:root{--orange:#FD5811;--sea:#0B7198;--lagoon:#004F71;--ink:#082f3d;--paper:#f7fbfc;--mist:#eaf4f7;--white:#fff;--line:#cfe1e7}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:var(--paper);line-height:1.55}a{color:inherit}.skip{position:absolute;left:-9999px}.skip:focus{left:1rem;top:1rem;background:#fff;padding:.7rem;z-index:9}.nav{display:flex;align-items:center;justify-content:space-between;padding:1.1rem 6vw;background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}.brand{font-weight:800;font-size:1.35rem;letter-spacing:-.03em}.brand b{color:var(--orange)}.navlinks{display:flex;gap:1.3rem;font-size:.95rem}.nav a{text-decoration:none}.cta{display:inline-block;background:var(--orange);color:#fff;padding:.8rem 1.1rem;border-radius:.35rem;font-weight:700;text-decoration:none}.hero{padding:7rem 6vw 5rem;background:linear-gradient(120deg,var(--lagoon),#073b52 62%,var(--sea));color:#fff;position:relative;overflow:hidden}.hero:after{content:'';position:absolute;width:28rem;height:28rem;border:1px solid rgba(255,255,255,.18);border-radius:50%;right:-7rem;top:-8rem;box-shadow:0 0 0 70px rgba(255,255,255,.03),0 0 0 140px rgba(255,255,255,.025)}.eyebrow{text-transform:uppercase;letter-spacing:.18em;font-size:.76rem;font-weight:700;color:#bfe9f6}.hero h1{font-size:clamp(2.8rem,6vw,5.7rem);line-height:.98;max-width:1000px;margin:.5rem 0 1.2rem;letter-spacing:-.055em}.hero h1 em{font-style:normal;color:#ff8a55}.hero p{font-size:1.25rem;max-width:760px;color:#e5f4f8}.hero .stats{display:flex;gap:2.5rem;flex-wrap:wrap;margin-top:2.5rem}.stat strong{display:block;font-size:2rem;color:#fff}.stat span{color:#cfe8ef}.section{padding:5rem 6vw}.section.white{background:#fff}.section h2{font-size:clamp(2rem,4vw,3.5rem);line-height:1.05;letter-spacing:-.04em;max-width:900px;margin:.3rem 0 1rem}.lead{font-size:1.15rem;max-width:850px;color:#345867}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:1.2rem;margin-top:2.2rem}.card{background:#fff;border:1px solid var(--line);padding:1.5rem;border-radius:.6rem;box-shadow:0 8px 30px rgba(0,79,113,.06)}.card h3{margin:.2rem 0 .5rem;color:var(--lagoon)}.card .num{color:var(--orange);font-size:.78rem;font-weight:800;letter-spacing:.12em}.band{background:var(--mist);padding:3rem 6vw}.flow{display:grid;grid-template-columns:repeat(4,1fr);gap:1rem}.flow div{background:#fff;border-top:4px solid var(--sea);padding:1.2rem}.flow strong{display:block;color:var(--lagoon);font-size:1.1rem}.quote{font-size:clamp(1.7rem,3vw,2.7rem);line-height:1.15;color:var(--lagoon);font-weight:700;max-width:950px}.accent{color:var(--orange)}.two{display:grid;grid-template-columns:1fr 1fr;gap:3rem;align-items:start}.list{padding:0;list-style:none}.list li{padding:.65rem 0;border-bottom:1px solid var(--line)}.list li:before{content:'✓';color:var(--orange);font-weight:900;margin-right:.65rem}.contact{background:var(--lagoon);color:#fff}.contact h2{color:#fff}.contact p{color:#d8edf3}.footer{padding:2rem 6vw;background:#062c3b;color:#c9dce2;font-size:.9rem}.note{font-size:.82rem;color:#66828d;margin-top:1rem}@media(max-width:800px){.navlinks{display:none}.hero{padding-top:4.5rem}.grid,.flow,.two{grid-template-columns:1fr}.section{padding:3.5rem 6vw}}