:root {
  color-scheme: light;
  --navy: #102f43;
  --navy-soft: #1a465e;
  --blue: #007ac2;
  --blue-deep: #006aa9;
  --ivory: #f7f5ef;
  --paper: #fffefa;
  --ink: #173348;
  --muted: #5d6c73;
  --line: #d9dedc;
  --gold: #dec38c;
  --sans: "DM Sans", Arial, sans-serif;
  --serif: "DM Serif Display", Georgia, serif;
}

*,
*::before,
*::after {
  box-sizing: border-box;
}

html {
  scroll-behavior: smooth;
  scroll-padding-top: 6rem;
}

body {
  margin: 0;
  min-width: 320px;
  background: var(--ivory);
  color: var(--ink);
  font-family: var(--sans);
  font-size: 16px;
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { display: block; max-width: 100%; }
button, input, select, textarea { font: inherit; }
a { color: inherit; text-decoration: none; }

:focus-visible {
  outline: 3px solid var(--blue);
  outline-offset: 4px;
}

::selection { background: #b7d9ea; color: var(--navy); }

.container {
  width: min(100% - 80px, 1280px);
  margin-inline: auto;
}

.skip-link {
  position: fixed;
  z-index: 100;
  top: 12px;
  left: 12px;
  padding: 10px 16px;
  transform: translateY(-160%);
  background: var(--navy);
  color: white;
  font-weight: 700;
}
.skip-link:focus { transform: translateY(0); }

.eyebrow-bar {
  background: var(--navy);
  color: #e2ebec;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: .16em;
  line-height: 1.4;
  text-transform: uppercase;
}
.eyebrow-bar__inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  min-height: 31px;
  gap: 20px;
}
.eyebrow-bar__right { color: #a9c7d4; }

.site-header {
  position: relative;
  z-index: 20;
  background: var(--paper);
  border-bottom: 1px solid #e5e8e5;
}
.site-header__inner {
  display: flex;
  align-items: center;
  min-height: 103px;
  gap: clamp(22px, 3.7vw, 62px);
}
.brand { display: inline-flex; flex: 0 0 auto; align-items: center; }
.brand img { width: clamp(210px, 19vw, 266px); height: auto; }
.desktop-nav {
  display: flex;
  align-items: center;
  justify-content: center;
  flex: 1 1 auto;
  gap: clamp(20px, 2.6vw, 40px);
  white-space: nowrap;
}
.desktop-nav a,
.advisor-link {
  color: #314b59;
  font-size: 13px;
  font-weight: 600;
  transition: color .2s ease;
}
.desktop-nav a:hover,
.advisor-link:hover,
.footer a:hover { color: var(--blue); }
.site-header__actions { display: flex; flex: 0 0 auto; align-items: center; gap: 25px; }
.mobile-nav { display: none; }

.button {
  display: inline-flex;
  align-items: center;
  justify-content: space-between;
  gap: 36px;
  min-height: 58px;
  padding: 0 24px;
  border: 1px solid transparent;
  font-size: 13px;
  font-weight: 700;
  letter-spacing: .005em;
  line-height: 1.2;
  white-space: nowrap;
  transition: background .2s ease, border-color .2s ease, color .2s ease, transform .2s ease;
}
.button:hover { transform: translateY(-2px); }
.button span { font-size: 19px; font-weight: 400; line-height: 1; }
.button--small { min-height: 44px; padding-inline: 19px; gap: 27px; }
.button--dark { background: var(--navy); color: white; }
.button--dark:hover { background: var(--navy-soft); }
.button--blue { background: var(--blue); color: white; }
.button--blue:hover { background: var(--blue-deep); }
.button--white { background: var(--paper); color: var(--navy); }
.button--white:hover { background: #eaf4f7; }

.hero {
  overflow: hidden;
  background: var(--ivory);
}
.hero__grid {
  display: grid;
  grid-template-columns: minmax(0, 1fr) minmax(0, .95fr);
  align-items: center;
  gap: clamp(42px, 6.4vw, 100px);
  padding-block: clamp(65px, 7.2vw, 106px) clamp(72px, 8vw, 116px);
}
.hero__copy { max-width: 630px; padding-block: 10px; }
.eyebrow {
  display: flex;
  align-items: center;
  gap: 13px;
  margin: 0 0 27px;
  color: var(--blue-deep);
  font-size: 11px;
  font-weight: 700;
  letter-spacing: .17em;
  line-height: 1.3;
  text-transform: uppercase;
}
.eyebrow__line { display: inline-block; flex: 0 0 32px; width: 32px; height: 1px; background: currentColor; }
.eyebrow--light { color: #acd8ec; }

h1, h2, h3, p { margin-top: 0; }
h1, h2, h3 { color: var(--navy); font-family: var(--serif); font-weight: 400; }
h1 em, h2 em { color: var(--blue); font-weight: 400; }
h1 {
  max-width: 740px;
  margin-bottom: 27px;
  font-size: clamp(57px, 5.8vw, 91px);
  letter-spacing: -.045em;
  line-height: 1.045;
}
.hero__intro {
  max-width: 520px;
  margin-bottom: 32px;
  color: #56666e;
  font-size: clamp(16px, 1.28vw, 18px);
  line-height: 1.75;
}
.hero__actions { display: flex; flex-wrap: wrap; align-items: center; gap: 21px 31px; }
.text-link {
  display: inline-flex;
  align-items: center;
  gap: 14px;
  padding-block: 10px;
  border-bottom: 1px solid #9ab1bb;
  color: var(--navy);
  font-size: 13px;
  font-weight: 700;
  transition: color .2s ease, border-color .2s ease;
}
.text-link:hover { color: var(--blue); border-color: var(--blue); }
.text-link span { font-size: 19px; font-weight: 400; line-height: 1; }
.hero__note {
  display: flex;
  align-items: center;
  gap: 10px;
  margin: 30px 0 0;
  color: #758289;
  font-size: 12px;
  line-height: 1.5;
}
.hero__note-mark { display: inline-block; flex: 0 0 5px; width: 5px; height: 5px; border-radius: 50%; background: var(--blue); }

.hero-art {
  position: relative;
  display: flex;
  flex-direction: column;
  justify-content: space-between;
  isolation: isolate;
  min-height: clamp(490px, 43vw, 620px);
  overflow: hidden;
  padding: 29px 32px 31px;
  background:
    radial-gradient(circle at 53% 52%, rgba(33, 112, 152, .35) 0, rgba(14, 62, 86, .18) 35%, transparent 68%),
    linear-gradient(135deg, #174861, #102f43 67%);
  color: white;
  box-shadow: 20px 23px 0 #e4e9e4;
}
.hero-art::before {
  position: absolute;
  z-index: -1;
  inset: 0;
  border: 1px solid rgba(255,255,255,.15);
  content: "";
  pointer-events: none;
}
.hero-art::after {
  position: absolute;
  z-index: -1;
  top: 7%;
  right: -22%;
  width: 47%;
  aspect-ratio: 1;
  border: 1px solid rgba(213, 232, 239, .16);
  border-radius: 50%;
  content: "";
}
.hero-art__topline,
.hero-art__bottom {
  position: relative;
  z-index: 2;
  display: flex;
  align-items: center;
  justify-content: space-between;
}
.hero-art__topline {
  gap: 12px;
  padding-bottom: 17px;
  border-bottom: 1px solid rgba(255,255,255,.3);
  color: #cae1e8;
  font-size: 9px;
  font-weight: 700;
  letter-spacing: .16em;
  line-height: 1.4;
}
.hero-art__topline span:last-child { color: white; white-space: nowrap; }
.hero-art__rings {
  position: absolute;
  z-index: 0;
  inset: 0;
  display: grid;
  place-items: center;
  pointer-events: none;
}
.hero-art__rings span {
  position: absolute;
  width: 112%;
  aspect-ratio: 1;
  border: 1px solid rgba(211, 234, 240, .23);
  border-radius: 50%;
}
.hero-art__rings span:nth-child(2) { width: 83%; border-color: rgba(211, 234, 240, .37); }
.hero-art__rings span:nth-child(3) { width: 53%; border-color: rgba(211, 234, 240, .44); }
.hero-art__center {
  position: relative;
  z-index: 1;
  align-self: center;
  width: 100%;
  margin-top: -7px;
  text-align: center;
}
.hero-art__asterisk { display: block; margin-bottom: 16px; color: var(--gold); font-size: 29px; line-height: 1; }
.hero-art__center p {
  margin: 0;
  color: white;
  font-family: var(--serif);
  font-size: clamp(35px, 3.2vw, 52px);
  letter-spacing: -.025em;
  line-height: 1.1;
}
.hero-art__center em { color: #c5e6f1; }
.hero-art__bottom { gap: 10px; padding-top: 17px; border-top: 1px solid rgba(255,255,255,.3); font-size: 10px; font-weight: 600; letter-spacing: .05em; }
.hero-art__bottom span:not(:last-child)::after { margin-left: clamp(11px, 2vw, 30px); color: #83b2c7; content: "·"; }

.service-band { background: var(--paper); border-block: 1px solid #e1e5e1; }
.service-band__inner { display: flex; align-items: center; justify-content: center; gap: clamp(20px, 4.2vw, 66px); min-height: 84px; color: var(--navy); font-family: var(--serif); font-size: clamp(17px, 1.8vw, 25px); text-align: center; }
.service-band__sep { color: var(--blue); font-family: var(--sans); font-size: 15px; }

.section { padding-block: clamp(82px, 9vw, 136px); }
.section-head { display: grid; grid-template-columns: minmax(0, 1.25fr) minmax(260px, .75fr); align-items: end; gap: clamp(40px, 7vw, 115px); margin-bottom: 60px; }
.section-head .eyebrow { margin-bottom: 25px; }
h2 { margin-bottom: 0; font-size: clamp(46px, 5.2vw, 76px); letter-spacing: -.035em; line-height: 1.08; }
.section-head > p { max-width: 375px; margin: 0 0 7px; color: var(--muted); font-size: 16px; line-height: 1.75; }

.coverage { background: var(--paper); }
.coverage-list { border-top: 1px solid #cdd7d9; }
.coverage-item {
  display: grid;
  grid-template-columns: 95px minmax(0, 1fr) 198px;
  gap: clamp(23px, 4vw, 58px);
  padding-block: 39px 43px;
  border-bottom: 1px solid #cdd7d9;
}
.coverage-item__number { display: flex; align-items: flex-start; gap: 11px; padding-top: 6px; color: var(--blue); font-size: 13px; font-weight: 700; letter-spacing: .04em; }
.coverage-item__number span { width: 24px; height: 1px; margin-top: 10px; background: #94adba; }
.coverage-item__body { max-width: 650px; }
.coverage-item__kicker { margin-bottom: 6px; color: var(--blue-deep); font-size: 11px; font-weight: 700; letter-spacing: .11em; line-height: 1.5; text-transform: uppercase; }
.coverage-item h3 { margin-bottom: 14px; font-size: clamp(32px, 3.25vw, 48px); letter-spacing: -.025em; line-height: 1.15; }
.coverage-item__body > p:last-child { max-width: 610px; margin-bottom: 0; color: var(--muted); font-size: 15px; line-height: 1.75; }
.coverage-item__aside { display: flex; flex-direction: column; align-items: flex-end; justify-content: space-between; padding-top: 7px; color: #6d7e84; font-size: 12px; line-height: 1.5; text-align: right; }
.coverage-item__arrow { color: var(--blue); font-family: var(--serif); font-size: 32px; line-height: 1; }
.coverage__note { margin: 23px 0 0; color: #79868b; font-size: 12px; line-height: 1.6; }

.question-section { overflow: hidden; padding-block: clamp(88px, 9.5vw, 140px); background: var(--navy); color: white; }
.question-section__grid { display: grid; grid-template-columns: minmax(0, 1.08fr) minmax(0, .82fr); align-items: center; gap: clamp(60px, 10vw, 165px); }
.question-section h2 { max-width: 680px; color: white; }
.question-section h2 em { color: #a9d3e8; }
.question-section__right > p { max-width: 490px; margin-bottom: 31px; color: #c0d3dc; font-size: 16px; line-height: 1.75; }
.question-section ol { margin: 0; padding: 0; list-style: none; border-top: 1px solid rgba(255,255,255,.24); }
.question-section li { display: flex; align-items: baseline; gap: 23px; padding: 18px 0; border-bottom: 1px solid rgba(255,255,255,.24); color: #f2f5f5; font-family: var(--serif); font-size: clamp(18px, 1.8vw, 25px); line-height: 1.35; }
.question-section li span { flex: 0 0 auto; color: #8bc6e4; font-family: var(--sans); font-size: 11px; font-weight: 700; }

.method { background: #f1f2ec; }
.section-head--method { margin-bottom: 61px; }
.method-grid { display: grid; grid-template-columns: repeat(3, minmax(0, 1fr)); gap: clamp(26px, 3vw, 47px); }
.method-grid article { min-width: 0; }
.method-grid__number { display: block; margin-bottom: 26px; color: var(--blue); font-family: var(--serif); font-size: 54px; line-height: 1; }
.method-grid__rule { width: 100%; height: 1px; margin-bottom: 27px; background: #b8cbd0; }
.method-grid h3 { margin-bottom: 11px; font-size: clamp(30px, 3vw, 43px); letter-spacing: -.025em; line-height: 1.15; }
.method-grid p { max-width: 340px; margin-bottom: 0; color: var(--muted); font-size: 15px; line-height: 1.75; }

.faq { background: var(--paper); }
.faq__grid { display: grid; grid-template-columns: minmax(0, .8fr) minmax(0, 1fr); gap: clamp(60px, 9vw, 142px); }
.faq h2 { margin-bottom: 24px; }
.faq__intro { max-width: 300px; margin-bottom: 0; color: var(--muted); font-size: 16px; line-height: 1.7; }
.faq__items { border-top: 1px solid #cdd7d9; }
.faq__items details { border-bottom: 1px solid #cdd7d9; }
.faq__items summary { display: flex; align-items: center; justify-content: space-between; gap: 20px; padding: 23px 0; color: var(--navy); cursor: pointer; font-size: 16px; font-weight: 700; line-height: 1.45; list-style: none; }
.faq__items summary::-webkit-details-marker { display: none; }
.faq__items summary::marker { content: ""; }
.faq__items summary span { flex: 0 0 auto; color: var(--blue); font-size: 27px; font-weight: 400; line-height: 1; transition: transform .2s ease; }
.faq__items details[open] summary span { transform: rotate(45deg); }
.faq__items details > p { max-width: 600px; margin: -4px 38px 24px 0; color: var(--muted); font-size: 15px; line-height: 1.75; }

.contact { padding-block: clamp(70px, 8vw, 113px); background: var(--blue-deep); color: white; }
.contact__grid { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .7fr); align-items: end; gap: clamp(50px, 9vw, 140px); }
.contact h2 { max-width: 790px; color: white; }
.contact h2 em { color: #c7e9f3; }
.contact__action { padding-bottom: 8px; }
.contact__action p { max-width: 300px; margin-bottom: 24px; color: #e0f1f7; font-size: 16px; line-height: 1.7; }
.contact__email { display: block; width: fit-content; margin-top: 17px; color: #dcecf2; font-size: 14px; text-decoration: underline; text-underline-offset: 3px; overflow-wrap: anywhere; }
.contact .eyebrow--light { color: #d0ecf5; }
.contact .button { min-width: 258px; }
.contact .button:focus-visible,
.question-section :focus-visible { outline-color: white; }

.footer { background: var(--ivory); }
.footer__main { display: grid; grid-template-columns: minmax(0, 1.3fr) minmax(0, .72fr) minmax(0, .85fr); gap: clamp(40px, 7vw, 112px); padding-block: 75px 72px; }
.footer__brand img { width: 256px; height: auto; margin-bottom: 23px; }
.footer__brand p { max-width: 280px; margin-bottom: 0; color: var(--muted); font-size: 14px; line-height: 1.7; }
.footer nav { display: flex; flex-direction: column; align-items: flex-start; gap: 12px; }
.footer nav a { font-size: 13px; font-weight: 600; transition: color .2s ease; }
.footer__contact { display: flex; align-items: baseline; justify-content: space-between; gap: 16px; align-self: start; padding-bottom: 13px; border-bottom: 1px solid #9db1b9; color: var(--navy); font-size: 14px; font-weight: 700; transition: color .2s ease; }
.footer__contact span { color: var(--blue); font-size: 21px; font-weight: 400; }
.footer__legal { display: flex; justify-content: space-between; gap: 55px; padding-block: 22px 27px; border-top: 1px solid #d5deda; }
.footer__legal p { max-width: 820px; margin: 0; color: #7a878b; font-size: 11px; line-height: 1.65; }
.footer__legal a { color: var(--navy); text-decoration: underline; text-underline-offset: 2px; }
.footer__legal p:last-child { flex: 0 0 auto; text-align: right; }

@media (max-width: 1190px) {
  .site-header__inner { gap: 25px; }
  .desktop-nav { gap: 20px; }
  .site-header__actions { gap: 15px; }
  .brand img { width: 220px; }
  .hero__grid { gap: 42px; }
  h1 { font-size: clamp(57px, 5.8vw, 74px); }
  .hero-art__bottom { font-size: 9px; }
}

@media (max-width: 1000px) {
  .container { width: min(100% - 52px, 1280px); }
  .site-header__inner { min-height: 84px; }
  .desktop-nav, .advisor-link { display: none; }
  .site-header__actions { margin-left: auto; }
  .mobile-nav { display: block; position: relative; flex: 0 0 auto; }
  .mobile-nav summary { display: flex; flex-direction: column; align-items: center; justify-content: center; gap: 5px; width: 44px; height: 44px; border: 1px solid #bccbd1; cursor: pointer; list-style: none; }
  .mobile-nav summary::-webkit-details-marker { display: none; }
  .mobile-nav summary::marker { content: ""; }
  .mobile-nav summary span { display: block; width: 18px; height: 1.5px; background: var(--navy); transition: transform .2s ease, opacity .2s ease; }
  .mobile-nav[open] summary span:first-child { transform: translateY(6.5px) rotate(45deg); }
  .mobile-nav[open] summary span:nth-child(2) { opacity: 0; }
  .mobile-nav[open] summary span:last-child { transform: translateY(-6.5px) rotate(-45deg); }
  .mobile-nav nav { position: absolute; top: calc(100% + 20px); right: 0; display: flex; flex-direction: column; width: min(320px, calc(100vw - 52px)); padding: 16px 23px; border: 1px solid #d8e0df; background: var(--paper); box-shadow: 0 18px 40px rgba(16,47,67,.16); }
  .mobile-nav nav a { display: block; padding: 12px 0; border-bottom: 1px solid #e3e8e6; color: var(--navy); font-size: 14px; font-weight: 600; }
  .mobile-nav nav a:last-child { border-bottom: 0; }
  .mobile-nav nav a:hover { color: var(--blue); }
  .hero__grid { gap: 36px; padding-block: 70px 90px; }
  .hero-art { min-height: 500px; }
  .hero-art__center p { font-size: clamp(32px, 4vw, 45px); }
  .hero-art__bottom { font-size: 8px; }
  .hero-art__bottom span:not(:last-child)::after { margin-left: 10px; }
  .question-section__grid, .faq__grid { gap: 55px; }
}

@media (max-width: 900px) {
  .contact__grid { grid-template-columns: 1fr; gap: 30px; }
  .contact__action { padding-bottom: 0; }
}

@media (max-width: 760px) {
  html { scroll-padding-top: 2rem; }
  .container { width: min(100% - 40px, 580px); }
  .eyebrow-bar__right { display: none; }
  .site-header__inner { min-height: 76px; }
  .brand img { width: 210px; }
  .header-cta { display: none; }
  .hero__grid { grid-template-columns: 1fr; gap: 54px; padding-block: 66px 76px; }
  .hero__copy { padding: 0; }
  h1 { max-width: 600px; margin-bottom: 22px; font-size: clamp(53px, 10vw, 76px); }
  .hero__intro { max-width: 550px; }
  .hero-art { min-height: 510px; box-shadow: 13px 14px 0 #e4e9e4; }
  .hero-art__center p { font-size: clamp(37px, 7vw, 49px); }
  .service-band__inner { flex-wrap: wrap; gap: 9px 17px; min-height: 0; padding-block: 23px; font-size: 18px; line-height: 1.35; }
  .service-band__sep { font-size: 11px; }
  .section { padding-block: 80px; }
  .section-head { grid-template-columns: 1fr; gap: 25px; margin-bottom: 42px; }
  .section-head > p { max-width: 540px; }
  h2 { font-size: clamp(45px, 8.2vw, 66px); }
  .coverage-item { grid-template-columns: 54px minmax(0, 1fr); gap: 15px 18px; padding-block: 31px 35px; }
  .coverage-item__number span { display: none; }
  .coverage-item__aside { grid-column: 2; align-items: flex-start; flex-direction: row; justify-content: space-between; padding: 0; text-align: left; }
  .coverage-item__arrow { font-size: 26px; }
  .question-section { padding-block: 85px; }
  .question-section__grid { grid-template-columns: 1fr; gap: 42px; }
  .question-section h2 { max-width: 550px; }
  .question-section__right > p { margin-bottom: 27px; }
  .method-grid { grid-template-columns: 1fr; gap: 43px; }
  .method-grid__number { margin-bottom: 18px; }
  .method-grid__rule { margin-bottom: 21px; }
  .method-grid p { max-width: 510px; }
  .faq__grid { grid-template-columns: 1fr; gap: 42px; }
  .contact__grid { grid-template-columns: 1fr; gap: 31px; }
  .contact__action { padding: 0; }
  .footer__main { grid-template-columns: 1fr 1fr; gap: 42px 35px; padding-block: 62px; }
  .footer__brand { grid-column: 1 / -1; }
  .footer__legal { flex-direction: column; gap: 14px; }
  .footer__legal p:last-child { text-align: left; }
}

@media (max-width: 440px) {
  .container { width: min(100% - 36px, 580px); }
  .brand img { width: 184px; }
  .site-header__inner { min-height: 72px; }
  .hero__grid { padding-block: 56px 65px; }
  h1 { font-size: clamp(47px, 12.4vw, 58px); }
  .hero__actions { align-items: flex-start; flex-direction: column; gap: 14px; }
  .hero__actions .button { width: 100%; }
  .hero__note { margin-top: 25px; }
  .hero-art { min-height: 430px; padding: 22px 20px 23px; }
  .hero-art__topline { font-size: 7px; }
  .hero-art__center p { font-size: clamp(31px, 9vw, 40px); }
  .hero-art__bottom { gap: 5px; font-size: 7px; }
  .hero-art__bottom span:not(:last-child)::after { margin-left: 5px; }
  .service-band__inner { font-size: 16px; }
  h2 { font-size: clamp(42px, 11vw, 52px); }
  .coverage-item { grid-template-columns: 36px minmax(0, 1fr); gap: 13px; }
  .coverage-item h3 { font-size: 34px; }
  .coverage-item__body > p:last-child { font-size: 14px; }
  .coverage-item__aside { font-size: 11px; }
  .question-section li { gap: 14px; font-size: 19px; }
  .faq__items summary { font-size: 15px; }
  .footer__main { grid-template-columns: 1fr; gap: 34px; }
  .footer__brand { grid-column: auto; }
  .footer__brand img { width: 236px; }
}

@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .01ms !important; animation-duration: .01ms !important; animation-iteration-count: 1 !important; }
}