*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,system-ui,sans-serif;background:#f7f3ea;color:#0f172a}
.container{max-width:1150px;margin:auto;padding:0 24px}
.hero{background:#1f3b6d;color:#fff;padding:72px 0 84px}
.hero-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:34px;align-items:center}
.eyebrow{display:inline-block;background:#ffffff14;padding:8px 14px;border-radius:999px;font-size:12px;font-weight:700;letter-spacing:.14em;text-transform:uppercase}
.eyebrow.blue,.eyebrow.gold{background:transparent;padding:0;border-radius:0}
.eyebrow.blue{color:#1f3b6d}
.eyebrow.gold{color:#f2b632}
h1{font-size:58px;line-height:1.04;margin:18px 0 0;font-weight:800;max-width:780px}
h1 span{color:#f2b632}
.lede{margin-top:22px;font-size:21px;line-height:1.75;color:#dbe4f0;max-width:760px}
.cta-row{margin-top:28px;display:flex;gap:12px;flex-wrap:wrap}
.btn{padding:14px 22px;border-radius:14px;text-decoration:none;font-weight:700;display:inline-block}
.btn-gold{background:#f2b632;color:#111827}
.btn-outline{border:1px solid #ffffff66;color:#fff}
.btn-blue{background:#1f3b6d;color:#fff}
.stat-card{background:#fff;color:#000;border-radius:28px;padding:0;box-shadow:0 20px 40px rgba(0,0,0,.18);overflow:hidden}
.stat-head{padding:24px 24px 12px;border-bottom:1px solid #e5e7eb}
.stat-head h2{font-size:34px;line-height:1.12;margin:10px 0 0}
.stat-body{padding:24px}
.number{font-size:52px;font-weight:800;color:#1f3b6d}
.caption{font-size:15px;line-height:1.65;color:#475569;margin-top:6px}
.stat + .stat{margin-top:18px}
.mini-callout{margin-top:18px;background:#f8fafc;border-radius:18px;padding:16px;font-size:15px;line-height:1.6;color:#334155}
.section{padding:74px 0}
.cards3{display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.card,.smallcard,.info-card,.summary-panel{background:#fff;padding:26px;border-radius:24px;border:1px solid #e2e8f0}
.card h3,.summary-panel h3{font-size:30px;line-height:1.18;margin:12px 0 0}
.card p,.smallcard p,.info-card p,.summary-panel p{font-size:16px;line-height:1.75;color:#475569;margin-top:14px}
.whiteband{background:#fff;border-top:1px solid #e5e7eb;border-bottom:1px solid #e5e7eb}
.split{display:grid;grid-template-columns:1fr 1fr;gap:34px;align-items:start}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}
.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:18px;margin-top:24px}
.section-title{font-size:44px;line-height:1.08;margin:12px 0 0}
.section-title.narrow{max-width:760px}
.lead-dark{font-size:20px;line-height:1.75;color:#334155;margin-top:20px}
.smallcard h4,.policy-card h4,.info-card h4{font-size:24px;margin:0;color:#1f3b6d}
.policy-box{background:#1f3b6d;color:#fff;border-radius:34px;padding:34px;box-shadow:0 20px 40px rgba(0,0,0,.12)}
.policy-title{font-size:42px;line-height:1.1;margin:12px 0 0}
.policy-card{background:#ffffff10;border:1px solid #ffffff12;border-radius:24px;padding:24px}
.policy-card h4{color:#f2b632}
.policy-card p{color:#eef2f7}
.gap{margin-top:24px}
.policy-callout{margin-top:24px;background:#ffffff12;border:1px solid #ffffff12;border-radius:24px;padding:22px;font-size:20px;line-height:1.75}
.bottom-section{align-items:stretch}
.inline-cta{margin-top:26px}
.summary-panel h3{color:#1f3b6d}
.footer{background:#1f3b6d;color:#fff;padding:28px 0}
.footer-row{display:flex;justify-content:space-between;gap:24px;align-items:center}
.footer-title{font-size:34px;font-weight:800}
.footer-sub,.footer-copy{color:#dbe4f0}
@media (max-width: 1100px){.grid4{grid-template-columns:repeat(2,1fr)}}
@media (max-width: 980px){
  .hero-grid,.cards3,.split,.grid2,.grid4{grid-template-columns:1fr}
  .footer-row{display:grid;grid-template-columns:1fr}
  h1{font-size:44px}
  .section-title,.policy-title{font-size:34px}
  .stat-head h2{font-size:28px}
  .number{font-size:42px}
}