:root{
  --navy:#0B1B3F;--navy-deep:#07122B;--ink:#14182B;--body:#3D4459;--muted:#5B6378;
  --line:#E3E7EF;--wash:#F6F8FB;--accent:#1F6FA3;--accent-light:#8CC8F0;--on-navy:#C9D4EA;--navy-line:#24386A;
  --serif:'Source Serif 4',Georgia,serif;--sans:Inter,system-ui,-apple-system,sans-serif;
}
*{box-sizing:border-box}
[hidden]{display:none!important}
html{scroll-behavior:smooth}
body{margin:0;background:#fff;color:var(--body);font-family:var(--sans);font-size:16px;line-height:1.6;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}a:hover{color:var(--navy)}
img{max-width:100%}
.wrap{max-width:1200px;margin:0 auto;padding:0 24px}
.section{padding:104px 0}
.wash{background:var(--wash)}
.dark{background:var(--navy);color:#fff}
.eyebrow{margin:0;font-size:13px;font-weight:600;letter-spacing:.14em;text-transform:uppercase;color:var(--accent)}
.dark .eyebrow{color:var(--accent-light)}
h1,h2,h3{color:var(--navy);margin:0}
.dark h1,.dark h2,.dark h3{color:#fff}
h2{font-family:var(--serif);font-weight:400;font-size:clamp(32px,4vw,44px);line-height:1.15}
.lead{font-size:18px;line-height:1.65;margin:0}
.dark .lead{color:var(--on-navy)}
.head{display:flex;flex-direction:column;gap:16px;max-width:760px;margin-bottom:48px}
.grid{display:grid;gap:24px}
.g4{grid-template-columns:repeat(auto-fit,minmax(260px,1fr))}
.g2{grid-template-columns:repeat(auto-fit,minmax(320px,1fr))}
.g3{grid-template-columns:repeat(auto-fit,minmax(280px,1fr))}

/* header */
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:10}
.site-header .wrap{display:flex;flex-wrap:wrap;align-items:center;justify-content:space-between;gap:12px 24px;padding-top:16px;padding-bottom:16px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand span{font-family:var(--serif);font-size:22px;font-weight:600;color:var(--navy)}
.nav{display:flex;flex-wrap:wrap;align-items:center;gap:4px 24px;font-size:15px;font-weight:500}
.nav a{color:var(--ink);text-decoration:none;padding:10px 0}
.nav a:hover{color:var(--accent)}
.nav a.current{color:var(--accent);border-bottom:2px solid var(--accent)}
.btn{display:inline-block;text-decoration:none;font-weight:600;font-size:16px;padding:16px 28px;border-radius:4px;border:1px solid transparent;cursor:pointer;font-family:var(--sans)}
.btn-dark{background:var(--navy);color:#fff!important}.btn-dark:hover{background:#13285A}
.btn-light{background:#fff;color:var(--navy)!important}.btn-light:hover{background:#E8EEF8}
.btn-ghost{border-color:#5C6F99;color:#fff!important;font-weight:500}.btn-ghost:hover{border-color:#fff}
.nav .btn{padding:12px 20px;font-size:15px}

/* hero */
.hero .wrap{padding-top:112px;padding-bottom:96px;display:flex;flex-direction:column;gap:32px}
.hero h1{font-family:var(--serif);font-weight:400;font-size:clamp(40px,6vw,72px);line-height:1.05;max-width:900px}
.hero .lead{font-size:20px;max-width:680px}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:8px}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:32px;margin-top:56px;padding-top:40px;border-top:1px solid var(--navy-line)}
.stat{display:flex;flex-direction:column;gap:6px}
.stat b{font-family:var(--serif);font-weight:400;font-size:36px;color:#fff;line-height:1.2}
.stat span{font-size:14px;color:var(--on-navy)}

/* cards */
.card{border:1px solid var(--line);border-radius:6px;padding:32px;display:flex;flex-direction:column;gap:12px;background:#fff}
.card.tint{background:var(--wash);border-color:transparent}
.tag{font-size:13px;font-weight:600;letter-spacing:.08em;text-transform:uppercase;color:var(--accent)}
.card h3{font-family:var(--serif);font-weight:600;font-size:24px;line-height:1.3}
.card p{margin:0}
.card .names{font-size:14px;color:var(--muted)}
a.card{text-decoration:none;color:var(--body);transition:border-color .15s}
a.card:hover{border-color:var(--accent)}

.pillars{margin-top:64px}
.pillars h3{font-family:var(--sans);font-size:14px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;margin-bottom:20px}
.pillar-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));border-top:2px solid var(--navy)}
.pillar{padding:24px 24px 0 0;display:flex;flex-direction:column;gap:8px}
.pillar b{font-family:var(--serif);font-weight:400;font-size:28px;color:var(--accent)}
.pillar span{font-size:17px;font-weight:600;color:var(--ink)}

.panel{background:#fff;border-radius:6px;padding:40px;display:flex;flex-direction:column;gap:24px}
.panel h3{font-family:var(--serif);font-weight:600;font-size:26px}
.item{display:flex;flex-direction:column;gap:4px}
.item b{color:var(--ink);font-weight:600}
.item span{font-size:15px;line-height:1.55}
.chips{display:flex;flex-wrap:wrap;gap:10px;align-items:center;margin-top:48px}
.chips strong{font-size:14px;color:var(--navy);margin-right:8px}
.chip{background:#fff;border:1px solid #D5DBE7;border-radius:999px;padding:9px 16px;font-size:14px;color:var(--ink)}

/* tables */
.table-box{overflow-x:auto;border:1px solid var(--line);border-radius:6px;background:#fff}
table{width:100%;border-collapse:collapse;font-size:15px;font-variant-numeric:tabular-nums}
th,td{padding:13px 20px}
thead th{background:var(--wash);color:var(--ink);font-weight:600}
tbody tr{border-top:1px solid var(--line)}
.perf td,.perf th{text-align:right}.perf td:first-child,.perf th:first-child{text-align:left}
.perf td:nth-child(2){font-weight:600;color:var(--navy)}
.perf td:nth-child(4){color:var(--muted)}
.perf tr.total{border-top:2px solid var(--navy);background:var(--wash);font-weight:600}
.terms{min-width:560px}
.terms th,.terms td{text-align:left;padding:14px 24px}
.terms tbody th{font-weight:500;color:var(--ink)}
.terms thead th{background:#fff}
.terms thead th:first-child{color:var(--muted);font-weight:500}
.split{display:flex;flex-wrap:wrap;gap:48px;align-items:flex-start}
.split>.main{flex:999 1 560px;min-width:0}
.split>.side{flex:1 1 300px;min-width:0}
.big{font-family:var(--serif);font-size:48px;color:var(--navy);line-height:1.1}
.mid{font-family:var(--serif);font-size:32px;color:var(--navy)}
.muted{color:var(--muted);font-size:14px}
.fine{font-size:12px;line-height:1.6;color:var(--muted);max-width:960px;margin:40px 0 0}

/* process */
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:32px}
.step{display:flex;flex-direction:column;gap:10px;border-top:1px solid #5C6F99;padding-top:20px}
.step b{font-family:var(--serif);font-weight:400;font-size:22px;color:var(--accent-light)}
.step strong{font-size:17px;color:#fff}
.step span{font-size:15px;line-height:1.55;color:var(--on-navy)}

/* manager */
.facts{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:16px 32px;font-size:15px;margin-top:28px}
.fact{border-top:1px solid var(--line);padding-top:14px;display:flex;flex-direction:column;gap:2px}
.fact span{color:var(--muted)}
.fact b{color:var(--ink);font-weight:500}
.providers{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;font-size:15px;margin-top:32px}
.providers div{display:flex;flex-direction:column;gap:4px}
.providers span{color:var(--muted)}
.providers b{color:var(--ink)}

/* contact */
.contact .wrap{display:flex;flex-wrap:wrap;gap:56px}
.contact .intro{flex:1 1 340px;display:flex;flex-direction:column;gap:20px}
.contact .links{display:flex;flex-direction:column;gap:4px;font-size:16px;padding-top:8px}
.contact .links a{color:#fff;padding:6px 0}
.form-card{flex:1 1 420px;background:#fff;border-radius:6px;padding:36px;color:var(--ink)}

/* Wix form renderer */
.form{display:flex;flex-direction:column;gap:18px;margin:0}
.form-fields{border:0;margin:0;padding:0;display:flex;flex-direction:column;gap:18px;min-width:0}
.form-field{display:flex;flex-direction:column;gap:6px}
.form-label{font-size:14px;font-weight:500;color:var(--ink)}
.form-required{color:#B3261E}
.form-control{font:inherit;font-size:16px;padding:12px 14px;border:1px solid #C3CADA;border-radius:4px;background:#fff;color:var(--ink);width:100%}
.form-control:focus{outline:2px solid var(--accent);outline-offset:1px;border-color:var(--accent)}
textarea.form-control{min-height:110px;resize:vertical}
.form-choice{display:flex;gap:10px;align-items:flex-start;font-size:14px;line-height:1.5;cursor:pointer}
.form-checkbox{width:20px;height:20px;margin:0;flex-shrink:0}
.form-help{font-size:13px;color:var(--muted);margin:0}
.form-error,.form-form-error{font-size:13px;color:#B3261E;margin:0}
.form-actions{display:flex;gap:12px}
.form-submit,.form-next,.form-back{font:inherit;font-weight:600;font-size:16px;background:var(--navy);color:#fff;border:0;border-radius:4px;padding:16px 24px;cursor:pointer}
.form-submit:hover{background:#13285A}
.form-submit[disabled]{opacity:.6;cursor:wait}
.form-back{background:#fff;color:var(--navy);border:1px solid var(--navy)}
.form-loading{color:var(--muted);font-size:15px}
.form-success{padding:12px 0}
.form-success-text{font-family:var(--serif);font-size:22px;color:var(--navy);margin:0 0 8px}
.signup .form{flex-direction:row;flex-wrap:wrap;align-items:flex-end}
.signup .form-fields{flex:1 1 240px}
.signup .form-label{color:var(--on-navy);font-size:13px}
.signup .form-control{border:0}
.signup .form-submit{background:#fff;color:var(--navy)}
.signup .form-submit:hover{background:#E8EEF8}
.signup .form-success-text{color:#fff}
.signup .form-error,.signup .form-form-error{color:#FFB4AB}

/* letters page */
.page-head .wrap{padding-top:88px;padding-bottom:64px;display:flex;flex-direction:column;gap:16px}
.page-head h1{font-family:var(--serif);font-weight:400;font-size:clamp(38px,5vw,56px);line-height:1.1}
.feature{background:var(--navy);color:#fff;border-radius:6px;padding:44px;display:flex;flex-direction:column;gap:20px;justify-content:space-between}
.feature h2{color:#fff}
.year-row{display:flex;flex-wrap:wrap;align-items:center;gap:12px 24px;padding:18px 0;border-top:1px solid var(--line)}
.year-row>b{width:72px;font-family:var(--serif);font-weight:400;font-size:22px;color:var(--navy)}
.qs{display:flex;flex-wrap:wrap;gap:10px}
.qs a{text-decoration:none;border:1px solid #D5DBE7;border-radius:4px;padding:11px 18px;font-size:15px;font-weight:500;color:var(--ink)}
.qs a:hover{border-color:var(--accent);color:var(--accent)}
.list{display:flex;flex-direction:column}
.list a{padding:14px 0;border-top:1px solid var(--line);text-decoration:none;display:flex;flex-direction:column;gap:2px;font-weight:500}
.list a small{font-size:13px;color:var(--muted);font-weight:400}
.h-sub{font-family:var(--serif);font-weight:400;font-size:32px;color:var(--navy);margin:0 0 16px}
.signup .wrap{display:flex;flex-wrap:wrap;gap:24px 48px;align-items:center;justify-content:space-between;padding-top:72px;padding-bottom:72px}
.signup .copy{max-width:600px;display:flex;flex-direction:column;gap:10px}
.signup h2{font-size:34px}
.signup .box{flex:1 1 380px;max-width:520px}

footer{background:var(--navy-deep);color:#A9B6D3;font-size:13px;line-height:1.6}
footer .wrap{padding-top:48px;padding-bottom:48px;display:flex;flex-direction:column;gap:24px}
footer .row{display:flex;flex-wrap:wrap;justify-content:space-between;gap:16px;align-items:center}
footer .row b{font-family:var(--serif);font-size:18px;font-weight:400;color:#fff}
footer p{margin:0;max-width:960px}
footer a{color:#A9B6D3}

@media (max-width:640px){
  .section{padding:72px 0}
  .hero .wrap{padding-top:72px;padding-bottom:64px}
  .panel,.feature,.form-card{padding:28px}
  .site-header{position:static}
}
/* logo */
.brand{gap:9px;align-items:flex-end}
.brand img{display:block;width:auto}
.brand .mark{height:46px}
.brand .word{height:35px;margin-bottom:1px}
footer .flogo{display:inline-flex;align-items:flex-end;gap:7px}
footer .flogo img{display:block;width:auto;filter:brightness(0) invert(1)}
footer .flogo .mark{height:36px}
footer .flogo .word{height:27px}
@media (max-width:640px){.brand .mark{height:38px}.brand .word{height:29px}}

/* four pillars */
.pgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:24px}
.pcard{background:#13285A;border:1px solid #24386A;border-radius:6px;padding:32px;display:flex;flex-direction:column;gap:12px}
.pnum{font-family:var(--serif);font-size:36px;color:var(--accent-light);line-height:1}
.pcard h3{font-family:var(--serif);font-weight:600;font-size:23px;line-height:1.25;color:#fff}
.pcard p{margin:0;font-size:15px;line-height:1.6;color:var(--on-navy)}
.pcard ul{margin:4px 0 0;padding-left:18px;display:flex;flex-direction:column;gap:8px;font-size:15px;line-height:1.55;color:var(--on-navy)}
.pcard li b{color:#fff;font-weight:600}
.pmore{margin:36px 0 0}
.pmore a{color:#fff;font-weight:600;padding:8px 0;display:inline-block}
.head .lead a{color:var(--accent)}
/* performance */
.kpis{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:24px;margin-bottom:40px}
.kpi{border-top:2px solid var(--navy);padding-top:18px;display:flex;flex-direction:column;gap:4px}
.kpi b{font-family:var(--serif);font-weight:400;font-size:44px;line-height:1.1;color:var(--navy)}
.kpi span{font-size:15px;color:var(--ink)}
.kpi small,.stat-row small{font-size:13px;color:var(--muted)}
.perf td:nth-child(n+3){color:var(--body)}
.perf td:nth-child(4){color:var(--body)}
.stat-row{display:grid;grid-template-columns:repeat(auto-fit,minmax(220px,1fr));gap:24px;margin-top:32px}
.stat-row div{display:flex;flex-direction:column;gap:2px}
.stat-row span{font-size:14px;color:var(--muted)}
.stat-row b{font-family:var(--serif);font-weight:400;font-size:28px;color:var(--navy)}

/* industry list */
.industries{margin-top:48px;background:#fff;border-radius:6px;padding:32px 40px}
.industries h3{font-family:var(--sans);font-size:14px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--navy);margin:0 0 16px}
.industries ul{list-style:none;margin:0;padding:0;columns:3 220px;column-gap:40px}
.industries li{break-inside:avoid;padding:10px 0 10px 22px;border-bottom:1px solid var(--line);position:relative;font-size:16px;color:var(--ink)}
.industries li::before{content:"";position:absolute;left:0;top:50%;width:8px;height:8px;margin-top:-4px;border-radius:2px;background:var(--accent)}
@media (max-width:640px){.industries{padding:24px}}

/* manager photo */
.mgr{display:flex;flex-wrap:wrap;gap:48px 64px;align-items:flex-start}
.mgr-photo{flex:0 1 340px;margin:0}
.mgr-photo img{display:block;width:100%;height:auto;border-radius:6px;box-shadow:0 1px 2px rgba(11,27,63,.08),0 12px 32px rgba(11,27,63,.12)}
.mgr-body{flex:999 1 480px;min-width:0}
.mgr-body .facts{grid-template-columns:repeat(auto-fit,minmax(200px,1fr))}
@media (max-width:640px){.mgr-photo{flex-basis:100%;max-width:300px}}