:root{--navy:#13294b;--navy2:#1d3a66;--or:#d9581a;--or2:#b84612;--ink:#1c2128;--mut:#535b66;--bg:#fff;--alt:#f2f4f7;--line:#d9dee5}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%}
body{margin:0;font:16.5px/1.65 "Helvetica Neue",Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg);padding-bottom:58px}
a{color:#1b4f9c}img{max-width:100%;height:auto;display:block}
h1,h2,h3{font-family:"Helvetica Neue",Helvetica,Arial,sans-serif;font-weight:800;letter-spacing:-.015em;color:var(--navy)}
.wrap{max-width:1180px;margin:0 auto;padding:0 20px}.narrow{max-width:780px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.topbar{background:var(--navy);color:#c9d3e3;font-size:13.5px}.tb{display:flex;justify-content:space-between;gap:12px;padding-top:6px;padding-bottom:6px;flex-wrap:wrap}.topbar a{color:#fff;font-weight:700;text-decoration:none}
.site-header{background:#fff;border-bottom:3px solid var(--navy);position:sticky;top:0;z-index:20}
.hdr{display:flex;align-items:center;gap:18px;min-height:66px;flex-wrap:wrap}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy)}
.brand-t{font-size:20px;font-weight:800;line-height:1.05;text-transform:uppercase;letter-spacing:.02em}.brand-t b{color:var(--or)}
.brand-t small{display:block;font-size:11.5px;font-weight:600;letter-spacing:.08em;color:var(--mut);margin-top:3px}
.nav{display:flex;gap:20px;margin-left:auto;flex-wrap:wrap}
.nav a{color:var(--ink);text-decoration:none;font-weight:700;font-size:14.5px;padding:4px 0;border-bottom:2px solid transparent}.nav a:hover,.nav a[aria-current]{border-bottom-color:var(--or)}
.btn{display:inline-block;background:var(--or);color:#fff;text-decoration:none;font-weight:700;padding:12px 20px;border-radius:0;border:2px solid var(--or)}
.btn:hover{background:var(--or2);border-color:var(--or2)}.btn-sm{padding:8px 14px;font-size:15px}.btn-lg{font-size:18px;padding:14px 24px}
.btn-ghost{background:transparent;color:var(--navy);border-color:var(--navy)}.btn-ghost:hover{background:var(--alt)}
.btn-light{background:#fff;color:var(--navy);border-color:#fff}.btn-light:hover{background:#e8edf4;border-color:#e8edf4}
.crumbs{font-size:13.5px;color:var(--mut);margin-bottom:8px}.crumbs a{color:inherit}
/* hero: split, navy text panel beside a photo */
.hero h1{font-size:clamp(28px,4.4vw,44px);line-height:1.1;margin:.1em 0 .4em}
.lede{font-size:18px;max-width:620px}
.cta-row{display:flex;gap:12px;flex-wrap:wrap;margin:20px 0 14px}
.points{list-style:none;padding:0;margin:4px 0 0;font-size:14.5px;display:flex;flex-wrap:wrap}
.points li{padding:0 12px 0 0;margin:0 12px 4px 0;border-right:1px solid rgba(255,255,255,.35)}.points li:last-child{border:0}
.meta{font-size:14px;color:var(--mut)}
.hero-split,.hero-ov{background:var(--navy);color:#fff;padding:0;border-bottom:0}
.hs{display:grid;grid-template-columns:1fr 1fr;gap:0;align-items:stretch;max-width:none;padding:0}
.hs-t{padding:44px 40px 40px max(20px,calc((100vw - 1180px)/2 + 20px))}
.hs-t h1{color:#fff}.hs-t .lede,.hs-t .crumbs,.hs-t .meta{color:#d5ddea}.hs-t .crumbs a{color:#d5ddea}
.hs-t .btn-ghost{color:#fff;border-color:#fff}.hs-t .btn-ghost:hover{background:rgba(255,255,255,.1)}
.hs-f{margin:0;position:relative;min-height:320px}.hs-f img{position:absolute;inset:0;width:100%;height:100%;object-fit:cover}
.hero-noimg .hs{grid-template-columns:1fr}.hero-noimg .hs-t{padding-right:20px}
.hero-ov{position:relative}.hero-ov .hero-bg{width:100%;height:340px;object-fit:cover}.hero-in{padding-top:28px;padding-bottom:30px}.hero-ov .lede{color:#d5ddea}
.fig{margin:0}.fig img{width:100%}.fig figcaption,.hs-f figcaption{font-size:13px;color:var(--mut);margin-top:6px}
/* sections */
.sec{padding:40px 0}
.sec h2{font-size:clamp(23px,3vw,30px);line-height:1.2;margin:0 0 .5em}
.sec h3{font-size:20px;margin:1.3em 0 .4em}
.sec li{margin:.35em 0}
.sec:nth-of-type(even){background:var(--alt)}
.ss{display:grid;grid-template-columns:1.1fr .9fr;gap:40px;align-items:start}
.sec-left .ss-f{order:-1}
.ss-f img{aspect-ratio:4/3;object-fit:cover}
.sec-wide .wide-f img{max-height:500px;object-fit:cover}.sec-wide .wide-f{margin:8px 0 18px}
.sec-note .narrow{border:2px solid var(--navy);padding:20px 24px;background:#fff}
.note{border-left:4px solid var(--or);padding:10px 16px;background:var(--alt)}
table{border-collapse:collapse;width:100%;font-size:15.5px;display:block;overflow-x:auto}
th,td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}th{background:var(--navy);color:#fff}
/* link lists */
.svc-list{background:#fff}
.sl{display:grid;grid-template-columns:1.25fr .75fr;gap:40px;align-items:start}
.linklist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:1fr 1fr;gap:0 28px}
.linklist li{padding:12px 0;border-top:1px solid var(--line);margin:0}
.linklist a{font-weight:800;font-size:17px;color:var(--navy);text-decoration:none}.linklist a:hover{color:var(--or)}
.linklist span{display:block;color:var(--mut);font-size:15px;line-height:1.5}
.sl-f img{aspect-ratio:3/4;object-fit:cover}
.rowlist{display:grid;grid-template-columns:repeat(2,1fr);gap:0 32px}
.row{display:grid;grid-template-columns:150px 1fr;gap:16px;align-items:start;padding:16px 0;border-top:1px solid var(--line);text-decoration:none;color:var(--ink)}
.row img{width:150px;height:100px;object-fit:cover}
.row strong{display:block;font-size:18px;color:var(--navy);margin-bottom:2px}.row span span{color:var(--mut);font-size:15px}
.row:hover strong{color:var(--or)}
/* faq */
.faqs details{border-top:1px solid var(--line);padding:13px 0}
.faqs summary{font-weight:800;cursor:pointer;font-size:17px;color:var(--navy)}.faqs details[open] summary{margin-bottom:6px}
.related ul{columns:2;padding-left:18px}
/* posts */
.postlist{list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(4,1fr);gap:22px}
.pl a{text-decoration:none;color:var(--ink)}.pl img{aspect-ratio:3/2;object-fit:cover;width:100%}
.pl-t{display:block;font-weight:800;font-size:17px;line-height:1.3;margin:10px 0 4px;color:var(--navy)}
.pl-x{font-size:14px;color:var(--mut);line-height:1.5}
.hb{display:grid;grid-template-columns:1.3fr 1fr;gap:34px}
.hb-main{text-decoration:none;color:var(--ink)}.hb-main img{aspect-ratio:16/9;object-fit:cover;width:100%}
.hb-main strong{display:block;font-size:23px;line-height:1.25;color:var(--navy);margin:12px 0 6px}
.hb-side{list-style:none;padding:0;margin:0}.hb-side li{padding:13px 0;border-top:1px solid var(--line)}.hb-side li:first-child{border-top:0;padding-top:0}
.hb-side a{font-weight:800;font-size:17px;color:var(--navy);text-decoration:none}.hb-side span{display:block;color:var(--mut);font-size:15px}
.postrows{list-style:none;padding:0;margin:0}
.pr{display:grid;grid-template-columns:240px 1fr;gap:24px;padding:20px 0;border-top:1px solid var(--line)}
.pr img{width:100%;aspect-ratio:3/2;object-fit:cover}
.pr h2{font-size:22px;margin:0 0 4px}.pr h2 a{color:var(--navy);text-decoration:none}.pr h2 a:hover{color:var(--or)}
.pr p{margin:.3em 0}.pr-feat{grid-template-columns:1.2fr 1fr;align-items:center;border-top:0;padding-top:0}.pr-feat h2{font-size:30px}
.pager{margin:26px 0 0;display:flex;gap:6px;flex-wrap:wrap}.pager .page-numbers{padding:8px 13px;border:1px solid var(--line);text-decoration:none}.pager .current{background:var(--navy);color:#fff;border-color:var(--navy)}
.post{background:#fff!important}
.prose{font-size:17.5px}.prose h2{margin-top:1.6em}.prose h2:first-child{margin-top:0}
.prose .fig{margin:26px 0}.prose .fig img{max-height:500px;object-fit:cover}
.prose blockquote{margin:1.2em 0;padding:4px 0 4px 18px;border-left:4px solid var(--or);color:var(--mut)}
.sources{font-size:15px}.post-foot{border-top:1px solid var(--line);padding-top:16px;margin-top:30px;color:var(--mut)}
.cta-band{background:var(--or);color:#fff;padding:34px 0}.cta-band h2{margin:0 0 8px;color:#fff}.cta-band p{color:#fff3ea;max-width:760px}
.cta-band .btn-light{color:var(--or2)}
.site-footer{background:#0d1c33;color:#c3cddc;padding:36px 0 10px;font-size:15px}
.site-footer a{color:#fff}.foot{display:grid;grid-template-columns:1.6fr 1.2fr 1.2fr 1fr;gap:26px}
.foot ul{list-style:none;padding:0;margin:0}.foot li{margin:4px 0}.foot-brand{font-weight:800;font-size:18px;color:#fff;margin-top:0;text-transform:uppercase;letter-spacing:.03em}.foot-h{font-weight:800;color:#fff;margin-top:0}
.nap{line-height:1.5}
.fine{font-size:13px;color:#8e9bb0;border-top:1px solid #23344f;padding-top:12px;margin-top:18px}
.callbar{position:fixed;left:0;right:0;bottom:0;z-index:30;background:var(--or);display:none}
.callbar a{display:block;text-align:center;color:#fff;font-weight:800;font-size:18px;padding:15px 10px;text-decoration:none}
@media (max-width:980px){.postlist{grid-template-columns:repeat(2,1fr)}.rowlist{grid-template-columns:1fr}}
@media (max-width:820px){
.tb-r{display:none}.nav{order:3;width:100%;margin:0 -20px;padding:6px 20px 10px;overflow-x:auto;flex-wrap:nowrap;gap:16px;white-space:nowrap}.nav a{font-size:14px}.hdr-call{margin-left:auto}
.foot{grid-template-columns:1fr 1fr}.callbar{display:block}.related ul{columns:1}
.hs,.ss,.sl,.hb{grid-template-columns:1fr;gap:20px}.hs{gap:0}.hs-f{order:-1;min-height:220px}.hs-t{padding:26px 20px}.sec-left .ss-f{order:0}
.linklist{grid-template-columns:1fr}.sl-f img{aspect-ratio:4/3}
.row{grid-template-columns:100px 1fr;gap:12px}.row img{width:100px;height:72px}.row strong{font-size:17px}
.pr,.pr-feat{grid-template-columns:1fr;gap:12px}.pr-feat h2{font-size:25px}
.sec{padding:28px 0}.prose{font-size:17px}}
@media (min-width:821px){body{padding-bottom:0}}
@media (max-width:420px){.brand-t{font-size:16px}.hdr-call{display:none}.foot{grid-template-columns:1fr}.lede{font-size:16.5px}.postlist{grid-template-columns:1fr}}

/* --- 1.1.0 mobile app chrome (under 768px only; desktop unchanged) --- */
.hdr-tools{display:flex;align-items:center;gap:4px;margin-left:0}
.hdr-phone,.nav-toggle{display:none}
.nav-toggle{width:40px;height:40px;border:0;background:transparent;color:var(--ink);padding:0;cursor:pointer}
.nav-toggle-close{display:none}
.site-header.is-open .nav-toggle-open{display:none}
.site-header.is-open .nav-toggle-close{display:inline}
.appbar{display:none}
.ico{display:block}

@media (max-width:767px){
body{padding-bottom:calc(72px + env(safe-area-inset-bottom,0px));overflow-x:hidden}
.topbar{display:none}
.site-header{padding-top:env(safe-area-inset-top,0px)}
.hdr{flex-wrap:wrap;min-height:52px;gap:8px;padding-top:4px;padding-bottom:4px}
.brand{flex:1;min-width:0;gap:8px}
.brand img{width:32px;height:32px;flex-shrink:0}
.brand-t{font-size:16px}
.hdr-tools{margin-left:auto;flex-shrink:0}
.hdr-call{display:none}
.hdr-phone,.nav-toggle{display:flex;align-items:center;justify-content:center;color:var(--ink);text-decoration:none}
.hdr-phone{width:40px;height:40px;color:var(--navy)}
.nav{display:none;order:4;flex:1 0 100%;width:calc(100% + 40px);margin:0 -20px;padding:0;flex-wrap:wrap;white-space:normal;overflow:visible;background:#fff;border-top:1px solid var(--line);flex-direction:column;gap:0}
.site-header.is-open .nav{display:flex}
.nav a{display:block;padding:12px 20px;font-size:16px;border-bottom:1px solid var(--line);border-bottom-color:var(--line);white-space:normal}
.nav a:hover,.nav a[aria-current]{color:var(--or);text-decoration:none;background:#f7f4ef;border-bottom:1px solid var(--line);border-bottom-color:var(--line)}
.callbar{display:none !important}
.appbar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:40;background:#fff;border-top:1px solid var(--line);padding-bottom:env(safe-area-inset-bottom,0px);align-items:stretch}
.appbar a{flex:1;display:flex;flex-direction:column;align-items:center;justify-content:center;gap:2px;min-height:56px;padding:6px 4px;color:var(--ink);text-decoration:none;font-size:11px;font-weight:700;line-height:1.1;border-radius:0;text-align:center}
.appbar a .ico{width:22px;height:22px}
.appbar a[aria-current]{color:var(--navy)}
.appbar a.app-call{background:var(--or);color:#fff}
.site-footer{padding:20px 0 16px;font-size:14px}
.foot{grid-template-columns:1fr;gap:4px}
.foot-intro p{margin:0 0 8px}
.foot-intro p:last-child{margin-bottom:4px}
.foot-brand{font-size:16px}
.foot-group{border-top:1px solid #23344f}
.foot-group > summary{display:flex;align-items:center;justify-content:space-between;padding:11px 0;margin:0;cursor:pointer;list-style:none;font-weight:800;color:#fff}
.foot-group > summary::-webkit-details-marker,.foot-group > summary::marker{display:none;content:none}
.foot-group > summary:after{content:"+";font-weight:700;color:#fff;font-size:18px;line-height:1}
.foot-group[open] > summary:after{content:"\2212"}
.foot-group ul{margin:0;padding:0 0 10px}
.foot-group li{margin:0}
.foot-group a{display:block;padding:6px 0}
.fine{margin-top:10px;padding-top:10px}
}

@media (min-width:768px){
.hdr-tools{margin-left:0}
.foot-group > summary{list-style:none;cursor:default;pointer-events:none}
.foot-group > summary::-webkit-details-marker,.foot-group > summary::marker{display:none;content:none}
.foot-group > summary:after{display:none}
.foot-group > ul{display:block !important}
}