2{font-size:43px;line-height:1.15;margin:10px 0 20px}.split p{font:16px/1.65 Arial,sans-serif;color:#506072}.facts{display:grid;grid-template-columns:1fr 1fr;gap:14px}.fact{background:#f7f8f8;border-radius:10px;padding:22px;border:1px solid #e7eaed}.fact strong{display:block;color:var(--navy);margin-bottom:6px}.fact span{font:14px/1.55 Arial,sans-serif;color:#627184}
.timeline{display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.step{padding:28px 22px;background:#fff;border:1px solid var(--line);min-height:190px}.step .num{color:#d6e0eb;font-size:35px;font-weight:bold}.step h3{margin:5px 0 7px}.step p{font:14px/1.55 Arial,sans-serif;color:var(--muted)}
.about{display:grid;grid-template-columns:340px 1fr;gap:55px;align-items:center}.about img{width:100%;border-radius:12px;box-shadow:var(--shadow)}.about h2{font-size:42px;line-height:1.15;margin:8px 0 18px}.about p{font:16px/1.65 Arial,sans-serif;color:#d7e0ea}.badges{display:flex;gap:10px;flex-wrap:wrap;margin-top:22px}.badge{background:#edf3f8;color:var(--navy);padding:8px 12px;border-radius:30px;font:600 13px Arial,sans-serif}
.rating{margin:18px 0 0}.rating a{color:#fff;display:inline-flex;align-items:center;gap:9px;font:600 15px Arial,sans-serif}.rating a:hover{text-decoration:underline}.rating .stars{color:var(--gold);letter-spacing:2px;font-size:17px}.rating .count{color:#c3ccd6;font-weight:400}
.other-sites{margin:12px 0 0;font:13px/1.6 Arial,sans-serif;color:#aebbca}.other-sites a{color:#fff;text-decoration:underline;text-decoration-color:rgba(255,255,255,.35)}.other-sites a:hover{text-decoration-color:#fff}
.faq{max-width:900px;margin:auto}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font-weight:bold;font-size:18px}details p{font:15px/1.65 Arial,sans-serif;color:#536275;padding:10px 0 0}
.contact{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:start}.contact h2{font-size:43px;line-height:1.15;margin:8px 0 18px}.contact p{font:16px/1.65 Arial,sans-serif;color:#506072}
form{background:#fff;padding:30px;border-radius:12px;box-shadow:var(--shadow);border:1px solid var(--line)}label{display:block;font:600 13px Arial,sans-serif;color:#33485f;margin:0 0 7px}input,select,textarea{width:100%;padding:13px 14px;border:1px solid #cfd6de;border-radius:6px;margin-bottom:17px;font:15px Arial,sans-serif}textarea{min-height:130px;resize:vertical}.checkline{font:13px/1.5 Arial,sans-serif;color:#5b6876;margin:2px 0 18px}.checkline input{width:auto;margin:0 7px 0 0}
.page-hero{padding:70px 0 55px;background:linear-gradient(180deg,#fbfaf7,#fff)}.page-hero h1{font-size:clamp(40px,5vw,60px);line-height:1.08;color:var(--navy);max-width:900px;margin:12px 0 20px}.page-hero p{font:18px/1.65 Arial,sans-serif;color:#506072;max-width:850px}
.content{max-width:900px}.content h2{font-size:35px;color:var(--navy);line-height:1.2;margin-top:42px}.content h3{font-size:24px;color:var(--navy);margin-top:30px}.content p,.content li{font:16px/1.75 Arial,sans-serif;color:#4f6072}.content ul{padding-left:24px}
.cta-band{background:var(--navy);color:#fff;padding:55px 0}.cta-band h2{font-size:36px;line-height:1.2;margin:0 0 14px}.cta-band p{font:16px/1.6 Arial,sans-serif;color:#d7e0ea;max-width:750px}
.legal h1{font-size:48px}.legal h2{font-size:28px;color:var(--navy);margin-top:34px}.legal p,.legal li{font:15px/1.7 Arial,sans-serif;color:#4f6072}.legal ul{padding-left:22px}
footer{background:var(--navy2);color:#fff;padding:55px 0 25px}.footer-grid{display:grid;grid-template-columns:2fr 1fr 1fr;gap:50px}footer h3{margin:0 0 8px}footer p,footer a{font:14px/1.6 Arial,sans-serif;color:#bdc9d6}footer a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:40px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font:12px Arial,sans-serif;color:#98a8ba}
@media(max-width:1150px){
  .hero-banner-media{padding-top:18.3%;aspect-ratio:1532/280;min-height:0;max-height:none}
  .hero-hotspots{display:none}
  .hero-banner-content.container{position:static;display:block;padding:34px 0;background:linear-gradient(180deg,var(--navy),var(--navy2))}
  .hero-banner-text{max-width:100%}
}
@media(max-width:900px){nav{display:none}.contact,.split,.about{grid-template-columns:1fr}.cards2,.prof-grid,.timeline{grid-template-columns:1fr 1fr}.about{gap:25px}.about img{max-width:330px}}
@media(max-width:600px){.nav{min-height:70px}.logo strong{font-size:19px}.logo span{font-size:9px}.cards2,.prof-grid,.timeline,.facts{grid-template-columns:1fr}.topic{min-height:0}.topic .pic{height:190px;width:40%}.topic .copy{padding:22px 18px}.topic h2{font-size:24px}.section{padding:65px 0}.section-title,.split h2,.about h2,.contact h2{font-size:34px}.footer-grid{grid-template-columns:1fr}.footer-bottom{display:block}
  .hero-banner-media{padding-top:125%;aspect-ratio:4/5;min-height:0;max-height:none}
  .hero-banner-text h1{font-size:30px}
}