:root{--navy:#062b3e;--navy-2:#0b3d55;--blue:#087fa8;--sky:#dff4fa;--ink:#102a36;--muted:#5b7079;--line:#d7e2e6;--paper:#fff;--mist:#f3f7f8;--radius:18px;--shadow:0 18px 50px rgba(6,43,62,.12)}
img{height:auto}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:Inter,ui-sans-serif,system-ui,-apple-system,BlinkMacSystemFont,"Segoe UI",sans-serif;font-size:16px;line-height:1.6;background:#fff}img{max-width:100%;display:block}a{color:inherit;text-decoration:none}button,input,textarea,select{font:inherit}.wrap{width:min(1180px,calc(100% - 40px));margin-inline:auto}.eyebrow{display:inline-flex;align-items:center;gap:9px;color:var(--blue);font-weight:800;font-size:.78rem;letter-spacing:.12em;text-transform:uppercase}.eyebrow:before{content:"";width:28px;height:2px;background:var(--blue)}h1,h2,h3,p{margin-top:0}h1,h2,h3{line-height:1.08;letter-spacing:-.035em;color:var(--navy)}h1{font-size:clamp(2.5rem,6vw,5.6rem);max-width:950px;margin-bottom:26px}h2{font-size:clamp(2rem,4vw,3.75rem);margin-bottom:20px}h3{font-size:1.35rem;margin-bottom:10px}.lead{font-size:clamp(1.08rem,1.6vw,1.32rem);line-height:1.55;color:#d8e9ef;max-width:710px}.section-lead{font-size:1.16rem;color:var(--muted);max-width:720px}.btn{display:inline-flex;justify-content:center;align-items:center;min-height:50px;padding:0 23px;border-radius:999px;font-weight:800;border:1px solid transparent;transition:.2s 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a[aria-current="page"]{color:var(--blue)}.lang{padding:7px 11px;border:1px solid var(--line);border-radius:999px}.menu-button{display:none;margin-left:auto;background:none;border:0;font-size:1.5rem;color:var(--navy)}.hero{position:relative;overflow:hidden;background:var(--navy);color:#fff}.hero:before{content:"";position:absolute;inset:0;background:linear-gradient(90deg,rgba(4,35,50,.98) 0%,rgba(4,35,50,.9) 48%,rgba(4,35,50,.25) 100%),url('/assets/hero-institutional.jpg') center/cover no-repeat}.hero .wrap{position:relative;min-height:690px;display:flex;align-items:center;padding-block:90px}.hero-copy{max-width:920px}.hero h1{color:#fff}.hero-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:34px}.trust-row{display:flex;flex-wrap:wrap;gap:10px 26px;margin-top:43px;color:#d2e4ea;font-weight:700}.trust-row span:before{content:"✓";color:#56d0ed;margin-right:8px}.quick-paths{position:relative;margin-top:-58px;z-index:2}.path-grid{display:grid;grid-template-columns:1fr 1fr;box-shadow:var(--shadow);border-radius:var(--radius);overflow:hidden;background:#fff}.path{padding:38px 42px;display:grid;grid-template-columns:1fr auto;gap:22px;align-items:center}.path:first-child{border-right:1px solid var(--line)}.path p{margin:0;color:var(--muted)}.path-arrow{font-size:2rem;color:var(--blue)}section{padding:100px 0}.split{display:grid;grid-template-columns:1fr 1fr;gap:70px;align-items:center}.photo-frame{position:relative}.photo-frame img{width:100%;aspect-ratio:4/3;object-fit:cover;border-radius:var(--radius)}.photo-frame:after{content:"";position:absolute;right:-18px;bottom:-18px;width:42%;height:45%;border-right:5px solid var(--blue);border-bottom:5px solid var(--blue);border-radius:0 0 20px 0;pointer-events:none}.stat-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:14px;margin-top:32px}.stat{padding:20px;background:var(--mist);border-radius:14px}.stat strong{display:block;color:var(--navy);font-size:1.75rem}.stat span{font-size:.9rem;color:var(--muted)}.services{background:var(--mist)}.section-head{display:flex;justify-content:space-between;align-items:end;gap:40px;margin-bottom:42px}.section-head h2{max-width:760px;margin-bottom:0}.cards{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.card{background:#fff;border:1px solid var(--line);border-radius:var(--radius);padding:30px;transition:.2s}.card:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}.card-number{font-size:.8rem;font-weight:900;color:var(--blue);letter-spacing:.12em}.card p{color:var(--muted);margin-bottom:18px}.text-link{font-weight:850;color:var(--blue)}.commercial-band{background:var(--navy);color:#fff}.commercial-band h2,.commercial-band h3{color:#fff}.commercial-grid{display:grid;grid-template-columns:1.15fr .85fr;gap:70px;align-items:center}.commercial-list{display:grid;grid-template-columns:1fr 1fr;gap:12px}.commercial-list div{border:1px solid rgba(255,255,255,.18);padding:18px;border-radius:12px;color:#d9e9ef}.process{counter-reset:step}.process-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:18px}.step{border-top:3px solid var(--blue);padding:25px 12px 0}.step:before{counter-increment:step;content:"0" counter(step);display:block;color:var(--blue);font-weight:900;font-size:.8rem;letter-spacing:.12em;margin-bottom:14px}.step p{color:var(--muted)}.cta{padding-top:0}.cta-box{background:linear-gradient(135deg,var(--blue),#055d7b);color:#fff;border-radius:26px;padding:54px;display:flex;align-items:center;justify-content:space-between;gap:40px}.cta-box h2{color:#fff;margin-bottom:10px}.cta-box p{margin:0;color:#e4f5fa}.site-footer{background:#031f2e;color:#bdd1d8;padding:65px 0 28px}.footer-grid{display:grid;grid-template-columns:1.5fr 1fr 1fr 1fr;gap:40px}.footer-brand{width:185px;background:#fff;border-radius:8px;padding:6px;margin-bottom:20px}.site-footer h3{color:#fff;font-size:1rem;letter-spacing:0}.footer-links{display:grid;gap:9px}.footer-links a:hover{color:#fff}.footer-bottom{border-top:1px solid rgba(255,255,255,.12);margin-top:44px;padding-top:23px;font-size:.86rem;display:flex;justify-content:space-between;gap:20px}.page-hero{background:var(--navy);color:#fff;padding:90px 0}.page-hero h1{color:#fff;font-size:clamp(2.6rem,5vw,4.8rem);margin-bottom:18px}.page-hero p{max-width:800px;color:#d1e3e9;font-size:1.2rem}.content-grid{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:60px}.content h2{font-size:2.5rem;margin-top:50px}.content h2:first-child{margin-top:0}.content ul{padding-left:20px}.side-card{position:sticky;top:110px;background:var(--mist);border-radius:var(--radius);padding:28px}.side-card .btn{width:100%;margin-top:12px}.feature-grid{display:grid;grid-template-columns:repeat(2,1fr);gap:16px;margin:28px 0}.feature{border:1px solid var(--line);border-radius:14px;padding:22px}.feature p{margin:0;color:var(--muted)}.team-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:22px}.person{border:1px solid var(--line);border-radius:16px;overflow:hidden;background:#fff}.person img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top}.person-info{padding:18px}.person-info h3{font-size:1.05rem;margin-bottom:5px}.person-info p{color:var(--muted);font-size:.9rem;margin:0}.quote-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:60px}.contact-card{background:var(--navy);color:#fff;padding:38px;border-radius:var(--radius)}.contact-card h2{color:#fff;font-size:2rem}.form{display:grid;grid-template-columns:1fr 1fr;gap:18px}.field{display:grid;gap:7px}.field.full{grid-column:1/-1}.field label{font-weight:800;color:var(--navy)}.field input,.field select,.field textarea{width:100%;border:1px solid #bfcfd5;border-radius:10px;padding:13px 14px;background:#fff}.field textarea{min-height:140px;resize:vertical}.note{font-size:.87rem;color:var(--muted)}
.quote-intro{padding:54px 0 34px;background:var(--mist);border-bottom:1px solid var(--line)}.quote-intro h1{font-size:clamp(2.25rem,4.5vw,4rem);margin-bottom:12px}.quote-intro p{max-width:760px;color:var(--muted);font-size:1.08rem;margin-bottom:0}.quote-shell{padding:32px 0 70px;background:var(--mist)}.quote-frame-wrap{overflow:hidden;background:#fff;border:1px solid var(--line);border-radius:var(--radius);box-shadow:var(--shadow)}.zoho-frame{display:block;width:100%;height:1800px;border:0;background:#fff}.quote-help{padding:18px 24px;margin:0;color:var(--muted);font-size:.92rem;border-top:1px solid var(--line)}.quote-help a{color:var(--blue);font-weight:800}
.resource-intro{background:var(--navy);color:#fff;padding:82px 0}.resource-intro h1{color:#fff;font-size:clamp(2.6rem,5vw,4.8rem);margin-bottom:18px}.resource-intro p{max-width:820px;color:#d1e3e9;font-size:1.18rem}.resource-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.resource-card{display:flex;flex-direction:column;min-height:100%;padding:30px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.resource-card .resource-tag{color:var(--blue);font-size:.78rem;font-weight:900;letter-spacing:.1em;text-transform:uppercase}.resource-card h2,.resource-card h3{margin:12px 0}.resource-card p{color:var(--muted);flex:1}.resource-card .btn{align-self:flex-start;margin-top:10px}.document-list{display:grid;grid-template-columns:repeat(2,1fr);gap:18px}.document-card{padding:26px;border:1px solid var(--line);border-radius:16px;background:#fff}.document-card p{color:var(--muted)}.document-card a{color:var(--blue);font-weight:850}.faq-list{display:grid;gap:14px;max-width:940px}.faq-list details{border:1px solid var(--line);border-radius:14px;background:#fff;padding:0 22px}.faq-list summary{cursor:pointer;color:var(--navy);font-weight:850;font-size:1.08rem;padding:20px 34px 20px 0;position:relative}.faq-list summary::marker{color:var(--blue)}.faq-list details p{color:var(--muted);padding:0 0 20px;margin:0}.footer-utility{display:flex;flex-wrap:wrap;justify-content:space-between;gap:14px 28px;padding-top:20px;margin-top:20px;border-top:1px solid rgba(255,255,255,.12);font-size:.88rem}.footer-utility nav{display:flex;flex-wrap:wrap;gap:12px 22px}.footer-utility a:hover{color:#fff}
.site-footer>.footer-utility{width:min(1180px,calc(100% - 40px));margin:20px auto 0}
@media(max-width:960px){.nav-links{display:none;position:absolute;top:81px;left:0;right:0;background:#fff;padding:20px;box-shadow:var(--shadow);flex-direction:column;align-items:flex-start}.nav-links.open{display:flex}.menu-button{display:block}.hero .wrap{min-height:610px}.path-grid,.split,.commercial-grid,.content-grid,.quote-layout{grid-template-columns:1fr}.path:first-child{border-right:0;border-bottom:1px solid var(--line)}.cards{grid-template-columns:1fr 1fr}.process-grid{grid-template-columns:1fr 1fr}.team-grid{grid-template-columns:repeat(3,1fr)}.footer-grid{grid-template-columns:1fr 1fr}.side-card{position:static}}
@media(max-width:640px){.wrap{width:min(100% - 28px,1180px)}.topbar .wrap{justify-content:center}.topbar span{display:none}.nav{min-height:72px}.brand{width:145px}.brand img{height:56px}.nav-links{top:71px}.hero .wrap{padding-block:68px;min-height:620px}.hero:before{background:linear-gradient(rgba(4,35,50,.94),rgba(4,35,50,.9)),url('/assets/hero-institutional.jpg') center/cover}.hero-actions .btn{width:100%}.quick-paths{margin-top:-25px}.path{padding:26px 24px}.cards,.stat-grid,.commercial-list,.process-grid,.feature-grid,.team-grid,.form{grid-template-columns:1fr}.section-head,.cta-box{align-items:flex-start;flex-direction:column}section{padding:72px 0}.cta-box{padding:34px 26px}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}.team-grid{grid-template-columns:1fr 1fr}.quote-layout{gap:30px}}
@media(max-width:640px){.quote-intro{padding:38px 0 24px}.quote-shell{padding:18px 0 45px}.quote-frame-wrap{border-radius:12px}.zoho-frame{height:2100px}}
@media(max-width:760px){.resource-grid,.document-list{grid-template-columns:1fr}.resource-intro{padding:60px 0}.footer-utility{flex-direction:column}}
@media(max-width:420px){.team-grid{grid-template-columns:1fr}}
.breadcrumbs{display:flex;flex-wrap:wrap;align-items:center;gap:8px 11px;margin-bottom:34px;font-size:.88rem;color:var(--muted)}.breadcrumbs a:hover{color:var(--blue)}.breadcrumbs strong{font-weight:750;color:inherit}.page-hero .breadcrumbs,.resource-intro .breadcrumbs,.article-hero .breadcrumbs{color:#bcd2db}.service-hero{padding:82px 0;background:linear-gradient(135deg,#edf7fa,#fff 72%);border-bottom:1px solid var(--line)}.service-hero h1{font-size:clamp(2.5rem,5vw,4.9rem);margin:18px 0 22px}.service-hero>div>p{max-width:820px;font-size:1.2rem;color:var(--muted)}.service-detail{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:70px}.service-detail article>.prose-section{padding:0 0 46px}.prose-section h2,.article-main h2{font-size:clamp(1.7rem,3vw,2.45rem)}.prose-section li,.article-main li{margin-bottom:10px}.article-hero{padding:80px 0 68px;background:var(--navy);color:#fff}.article-hero h1{font-size:clamp(2.5rem,5vw,4.7rem);color:#fff;margin:18px 0 22px}.article-hero p{max-width:830px;color:#d1e3e9;font-size:1.18rem}.narrow{max-width:960px}.article-meta{display:flex;flex-wrap:wrap;gap:12px 28px;color:#a9c5cf;font-size:.88rem;margin-top:28px}.article-layout{display:grid;grid-template-columns:minmax(0,1fr) 330px;gap:70px;padding-block:82px}.article-main>section{padding:0 0 44px}.article-main p,.article-main li{color:#344f5b}.key-takeaway{padding:26px 28px;margin-bottom:48px;border-left:5px solid var(--blue);background:var(--sky);border-radius:0 14px 14px 0}.key-takeaway strong{display:block;color:var(--navy);margin-bottom:6px}.key-takeaway p{margin:0}.article-sources{border-top:1px solid var(--line);padding-top:38px!important}.article-sources ol{padding-left:20px}.article-sources a{color:var(--blue);font-weight:750}.article-note{padding:20px;border:1px solid var(--line);border-radius:12px;color:var(--muted);font-size:.9rem}.article-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.article-card{display:flex;flex-direction:column;padding:28px;border:1px solid var(--line);border-radius:var(--radius);background:#fff}.article-card h2{font-size:1.45rem;margin:12px 0}.article-card p{color:var(--muted);flex:1}.resource-tag{color:var(--blue);font-size:.76rem;font-weight:900;letter-spacing:.09em;text-transform:uppercase}.person-link{display:block;transition:.2s}.person-link:hover{transform:translateY(-5px);box-shadow:var(--shadow);border-color:transparent}.person-info h2{font-size:1.08rem;margin-bottom:7px}.person-info .text-link{display:inline-block;margin-top:14px;font-size:.9rem}.profile-hero{padding:58px 0 72px;background:linear-gradient(135deg,#edf7fa,#fff 74%)}.profile-hero-grid{display:grid;grid-template-columns:360px minmax(0,1fr);gap:68px;align-items:center}.profile-portrait img{width:100%;aspect-ratio:4/5;object-fit:cover;object-position:top;border-radius:22px;box-shadow:var(--shadow)}.profile-hero h1{font-size:clamp(2.8rem,5vw,5rem);margin:15px 0 12px}.profile-role{font-size:1.18rem;font-weight:800;color:var(--blue)}.profile-summary{font-size:1.16rem;color:var(--muted);max-width:760px}.profile-actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:28px}.profile-body{padding:82px 0}.profile-layout{display:grid;grid-template-columns:minmax(0,1fr) 360px;gap:70px}.profile-layout article{max-width:760px}.profile-layout article>h2,.profile-contact h2{font-size:clamp(1.8rem,3vw,2.65rem)}.profile-layout article>p{font-size:1.06rem;color:#344f5b}.credential-card{position:sticky;top:112px;padding:30px;background:var(--navy);color:#d8e9ef;border-radius:var(--radius)}.credential-card .eyebrow{color:#5cd2ef}.credential-card .eyebrow:before{background:#5cd2ef}.credential-card ul{padding-left:20px;margin:24px 0}.credential-card li{margin-bottom:12px}.small-note{font-size:.82rem;color:#a9c5cf}.profile-contact{border-top:1px solid var(--line);margin-top:40px;padding-top:35px}.profile-contact a{color:var(--blue);font-weight:800}
@media(max-width:960px){.service-detail,.article-layout,.profile-layout{grid-template-columns:1fr}.article-grid{grid-template-columns:1fr 1fr}.profile-hero-grid{grid-template-columns:280px 1fr;gap:38px}.credential-card{position:static}}
@media(max-width:680px){.article-grid,.profile-hero-grid{grid-template-columns:1fr}.profile-portrait{max-width:300px}.profile-actions .btn{width:100%}.service-detail,.article-layout,.profile-layout{gap:38px}.article-layout,.profile-body{padding-block:60px}}
.phone-links{display:flex;flex-wrap:wrap;align-items:center;justify-content:flex-end;gap:4px 18px}.phone-links a{white-space:nowrap}@media(max-width:640px){.phone-links{justify-content:center;gap:3px 12px;font-size:.76rem}.topbar .wrap{padding-block:7px}}
.consent-banner{position:fixed;z-index:1000;left:20px;right:20px;bottom:20px;width:min(820px,calc(100% - 40px));margin-inline:auto;padding:25px 26px 22px;border:1px solid var(--line);border-radius:18px;background:#fff;color:var(--ink);box-shadow:0 24px 70px rgba(3,31,46,.28)}.consent-close{position:absolute;right:16px;top:11px;width:36px;height:36px;border:0;background:none;color:var(--navy);font-size:2rem;line-height:1;cursor:pointer}.consent-copy{padding-right:36px}.consent-copy>strong{display:block;color:var(--navy);font-size:1.16rem;margin-bottom:7px}.consent-copy p{max-width:710px;margin:0;color:var(--muted);font-size:.92rem;line-height:1.5}.consent-actions{display:grid;grid-template-columns:repeat(3,1fr);gap:10px;margin-top:18px}.consent-banner .btn{min-height:44px;padding-inline:14px}.consent-save{grid-column:1/-1}.consent-preferences{display:grid;gap:9px;margin-top:17px}.consent-row{display:flex;align-items:center;justify-content:space-between;gap:18px;padding:12px 14px;border:1px solid var(--line);border-radius:11px}.consent-row span{display:grid}.consent-row small{color:var(--muted)}.consent-row em{color:var(--blue);font-size:.84rem;font-style:normal;font-weight:800}.consent-row input{width:22px;height:22px;accent-color:var(--blue)}.consent-policies{display:flex;flex-wrap:wrap;justify-content:center;gap:8px 20px;margin-top:16px;font-size:.86rem}.consent-policies a,.consent-settings{text-decoration:underline;text-underline-offset:3px}.consent-settings{padding:0;border:0;background:none;color:inherit;cursor:pointer;font:inherit}.consent-settings:hover{color:#fff}@media(max-width:700px){.consent-banner{left:14px;right:14px;bottom:14px;width:calc(100% - 28px);max-height:calc(100vh - 28px);overflow:auto;padding:22px 18px 18px}.consent-actions{grid-template-columns:1fr}.consent-save{grid-column:auto}.consent-row{align-items:flex-start}.consent-copy p{font-size:.88rem}}
.legal-links{display:flex;flex-wrap:wrap;gap:8px 18px}.legal-links a{text-decoration:underline;text-underline-offset:3px}.legal-shell{padding:72px 0}.legal-layout{display:grid;grid-template-columns:minmax(0,1fr) 310px;gap:64px}.legal-content{max-width:820px}.legal-content h2{font-size:clamp(1.55rem,2.8vw,2.2rem);margin:42px 0 14px}.legal-content h2:first-child{margin-top:0}.legal-content h3{font-size:1.15rem;margin-top:28px}.legal-content p,.legal-content li{color:#344f5b}.legal-content li{margin-bottom:8px}.legal-aside{align-self:start;padding:26px;border-radius:16px;background:var(--mist);position:sticky;top:110px}.legal-aside p:last-child{margin-bottom:0}.legal-aside a{color:var(--blue);font-weight:800}.sms-optout{display:grid;gap:18px;margin-top:28px;padding:28px;border:1px solid var(--line);border-radius:16px;background:var(--mist)}.sms-optout .field{max-width:560px}.sms-optout .btn{justify-self:start}.legal-notice{padding:20px 22px;border-left:4px solid var(--blue);background:var(--sky);border-radius:0 12px 12px 0}@media(max-width:860px){.legal-layout{grid-template-columns:1fr}.legal-aside{position:static}}@media(max-width:640px){.legal-shell{padding:54px 0}.sms-optout{padding:22px}.sms-optout .btn{width:100%}}