:root{
  --navy:#20254f;
  --navy-2:#2a3068;
  --navy-deep:#161a3c;
  --teal:#4dbaa5;
  --teal-dark:#2f9b86;
  --mint:#eef6f4;
  --sky:#bcd6ee;
  --olive:#8b9a3b;
  --ink:#20254f;
  --slate:#6a7480;
  --line:#dfe7e6;
  --white:#fff;
  --radius:14px;
  --shadow:0 18px 50px -22px rgba(32,37,79,.35);
  --font:"Segoe UI","Segoe UI Variable","Open Sans","Noto Sans",system-ui,-apple-system,Roboto,Arial,sans-serif;
}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth;scroll-padding-top:84px}
body{font-family:var(--font);color:var(--ink);background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased;overflow-x:hidden}
img{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
ul{list-style:none}
button{font-family:inherit;cursor:pointer}
.wrap{width:min(1180px,100% - 48px);margin-inline:auto}
.eyebrow{font-weight:700;letter-spacing:.28em;text-transform:uppercase;font-size:.78rem;color:var(--teal)}
h1,h2,h3,h4{line-height:1.12;font-weight:800;letter-spacing:-.01em}
h2{font-size:clamp(2rem,4vw,3rem);color:var(--navy)}
.lead{font-size:1.1rem;color:var(--slate);max-width:62ch}
.on-dark h2,.on-dark h3{color:#fff}
.on-dark .lead{color:#c8cde6}
section{padding:110px 0;position:relative}
.sec-head{margin-bottom:56px;display:grid;gap:14px}
.bignum{font-weight:300;font-size:clamp(4.5rem,10vw,8rem);line-height:.9;color:var(--teal);letter-spacing:-.04em}

/* buttons */
.btn{display:inline-flex;align-items:center;gap:10px;padding:14px 28px;border-radius:999px;font-weight:700;font-size:.96rem;border:2px solid transparent;transition:.25s}
.btn-teal{background:var(--teal);color:var(--navy-deep)}
.btn-teal:hover{background:#5fcdb7;transform:translateY(-2px)}
.btn-ghost{border-color:rgba(255,255,255,.4);color:#fff}
.btn-ghost:hover{background:#fff;color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-navy:hover{background:var(--navy-2);transform:translateY(-2px)}
.btn svg{width:18px;height:18px}

/* header */
header{position:fixed;inset:0 0 auto 0;z-index:50;transition:.3s}
header .bar{display:flex;align-items:center;justify-content:space-between;height:78px}
header.scrolled{background:rgba(22,26,60,.94);backdrop-filter:blur(12px);box-shadow:0 8px 30px -14px rgba(0,0,0,.5)}
.brand img{height:54px;width:auto}
nav ul{display:flex;gap:30px;align-items:center}
nav a{color:#e6e9f7;font-size:.9rem;font-weight:600;position:relative;padding:6px 0}
nav a:not(.btn)::after{content:"";position:absolute;left:0;bottom:0;height:2px;width:0;background:var(--teal);transition:.25s}
nav a:not(.btn):hover::after{width:100%}
nav .btn{padding:10px 22px;font-size:.88rem;color:var(--navy-deep)}
.burger{display:none;background:none;border:0;width:44px;height:44px;position:relative}
.burger span{position:absolute;left:10px;right:10px;height:2px;background:#fff;transition:.3s}
.burger span:nth-child(1){top:14px}.burger span:nth-child(2){top:21px}.burger span:nth-child(3){top:28px}
.burger.open span:nth-child(1){top:21px;transform:rotate(45deg)}
.burger.open span:nth-child(2){opacity:0}
.burger.open span:nth-child(3){top:21px;transform:rotate(-45deg)}

/* hero */
.hero{background:var(--navy);color:#fff;padding:150px 0 0;overflow:hidden;min-height:100vh;display:flex;align-items:stretch}
.hero::before{content:"";position:absolute;inset:0;background:radial-gradient(900px 500px at 85% 70%,rgba(77,186,165,.18),transparent 60%),radial-gradient(700px 500px at 0% 0%,rgba(120,150,255,.12),transparent 60%)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.05fr .95fr;gap:20px;align-items:end;width:min(1240px,100% - 48px)}
.hero-copy{padding-bottom:110px;align-self:center}
.hero h1{font-size:clamp(3rem,7.4vw,6rem);color:var(--sky);margin:22px 0 28px;letter-spacing:-.025em}
.hero h1 em{font-style:normal;color:#fff;display:block}
.hero p.lead{color:#d6daee;margin-bottom:12px}
.hero .tag{font-style:italic;font-weight:700;color:var(--teal);font-size:1.5rem;margin:18px 0 34px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}
.hero-img{position:relative}
.hero-img img{width:100%;filter:drop-shadow(0 -30px 60px rgba(77,186,165,.18));animation:rise 1.2s cubic-bezier(.2,.7,.2,1) both}
.badge{z-index:3;position:absolute;left:-30px;top:18%;background:#fff;color:var(--navy);padding:16px 20px;border-radius:14px;box-shadow:var(--shadow);display:flex;gap:12px;align-items:center;font-weight:700;font-size:.9rem;animation:float 5s ease-in-out infinite}
.badge i{width:38px;height:38px;border-radius:50%;background:var(--mint);display:grid;place-items:center}
.badge i svg{width:20px;height:20px;color:var(--teal-dark)}
.badge small{display:block;font-weight:600;color:var(--slate);font-size:.74rem}
@keyframes rise{from{opacity:0;transform:translateY(60px)}to{opacity:1;transform:none}}
@keyframes float{50%{transform:translateY(-10px)}}

/* trust strip */
.strip{background:#fff;margin-top:-1px;padding:0}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0;transform:translateY(-60px);background:#fff;border-radius:var(--radius);box-shadow:var(--shadow);padding:10px;margin-bottom:-20px}
.strip .item{padding:26px 24px;display:flex;gap:16px;align-items:flex-start;border-right:1px solid var(--line)}
.strip .item:last-child{border:0}
.ic{flex:none;width:52px;height:52px;border-radius:12px;background:var(--mint);display:grid;place-items:center;color:#0f7f80}
.ic svg{width:28px;height:28px}
.strip h4{font-size:1.08rem;margin-bottom:2px}
.strip p{font-size:.88rem;color:var(--slate);line-height:1.45}

/* about */
.about-grid{display:grid;grid-template-columns:1fr 1.15fr;gap:70px;align-items:start}
.glance{display:grid;gap:0}
.glance .row{display:grid;grid-template-columns:150px 1fr;gap:20px;padding:22px 0 22px 22px;border-left:4px solid var(--navy);margin-bottom:12px;background:linear-gradient(90deg,transparent,transparent)}
.glance .row:nth-child(3),.glance .row:nth-child(4){border-color:var(--teal)}
.glance .k{font-weight:700;letter-spacing:.18em;text-transform:uppercase;font-size:.76rem;color:var(--navy)}
.glance .row:nth-child(3) .k,.glance .row:nth-child(4) .k{color:var(--teal-dark)}
.glance strong{display:block;margin-top:4px;font-size:1rem}
.glance span{color:var(--slate);font-size:.95rem}
.two-col-cards{display:grid;grid-template-columns:1fr 1fr;gap:28px;margin-top:42px}
.panel{border-left:5px solid var(--navy);padding:6px 0 6px 26px}
.panel h4{letter-spacing:.2em;text-transform:uppercase;font-size:.82rem;margin-bottom:16px}
.panel li{position:relative;padding-left:18px;margin-bottom:12px;color:#363c66;font-size:.98rem}
.panel li::before{content:"";position:absolute;left:0;top:.7em;width:6px;height:6px;border-radius:50%;background:var(--teal)}
.reg-banner{background:var(--navy);color:#fff;padding:20px 28px;border-radius:10px;margin-top:20px;font-size:.95rem}

/* story */
.story{background:var(--mint)}
.story-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:70px;align-items:center}
.pillars{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:30px 0}
.pill{background:#fff;padding:24px;border-radius:12px;border-top:3px solid var(--teal);transition:.3s}
.pill:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.pill h4{font-size:1.2rem;margin-bottom:6px}
.pill p{font-size:.9rem;color:var(--slate)}
.story-cols{display:grid;grid-template-columns:1fr 1fr;gap:28px}
.story-photo{position:relative;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow);aspect-ratio:3/4}
.story-photo img{width:100%;height:100%;object-fit:cover;object-position:center top}
.story-photo::after{content:"";position:absolute;inset:0;background:linear-gradient(180deg,transparent 55%,rgba(22,26,60,.55))}
.story-photo .cap{position:absolute;left:24px;right:24px;bottom:22px;z-index:2;color:#fff;font-weight:700;font-size:1.1rem}
.banner{background:var(--navy);color:#fff;padding:22px 30px;border-radius:10px;font-size:1.15rem;margin-top:34px}

/* mission */
.mission-grid{display:grid;grid-template-columns:1.2fr .8fr;gap:70px;align-items:start}
.mrow{display:grid;grid-template-columns:70px 190px 1fr;gap:12px;align-items:center;padding:26px 0 26px 26px;border-left:5px solid var(--navy);margin-bottom:14px}
.mrow.t{border-color:var(--teal)}
.mrow .n{font-size:1.5rem;font-weight:800}
.mrow.t .n{color:var(--teal)}
.mrow h3{font-size:1.5rem;color:var(--navy)}
.mrow p{color:var(--slate);font-size:.98rem}
.promise{background:var(--mint);padding:28px 34px;border-radius:10px;font-weight:700;margin-top:18px;font-size:1.05rem}
.values{display:grid;gap:18px}
.val{display:grid;grid-template-columns:64px 1fr;gap:4px 8px;padding-left:22px;border-left:5px solid var(--navy)}
.val b{font-size:3rem;line-height:1;font-weight:800;grid-row:span 2}
.val h4{font-size:1.25rem}
.val p{color:var(--slate);font-size:.93rem}
.vphoto{border-radius:var(--radius);overflow:hidden;margin-top:14px;box-shadow:var(--shadow)}

/* leadership */
.lead-sec{background:var(--navy);color:#fff;overflow:hidden}
.lead-sec .bignum{color:var(--teal)}
.lead-hero{display:grid;grid-template-columns:1fr 1fr;gap:40px;align-items:end;margin-bottom:60px}
.lead-hero img{width:min(520px,100%);margin-left:auto;margin-bottom:-20px;filter:drop-shadow(0 30px 40px rgba(0,0,0,.4))}
.team{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.person{background:rgba(255,255,255,.05);border:1px solid rgba(255,255,255,.1);border-radius:var(--radius);padding:24px;display:grid;grid-template-columns:1fr;align-content:start;gap:18px;transition:.3s}
.person:hover{background:rgba(255,255,255,.09);transform:translateY(-6px)}
.person.ceo{grid-column:span 4;grid-template-columns:170px 1fr;align-items:center;background:linear-gradient(120deg,rgba(77,186,165,.2),rgba(255,255,255,.04));border-color:rgba(77,186,165,.5)}
.person img{width:100%;aspect-ratio:1/1.05;object-fit:cover;object-position:top;border-radius:12px;filter:grayscale(.15)}
.person h4{font-size:1.15rem;margin-bottom:2px}
.person .role{color:var(--teal);font-weight:700;font-size:.78rem;letter-spacing:.14em;text-transform:uppercase;margin-bottom:10px}
.person p{color:#c8cde6;font-size:.88rem;line-height:1.5;margin-bottom:8px}
.person p b{color:#fff}
.org{margin-top:70px;display:grid;grid-template-columns:260px 1fr;gap:50px;align-items:center}
.org-left{display:grid;gap:0;justify-items:stretch;text-align:center}
.org-left div{background:#fff;color:var(--navy);font-weight:800;padding:22px;border-radius:6px}
.org-left div:first-child{background:var(--navy-2);color:#fff;border:1px solid rgba(255,255,255,.2)}
.org-left::after{display:none}
.org-left .line{width:2px;height:34px;background:var(--teal);margin:0 auto;padding:0;border-radius:0}
.org-right{display:grid;gap:14px}
.org-right div{border-top:6px solid var(--teal);padding:14px 0 0}
.org-right b{display:block;font-size:1.05rem}
.org-right span{color:#aeb4d6;font-size:.92rem}

/* markets */
.markets-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.mk-list{display:grid;gap:0}
.mk{display:grid;grid-template-columns:1fr 1.3fr;gap:20px;padding:20px 0 20px 22px;border-left:5px solid var(--navy);margin-bottom:10px;transition:.25s}
.mk:nth-child(3),.mk:nth-child(4){border-color:var(--teal)}
.mk:hover{background:var(--mint);padding-left:30px}
.mk h4{letter-spacing:.2em;text-transform:uppercase;font-size:.8rem;color:var(--navy)}
.mk:nth-child(3) h4,.mk:nth-child(4) h4{color:var(--teal-dark)}
.mk b{display:block;font-size:.97rem;margin-top:4px}
.mk p{color:var(--slate);font-size:.93rem}
.clients-art{position:relative}
.clients-art img{width:100%}
.clients-art::before{content:"";position:absolute;inset:6% 4% 0;background:var(--navy);border-radius:28px;z-index:-1}
.clients-wrap{padding:30px 30px 0;background:var(--navy);border-radius:28px;overflow:hidden}

/* products */
.products{background:var(--navy);color:#fff}
.tabs{display:flex;gap:14px;margin-bottom:34px;flex-wrap:wrap}
.tab{background:var(--teal);color:var(--navy-deep);border:0;padding:16px 46px;border-radius:12px;font-weight:800;font-size:1.15rem;opacity:.5;transition:.25s}
.tab[aria-selected=true]{opacity:1;transform:translateY(-3px);box-shadow:0 14px 30px -12px rgba(77,186,165,.7)}
.tab:hover{opacity:1}
.panel-p{display:none;grid-template-columns:1.2fr .8fr;gap:56px;align-items:center}
.panel-p.show{display:grid;animation:fade .5s}
@keyframes fade{from{opacity:0;transform:translateY(14px)}}
.panel-p h3{font-size:2.2rem;margin-bottom:12px}
.panel-p .intro{background:rgba(255,255,255,.07);border-radius:10px;padding:18px 24px;margin-bottom:24px;font-weight:600;color:#e4e8f8}
.plist{display:grid;grid-template-columns:1fr 1fr;gap:14px 30px}
.plist div{border-bottom:1px solid rgba(255,255,255,.12);padding-bottom:12px}
.plist b{display:block;font-size:1rem}
.plist span{font-size:.85rem;color:#aeb4d6}
.note{margin-top:22px;font-size:.88rem;color:#aeb4d6;border-left:3px solid var(--teal);padding-left:14px}
.pimg{background:#fff;border-radius:var(--radius);padding:18px;box-shadow:0 30px 60px -24px rgba(0,0,0,.6)}
.pimg img{width:100%;border-radius:8px}
.chips{display:flex;gap:8px;flex-wrap:wrap;margin-bottom:22px}
.chips span{border:1px solid rgba(255,255,255,.25);padding:6px 14px;border-radius:999px;font-size:.8rem;color:#d6daee}

/* services */
.svc-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.svc{background:var(--mint);border-radius:var(--radius);padding:30px 26px;transition:.3s;position:relative;overflow:hidden}
.svc::after{content:"";position:absolute;left:0;bottom:0;height:4px;width:0;background:var(--teal);transition:.4s}
.svc:hover{transform:translateY(-8px);box-shadow:var(--shadow);background:#fff}
.svc:hover::after{width:100%}
.svc .ic{background:#fff;margin-bottom:18px}
.svc:hover .ic{background:var(--mint)}
.svc h4{font-size:1.2rem;margin-bottom:6px}
.svc p{color:var(--slate);font-size:.93rem}
.digital{margin-top:40px;background:var(--navy);color:#fff;border-radius:var(--radius);padding:34px 40px;display:grid;grid-template-columns:auto 1fr;gap:30px;align-items:center}
.digital h4{color:var(--teal);font-size:1.2rem}
.digital p{color:#d6daee}
.digital .chip{background:var(--teal);color:var(--navy-deep);font-weight:800;padding:6px 14px;border-radius:999px;font-size:.78rem;letter-spacing:.1em}

/* process */
.process{background:var(--mint)}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;counter-reset:s}
.step{background:#fff;border-radius:var(--radius);padding:28px;display:grid;grid-template-columns:auto 1fr;gap:6px 18px;transition:.3s;border:1px solid transparent}
.step:hover{border-color:var(--teal);transform:translateY(-4px)}
.step b{font-size:2.6rem;font-weight:800;color:var(--teal);line-height:1;grid-row:span 2}
.step h4{font-size:1.1rem}
.step p{color:var(--slate);font-size:.9rem}
.proc-note{margin-top:34px;font-weight:700;font-size:1.1rem}

/* partners */
.partner-grid{display:grid;grid-template-columns:1fr 1.1fr 1fr;gap:0;border-radius:var(--radius);overflow:hidden;box-shadow:var(--shadow)}
.pcol{padding:40px 36px;border-left:5px solid var(--navy);background:#fff}
.pcol:nth-child(2){background:var(--mint);border-color:var(--teal)}
.pcol h3{font-size:1.4rem;margin-bottom:12px}
.pcol li{padding:7px 0 7px 22px;position:relative;color:#363c66}
.pcol li::before{content:"";position:absolute;left:0;top:1.05em;width:8px;height:8px;border-radius:50%;background:var(--teal)}
.insurers{display:grid;grid-template-columns:1fr 1fr;gap:8px;margin:18px 0}
.insurers span{background:#fff;text-align:center;font-weight:800;padding:12px 8px;border-radius:8px;font-size:.92rem;color:var(--navy);transition:.25s}
.insurers span:hover{background:var(--navy);color:#fff}
.pcol em{color:var(--slate);font-size:.93rem}
.pcol small{display:block;margin-top:18px;font-weight:700;color:var(--navy);font-size:.95rem}
.pcol .sm{color:var(--slate);font-size:.88rem;margin-top:4px}

/* value */
.value{background:var(--navy);color:#fff;overflow:hidden}
.value-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:50px;align-items:center}
.value-grid img.compass{width:100%;filter:drop-shadow(0 30px 50px rgba(0,0,0,.45))}
.vp{display:grid;grid-template-columns:1fr 1fr;gap:26px 40px;margin:34px 0}
.vp h4{color:var(--teal);margin-bottom:6px;font-size:1.1rem}
.vp p{color:#c8cde6;font-size:.95rem}
.trio{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:10px}
.trio div{border-left:3px solid var(--teal);padding-left:16px}
.trio b{display:block;font-size:.88rem;letter-spacing:.1em;text-transform:uppercase;color:var(--teal)}
.trio span{font-size:.92rem;color:#e0e4f6}
.quote{margin-top:34px;font-size:1.4rem;font-weight:300;line-height:1.4;color:#fff;position:relative;padding-left:26px;border-left:4px solid var(--teal)}

/* numbers */
.numbers{padding:0;background:var(--navy-deep);color:#fff}
.numbers .wrap{display:grid;grid-template-columns:repeat(4,1fr);padding:56px 0}
.num{text-align:center;border-right:1px solid rgba(255,255,255,.12)}
.num:last-child{border:0}
.num b{font-size:3.4rem;font-weight:300;color:var(--teal);display:block;line-height:1}
.num span{color:#c8cde6;font-size:.9rem;letter-spacing:.06em}

/* claims */
.claims-grid{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.claim-steps{display:grid;gap:14px;margin:30px 0}
.cs{display:grid;grid-template-columns:48px 1fr;gap:16px;align-items:start}
.cs b{width:48px;height:48px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font-weight:800}
.cs:nth-child(even) b{background:var(--teal);color:var(--navy-deep)}
.cs h4{font-size:1.05rem}
.cs p{color:var(--slate);font-size:.92rem}
.claims-art{background:var(--navy);border-radius:28px;padding:30px;position:relative;overflow:hidden}
.claims-art img{border-radius:16px;width:100%}
.claims-art .float{position:absolute;right:20px;bottom:20px;background:#fff;color:var(--navy);border-radius:12px;padding:14px 18px;font-weight:800;font-size:.92rem;box-shadow:var(--shadow)}
.claims-art .float small{display:block;color:var(--slate);font-weight:600}

/* quote form */
.quote-sec{background:var(--navy);color:#fff;overflow:hidden}
.quote-grid{display:grid;grid-template-columns:.9fr 1.1fr;gap:70px;align-items:start}
.quote-sec ul.ticks li{padding:8px 0 8px 32px;position:relative;color:#d6daee}
.quote-sec ul.ticks li::before{content:"";position:absolute;left:0;top:.75em;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23161a3c' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}
form.card{background:#fff;color:var(--navy);padding:42px;border-radius:20px;box-shadow:0 40px 80px -30px rgba(0,0,0,.6);display:grid;grid-template-columns:1fr 1fr;gap:18px}
form.card h3{grid-column:1/-1;font-size:1.6rem}
form.card .full{grid-column:1/-1}
label{font-size:.78rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--navy);display:grid;gap:7px}
input,select,textarea{font-family:inherit;font-size:1rem;padding:14px 16px;border:1.5px solid var(--line);border-radius:10px;background:var(--mint);color:var(--navy);transition:.2s;width:100%}
input:focus,select:focus,textarea:focus{outline:none;border-color:var(--teal);background:#fff;box-shadow:0 0 0 4px rgba(77,186,165,.2)}
textarea{min-height:110px;resize:vertical}
.ok{display:none;grid-column:1/-1;background:var(--mint);border-left:5px solid var(--teal);padding:16px 20px;border-radius:8px;font-weight:600}
.fine{grid-column:1/-1;font-size:.8rem;color:var(--slate)}

/* resources */
.res-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.post{border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);transition:.3s;background:#fff;display:flex;flex-direction:column}
.post:hover{transform:translateY(-8px);box-shadow:var(--shadow)}
.post .th{aspect-ratio:16/10;background:var(--navy);display:grid;place-items:center;overflow:hidden;position:relative}
.post .th img{width:100%;height:100%;object-fit:cover;opacity:.85}
.post .th span{position:absolute;left:16px;top:16px;background:var(--teal);color:var(--navy-deep);padding:4px 12px;border-radius:999px;font-size:.72rem;font-weight:800;letter-spacing:.08em;text-transform:uppercase}
.post .bd{padding:24px;display:flex;flex-direction:column;gap:10px;flex:1}
.post h4{font-size:1.15rem;line-height:1.3}
.post p{color:var(--slate);font-size:.92rem;flex:1}
.post a{font-weight:800;color:var(--teal-dark);font-size:.9rem}

/* faq */
.faq{background:var(--mint)}
.faq-grid{display:grid;grid-template-columns:.8fr 1.2fr;gap:70px;align-items:start}
.acc{display:grid;gap:12px}
.acc details{background:#fff;border-radius:12px;padding:0 26px;border-left:5px solid var(--navy);transition:.25s}
.acc details[open]{border-color:var(--teal);box-shadow:var(--shadow)}
.acc summary{list-style:none;cursor:pointer;padding:22px 0;font-weight:700;font-size:1.05rem;display:flex;justify-content:space-between;gap:20px;align-items:center}
.acc summary::-webkit-details-marker{display:none}
.acc summary::after{content:"+";font-size:1.7rem;font-weight:300;color:var(--teal);transition:.3s;line-height:1}
.acc details[open] summary::after{transform:rotate(45deg)}
.acc p{padding:0 0 24px;color:var(--slate)}

/* contact */
.contact{background:url(img/city.webp) center/cover no-repeat;color:#fff;padding:130px 0;position:relative}
.contact::before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,26,60,.96),rgba(22,26,60,.7))}
.contact .wrap{position:relative;display:grid;grid-template-columns:1fr 1fr;gap:60px;align-items:center}
.contact h2{color:#fff;font-size:clamp(2.4rem,5vw,4rem)}
.bar-s{width:90px;height:8px;background:#9ee4d3;margin:30px 0}
.cinfo{display:grid;gap:18px}
.cinfo a,.cinfo div{display:grid;grid-template-columns:54px 1fr;gap:16px;align-items:center;background:rgba(255,255,255,.08);border:1px solid rgba(255,255,255,.14);padding:18px 22px;border-radius:12px;backdrop-filter:blur(6px);transition:.3s}
.cinfo a:hover{background:rgba(77,186,165,.25);transform:translateX(8px)}
.cinfo .ic{background:rgba(255,255,255,.1);color:var(--teal)}
.cinfo small{display:block;color:#9ee4d3;letter-spacing:.14em;font-size:.72rem;font-weight:700;text-transform:uppercase}
.cinfo b{font-size:1.05rem}

/* footer */
footer{background:var(--navy-deep);color:#c8cde6;padding:70px 0 28px}
.foot{display:grid;grid-template-columns:1.4fr 1fr 1fr 1.2fr;gap:40px;padding-bottom:44px;border-bottom:1px solid rgba(255,255,255,.12)}
footer img{height:62px;margin-bottom:16px}
footer h5{color:#fff;letter-spacing:.2em;text-transform:uppercase;font-size:.78rem;margin-bottom:16px}
footer li{margin-bottom:9px;font-size:.93rem}
footer a:hover{color:var(--teal)}
.legal{display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px;padding-top:24px;font-size:.84rem}
.legal button{background:none;border:0;color:inherit;text-decoration:underline;font-size:inherit}

/* floating */
.wa{position:fixed;right:22px;bottom:22px;z-index:60;width:60px;height:60px;border-radius:50%;background:#25d366;display:grid;place-items:center;box-shadow:0 14px 30px -8px rgba(0,0,0,.45);transition:.3s}
.wa:hover{transform:scale(1.1) rotate(-6deg)}
.wa svg{width:32px;height:32px;fill:#fff}
.call{position:fixed;right:22px;bottom:94px;z-index:60;width:60px;height:60px;border-radius:50%;background:var(--teal);display:grid;place-items:center;box-shadow:0 14px 30px -8px rgba(0,0,0,.45);transition:.3s}
.call:hover{transform:scale(1.1)}
.call svg{width:26px;height:26px;color:var(--navy-deep)}

/* modal */
.modal{position:fixed;inset:0;background:rgba(22,26,60,.8);z-index:100;display:none;align-items:center;justify-content:center;padding:24px}
.modal.show{display:flex}
.modal .box{background:#fff;max-width:720px;max-height:86vh;overflow:auto;border-radius:16px;padding:44px;position:relative}
.modal h3{font-size:1.8rem;margin-bottom:14px}
.modal h5{margin:18px 0 4px;font-size:1rem}
.modal p{color:var(--slate);font-size:.94rem}
.modal .x{position:absolute;right:18px;top:14px;background:none;border:0;font-size:2rem;color:var(--navy)}

/* overflow safety */
.wrap>*,.cinfo>*,.cinfo span{min-width:0}
.cinfo b{overflow-wrap:anywhere}

/* reveal */
.rv{opacity:0;transform:translateY(34px);transition:opacity .9s ease,transform .9s cubic-bezier(.2,.7,.2,1)}
.rv.in{opacity:1;transform:none}
@media (prefers-reduced-motion:reduce){.rv{opacity:1;transform:none;transition:none}*{animation:none!important}}

/* responsive */
@media (max-width:1020px){
  section{padding:80px 0}
  .burger{display:block}
  nav{position:fixed;inset:78px 0 auto 0;background:var(--navy-deep);padding:20px 24px 34px;transform:translateY(-130%);transition:.4s;box-shadow:0 30px 40px -20px rgba(0,0,0,.5)}
  nav.open{transform:none}
  nav ul{flex-direction:column;align-items:flex-start;gap:6px}
  nav a{display:block;padding:12px 0;font-size:1.05rem}
  header.menu{background:var(--navy-deep)}
  .hero .wrap,.about-grid,.story-grid,.mission-grid,.markets-grid,.panel-p,.value-grid,.claims-grid,.quote-grid,.faq-grid,.contact .wrap,.lead-hero,.org{grid-template-columns:1fr}
  .hero{padding-top:120px}
  .hero-copy{padding-bottom:20px}
  .badge{left:10px}
  .strip .wrap{grid-template-columns:1fr 1fr;transform:translateY(-40px)}
  .strip .item:nth-child(2){border-right:0}
  .strip .item:nth-child(-n+2){border-bottom:1px solid var(--line)}
  .team,.svc-grid,.steps,.res-grid{grid-template-columns:1fr 1fr}
  .person.ceo{grid-column:span 2}
  .partner-grid{grid-template-columns:1fr}
  .foot{grid-template-columns:1fr 1fr}
  .numbers .wrap{grid-template-columns:1fr 1fr;gap:34px 0}
  .num:nth-child(2){border:0}
  .lead-hero img{margin:0 auto -60px;width:min(380px,100%)}
  .mrow{grid-template-columns:50px 1fr}
  .mrow p{grid-column:1/-1}
}
@media (max-width:640px){
  .wrap{width:min(1180px,100% - 36px)}
  .team,.svc-grid,.steps,.res-grid,.two-col-cards,.story-cols,.pillars,.vp,.trio,.plist{grid-template-columns:1fr}
  .person.ceo{grid-column:auto;grid-template-columns:1fr}
  .glance .row,.mk{grid-template-columns:1fr;gap:4px}
  .strip .wrap{grid-template-columns:1fr}
  .strip .item{border-right:0;border-bottom:1px solid var(--line)}
  form.card{grid-template-columns:1fr;padding:28px 22px}
  .digital{grid-template-columns:1fr}
  .foot{grid-template-columns:1fr}
  .tab{padding:14px 26px;font-size:1rem}
  .hero h1{font-size:2.9rem}
  .wa{right:14px;bottom:14px}.call{right:14px;bottom:86px}
  .modal .box{padding:28px 22px}
}

/* ===================== MULTI-PAGE ADDITIONS ===================== */
nav a.active:not(.btn)::after{width:100%}
nav .dd{position:relative}
nav .dd>a::before{content:"";display:none}
nav .sub{display:block;position:absolute;top:100%;left:-18px;min-width:232px;background:var(--navy-deep);padding:10px;border-radius:14px;border:1px solid rgba(255,255,255,.1);box-shadow:0 30px 50px -20px rgba(0,0,0,.6);opacity:0;visibility:hidden;transform:translateY(10px);transition:.25s;margin-top:6px}
nav .sub::before{content:"";position:absolute;left:0;right:0;top:-14px;height:14px}
nav .dd:hover .sub,nav .dd:focus-within .sub{opacity:1;visibility:visible;transform:none}
nav .sub a{display:block;padding:11px 14px;border-radius:9px;font-size:.88rem;white-space:nowrap}
nav .sub a:hover{background:rgba(77,186,165,.16);color:#fff}
nav .sub a::after{display:none!important}
.dd>a .car{display:inline-block;margin-left:6px;width:7px;height:7px;border-right:2px solid var(--teal);border-bottom:2px solid var(--teal);transform:rotate(45deg) translateY(-3px)}

/* page hero */
.page-hero{background:var(--navy);color:#fff;padding:150px 0 90px;position:relative;overflow:hidden}
.page-hero::before{content:"";position:absolute;inset:0;background:radial-gradient(800px 460px at 90% 80%,rgba(77,186,165,.2),transparent 60%),radial-gradient(600px 400px at 0 0,rgba(120,150,255,.14),transparent 60%)}
.page-hero.bg{background-size:cover;background-position:center}
.page-hero.bg::after{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(22,26,60,.97) 25%,rgba(22,26,60,.65))}
.page-hero .wrap{position:relative;z-index:2}
.ph-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:50px;align-items:center}
.ph-grid.solo{grid-template-columns:1fr}
.ph-grid.solo>div{max-width:820px}
.page-hero h1{font-size:clamp(2.4rem,5.4vw,4.4rem);color:#fff;margin:16px 0 20px;letter-spacing:-.02em}
.page-hero h1 em{font-style:normal;color:var(--sky)}
.page-hero .lead{color:#d6daee;font-size:1.15rem}
.page-hero .btn-row{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.crumbs{font-size:.84rem;color:#aeb4d6;display:flex;gap:8px;flex-wrap:wrap;align-items:center}
.crumbs a{color:#d6daee;border-bottom:1px solid transparent}
.crumbs a:hover{color:var(--teal);border-color:var(--teal)}
.crumbs i{font-style:normal;color:var(--teal)}
.ph-img img{width:100%;max-height:520px;object-fit:contain;filter:drop-shadow(0 30px 50px rgba(0,0,0,.45));animation:rise 1s cubic-bezier(.2,.7,.2,1) both}
.ph-img.card{background:#fff;padding:18px;border-radius:20px;box-shadow:0 40px 70px -30px rgba(0,0,0,.65);max-width:470px;margin-left:auto}
.ph-img.card img{border-radius:10px;filter:none;max-height:none}
.ph-img.photo img{border-radius:22px;object-fit:cover;aspect-ratio:4/3.4;filter:none;box-shadow:0 40px 70px -30px rgba(0,0,0,.7)}
.ph-img.tall img{aspect-ratio:3/3.7;object-position:top}
.ph-stats{display:flex;gap:34px;flex-wrap:wrap;margin-top:34px}
.ph-stats div b{display:block;font-size:2rem;font-weight:300;color:var(--teal);line-height:1}
.ph-stats div span{font-size:.78rem;letter-spacing:.1em;text-transform:uppercase;color:#aeb4d6}

/* CTA band */
.cta-band{padding:0;margin:0}
.cta-inner{background:linear-gradient(120deg,var(--navy),var(--navy-2));color:#fff;border-radius:26px;padding:56px 60px;display:grid;grid-template-columns:1.4fr auto;gap:30px;align-items:center;position:relative;overflow:hidden;box-shadow:var(--shadow)}
.cta-inner::after{content:"";position:absolute;right:-80px;top:-80px;width:300px;height:300px;border-radius:50%;background:radial-gradient(circle,rgba(77,186,165,.35),transparent 70%)}
.cta-inner h2{color:#fff;font-size:clamp(1.7rem,3vw,2.4rem);margin-bottom:10px}
.cta-inner p{color:#c8cde6;max-width:56ch}
.cta-inner .btn-row{display:flex;gap:12px;flex-wrap:wrap;position:relative;z-index:2}
.sec-pad-sm{padding:80px 0}
.alt{background:var(--mint)}

/* product cards / filters */
.chips2{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:34px}
.chips2 button{background:#fff;border:1.5px solid var(--line);color:var(--navy);padding:10px 22px;border-radius:999px;font-weight:700;font-size:.9rem;transition:.2s}
.chips2 button:hover{border-color:var(--teal)}
.chips2 button.on{background:var(--navy);border-color:var(--navy);color:#fff}
.pgrid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.pcard{background:#fff;border:1px solid var(--line);border-top:4px solid var(--navy);border-radius:var(--radius);padding:28px 26px;display:flex;flex-direction:column;gap:10px;transition:.3s}
.pcard[data-class=life]{border-top-color:var(--teal)}
.pcard[data-class=health]{border-top-color:var(--olive)}
.pcard:hover{transform:translateY(-6px);box-shadow:var(--shadow)}
.pcard h4{font-size:1.15rem}
.pcard p{color:var(--slate);font-size:.93rem;flex:1}
.pcard a{font-weight:800;color:var(--teal-dark);font-size:.9rem}
.tag{align-self:flex-start;background:var(--mint);color:#0f7f80;font-size:.7rem;font-weight:800;letter-spacing:.12em;text-transform:uppercase;padding:5px 12px;border-radius:999px}
.tag.planned{background:#fff4d6;color:#8a6b00}
.pcard.hide{display:none}

/* class preview cards (home / services) */
.cls-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:26px}
.cls{background:#fff;border-radius:var(--radius);overflow:hidden;border:1px solid var(--line);display:flex;flex-direction:column;transition:.3s}
.cls:hover{transform:translateY(-8px);box-shadow:var(--shadow)}
.cls .th{background:var(--navy);aspect-ratio:16/10;overflow:hidden;display:grid;place-items:center;position:relative;padding:16px}
.cls .th img{height:100%;width:auto;max-width:100%;object-fit:contain;border-radius:8px;background:#fff}
.cls .th img.fill{width:100%;height:100%;object-fit:cover;border-radius:0;background:none}
.cls .bd{padding:28px;display:flex;flex-direction:column;gap:10px;flex:1}
.cls h3{font-size:1.45rem}
.cls p{color:var(--slate);font-size:.95rem}
.cls ul{margin:6px 0 10px}
.cls li{padding:5px 0 5px 20px;position:relative;font-size:.92rem;color:#363c66}
.cls li::before{content:"";position:absolute;left:0;top:.95em;width:7px;height:7px;border-radius:50%;background:var(--teal)}
.cls .more{margin-top:auto;font-weight:800;color:var(--teal-dark)}

/* product detail rows */
.sub-nav{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:78px;z-index:30}
.sub-nav .wrap{display:flex;gap:6px;overflow-x:auto;padding:12px 0;scrollbar-width:none}
.sub-nav a{white-space:nowrap;padding:9px 18px;border-radius:999px;font-weight:700;font-size:.86rem;color:var(--navy);border:1.5px solid var(--line);transition:.2s}
.sub-nav a:hover{background:var(--navy);color:#fff;border-color:var(--navy)}
.prod{padding:90px 0}
.prod:nth-of-type(odd){background:var(--mint)}
.prod-grid{display:grid;grid-template-columns:120px 1fr;gap:30px}
.prod-num{font-size:5.5rem;font-weight:300;color:var(--teal);line-height:.9;letter-spacing:-.04em}
.prod h3{font-size:clamp(1.7rem,3vw,2.3rem);color:var(--navy);margin-bottom:12px}
.prod .cols{display:grid;grid-template-columns:1fr 1fr;gap:34px;margin:28px 0}
.prod h5{letter-spacing:.2em;text-transform:uppercase;font-size:.78rem;color:var(--teal-dark);margin:0 0 12px}
.prod .cols p{color:#363c66;font-size:.97rem;margin-bottom:18px}
.ticks2 li{position:relative;padding:6px 0 6px 28px;color:#363c66;font-size:.97rem}
.ticks2 li::before{content:"";position:absolute;left:0;top:.8em;width:18px;height:18px;border-radius:50%;background:var(--teal) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 24 24' fill='none' stroke='%23161a3c' stroke-width='3.4' stroke-linecap='round' stroke-linejoin='round'%3E%3Cpath d='M5 12.5l4.5 4.5L19 7.5'/%3E%3C/svg%3E") center/12px no-repeat}
.digital-note{display:inline-flex;gap:10px;align-items:center;background:#fff;border:1px dashed var(--teal);border-radius:10px;padding:10px 16px;font-size:.88rem;color:#363c66;margin-bottom:22px}
.digital-note b{color:var(--teal-dark)}
.disc{background:var(--navy);color:#fff;padding:20px 28px;border-radius:12px;margin-top:40px;font-size:.95rem}

/* split blocks */
.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}
.split.rev>:first-child{order:2}
.split img.round{border-radius:22px;box-shadow:var(--shadow);width:100%}
.split .navy-card{background:var(--navy);border-radius:28px;padding:30px;overflow:hidden}
.split .navy-card img{width:100%}
.check li{position:relative;padding:9px 0 9px 36px;border-bottom:1px solid var(--line);color:#363c66}
.check li::before{content:"";position:absolute;left:0;top:.8em;width:22px;height:22px;border-radius:6px;border:2px solid var(--teal);background:var(--mint)}
.check li::after{content:"";position:absolute;left:7px;top:calc(.8em + 4px);width:6px;height:10px;border-right:2.5px solid var(--teal-dark);border-bottom:2.5px solid var(--teal-dark);transform:rotate(45deg)}

/* table */
.tbl-wrap{overflow-x:auto;border-radius:var(--radius);border:1px solid var(--line);box-shadow:var(--shadow)}
table.tbl{width:100%;border-collapse:collapse;min-width:720px;background:#fff}
.tbl th{background:var(--navy);color:#fff;text-align:left;padding:18px 22px;font-size:.78rem;letter-spacing:.16em;text-transform:uppercase}
.tbl td{padding:20px 22px;border-top:1px solid var(--line);vertical-align:top;font-size:.95rem;color:#363c66}
.tbl td:first-child{font-weight:800;color:var(--navy);width:24%}
.tbl tr:nth-child(even) td{background:var(--mint)}
.tbl td span{display:inline-block;background:#fff;border:1px solid var(--line);padding:3px 11px;border-radius:999px;font-size:.8rem;margin:2px 4px 2px 0;color:var(--navy);font-weight:600}
.tbl tr:nth-child(even) td span{background:#fff}

/* blog */
.feat{display:grid;grid-template-columns:1.1fr .9fr;gap:0;background:var(--navy);color:#fff;border-radius:26px;overflow:hidden;box-shadow:var(--shadow);margin-bottom:50px}
.feat .bd{padding:50px;display:flex;flex-direction:column;gap:16px;justify-content:center}
.feat h2{color:#fff;font-size:clamp(1.6rem,2.8vw,2.3rem)}
.feat p{color:#c8cde6}
.feat .im{min-height:340px;background:var(--navy-2) center/cover}
.meta{font-size:.82rem;color:var(--slate);display:flex;gap:14px;align-items:center}
.feat .meta{color:#aeb4d6}
.article-hero-meta{display:flex;gap:18px;flex-wrap:wrap;margin-top:18px;color:#aeb4d6;font-size:.9rem}
.article{max-width:760px;margin:0 auto}
.article h2{font-size:1.8rem;margin:42px 0 14px}
.article p{color:#363c66;font-size:1.05rem;margin-bottom:16px;line-height:1.75}
.article .takeaways{background:var(--mint);border-left:5px solid var(--teal);border-radius:12px;padding:26px 30px;margin:40px 0}
.article .takeaways h4{letter-spacing:.18em;text-transform:uppercase;font-size:.8rem;color:var(--teal-dark);margin-bottom:12px}
.article-img{border-radius:20px;overflow:hidden;margin:34px 0;box-shadow:var(--shadow)}
.article-img img{width:100%;max-height:380px;object-fit:cover}
.related{margin-top:60px}
.note-box{font-size:.88rem;color:var(--slate);border-top:1px solid var(--line);padding-top:18px;margin-top:40px}

/* faq tools */
.faq-tools{display:grid;gap:18px;margin-bottom:34px}
.search{position:relative}
.search input{padding:16px 20px 16px 52px;border-radius:999px;background:#fff;border:1.5px solid var(--line);font-size:1rem}
.search svg{position:absolute;left:18px;top:50%;transform:translateY(-50%);width:22px;height:22px;color:var(--teal-dark)}
.faq-group{margin-bottom:44px}
.faq-group h3{font-size:1.3rem;margin-bottom:16px;padding-left:16px;border-left:5px solid var(--teal)}
.empty{display:none;text-align:center;padding:40px;color:var(--slate)}

/* quote / contact steps */
.next-steps{display:grid;gap:20px;margin:30px 0}
.ns{display:grid;grid-template-columns:52px 1fr;gap:16px}
.ns b{width:52px;height:52px;border-radius:14px;background:var(--teal);color:var(--navy-deep);display:grid;place-items:center;font-weight:800;font-size:1.1rem}
.ns h4{font-size:1.05rem;color:#fff}
.ns p{color:#c8cde6;font-size:.92rem}
.quote-sec .contact-mini{margin-top:26px;border-top:1px solid rgba(255,255,255,.14);padding-top:22px;display:grid;gap:8px;color:#d6daee;font-size:.95rem}
.quote-sec .contact-mini a{color:var(--teal);font-weight:700}
.btn-row2{grid-column:1/-1;display:flex;gap:12px;flex-wrap:wrap}
.btn-wa{background:#25d366;color:#0b3a1d}
.btn-wa:hover{background:#3be37c;transform:translateY(-2px)}
.map{border-radius:20px;overflow:hidden;box-shadow:var(--shadow);border:1px solid var(--line);min-height:380px}
.map iframe{width:100%;height:100%;min-height:380px;border:0;display:block}
.info-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:22px;margin-top:-70px;position:relative;z-index:5}
.info{background:#fff;border-radius:var(--radius);padding:30px;box-shadow:var(--shadow);display:grid;gap:10px;border-top:4px solid var(--teal);transition:.3s}
.info:hover{transform:translateY(-6px)}
.info small{letter-spacing:.16em;text-transform:uppercase;font-size:.72rem;font-weight:700;color:var(--teal-dark)}
.info b{font-size:1.1rem;overflow-wrap:anywhere}
.info p{color:var(--slate);font-size:.9rem}

/* policy */
.policy-grid{display:grid;grid-template-columns:260px 1fr;gap:60px;align-items:start}
.toc{position:sticky;top:110px;border-left:4px solid var(--navy);padding-left:20px;display:grid;gap:10px}
.toc a{font-size:.92rem;color:var(--slate);font-weight:600}
.toc a:hover{color:var(--teal-dark)}
.policy h2{font-size:1.5rem;margin:36px 0 12px;scroll-margin-top:100px}
.policy h2:first-child{margin-top:0}
.policy p,.policy li{color:#363c66;line-height:1.75;margin-bottom:12px}
.policy ul{list-style:disc;padding-left:22px;margin-bottom:14px}
.draft-flag{background:#fff4d6;border-left:5px solid #e0b22a;padding:16px 20px;border-radius:10px;margin-bottom:34px;font-size:.92rem;color:#5c4700}

@media (max-width:1020px){
  nav .sub{position:static;opacity:1;visibility:visible;transform:none;background:none;border:0;box-shadow:none;padding:0 0 4px 14px;margin:0;min-width:0}
  nav .sub::before{display:none}
  nav .sub a{padding:9px 0;font-size:.95rem;color:#aeb4d6;white-space:normal}
  .dd>a .car{display:none}
  .ph-grid,.split,.feat,.policy-grid,.prod .cols,.cta-inner{grid-template-columns:1fr}
  .split.rev>:first-child{order:0}
  .ph-img.card{margin:0}
  .ph-img img{max-height:380px}
  .page-hero{padding:120px 0 60px}
  .pgrid,.cls-grid,.info-grid{grid-template-columns:1fr 1fr}
  .prod-grid{grid-template-columns:1fr;gap:6px}
  .prod-num{font-size:3.6rem}
  .toc{position:static}
  .cta-inner{padding:40px 30px}
  .info-grid{margin-top:-40px}
  .sub-nav{top:78px}
}
@media (max-width:640px){
  .pgrid,.cls-grid,.info-grid{grid-template-columns:1fr}
  .feat .bd{padding:30px 24px}
  .cta-inner{padding:34px 24px;border-radius:20px}
  .prod{padding:60px 0}
}