*, *::before, *::after { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  color: #fff;
  background: #021d4a;
  line-height: 1.6;
  overflow-x: hidden;
}
img { max-width: 100%; display: block; }
a { color: #E4C56A; text-decoration: none; }
a:hover { color: #fff; }
ul { list-style: none; }
button { font-family: inherit; cursor: pointer; }

.wrap { width: min(1120px, calc(100% - 48px)); margin: 0 auto; }

h1, h2, h3, h4 {
  font-family: "Plus Jakarta Sans", "Segoe UI", sans-serif;
  font-weight: 700;
  letter-spacing: -0.04em;
  color: #fff;
}

.eyebrow {
  display: block;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.18em;
  text-transform: uppercase;
  color: #E4C56A;
  margin-bottom: 14px;
}

.section { padding: 88px 0; background: #021d4a; }
.section-alt { background: #011633; }
.section-navy { background: #010f24; color: #fff; }
.section-navy h2,
.section-navy h3,
.section-navy p,
.section-navy li { color: #fff; }
.lead { font-size: 17px; color: #C5D0E0; max-width: 640px; }
.section-navy .lead { color: #C5D0E0; }
.section-navy .eyebrow { color: #E4C56A; }

.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  min-height: 46px;
  padding: 0 18px;
  border-radius: 2px;
  font-weight: 700;
  font-size: 14px;
  border: 1px solid transparent;
  transition: background .18s ease, color .18s ease, border-color .18s ease;
}
.btn-primary,
.btn-light {
  background: #E0B53A;
  color: #1A1408;
  border-color: #E0B53A;
}
.btn-primary:hover,
.btn-light:hover { background: #F0D48A; color: #1A1408; }
.btn-ghost,
.btn-outline-white {
  background: transparent;
  color: #fff;
  border-color: rgba(255, 255, 255, 0.28);
}
.btn-ghost:hover,
.btn-outline-white:hover { background: #fff; color: #111; }
.btn-row { display: flex; flex-wrap: wrap; gap: 10px; margin-top: 24px; }

.nav {
  position: sticky;
  top: 0;
  z-index: 50;
  background: #01183a;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
}
.nav-shell {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  min-height: 86px;
}
.brand { display: flex; align-items: center; gap: 12px; color: #fff; min-width: 0; }
.brand img {
  height: 70px;
  width: auto;
  max-width: 130px;
  border-radius: 0;
  object-fit: contain;
  box-shadow: none;
  background: transparent;
}
.brand.has-logo .mark,
.brand.has-logo .brand-name { display: none; }
.mark { display: none; }
.brand-name { display: flex; flex-direction: column; line-height: 1.05; }
.brand-name strong { font-size: 15px; font-weight: 800; letter-spacing: -0.03em; color: #fff; }
.brand-name em {
  margin-top: 3px;
  font-style: normal;
  font-size: 10px;
  font-weight: 700;
  letter-spacing: 0.14em;
  text-transform: uppercase;
  color: #E4C56A;
}
.nav-links { display: flex; align-items: center; gap: 22px; }
.nav-links a {
  color: #D5DCEC;
  font-size: 15px;
  font-weight: 600;
  padding: 6px 0;
  border-bottom: 1px solid transparent;
}
.nav-links a:hover { color: #fff; border-bottom-color: #E0B53A; }
.nav-links a.featured { color: #fff; }
.nav-cta { display: flex; gap: 8px; }
.nav-cta .btn { min-height: 42px; padding: 0 16px; font-size: 15px; }
.hamburger {
  display: none;
  width: 42px;
  height: 42px;
  border: 1px solid rgba(255, 255, 255, 0.2);
  background: transparent;
  border-radius: 2px;
  color: #fff;
  font-size: 18px;
}
.mobile-menu {
  display: none;
  margin: 0 0 14px;
  padding: 8px 0 12px;
  background: #01183a;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.mobile-menu.open { display: grid; }
.mobile-menu a, .mobile-menu button {
  width: 100%;
  text-align: left;
  padding: 12px 4px;
  background: none;
  border: 0;
  border-bottom: 1px solid rgba(255, 255, 255, 0.06);
  color: #fff;
  font-size: 16px;
  font-weight: 600;
}
.mobile-menu a:hover { color: #E4C56A; }

.market-ticker {
  position: sticky;
  top: var(--nav-h);
  z-index: 49;
  height: var(--ticker-height);
  background: #010f24;
  border-bottom: 1px solid rgba(255, 255, 255, 0.08);
  display: flex;
  align-items: center;
  overflow: hidden;
  font-size: 12px;
  color: #fff;
}
.market-ticker__marquee-area { position: relative; flex: 1; min-width: 0; overflow: hidden; }
.market-ticker__marquee-area::after {
  content: "";
  position: absolute;
  top: 0; right: 0;
  width: 48px; height: 100%;
  background: linear-gradient(to right, transparent, #010f24);
  pointer-events: none;
  z-index: 2;
}
.market-ticker__track {
  display: flex;
  width: max-content;
  height: 100%;
  animation: ticker-scroll var(--ticker-duration, 80s) linear infinite;
}
.market-ticker__track:hover { animation-play-state: paused; }
@keyframes ticker-scroll {
  0% { transform: translateX(0); }
  100% { transform: translateX(-50%); }
}
.market-ticker__item {
  display: flex;
  align-items: center;
  gap: 8px;
  padding: 0 16px;
  white-space: nowrap;
  flex-shrink: 0;
}
.market-ticker__label { font-weight: 800; letter-spacing: 0.08em; color: #E4C56A; }
.market-ticker__value { color: #fff; }
.market-ticker__change { display: inline-flex; align-items: center; gap: 3px; font-weight: 700; white-space: nowrap; }
.market-ticker__change--up { color: #b7e0c2; }
.market-ticker__change--down { color: #f0b4b0; }
.market-ticker__change--flat { color: rgba(255, 255, 255, 0.5); }
.market-ticker__loading { display: flex; align-items: center; padding: 0 16px; color: #C5D0E0; font-size: 12px; }
@media (max-width: 767px) {
  :root { --ticker-height: 34px; --nav-h: 78px; }
  .nav-shell { min-height: 78px; }
  .brand img { height: 62px; width: auto; max-width: 114px; }
}

.hero {
  width: min(1120px, calc(100% - 48px));
  margin: 0 auto;
  padding: 56px 0 28px;
  background: transparent;
}
.hero-top {
  display: grid;
  grid-template-columns: 1.15fr 0.85fr;
  gap: 48px;
  align-items: start;
}
.hero h1 {
  color: #fff;
  font-size: clamp(42px, 5.4vw, 68px);
  line-height: 0.98;
  max-width: 11ch;
  margin: 0 0 16px;
}
.hero .lede { font-size: 18px; color: #C5D0E0; max-width: 460px; }
.creed {
  display: flex;
  flex-wrap: wrap;
  gap: 18px;
  margin-top: 32px;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #fff;
}
.creed span { padding-top: 10px; border-top: 2px solid #E0B53A; }

.hero-stats,
.pillars,
.hero-tiles,
.rail,
.num-grid,
.story-wide,
.ombuds-rail {
  display: grid;
  gap: 12px;
}
.hero-stats { grid-template-columns: repeat(3, 1fr); margin-top: 40px; }
.pillars { grid-template-columns: 1fr; }
.hero-tiles,
.rail,
.ombuds-rail { grid-template-columns: repeat(4, 1fr); }
.num-grid,
.story-wide { grid-template-columns: repeat(3, 1fr); }

.stat,
.pillars li,
.hero-tile,
.card,
.rail-item,
.num-card,
.type-line,
.sim-box,
.ombuds-rail article,
.contact-card,
.audience-cols > div {
  background: #041830;
  border: 1px solid rgba(255, 255, 255, 0.1);
  border-radius: 2px;
  box-shadow: none;
}

.stat { padding: 18px 16px 16px; border-top: 2px solid #E0B53A; }
.stat strong { display: block; font-size: 26px; color: #fff; letter-spacing: -0.04em; }
.stat span { font-size: 13px; color: #C5D0E0; }

.decision { background: transparent; }
.decision-kicker {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #E4C56A;
  margin-bottom: 12px;
}
.pillars { list-style: none; }
.pillars li {
  display: grid;
  grid-template-columns: 36px 1fr;
  gap: 12px;
  padding: 16px;
  align-items: start;
}
.pillars li span {
  font-weight: 800;
  font-size: 13px;
  color: #E4C56A;
  padding-top: 2px;
}
.pillars strong { display: block; font-size: 16px; margin-bottom: 4px; color: #fff; }
.pillars p { color: #C5D0E0; font-size: 14px; }

.hero-foot { margin-top: 28px; }
.hero-panel-title {
  font-size: 12px;
  font-weight: 700;
  letter-spacing: 0.16em;
  text-transform: uppercase;
  color: #E4C56A;
  margin: 0 0 12px;
}
.hero-tile {
  display: flex;
  align-items: center;
  gap: 12px;
  padding: 16px;
  color: #fff;
  font-size: 14px;
  line-height: 1.4;
}
.hero-tile i,
.card i {
  width: 32px;
  height: 32px;
  flex: 0 0 32px;
  display: inline-flex;
  align-items: center;
  justify-content: center;
  color: #E4C56A;
  background: transparent;
  border-radius: 0;
  margin: 0;
}

.prose p { margin-bottom: 14px; color: #C5D0E0; }
.prose li { position: relative; padding-left: 14px; margin: 8px 0; color: #C5D0E0; }
.prose li::before {
  content: "";
  position: absolute;
  left: 0; top: 10px;
  width: 6px; height: 1px;
  background: #E0B53A;
}
.card { padding: 22px; }
.card h3 { font-size: 18px; margin-bottom: 8px; color: #fff; }
.card p { color: #C5D0E0; font-size: 14px; }

.rail { margin-top: 28px; }
.rail-item { padding: 22px 18px; border-top: 2px solid #E0B53A; }
.rail-item .num {
  display: block;
  color: #E4C56A;
  font-size: 12px;
  font-weight: 800;
  letter-spacing: 0.12em;
  margin-bottom: 16px;
}
.rail-item h3 { font-size: 18px; margin-bottom: 8px; color: #fff; }
.rail-item p { color: #C5D0E0; font-size: 14px; }

.audience-cols { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }
.audience-cols > div { padding: 32px 28px; }
.audience-cols > div:first-child { background: #041830; }

.bento { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 12px; margin-top: 28px; }
.bento-main { grid-row: span 2; }
.type-stack { margin-top: 16px; display: grid; gap: 8px; }
.type-line {
  display: grid;
  grid-template-columns: 180px 1fr;
  gap: 18px;
  padding: 16px 18px;
  align-items: start;
}
.type-line h3 { font-size: 16px; color: #fff; }
.type-line p { color: #C5D0E0; font-size: 14px; }
.success-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; margin-top: 12px; }
.success-pair > div {
  background: #041830;
  border: 1px solid rgba(255, 255, 255, 0.1);
  padding: 22px;
}

.product-compact { display: grid; grid-template-columns: 1fr 1fr; gap: 8px; margin-top: 28px; }
.product-compact .card { display: grid; grid-template-columns: 32px 1fr; gap: 14px; align-items: start; }
.product-compact .card h3 { font-size: 16px; margin-bottom: 4px; }

.sim-stack { display: grid; grid-template-columns: 0.9fr 1.1fr; gap: 36px; align-items: start; }
.sim-box { padding: 24px; }
.sim-box label {
  font-size: 11px;
  font-weight: 800;
  letter-spacing: .16em;
  text-transform: uppercase;
  color: #E4C56A;
}
.sim-input {
  display: flex;
  align-items: baseline;
  gap: 8px;
  margin: 12px 0 20px;
  background: #011633;
  border-bottom: 1px solid rgba(255, 255, 255, 0.16);
  padding: 8px 0 12px;
}
.sim-input span { font-size: 18px; font-weight: 700; color: #E4C56A; }
.sim-input input {
  border: 0;
  background: transparent;
  width: 100%;
  font-family: inherit;
  font-size: 32px;
  font-weight: 800;
  color: #fff;
  outline: none;
}
.sim-row {
  display: flex;
  justify-content: space-between;
  gap: 12px;
  padding: 12px 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.sim-row strong { display: block; color: #fff; }
.sim-row small { color: #C5D0E0; }
.sim-row .rate { color: #E4C56A; font-weight: 700; }

.pull {
  font-size: clamp(28px, 4vw, 44px);
  line-height: 1.15;
  color: #fff;
  letter-spacing: -0.04em;
  max-width: 16em;
}
.pull em { color: #E4C56A; font-style: normal; }
.num-grid { margin-top: 28px; }
.num-card { padding: 24px 20px; }
.num-card strong {
  display: block;
  font-size: clamp(24px, 3vw, 32px);
  color: #fff;
  margin: 0 0 8px;
}
.num-card p { color: #C5D0E0; font-size: 14px; }

.story-wide { margin-top: 28px; }
.story { display: grid; grid-template-columns: 32px 1fr; gap: 14px; }
.compound-wide { display: grid; grid-template-columns: 0.85fr 1.15fr; gap: 36px; align-items: start; }
.compound-stack { display: grid; gap: 8px; }
.section-navy .card { background: #062040; border-color: rgba(255, 255, 255, 0.1); }
.section-navy .card h3,
.section-navy .card p { color: #fff; }
.section-navy .card p { color: #C5D0E0; }

.extra-pair { display: grid; grid-template-columns: 1.15fr 0.85fr; gap: 12px; margin-top: 28px; }
.invite-bleed { max-width: 680px; padding: 8px 0; }
.about-stack { display: grid; gap: 20px; }
.about-pair { display: grid; grid-template-columns: 1fr 1fr; gap: 12px; }

.ombuds-rail { margin-top: 28px; }
.ombuds-rail article { padding: 20px 18px; }
.ombuds-rail h3 { font-size: 16px; margin-bottom: 8px; color: #fff; }
.ombuds-rail p { color: #C5D0E0; font-size: 14px; }

.contact-stack { display: grid; grid-template-columns: 1.1fr 0.9fr; gap: 28px; align-items: start; }
.contact-card { padding: 8px 22px; }
.info-row { display: flex; gap: 12px; margin: 16px 0; color: #C5D0E0; }
.info-row i { color: #E4C56A; width: 18px; text-align: center; margin-top: 4px; }

footer {
  background: #01183a;
  color: #C5D0E0;
  padding: 56px 0 0;
  border-top: 1px solid rgba(255, 255, 255, 0.08);
}
.footer-grid { display: grid; grid-template-columns: 1.5fr 1fr 1.2fr 1.1fr; gap: 28px; padding-bottom: 36px; }
footer .brand-name strong { color: #fff; }
footer .brand-name em { color: #E4C56A; }
footer h4 {
  color: #fff;
  font-size: 12px;
  font-weight: 700;
  letter-spacing: .16em;
  text-transform: uppercase;
  margin-bottom: 14px;
}
footer a { color: #C5D0E0; font-size: 14px; }
footer a:hover { color: #fff; }
footer li { margin: 8px 0; }
.footer-bottom {
  border-top: 1px solid rgba(255, 255, 255, 0.08);
  padding: 18px 0 calc(18px + var(--safe-bottom));
  display: flex;
  justify-content: space-between;
  gap: 12px;
  flex-wrap: wrap;
  font-size: 13px;
}
.social { display: flex; gap: 8px; }
.social a {
  width: 38px; height: 38px;
  border: 1px solid rgba(255, 255, 255, 0.16);
  display: flex;
  align-items: center;
  justify-content: center;
  color: #fff;
}
.social a:hover { background: #E0B53A; color: #1A1408; border-color: #E0B53A; }

@media (max-width: 991px) {
  .nav-links, .nav-cta { display: none; }
  .hamburger { display: inline-flex; align-items: center; justify-content: center; }
  .hero-top,
  .hero-stats,
  .hero-tiles,
  .rail,
  .ombuds-rail,
  .story-wide,
  .num-grid { grid-template-columns: 1fr 1fr; }
  .audience-cols, .bento, .success-pair, .compound-wide, .extra-pair, .about-pair,
  .contact-stack, .sim-stack, .footer-grid, .type-line { grid-template-columns: 1fr; }
  .product-compact { grid-template-columns: 1fr; }
  .section { padding: 64px 0; }
  .bento-main { grid-row: auto; }
}
@media (max-width: 640px) {
  .wrap, .hero { width: min(1120px, calc(100% - 28px)); }
  .hero { padding-top: 32px; }
  .hero-top,
  .hero-stats,
  .hero-tiles,
  .rail,
  .ombuds-rail,
  .story-wide,
  .num-grid { grid-template-columns: 1fr; }
  .sim-input input { font-size: 28px; }
}