:root{
  --paper:#F2F4F3;
  --ink:#101D2E;
  --text:#3E4B57;
  --steel:#5A6875;
  --line:#C9D0CE;
  --gold:#96782F;
  --serif:Spectral,Georgia,"Times New Roman",serif;
  --sans:"IBM Plex Sans",system-ui,-apple-system,"Segoe UI",Roboto,sans-serif;
  --mono:"IBM Plex Mono",ui-monospace,Menlo,Consolas,monospace;
}
*{box-sizing:border-box}
html,body{margin:0}
body{background:var(--paper);color:var(--ink);font-family:var(--sans);-webkit-font-smoothing:antialiased;text-rendering:optimizeLegibility}
a{color:inherit}
a:focus-visible{outline:2px solid var(--gold);outline-offset:3px}
@media (prefers-reduced-motion:reduce){*{transition:none!important}}

.page{min-height:100vh;min-height:100svh;display:flex;flex-wrap:wrap}
.col{flex:3 1 560px;min-width:0;padding:clamp(28px,5vw,64px) clamp(24px,6vw,88px);display:flex;flex-direction:column;gap:48px}
.col.narrow{max-width:880px}

.brand{display:inline-flex;align-items:center;gap:12px;min-height:44px;text-decoration:none;color:var(--ink)}
.brand svg{width:30px;height:30px;flex:none}
.brand span{font:500 13px/1 var(--mono);letter-spacing:.2em;text-transform:uppercase;white-space:nowrap}
.brand b{color:var(--gold);font-weight:500}

main{flex:1 1 auto;display:flex;flex-direction:column;justify-content:center;gap:28px;padding:clamp(24px,6vh,72px) 0}
h1{margin:0;font-family:var(--serif);font-weight:275;font-size:clamp(40px,4.6vw,62px);line-height:1.08;letter-spacing:-.015em;text-wrap:balance}
.lede{margin:0;max-width:52ch;font-size:18px;line-height:1.7;color:var(--text);text-wrap:pretty}
.rule{width:56px;height:2px;margin-top:12px;background:var(--gold)}

.contact{display:flex;flex-direction:column;gap:10px}
.contact span{font-size:13px;line-height:1.4;letter-spacing:.08em;text-transform:uppercase;color:var(--steel)}
.mail{align-self:flex-start;font-family:var(--serif);font-weight:300;font-size:clamp(22px,2vw,26px);line-height:1.4;text-decoration:none;border-bottom:1px solid var(--gold);overflow-wrap:anywhere;transition:color .2s}
.mail:hover{color:var(--gold)}

.terms{display:flex;flex-direction:column;gap:28px;max-width:64ch}
.terms section{display:flex;flex-direction:column;gap:6px}
.terms h2{margin:0;font-size:16px;font-weight:600;line-height:1.4}
.terms p{margin:0;font-size:16px;line-height:1.7;color:var(--text)}
.back{align-self:flex-start;font-size:15px;color:var(--text);text-decoration:none;border-bottom:1px solid var(--gold)}
.back:hover{color:var(--ink)}

footer{display:flex;flex-wrap:wrap;align-items:flex-end;justify-content:space-between;gap:16px 32px;padding-top:24px;border-top:1px solid var(--line)}
.legal{display:flex;flex-direction:column;gap:6px;max-width:66ch;font-size:12.5px;line-height:1.7;color:var(--steel)}
.legal p{margin:0}
.legal a{color:var(--steel)}
.legal a:hover{color:var(--ink)}
.portal{display:inline-flex;align-items:center;justify-content:center;width:44px;height:44px;margin-right:-14px;opacity:.35;transition:opacity .2s}
.portal:hover,.portal:focus-visible{opacity:.85}
.portal svg{width:16px;height:16px}

.panel{flex:2 1 360px;min-height:320px;position:relative;overflow:hidden;background:var(--ink);display:flex;align-items:center;justify-content:center}
.panel::before{content:"";position:absolute;left:0;right:0;top:50%;height:1px;background:rgba(242,244,243,.08)}
.panel::after{content:"";position:absolute;top:0;bottom:0;left:50%;width:1px;background:rgba(242,244,243,.08)}
.panel svg{position:relative;z-index:1;width:168px;height:168px;border-radius:50%;background:var(--ink)}
@media (max-width:919px){.panel{display:none}}

/* Navigation */
header.site{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 32px}
.site-nav{display:flex;flex-wrap:wrap;align-items:center;gap:0 28px}
.site-nav a{font-size:14px;line-height:1;color:var(--text);text-decoration:none;padding:15px 0;border-bottom:1px solid transparent;transition:color .2s,border-color .2s}
.site-nav a:hover{color:var(--ink);border-bottom-color:var(--line)}
.site-nav a[aria-current="page"]{color:var(--ink);border-bottom-color:var(--gold)}

/* Text pages */
.page.single{justify-content:center}
.col.wide{flex:1 1 auto;max-width:1180px;width:100%}
main.doc{justify-content:flex-start;gap:0;padding:clamp(48px,10vh,112px) 0 clamp(40px,8vh,88px)}
.doc h1{margin-bottom:24px}
.doc .lede{margin-bottom:clamp(40px,7vh,80px)}
.group{margin:48px 0 0;padding-top:18px;border-top:1px solid var(--ink);font-size:13px;line-height:1.4;letter-spacing:.08em;text-transform:uppercase;color:var(--steel)}
.item{display:grid;grid-template-columns:minmax(0,300px) minmax(0,1fr);gap:10px 56px;padding:28px 0;border-top:1px solid var(--line)}
.group + .item{border-top:0}
.item h2{margin:0;font-family:var(--serif);font-weight:300;font-size:24px;line-height:1.3}
.item h2 .num{color:var(--gold);margin-right:12px}
.item p{margin:0;font-size:17px;line-height:1.7;color:var(--text);max-width:62ch;text-wrap:pretty}
.item p + p{margin-top:12px}
.closing{margin:40px 0 0;padding-top:24px;border-top:1px solid var(--line);font-size:15px;line-height:1.7;color:var(--steel);max-width:72ch}
.doc .back{margin-top:48px}
@media (max-width:760px){.item{grid-template-columns:1fr}}
@media (max-width:480px){.site-nav{gap:0 16px}.site-nav a{font-size:13.5px}}

/* ---------- Text pages, upgraded (navy page header, figures, navy footer) ---------- */
.wrap{max-width:1180px;margin:0 auto;padding:0 clamp(24px,6vw,88px)}

.hero{position:relative;overflow:hidden;background:var(--ink);color:var(--paper)}
.hero .topbar{position:relative;z-index:2;display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:8px 32px;padding-top:clamp(20px,3.5vw,40px)}
.brand.light{color:var(--paper)}
.brand.light b{color:#C9A24B}
.site-nav.light a{color:#B9C3CD}
.site-nav.light a:hover{color:var(--paper);border-bottom-color:rgba(242,244,243,.3)}
.site-nav.light a[aria-current="page"]{color:var(--paper);border-bottom-color:#C9A24B}
.hero-body{position:relative;z-index:2;max-width:760px;padding:clamp(72px,11vw,144px) 0 clamp(56px,8vw,104px)}
.eyebrow{margin:0 0 22px;font-size:13px;line-height:1.4;letter-spacing:.16em;text-transform:uppercase;color:#C9A24B}
.hero h1{color:var(--paper);font-size:clamp(48px,6.4vw,92px);line-height:1.02}
.hero .intro{margin:28px 0 0;max-width:44ch;font-family:var(--serif);font-weight:300;font-size:clamp(20px,1.9vw,25px);line-height:1.5;color:#C9D2DB;text-wrap:pretty}
.hero-mark{position:absolute;z-index:1;right:-7%;top:52%;transform:translateY(-50%);width:min(58vw,660px);height:auto;opacity:.09;pointer-events:none}
@media (max-width:760px){.hero-mark{width:150vw;right:-80%;opacity:.06}}

.figure{padding-top:clamp(56px,8vw,96px)}
.figure-label{margin:0 0 28px;font-size:13px;line-height:1.4;letter-spacing:.14em;text-transform:uppercase;color:var(--steel)}

.rail{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(min(220px,100%),1fr));gap:40px 0}
.rail li{position:relative;border-top:1px solid var(--ink);padding:28px 32px 0 0}
.rail li::before{content:"";position:absolute;top:-5px;left:0;width:9px;height:9px;background:var(--gold)}
.rail .n{display:block;font-family:var(--serif);font-weight:275;font-size:44px;line-height:1;color:var(--gold)}
.rail b{display:block;margin:16px 0 6px;font-size:17px;font-weight:600}
.rail .t{display:block;font-size:15.5px;line-height:1.6;color:var(--text)}

.split{display:grid;grid-template-columns:minmax(0,1fr) 1px minmax(0,1fr);gap:0 clamp(32px,5vw,72px)}
.split .rule-v{background:var(--gold)}
.split .role{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--steel)}
.split h3{margin:8px 0 0;font-family:var(--serif);font-weight:300;font-size:32px;line-height:1.2}
.split ul{list-style:none;margin:20px 0 0;padding:0}
.split li{padding:14px 0;border-top:1px solid var(--line);font-size:16.5px;line-height:1.55;color:var(--text)}
.split-caption{margin:36px 0 0;padding-top:24px;border-top:1px solid var(--line);font-family:var(--serif);font-weight:300;font-size:22px;line-height:1.45}
@media (max-width:760px){.split{grid-template-columns:1fr}.split .rule-v{height:2px;width:56px;margin:32px 0}}

.levels{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px;align-items:end}
.level{display:flex;flex-direction:column;gap:14px}
.level .bar{border:1px solid var(--ink);border-top:3px solid var(--gold)}
.l1 .bar{height:48px}.l2 .bar{height:88px}.l3 .bar{height:128px}
.l4 .bar{height:168px;background:var(--ink)}
.level b{font-size:13px;font-weight:500;letter-spacing:.14em;text-transform:uppercase;color:var(--steel)}
.level .t{font-size:15px;line-height:1.55;color:var(--text);min-height:4.65em}
@media (max-width:760px){.levels{grid-template-columns:repeat(2,minmax(0,1fr));gap:32px 14px}}

.phases{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr))}
.phases li{position:relative;padding:36px 32px 0 0;border-top:1px solid var(--ink)}
.phases li::before{content:"";position:absolute;top:-8px;left:0;width:15px;height:15px;border-radius:50%;box-sizing:border-box;background:var(--paper);border:1.5px solid var(--ink)}
.phases li.now::before{background:var(--gold);border-color:var(--gold)}
.phases li.later{border-top:1px dashed var(--steel)}
.phases li.later::before{border:1.5px dashed var(--steel)}
.phases .when{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--steel)}
.phases b{display:block;margin:10px 0 8px;font-family:var(--serif);font-weight:300;font-size:26px;line-height:1.25}
.phases .t{display:block;font-size:15.5px;line-height:1.6;color:var(--text)}
@media (max-width:760px){.phases{grid-template-columns:1fr;gap:40px}}

main.doc2{display:block;padding-top:clamp(56px,8vw,96px);padding-bottom:0}
.doc2 .item:first-child{border-top:1px solid var(--ink)}

.pull{margin-top:clamp(56px,8vw,96px);padding:clamp(40px,6vw,72px) 0;border-top:1px solid var(--ink);border-bottom:1px solid var(--line)}
.pull p{margin:0;max-width:26ch;font-family:var(--serif);font-weight:275;font-size:clamp(30px,3.6vw,48px);line-height:1.2;text-wrap:balance}
.pull p::before{content:"";display:block;width:56px;height:2px;margin-bottom:28px;background:var(--gold)}

.next{display:flex;flex-direction:column;gap:12px;padding:clamp(48px,7vw,80px) 0 clamp(56px,8vw,96px)}
.next span{font-size:13px;letter-spacing:.14em;text-transform:uppercase;color:var(--steel)}
.next a{align-self:flex-start;font-family:var(--serif);font-weight:300;font-size:clamp(28px,3vw,40px);line-height:1.3;text-decoration:none;border-bottom:1px solid var(--gold);transition:color .2s}
.next a:hover{color:var(--gold)}

.site-footer{display:block;padding-top:0;border-top:0;background:#0B1522;color:#9AA7B4}
.site-footer .wrap{display:flex;flex-direction:column;gap:32px;padding-top:56px;padding-bottom:40px}
.site-footer .row{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:16px 32px}
.site-footer .row + .row{padding-top:24px;border-top:1px solid rgba(242,244,243,.1);align-items:flex-end}
.site-footer .legal{color:#9AA7B4}
.site-footer .legal a{color:#C9D2DB}
.site-footer .legal a:hover{color:var(--paper)}

/* Contact */
.contact-grid{display:grid;grid-template-columns:minmax(0,1fr) minmax(0,1.15fr);gap:56px clamp(40px,6vw,96px);align-items:start;padding-bottom:clamp(56px,8vw,96px)}
@media (max-width:860px){.contact-grid{grid-template-columns:1fr}}
.reply{margin:14px 0 0;font-size:15.5px;line-height:1.6;color:var(--text)}
.for-label{margin-top:48px}
.for-list{list-style:none;margin:0;padding:0}
.for-list li{display:flex;flex-direction:column;gap:2px;padding:14px 0;border-top:1px solid var(--line)}
.for-list b{font-size:16.5px;font-weight:600}
.for-list span{font-size:15.5px;color:var(--text)}
.not-for{margin:0;padding-top:14px;border-top:1px solid var(--line);font-size:15px;line-height:1.6;color:var(--steel)}
.form-box{background:#FBFCFB;border:1px solid var(--line);border-top:3px solid var(--ink);padding:clamp(28px,4vw,48px)}
.form-box h2{margin:0 0 26px;font-family:var(--serif);font-weight:300;font-size:32px;line-height:1.2}
.field{display:flex;flex-direction:column;gap:8px;margin-bottom:18px}
.field label{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--steel)}
.field input,.field textarea{width:100%;box-sizing:border-box;padding:13px 14px;border:1px solid #A3AEAB;border-radius:0;background:#fff;font:400 16px/1.5 var(--sans);color:var(--ink)}
.field textarea{min-height:150px;resize:vertical}
.field input:focus,.field textarea:focus{outline:2px solid var(--gold);outline-offset:1px;border-color:var(--ink)}
.hp{position:absolute;left:-6000px;width:1px;height:1px;overflow:hidden}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:12px;min-height:52px;padding:0 28px;border:0;border-radius:0;background:var(--ink);color:var(--paper);font:500 15px/1 var(--sans);text-decoration:none;cursor:pointer;transition:background .2s}
.btn:hover{background:#1E3048;color:var(--paper)}
.btn:disabled{opacity:.6;cursor:default}
.status{min-height:1.5em;margin:14px 0 0;font-size:15px;line-height:1.5;color:var(--text)}
.form-note{margin:24px 0 0;padding-top:18px;border-top:1px solid var(--line);font-size:13.5px;line-height:1.65;color:var(--steel)}
.contact .btn{align-self:flex-start;margin-top:14px}
.item p a,.form-note a{color:inherit;text-decoration:underline;text-decoration-color:var(--gold);text-underline-offset:.15em}
.item p a:hover,.form-note a:hover{color:var(--ink)}