:root{--navy:#062b49;--deep:#031f35;--blue:#1687e8;--ink:#10283d;--muted:#607184;--bg:#f4f8fb}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Arial,Helvetica,sans-serif}h1,h2{font-family:Georgia,'Times New Roman',serif;font-weight:400}header{height:76px;display:flex;align-items:center;padding:0 6%;gap:34px;background:#fff;position:sticky;top:0;z-index:10;box-shadow:0 1px 8px #0000000d}.brand{color:var(--deep);text-decoration:none;line-height:1;min-width:190px}.brand strong{font-family:Georgia,'Times New Roman',serif;font-size:27px;letter-spacing:5px}.brand small{display:block;font-size:6px;letter-spacing:2px;margin-top:6px}nav{display:flex;gap:27px;margin-left:auto}nav a{font-size:13px;color:var(--ink);text-decoration:none}.btn{display:inline-block;background:var(--blue);color:#fff;text-decoration:none;padding:15px 23px;border-radius:3px;font-weight:600;font-size:13px}.btn.top{background:var(--navy);white-space:nowrap}.menu{display:none;margin-left:auto;background:none;border:0;font-size:24px}.hero{min-height:590px;position:relative;background:linear-gradient(90deg,#062b49 0%,#062b49cc 38%,#062b4933 70%),url('https://images.unsplash.com/photo-1540946485063-a40da27545f8?auto=format&fit=crop&w=2000&q=85') center/cover}.hero-copy{position:relative;color:white;padding:95px 6%;max-width:780px}.eyebrow{font-size:11px;letter-spacing:3px;font-weight:600}.blue{color:#1687e8}.hero h1{font-size:57px;line-height:1.12;margin:20px 0}.hero-copy>p:not(.eyebrow){max-width:620px;font-size:17px;line-height:1.7}.actions{display:flex;gap:16px;margin-top:28px}.ghost{background:transparent;border:1px solid #fff}.section{padding:72px 6%}.section-head{display:grid;grid-template-columns:1.2fr 1fr;gap:80px;align-items:end}.section h2,.cta h2{font-size:37px;line-height:1.25;margin:8px 0 24px}.section-head>p{line-height:1.7}.cards{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:38px}.cards article,.three article{padding:32px;background:#fff;box-shadow:0 8px 30px #183f5d12;border:1px solid #e8eef3}.cards span{font-size:28px;color:var(--blue)}h3{font-family:Georgia,'Times New Roman',serif;font-size:19px}.cards p,.three p,.about p{line-height:1.65;color:var(--muted)}.quote{display:grid;grid-template-columns:1.1fr 1fr;min-height:340px;background:var(--deep);color:white}.quote>div:first-child{background:url('https://images.unsplash.com/photo-1518465058-628c5a275ee7?auto=format&fit=crop&w=1200&q=85') center/cover}.quote-copy{padding:60px}.quote h2{font-size:34px;line-height:1.35}.quote p{line-height:1.7}.about{display:grid;grid-template-columns:1.2fr 1fr;gap:80px}.about aside{background:var(--bg);padding:38px}.stats{display:flex;gap:30px;border-top:1px solid #d9e3eb;margin-top:28px;padding-top:24px}.stats b{font-family:Georgia,'Times New Roman',serif;font-size:25px}.stats small{display:block;font-family:Arial,Helvetica,sans-serif;font-size:11px;font-weight:400;color:var(--muted);margin-top:7px}.light{background:var(--bg)}.three{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.narrow{max-width:700px;color:var(--muted);line-height:1.7}.tags{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}.tags span{padding:11px 16px;border:1px solid #cfdbe5}.cta{padding:65px 6%;display:flex;align-items:center;justify-content:space-between;background:linear-gradient(90deg,#042b49,#0d476d);color:#fff}.cta p{line-height:1.7}.cta a{color:#fff}footer{padding:34px 6%;display:flex;align-items:center;gap:40px;justify-content:space-between;font-size:11px;color:var(--muted)}@media(max-width:900px){header nav,header .top{display:none}.menu{display:block}.hero h1{font-size:42px}.section-head,.about,.quote{grid-template-columns:1fr}.cards{grid-template-columns:1fr 1fr}.quote>div:first-child{min-height:280px}.three{grid-template-columns:1fr}.cta,footer{align-items:flex-start;flex-direction:column}.stats{flex-wrap:wrap}}@media(max-width:560px){.hero{min-height:620px}.hero-copy{padding-top:70px}.hero h1{font-size:36px}.actions{align-items:flex-start;flex-direction:column}.cards{grid-template-columns:1fr}.section{padding:55px 7%}.quote-copy{padding:45px 7%}}
.steps{display:grid;grid-template-columns:repeat(3,1fr);gap:20px;margin-top:36px}.steps article{padding:28px;border-top:2px solid var(--blue);background:var(--bg)}.steps article>b{font-family:Georgia,'Times New Roman',serif;font-size:28px;color:var(--blue)}.steps p,.digital p{line-height:1.65;color:var(--muted)}.digital{background:#edf5fa}.insights article{min-height:140px}.insights article h3{line-height:1.5}@media(max-width:900px){.steps{grid-template-columns:1fr 1fr}}@media(max-width:560px){.steps{grid-template-columns:1fr}}

/* multi-page additions */
.pagehero{padding:82px 6%;background:linear-gradient(100deg,#062b49,#0d476d);color:#fff}.pagehero h1{font-size:48px;max-width:900px;margin:12px 0}.pagehero p{max-width:760px;line-height:1.7}.content{max-width:1100px;margin:auto}.twocol{display:grid;grid-template-columns:1.15fr .85fr;gap:70px}.checklist{padding:0;list-style:none}.checklist li{padding:12px 0;border-bottom:1px solid #e4ebf0}.checklist li:before{content:'✓';color:var(--blue);font-weight:700;margin-right:12px}.contactgrid{display:grid;grid-template-columns:1fr 1fr;gap:50px}.contactbox{padding:34px;background:var(--bg)}.contactbox a{color:var(--navy)}.crumb{font-size:11px;letter-spacing:1.5px;opacity:.8}.logo-row{display:flex;gap:20px;flex-wrap:wrap;margin-top:25px}.logo-pill{padding:14px 18px;border:1px solid #d8e2ea;background:#fff}.article-list article{padding:28px 0;border-bottom:1px solid #dde6ed}.article-list h3{margin-bottom:8px}.article-list p{color:var(--muted);line-height:1.65}.legal{font-size:12px;line-height:1.7;color:var(--muted)}@media(max-width:900px){.twocol,.contactgrid{grid-template-columns:1fr}.pagehero h1{font-size:38px}}

.lang{font-size:12px;white-space:nowrap}.lang a{color:var(--ink);text-decoration:none;padding:4px}.lang .active{font-weight:700;color:var(--blue)}.form{display:grid;gap:14px}.form label{font-size:13px;font-weight:600}.form input,.form textarea,.form select{width:100%;padding:13px;border:1px solid #cbd8e2;border-radius:3px;font:inherit;background:#fff}.form textarea{min-height:140px;resize:vertical}.form .consent{display:flex;gap:10px;align-items:flex-start;font-weight:400;line-height:1.5}.form .consent input{width:auto;margin-top:3px}.notice{padding:16px 18px;background:#edf5fa;border-left:3px solid var(--blue);font-size:13px;line-height:1.6}.legal-links a{color:inherit}.portrait-placeholder{aspect-ratio:4/5;background:linear-gradient(145deg,#e8f0f6,#c9d9e5);display:flex;align-items:center;justify-content:center;text-align:center;padding:25px;color:#607184;font-size:13px;border:1px solid #d7e2ea}.photo-note{font-size:12px;color:#607184;margin-top:8px}.footerlinks{display:flex;gap:14px;flex-wrap:wrap}.footerlinks a{color:var(--muted)}@media(max-width:1050px){.lang{margin-left:auto}}@media(max-width:900px){header .lang{display:block}.portrait-placeholder{max-width:360px}}
.profile-photo{width:100%;max-width:430px;aspect-ratio:4/5;object-fit:cover;object-position:center 32%;display:block;border-radius:2px;box-shadow:0 18px 50px rgba(7,35,59,.16)}
.brand-logo{height:48px;width:auto;display:block}
@media(max-width:700px){.profile-photo{max-width:340px;margin:auto}.brand-logo{height:40px}}