:root{--blue:#174a95;--blue-deep:#173a70;--gold:#dcac35;--ink:#172538;--muted:#536274;--paper:#fffefa;--line:#e5e8e9;--pale:#f3f6f8}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:Arial,Helvetica,sans-serif;line-height:1.55}a{color:var(--blue-deep)}a:focus-visible,button:focus-visible{outline:3px solid var(--gold);outline-offset:4px}.wrap{width:min(1120px,calc(100% - 44px));margin:auto}.skip{position:absolute;left:-9999px;top:0;background:white;padding:12px}.skip:focus{left:8px;z-index:4}.mast{border-bottom:1px solid var(--line);background:#fff;position:relative;z-index:2}.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:26px}.brand{font-size:14px;letter-spacing:.09em;text-transform:uppercase;line-height:1.25;font-weight:700;display:flex;align-items:center;gap:13px;color:var(--ink);text-decoration:none}.brand-mark{width:39px;height:39px;border:2px solid var(--blue);display:grid;place-items:center;color:var(--blue);font-family:Georgia,serif;font-size:18px;letter-spacing:-.04em}.nav-links{display:flex;gap:30px;align-items:center}.nav-links a{text-decoration:none;color:var(--ink);font-size:14px}.nav-links a:hover{color:var(--blue)}.nav-links .nav-cta{background:var(--blue);color:#fff;padding:11px 17px}.mobile-nav{display:none}.eyebrow{font-size:11px;letter-spacing:.18em;text-transform:uppercase;color:var(--blue);font-weight:700}.gold-rule{height:2px;width:46px;background:var(--gold);margin:20px 0 28px}.hero{padding:112px 0 105px;background:linear-gradient(115deg,#fffefa 45%,#f1f5f9)}.hero-grid{display:grid;grid-template-columns:minmax(0,1.25fr) minmax(250px,.75fr);gap:9%;align-items:center}.hero h1,h1,h2,.big-quote{font-family:Georgia,'Times New Roman',serif;font-weight:400;letter-spacing:-.035em}.hero h1{font-size:clamp(48px,6vw,88px);line-height:1.04;margin:12px 0 24px;max-width:790px}.lede{font-size:19px;max-width:650px;color:#3d4b5a;line-height:1.65}.note{border-left:2px solid var(--gold);padding:8px 0 8px 22px;color:var(--muted);font-size:15px}.actions{display:flex;gap:13px;flex-wrap:wrap;margin-top:32px}.button{display:inline-block;padding:13px 20px;text-decoration:none;font-size:14px;font-weight:700;background:var(--blue);color:white;border:1px solid var(--blue)}.button:hover{background:var(--blue-deep)}.button.secondary{background:transparent;color:var(--blue)}.button.secondary:hover{background:#eaf0f8}.hero-side{border-top:3px solid var(--gold);border-bottom:1px solid #ced7de;padding:34px 0}.hero-side .big-quote{font-size:clamp(27px,3vw,39px);line-height:1.25;margin:0 0 24px}.hero-side small{font-size:12px;letter-spacing:.12em;text-transform:uppercase;color:var(--muted)}section.block{padding:86px 0;border-top:1px solid var(--line)}.section-head{display:flex;justify-content:space-between;align-items:start;gap:40px}.section-head h2,h2{font-size:clamp(32px,4vw,50px);line-height:1.16;margin:11px 0 22px}.section-head p{max-width:450px;color:var(--muted);margin-top:42px}.columns{display:grid;grid-template-columns:repeat(3,1fr);gap:16px;margin-top:35px}.card{border-top:2px solid var(--blue);padding:26px 25px 28px;background:#f5f7f8;min-height:220px}.card .number{font-size:12px;color:var(--blue);font-weight:700;letter-spacing:.12em}.card h3{font-family:Georgia,serif;font-size:26px;font-weight:400;margin:20px 0 10px;letter-spacing:-.02em}.card p{color:var(--muted);margin:0;font-size:15px}.band{background:var(--blue-deep);color:#fff;padding:70px 0}.band h2{max-width:760px}.band p{color:#d7e2f2;max-width:700px}.band .button{background:white;color:var(--blue-deep);border-color:white}.two{display:grid;grid-template-columns:1fr 1fr;gap:9%;align-items:start}.two p,.prose p{color:var(--muted);font-size:17px}.prose{max-width:780px}.page-head{padding:100px 0 70px}.page-head h1{font-size:clamp(48px,6vw,74px);line-height:1.1;margin:14px 0}.page-head p{font-size:19px;max-width:750px;color:var(--muted)}.list{padding:0;list-style:none}.list li{border-top:1px solid var(--line);padding:22px 0}.list strong{display:block;color:var(--ink)}.list span{color:var(--muted)}.contact-box{padding:40px;background:var(--pale);border-top:3px solid var(--gold)}.footer{padding:55px 0 28px;border-top:1px solid var(--line);background:#fff}.footer-inner{display:flex;justify-content:space-between;gap:30px}.footer nav{display:flex;gap:20px;flex-wrap:wrap}.footer a{font-size:14px;text-decoration:none}.disclaimer{border-top:1px solid var(--line);padding-top:20px;margin-top:40px;font-size:12px;color:var(--muted)}@media(max-width:720px){.wrap{width:min(100% - 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