:root{--navy:#003f56;--navy2:#00364b;--ink:#003d55;--teal:#00aaa8;--aqua:#63ded4;--mint:#eef8f5;--line:#d8e5e7;--muted:#5b7582;--max:1440px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);background:#fff;line-height:1.45}a{text-decoration:none;color:inherit}.wrap{width:min(calc(100% - 84px),var(--max));margin:auto}
.topbar{height:40px;background:#00384e;color:#fff;display:flex;align-items:center;font-size:12px;position:relative;z-index:100}.toprow{display:flex;align-items:center;gap:20px}.latest{color:#21c9c1;font-weight:900;white-space:nowrap}.ticker{overflow:hidden;flex:1;white-space:nowrap}.ticker-track{display:inline-flex;gap:24px;animation:ticker 34s linear infinite}.ticker-track span:after{content:"→";color:#1fc5bd;margin-left:24px}@keyframes ticker{to{transform:translateX(-50%)}}.toptools{display:flex;gap:8px;align-items:center}.toptools button{border:1px solid #ffffff35;background:transparent;color:#fff;border-radius:4px;height:29px;padding:0 11px;cursor:pointer;font-size:12px}.tool{position:relative}.toolmenu{display:none;position:absolute;right:0;top:34px;background:#fff;color:var(--ink);min-width:180px;border:1px solid var(--line);box-shadow:0 12px 25px #0003}.tool.open .toolmenu{display:block}.toolmenu button,.toolmenu a{display:block;width:100%;text-align:left;padding:9px 12px;border:0;border-bottom:1px solid #edf2f3;background:#fff;color:var(--ink);font-size:12px;cursor:pointer}.toolmenu button:hover,.toolmenu a:hover{background:var(--mint);color:var(--teal)}
.searchbar{display:none;position:absolute;top:40px;left:0;right:0;background:#fff;padding:12px 5%;box-shadow:0 8px 20px #0002;z-index:120}.searchbar.open{display:block}.searchbar form{display:flex;max-width:850px;margin:auto}.searchbar input{flex:1;padding:11px 13px;border:1px solid var(--line)}.searchbar .submit{background:var(--teal);color:#fff;border:0;padding:0 22px;font-weight:800}.searchbar .x{width:44px;border:1px solid var(--line);background:#fff;font-size:24px;transition:transform .35s}.searchbar.open .x{transform:rotate(360deg)}
.header{height:90px;background:#fff;border-bottom:1px solid #edf2f2}.headrow{height:100%;display:flex;align-items:center}.brand img{width:255px;display:block}.nav{margin-left:auto}.nav>ul{list-style:none;display:flex;gap:30px;align-items:center;margin:0;padding:0}.nav li{position:relative}.nav a{font-size:13px;font-weight:700;color:#174b62;padding:34px 0;display:block}.nav a:hover{color:var(--teal)}.sub{display:none!important;position:absolute!important;top:82px;left:-18px;background:#fff!important;min-width:275px!important;padding:8px 0!important;border:1px solid var(--line);box-shadow:0 12px 28px #0002;z-index:80}.has-sub:hover>.sub{display:block!important}.sub a{padding:9px 16px!important;font-size:12px!important;white-space:nowrap}.mobile{display:none;margin-left:auto;border:0;background:none;font-size:25px}
.hero{height:410px;color:#fff;background:linear-gradient(90deg,rgba(0,55,74,.78),rgba(0,55,74,.38)),url("../images/hero-approved.jpg") center/cover;display:flex;align-items:center}.herogrid{display:grid;grid-template-columns:1.12fr .88fr;gap:55px;align-items:center}.eyebrow{font-size:11px;letter-spacing:3px;font-weight:900;text-transform:uppercase;color:var(--teal)}.hero .eyebrow{color:#b5eee9}.hero h1{font-size:54px;line-height:.98;letter-spacing:-1.8px;margin:10px 0 15px}.hero h1 span{color:#64ddd3}.hero p{font-size:16px;max-width:600px;margin:0}.btn{display:inline-flex;align-items:center;background:#0bb9bf;color:#fff;border-radius:26px;padding:11px 23px;font-size:13px;font-weight:800;margin-top:20px}.panel{background:rgba(31,65,79,.78);border:1px solid #ffffff48;border-radius:18px;padding:25px;backdrop-filter:blur(6px)}.panel h2{font-size:18px;margin:0 0 16px;color:#fff}.steps{display:grid;grid-template-columns:1fr 1fr;gap:9px}.step{background:#ffffff12;border-radius:5px;padding:12px;font-size:12px;font-weight:800}.step b{color:#6fe3d9;margin-right:10px}
.section{padding:42px 0}.who{display:grid;grid-template-columns:1.05fr 1fr;gap:52px;align-items:center}.who h2,.section-title{font-family:Georgia,"Times New Roman",serif;font-size:32px;line-height:1.18;font-weight:500;margin:9px 0 16px}.who p{font-size:14px;color:var(--muted);max-width:560px}.more{font-size:12px;color:#008e91;font-weight:900}.pillars{display:grid;grid-template-columns:repeat(3,1fr)}.pillar{padding:0 22px;border-left:1px solid #e3ecec}.pillar:first-child{border-left:0}.roundicon{width:60px;height:60px;border-radius:50%;display:grid;place-items:center;margin:0 auto 13px}.pillar:nth-child(1) .roundicon{background:#e2f4e8}.pillar:nth-child(2) .roundicon{background:#dfeff9}.pillar:nth-child(3) .roundicon{background:#fbedd8}.roundicon svg{width:30px;height:30px;stroke:var(--ink);fill:none;stroke-width:1.8}.pillar h3{text-align:center;text-transform:uppercase;font-size:11px;letter-spacing:.5px;margin:0 0 10px}.pillar ul{list-style:none;padding:0;margin:0}.pillar li{font-size:10.5px;color:#345c6d;margin:5px 0}.pillar li:before{content:"›";color:var(--teal);margin-right:6px;font-weight:900}
.services{border-top:1px solid #edf2f2;padding:28px 0 31px}.services-grid{display:grid;grid-template-columns:repeat(6,1fr);margin-top:14px}.service{padding:0 20px;border-left:1px solid #dbe6e8}.service:first-child{border-left:0;padding-left:0}.service svg{width:29px;height:29px;stroke:#008d99;fill:none;stroke-width:1.7}.service h3{font-size:12px;line-height:1.25;margin:8px 0}.service p{font-size:10.5px;line-height:1.45;color:#496a79;margin:0}
.framework{background:#003f56;color:#fff;padding:20px 0}.frameworkrow{display:grid;grid-template-columns:260px 1fr auto;gap:24px;align-items:center}.framework h2{font-family:Georgia,serif;font-weight:500;font-size:23px;line-height:1.15;margin:0}.framework-mid p{font-size:11px;color:#b9d4dc;margin:0 0 9px}.chips{display:flex;align-items:center}.chip{font-size:11px;padding:2px 22px;border-left:1px solid #ffffff35}.chip:first-child{border-left:0;padding-left:0}.framework .more{color:#fff;white-space:nowrap}
.sectors{padding:20px 0}.sectorrow{display:grid;grid-template-columns:225px repeat(5,1fr) 95px;gap:12px;align-items:start}.sector-intro h2{font-family:Georgia,serif;font-size:23px;font-weight:500;line-height:1.18;margin:2px 0}.sector-card img{width:100%;height:68px;object-fit:cover;display:block}.sector-card h3{font-size:10px;font-weight:500;margin:7px 0 0;line-height:1.15}.sector-view{font-size:11px;font-weight:800;color:#006c80;align-self:center;text-align:center}.sector-view span{display:block;color:var(--teal);font-size:18px}
.insights{background:#eff8f5;padding:18px 0}.insightrow{display:grid;grid-template-columns:260px repeat(4,1fr);gap:18px;align-items:center}.insight-title h2{font-family:Georgia,serif;font-size:22px;font-weight:500;line-height:1.15;margin:0}.insight{display:flex;align-items:center;gap:11px;border-left:1px solid #d9e8e4;padding-left:18px;font-size:10px}.insight .roundicon{width:43px;height:43px;margin:0;flex:0 0 auto;background:#e7f5ef;border:1px solid #bfe0d4}.insight svg{width:21px;height:21px}
.cta{padding:27px 0 0}.ctagrid{display:grid;grid-template-columns:1.2fr 1fr 1fr;gap:24px;align-items:stretch}.ctacopy{padding:8px 0}.ctacopy h2,.ctabox h2{font-family:Georgia,serif;font-size:21px;line-height:1.18;font-weight:500;margin:0 0 12px}.ctacopy p{font-size:11px;color:#718994}.ctaphoto{background:url("../images/cta-approved.jpg") center/cover;min-height:112px}.ctabox{background:#f7faf9;padding:17px 24px}.ctabox .btn{width:100%;justify-content:center;border-radius:4px;margin-top:5px}
.footer{margin-top:28px;background:#003b50;color:#d8e8ec;padding:34px 0 17px}.footergrid{display:grid;grid-template-columns:1.3fr repeat(4,1fr);gap:30px}.footerlogo{width:210px;display:block}.footer h4{font-size:12px;color:#fff;margin:0 0 10px}.footer ul{list-style:none;margin:0;padding:0}.footer li{font-size:10.5px;margin:5px 0}.footer a:hover{color:#68ddd3}.copyright{border-top:1px solid #ffffff24;margin-top:24px;padding-top:13px;font-size:9.5px}
.notice{display:none;position:fixed;right:20px;bottom:20px;background:#fff;color:var(--ink);border:1px solid var(--line);box-shadow:0 10px 30px #0003;padding:14px 18px;z-index:300;font-size:12px}.notice.show{display:block}
.pagehero{background:#003f56;color:#fff;padding:55px 0}.pagehero h1{font-family:Georgia,serif;font-size:38px;font-weight:500;margin:7px 0}.pagecontent{padding:45px 0}.pagecards{display:grid;grid-template-columns:repeat(3,1fr);gap:16px}.pagecard{border:1px solid var(--line);padding:20px;border-radius:8px}.pagecard h3{font-size:16px}.pagecard p{font-size:13px;color:var(--muted)}
@media(max-width:1050px){.wrap{width:min(calc(100% - 40px),var(--max))}.nav>ul{gap:18px}.brand img{width:225px}.service{padding:0 12px}.sectorrow{grid-template-columns:190px repeat(5,1fr) 70px}}
@media(max-width:820px){.ticker{display:none}.header{height:76px}.brand img{width:220px}.mobile{display:block}.nav{display:none;position:absolute;left:0;right:0;top:116px;background:#fff;z-index:90;padding:14px 25px}.nav.open{display:block}.nav>ul{display:block}.nav a{padding:10px}.sub{position:static!important;box-shadow:none!important;border:0!important}.has-sub.open>.sub{display:block!important}.has-sub:hover>.sub{display:none!important}.has-sub.open:hover>.sub{display:block!important}.hero{height:auto;padding:45px 0}.herogrid,.who{grid-template-columns:1fr}.hero h1{font-size:43px}.services-grid{grid-template-columns:repeat(2,1fr);gap:24px}.service{border-left:0;padding:0}.frameworkrow{grid-template-columns:1fr}.chips{flex-wrap:wrap;gap:8px}.chip{border:1px solid #ffffff30;padding:6px 9px}.sectorrow{grid-template-columns:repeat(2,1fr)}.sector-intro,.sector-view{grid-column:1/-1}.insightrow{grid-template-columns:1fr 1fr}.insight-title{grid-column:1/-1}.ctagrid{grid-template-columns:1fr}.footergrid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.toptools .region{display:none}.pillars,.services-grid,.sectorrow,.insightrow,.footergrid{grid-template-columns:1fr}.pillar{border:0;padding:14px 0}.service{padding:12px 0;border-bottom:1px solid var(--line)}}