:root{--navy:#0B2E6B;--green:#2A7F39;--green-l:#6CC27A;--slate:#4B5A70;--mist:#EEF2F7;--line:#D5DCE6;--white:#fff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--slate);line-height:1.65;font-size:17px;background:#fff}
img{max-width:100%;height:auto}
a{color:var(--green)}
h1,h2,h3{color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(2rem,5vw,3.2rem)}
h2{font-size:clamp(1.5rem,3.2vw,2.1rem)}
h3{font-size:1.15rem}
.wrap{max-width:1100px;margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
header.site{position:sticky;top:0;background:rgba(255,255,255,.96);border-bottom:1px solid var(--line);z-index:50;backdrop-filter:blur(6px)}
.nav{display:flex;align-items:center;justify-content:space-between;min-height:70px;gap:16px}
.nav img{height:40px;width:auto;display:block}
.nav ul{display:flex;gap:6px;list-style:none;margin:0;padding:0;align-items:center}
.nav a.link{color:var(--navy);text-decoration:none;font-weight:700;font-size:.95rem;padding:8px 12px;border-radius:6px}
.nav a.link:hover,.nav a.link[aria-current]{background:var(--mist);color:var(--green)}
.btn{display:inline-block;background:var(--green);color:#fff!important;text-decoration:none;font-weight:700;padding:13px 24px;border-radius:8px;border:0;font-size:1rem;cursor:pointer}
.btn:hover{background:#226a2f}
.btn.ghost{background:transparent;border:2px solid var(--navy);color:var(--navy)!important}
.btn.ghost:hover{background:var(--navy);color:#fff!important}
.nav .btn{padding:9px 18px;font-size:.92rem}
#menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:6px;padding:8px 12px;font-size:1rem;color:var(--navy);font-weight:700;cursor:pointer}
.hero{background:linear-gradient(135deg,var(--navy) 0%,#123f8f 100%);color:#dbe6f7;padding:88px 0 80px}
.hero h1{color:#fff;max-width:18ch}
.hero p.lead{font-size:1.2rem;max-width:62ch;color:#dbe6f7}
.eyebrow{display:inline-block;color:var(--green-l);font-weight:700;letter-spacing:.12em;font-size:.8rem;text-transform:uppercase;margin-bottom:14px}
.hero .actions{display:flex;gap:14px;flex-wrap:wrap;margin-top:30px}
.hero .btn.ghost{border-color:#fff;color:#fff!important}
.hero .btn.ghost:hover{background:#fff;color:var(--navy)!important}
.page-head{background:var(--mist);padding:60px 0 48px;border-bottom:1px solid var(--line)}
.page-head p{max-width:65ch;font-size:1.1rem;margin:0}
section{padding:68px 0}
section.alt{background:var(--mist)}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:18px;margin-top:-40px;position:relative}
.stat{background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;box-shadow:0 8px 24px rgba(11,46,107,.08)}
.stat b{display:block;font-size:2.3rem;color:var(--green);line-height:1}
.stat span{font-size:.95rem}
.grid{display:grid;gap:22px;grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px}
.alt .card{border-color:transparent}
.card .num{display:inline-flex;width:36px;height:36px;border-radius:50%;background:var(--green);color:#fff;align-items:center;justify-content:center;font-weight:700;margin-bottom:14px}
.card p{margin:0}
.split{display:grid;gap:40px;grid-template-columns:1fr 1fr;align-items:start}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding-left:30px;position:relative;margin-bottom:12px}
.checks li:before{content:"";position:absolute;left:0;top:.35em;width:16px;height:9px;border-left:3px solid var(--green);border-bottom:3px solid var(--green);transform:rotate(-45deg)}
table{width:100%;border-collapse:collapse;background:#fff;border:1px solid var(--line);border-radius:12px;overflow:hidden}
th,td{text-align:left;padding:15px 18px;border-bottom:1px solid var(--line);vertical-align:top}
th{background:var(--navy);color:#fff;font-size:.9rem;letter-spacing:.04em}
td:first-child{color:var(--navy);font-weight:700;width:32%}
tr:last-child td{border-bottom:0}
.cta{background:var(--navy);color:#dbe6f7;text-align:center}
.cta h2{color:#fff}
.cta p{max-width:56ch;margin:0 auto 24px}
form{display:grid;gap:16px}
label{font-weight:700;color:var(--navy);font-size:.95rem;display:block;margin-bottom:6px}
input,select,textarea{width:100%;padding:13px 14px;border:1px solid #b9c4d4;border-radius:8px;font:inherit;color:#1c2a3f;background:#fff}
input:focus,select:focus,textarea:focus{outline:3px solid rgba(42,127,57,.35);border-color:var(--green)}
textarea{min-height:150px;resize:vertical}
.hp{position:absolute;left:-9999px}
.notice{background:#e8f5ea;border:1px solid var(--green);color:#1c5a28;padding:14px 18px;border-radius:8px;margin-bottom:20px;font-weight:700}
footer.site{background:var(--mist);border-top:1px solid var(--line);padding:46px 0 24px;font-size:.93rem}
.foot{display:grid;gap:30px;grid-template-columns:2fr 1fr 1fr}
.foot img{height:38px;margin-bottom:12px}
.foot h4{margin:0 0 10px;color:var(--navy)}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin-bottom:6px}
.foot a{text-decoration:none}.foot a:hover{text-decoration:underline}
.legal{border-top:1px solid var(--line);margin-top:28px;padding-top:18px;font-size:.85rem}
@media(max-width:860px){
 .split,.foot{grid-template-columns:1fr}
 #menu-btn{display:block}
 .nav ul{display:none;position:absolute;top:70px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line);flex-direction:column;align-items:stretch;padding:12px 22px 18px}
 .nav ul.open{display:flex}
 .hero{padding:60px 0 64px}
 th,td{padding:12px}
}

/* graphics */
.ic{width:1.35em;height:1.35em;vertical-align:-.3em}
.icbox{display:inline-flex;width:52px;height:52px;border-radius:14px;background:#e8f5ea;color:var(--green);align-items:center;justify-content:center;margin-bottom:14px}
.icbox .ic{width:28px;height:28px;vertical-align:0}
.icbox.sm{width:40px;height:40px;border-radius:10px;margin:0;flex:none}
.icbox.sm .ic{width:22px;height:22px}
td .ic{color:var(--green);margin-right:10px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:40px;align-items:center}
.hero-art{width:100%;max-width:440px;justify-self:end;height:auto}
.fees-viz{margin:4px 0 20px}
.fv-row{display:grid;grid-template-columns:130px 1fr;gap:10px;align-items:center;margin-bottom:10px;font-size:.9rem;color:var(--navy);font-weight:700}
.fv-track{display:flex;height:32px}
.fv-bar{height:100%;border-radius:6px}
.fv-old{background:#b9c4d4}
.fv-new{background:var(--green);border-radius:6px 0 0 6px}
.fv-gap{height:100%;border:2px dashed var(--green);border-left:0;border-radius:0 6px 6px 0;display:flex;align-items:center;justify-content:center;padding:0 4px}
.fv-gap em{font-style:normal;font-size:.7rem;line-height:1.1;color:var(--green);text-align:center}
.fees-viz small{color:var(--slate);font-size:.78rem}
.reach{width:100%;height:auto;max-width:560px;display:block;margin:0 auto}
.sectors{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:14px}
.sectors li{display:flex;align-items:center;gap:12px;background:#fff;border-radius:12px;padding:12px 14px;color:var(--navy);font-weight:700;font-size:.95rem}
.flow{list-style:none;padding:0;margin:26px 0 0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.flow li{position:relative;background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px 16px;text-align:center}
.flow li b{display:block;color:var(--navy);margin-bottom:6px}
.flow li small{display:block;color:var(--slate);font-size:.85rem;line-height:1.5}
.flow li:not(:last-child)::after{content:"";position:absolute;right:-17px;top:50%;width:10px;height:10px;border-top:3px solid var(--green);border-right:3px solid var(--green);transform:translateY(-50%) rotate(45deg)}
.flow-note{text-align:center;margin:20px 0 0;color:var(--navy);font-weight:700}
.steps{list-style:none;padding:0;margin:14px 0 0;display:grid;gap:14px}
.steps li{display:flex;align-items:center;gap:14px}
.steps li:not(:last-child){position:relative}
.foot .social a{display:inline-flex;align-items:center;gap:8px}
.foot .social .ic{width:26px;height:26px;color:var(--navy)}
@media(max-width:860px){
 .hero-grid{grid-template-columns:1fr}
 .hero-art{max-width:260px;justify-self:start}
 .flow{grid-template-columns:1fr 1fr}
 .flow li:not(:last-child)::after{display:none}
 .fv-row{grid-template-columns:110px 1fr}
}
@media(max-width:520px){.flow{grid-template-columns:1fr}}

/* insights */
.narrow{max-width:820px}
.intro{margin-bottom:28px}
.intro p{margin:0 0 14px}
.intro .btn{margin:4px 10px 4px 0}
.post{background:#fff;border:1px solid transparent;border-radius:12px;padding:32px;margin-bottom:26px}
.post h2{margin-bottom:.6em}
.post p{margin:0 0 16px}
blockquote{margin:18px 0 22px;padding:16px 20px;border-left:4px solid var(--green);background:var(--mist);border-radius:0 8px 8px 0;color:var(--navy);font-style:italic}
@media(max-width:520px){.post{padding:22px}}