:root {
  --navy: #0c2a43;
  --navy-2: #123a58;
  --navy-3: #071b2c;
  --red: #ed4545;
  --red-dark: #c8323b;
  --ink: #142435;
  --muted: #5e6e7c;
  --line: #dce4ea;
  --paper: #ffffff;
  --soft: #f4f7f9;
  --cream: #f3f0ed;
  --blue-soft: #eaf2f7;
  --success: #176b54;
  --shadow: 0 18px 55px rgba(9, 34, 54, .13);
  --shadow-sm: 0 10px 30px rgba(9, 34, 54, .09);
  --radius: 20px;
  --container: 1180px;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body {
  margin: 0;
  color: var(--ink);
  background: var(--paper);
  font-family: Inter, ui-sans-serif, system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Arial, sans-serif;
  font-size: 16px;
  line-height: 1.65;
  -webkit-font-smoothing: antialiased;
}
img { display: block; max-width: 100%; }
a { color: inherit; text-decoration-thickness: .08em; text-underline-offset: .18em; }
button, input, select, textarea { font: inherit; }
button { cursor: pointer; }
.container { width: min(calc(100% - 40px), var(--container)); margin-inline: auto; }
.narrow { width: min(calc(100% - 40px), 820px); margin-inline: auto; }
.skip-link { position: fixed; left: 12px; top: -100px; z-index: 9999; padding: 10px 16px; background: #fff; color: var(--navy); border-radius: 8px; box-shadow: var(--shadow-sm); }
.skip-link:focus { top: 12px; }
.sr-only { position: absolute!important; width: 1px!important; height: 1px!important; padding: 0!important; margin: -1px!important; overflow: hidden!important; clip: rect(0,0,0,0)!important; white-space: nowrap!important; border: 0!important; }
.hidden { display: none!important; }
:focus-visible { outline: 3px solid #57b6e3; outline-offset: 4px; }

.utility-bar { background: var(--navy-3); color: #d8e4ec; font-size: .79rem; letter-spacing: .015em; }
.utility-inner { min-height: 37px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.utility-inner p { margin: 0; }
.utility-links { display: flex; align-items: center; gap: 18px; }
.utility-links a { color: #fff; text-decoration: none; }
.utility-links a:hover { color: #b9ddf0; }

.site-header { position: sticky; top: 0; z-index: 1000; background: rgba(12,42,67,.98); border-bottom: 1px solid rgba(255,255,255,.09); backdrop-filter: blur(14px); }
.nav-shell { min-height: 92px; display: flex; align-items: center; justify-content: space-between; gap: 24px; }
.brand { flex: 0 0 auto; display: inline-flex; align-items: center; text-decoration: none; }
.brand img { width: 306px; height: auto; }
.primary-nav { display: flex; align-items: center; justify-content: flex-end; gap: 4px; }
.primary-nav > a { padding: 10px 9px; color: #edf4f8; text-decoration: none; font-size: .91rem; font-weight: 680; white-space: nowrap; border-radius: 8px; }
.primary-nav > a:hover, .primary-nav > a[aria-current="page"] { background: rgba(255,255,255,.09); color: #fff; }
.primary-nav .nav-cta { margin-left: 7px; padding: 11px 15px; background: var(--red-dark); color: #fff; box-shadow: 0 7px 20px rgba(0,0,0,.18); }
.primary-nav .nav-cta:hover, .primary-nav .nav-cta[aria-current="page"] { background: var(--red); }
.nav-toggle { display: none; width: 46px; height: 42px; border: 1px solid rgba(255,255,255,.25); border-radius: 10px; background: transparent; color: #fff; }
.nav-toggle span:not(.sr-only) { display: block; width: 22px; height: 2px; margin: 4px auto; background: currentColor; transition: transform .2s ease, opacity .2s ease; }

.hero, .page-hero { position: relative; overflow: hidden; color: #fff; background: var(--navy); }
.hero::before, .page-hero::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(circle at 1px 1px, rgba(100,183,224,.28) 1px, transparent 1.2px); background-size: 25px 25px; mask-image: linear-gradient(to bottom, rgba(0,0,0,.95), transparent 96%); }
.hero::after, .page-hero::after { content: ""; position: absolute; width: 620px; height: 620px; right: -260px; bottom: -390px; border-radius: 50%; background: radial-gradient(circle, rgba(237,69,69,.24), transparent 68%); }
.hero-shell { position: relative; z-index: 1; display: grid; grid-template-columns: minmax(0,1.35fr) minmax(330px,.65fr); gap: 64px; align-items: center; padding-block: 82px 70px; }
.hero-copy h1, .page-hero h1 { max-width: 900px; margin: 10px 0 24px; color: #fff; font-size: clamp(2.55rem, 5.1vw, 5.25rem); line-height: .98; letter-spacing: -.045em; }
.hero-copy .lede { max-width: 780px; margin: 0; color: #dbe7ee; font-size: clamp(1.05rem, 1.6vw, 1.31rem); line-height: 1.62; }
.eyebrow { margin: 0 0 10px; color: var(--red-dark); font-size: .78rem; font-weight: 850; letter-spacing: .15em; text-transform: uppercase; }
.hero .eyebrow, .page-hero .eyebrow, .section-dark .eyebrow, .section-red .eyebrow, .contact-section .eyebrow { color: #ff8b8b; }
.hero-actions { display: flex; align-items: center; flex-wrap: wrap; gap: 18px; margin-top: 30px; }
.hero-note { max-width: 790px; margin: 22px 0 0; padding-left: 15px; border-left: 3px solid var(--red); color: #bfcfda; font-size: .9rem; }
.hero-card { padding: 30px; border: 1px solid rgba(255,255,255,.17); border-radius: var(--radius); background: rgba(7,27,44,.72); box-shadow: 0 20px 60px rgba(0,0,0,.25); backdrop-filter: blur(10px); }
.hero-card h2 { margin: 6px 0 18px; color: #fff; font-size: 1.5rem; line-height: 1.25; }
.hero-card p { color: #cbd9e2; }
.hero-card a { color: #fff; }
.hero-card .mini-label { color: #ff9a9a; font-size: .76rem; font-weight: 800; letter-spacing: .12em; text-transform: uppercase; }
.check-list { display: grid; gap: 11px; margin: 20px 0 24px; padding: 0; list-style: none; }
.check-list li { position: relative; padding-left: 29px; color: inherit; }
.check-list li::before { content: "✓"; position: absolute; left: 0; top: 1px; display: grid; place-items: center; width: 20px; height: 20px; color: #fff; background: var(--red-dark); border-radius: 50%; font-size: .72rem; font-weight: 900; }
.hero-metrics { position: relative; z-index: 2; display: grid; grid-template-columns: repeat(4,1fr); transform: translateY(1px); border-radius: 18px 18px 0 0; background: #fff; box-shadow: 0 -5px 35px rgba(0,0,0,.1); }
.hero-metrics > div { min-height: 120px; padding: 26px 28px; border-right: 1px solid var(--line); }
.hero-metrics > div:last-child { border-right: 0; }
.hero-metrics strong { display: block; color: var(--navy); font-size: clamp(1.7rem, 3.2vw, 2.5rem); line-height: 1; letter-spacing: -.035em; }
.hero-metrics span { display: block; margin-top: 9px; color: var(--muted); font-size: .82rem; line-height: 1.35; }

.page-hero-shell { position: relative; z-index: 2; padding-block: 68px 74px; }
.breadcrumbs { display: flex; flex-wrap: wrap; gap: 9px; margin-bottom: 26px; color: #b9cbd7; font-size: .85rem; }
.breadcrumbs a { color: #fff; text-decoration: none; }
.page-hero h1 { max-width: 950px; font-size: clamp(2.35rem, 4.6vw, 4.8rem); }
.page-hero .lede { max-width: 850px; margin: 0; color: #d7e3eb; font-size: clamp(1.05rem, 1.7vw, 1.3rem); }
.page-hero .hero-actions { margin-top: 26px; }

.button { display: inline-flex; align-items: center; justify-content: center; min-height: 50px; padding: 12px 21px; border: 1px solid transparent; border-radius: 10px; color: #fff; background: var(--red-dark); text-decoration: none; font-weight: 820; line-height: 1.2; box-shadow: 0 9px 22px rgba(200,50,59,.24); transition: transform .18s ease, background .18s ease, box-shadow .18s ease; }
.button:hover { transform: translateY(-2px); background: var(--red); box-shadow: 0 13px 27px rgba(200,50,59,.29); }
.button-secondary { color: var(--navy); background: #fff; box-shadow: none; }
.button-secondary:hover { color: var(--navy); background: var(--cream); }
.button-outline { border-color: rgba(255,255,255,.42); color: #fff; background: transparent; box-shadow: none; }
.button-outline:hover { background: rgba(255,255,255,.1); }
.text-link { color: inherit; font-weight: 820; text-decoration: none; }
.text-link:hover { text-decoration: underline; }

.section { padding-block: 88px; }
.section-sm { padding-block: 60px; }
.section-muted { background: var(--soft); }
.section-cream { background: var(--cream); }
.section-dark { color: #fff; background: var(--navy); }
.section-dark p { color: #d4e0e8; }
.section-red { color: #fff; background: var(--red-dark); }
.section-heading { max-width: 820px; margin-bottom: 42px; }
.section-heading.centered { margin-inline: auto; text-align: center; }
.section-heading h2 { margin: 0 0 16px; color: var(--navy); font-size: clamp(2rem, 3.7vw, 3.55rem); line-height: 1.05; letter-spacing: -.035em; }
.section-heading h3 { margin: 0 0 13px; font-size: 1.5rem; line-height: 1.2; }
.section-heading p { margin: 0; color: var(--muted); font-size: 1.05rem; }
.section-dark .section-heading h2, .section-red .section-heading h2 { color: #fff; }
.section-dark .section-heading p, .section-red .section-heading p { color: #d9e4eb; }
.kicker { color: var(--red-dark); font-weight: 800; }

.grid { display: grid; gap: 24px; }
.grid > *, .split > *, .case-grid > *, .article-layout > *, .contact-layout > *, .calc-shell > *, .leader-grid > *, .process-grid > *, .market-grid > *, .results-grid > * { min-width: 0; }
.grid-2 { grid-template-columns: repeat(2,minmax(0,1fr)); }
.grid-3 { grid-template-columns: repeat(3,minmax(0,1fr)); }
.grid-4 { grid-template-columns: repeat(4,minmax(0,1fr)); }
.card { padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-sm); }
.card h3 { margin: 0 0 10px; color: var(--navy); font-size: 1.35rem; line-height: 1.22; }
.card p { margin: 0; color: var(--muted); }
.card p + p { margin-top: 13px; }
.card a { color: var(--navy); }
.card-number { display: inline-grid; place-items: center; width: 36px; height: 36px; margin-bottom: 20px; border-radius: 50%; color: #fff; background: var(--red-dark); font-size: .8rem; font-weight: 900; }
.icon-tile { display: grid; place-items: center; width: 47px; height: 47px; margin-bottom: 19px; border-radius: 13px; color: var(--red-dark); background: #fdeced; font-size: 1.1rem; font-weight: 900; }
.path-card { position: relative; overflow: hidden; min-height: 250px; }
.path-card::after { content: ""; position: absolute; right: -48px; bottom: -55px; width: 135px; height: 135px; border-radius: 50%; background: rgba(237,69,69,.08); }
.path-card a { display: inline-block; margin-top: 20px; font-weight: 820; text-decoration: none; }

.split { display: grid; grid-template-columns: .84fr 1.16fr; gap: 72px; align-items: start; }
.split.equal { grid-template-columns: repeat(2,minmax(0,1fr)); }
.prose p { margin-top: 0; color: var(--muted); }
.prose p + p { margin-top: 18px; }
.feature-list { display: grid; gap: 18px; margin-top: 30px; }
.feature-list > div { padding-left: 18px; border-left: 3px solid var(--red); }
.feature-list strong, .feature-list span { display: block; }
.feature-list strong { color: var(--navy); }
.feature-list span { margin-top: 4px; color: var(--muted); }

.callout { padding: 34px; border-radius: var(--radius); color: #fff; background: var(--navy); box-shadow: var(--shadow); }
.callout h3 { margin: 0 0 12px; color: #fff; font-size: 1.75rem; line-height: 1.12; }
.callout p { margin: 0; color: #d4e1e9; }
.callout .button { margin-top: 22px; }

.process-grid { counter-reset: step; display: grid; grid-template-columns: repeat(4,1fr); gap: 18px; }
.process-step { position: relative; min-height: 235px; padding: 28px 25px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; }
.process-step::before { counter-increment: step; content: "0" counter(step); display: block; margin-bottom: 28px; color: var(--red-dark); font-size: .83rem; font-weight: 900; letter-spacing: .13em; }
.process-step h3 { margin: 0 0 9px; color: var(--navy); font-size: 1.28rem; }
.process-step p { margin: 0; color: var(--muted); }

.coverage-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 18px; }
.coverage-card { padding: 24px; border: 1px solid rgba(255,255,255,.15); border-radius: 17px; background: rgba(255,255,255,.06); }
.coverage-card h3 { margin: 0 0 8px; color: #fff; font-size: 1.16rem; }
.coverage-card p { margin: 0; color: #cbd9e2; font-size: .92rem; }

.case-grid { display: grid; grid-template-columns: repeat(12,1fr); gap: 20px; }
.case-card { grid-column: span 4; position: relative; display: flex; flex-direction: column; min-height: 330px; padding: 30px; overflow: hidden; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-sm); }
.case-card.wide { grid-column: span 6; }
.case-card::before { content: ""; position: absolute; inset: 0 auto 0 0; width: 5px; background: var(--red); }
.case-location { margin: 0 0 18px; color: var(--muted); font-size: .76rem; font-weight: 850; letter-spacing: .13em; text-transform: uppercase; }
.case-value { margin: 0; color: var(--navy); font-size: clamp(2.1rem, 3.7vw, 3.4rem); line-height: 1; letter-spacing: -.045em; }
.case-card h3 { margin: 11px 0 13px; color: var(--navy); font-size: 1.24rem; line-height: 1.24; }
.case-card p { margin: 0; color: var(--muted); font-size: .94rem; }
.case-card .case-tags { display: flex; flex-wrap: wrap; gap: 7px; margin-top: auto; padding-top: 20px; }
.tag { display: inline-flex; padding: 5px 9px; border-radius: 999px; color: var(--navy); background: var(--blue-soft); font-size: .73rem; font-weight: 770; }
.disclaimer-note { margin-top: 25px; padding: 16px 18px; border-left: 4px solid var(--red); color: var(--muted); background: var(--soft); font-size: .82rem; }

.table-wrap { width: 100%; max-width: 100%; overflow-x: auto; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-sm); }
table { width: 100%; min-width: 720px; border-collapse: collapse; }
th, td { padding: 16px 19px; border-bottom: 1px solid var(--line); text-align: left; }
th { color: #fff; background: var(--navy); font-size: .79rem; letter-spacing: .04em; text-transform: uppercase; }
td { color: var(--ink); }
tbody tr:last-child td { border-bottom: 0; }
tbody tr.total td { color: var(--navy); background: #f4f8fa; font-weight: 850; }
td.positive { color: var(--success); font-weight: 850; }
.table-note { margin: 14px 0 0; color: var(--muted); font-size: .82rem; }

.calc-shell { display: grid; grid-template-columns: .9fr 1.1fr; gap: 34px; padding: 34px; border-radius: var(--radius); background: #fff; box-shadow: var(--shadow); }
.calc-form { display: grid; gap: 15px; }
.field { display: grid; gap: 7px; }
.field > span, label > span { color: var(--navy); font-size: .85rem; font-weight: 800; }
input, select, textarea { width: 100%; border: 1px solid #bdc9d2; border-radius: 9px; color: var(--ink); background: #fff; }
input, select { min-height: 47px; padding: 10px 12px; }
textarea { padding: 12px; resize: vertical; }
input:focus, select:focus, textarea:focus { border-color: #4b9cc7; outline: 3px solid rgba(75,156,199,.18); }
.calc-results { display: grid; align-content: center; gap: 18px; padding: 30px; border-radius: 16px; color: #fff; background: var(--navy); }
.calc-results .result-label { color: #bbccd7; font-size: .8rem; font-weight: 800; letter-spacing: .08em; text-transform: uppercase; }
.calc-results output { display: block; color: #fff; font-size: clamp(2.3rem, 5vw, 4.5rem); font-weight: 850; line-height: 1; letter-spacing: -.04em; }
.calc-results .secondary-result { padding-top: 17px; border-top: 1px solid rgba(255,255,255,.18); }
.calc-results .secondary-result output { font-size: 1.9rem; }
.calc-note { color: #c8d7e0; font-size: .78rem; }

.timeline { display: grid; gap: 0; }
.timeline-item { position: relative; display: grid; grid-template-columns: 90px 1fr; gap: 24px; padding-bottom: 36px; }
.timeline-item:not(:last-child)::after { content: ""; position: absolute; left: 43px; top: 54px; bottom: 0; width: 2px; background: var(--line); }
.timeline-number { position: relative; z-index: 1; display: grid; place-items: center; width: 86px; height: 54px; border-radius: 10px; color: #fff; background: var(--navy); font-weight: 900; }
.timeline-content { padding-top: 3px; }
.timeline-content h3 { margin: 0 0 6px; color: var(--navy); }
.timeline-content p { margin: 0; color: var(--muted); }
.timeline-content small { display: block; margin-top: 8px; color: var(--red-dark); font-weight: 780; }

.market-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 14px; }
.market-card { min-height: 155px; padding: 20px; border: 1px solid var(--line); border-radius: 15px; background: #fff; }
.market-card strong { display: block; color: var(--red-dark); font-size: 1.35rem; }
.market-card h3 { margin: 4px 0 6px; color: var(--navy); font-size: 1.08rem; }
.market-card p { margin: 0; color: var(--muted); font-size: .82rem; line-height: 1.45; }

.results-grid { display: grid; grid-template-columns: repeat(4,1fr); gap: 16px; }
.result-card { padding: 25px; border-radius: 17px; color: #fff; background: var(--navy); }
.result-card strong { display: block; color: #fff; font-size: 2rem; line-height: 1; }
.result-card span { display: block; margin-top: 9px; color: #cfdae2; font-size: .86rem; }

.leader-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 22px; }
.leader-card { display: flex; gap: 21px; align-items: center; padding: 27px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-sm); }
.avatar { flex: 0 0 auto; display: grid; place-items: center; width: 72px; height: 72px; border-radius: 50%; color: #fff; background: var(--navy); font-weight: 900; }
.leader-card h3 { margin: 0; color: var(--navy); font-size: 1.3rem; }
.leader-card p { margin: 2px 0 8px; color: var(--muted); }
.leader-card a { display: block; color: var(--navy); font-size: .9rem; }

.quote-panel { padding: 38px; border-radius: var(--radius); color: #fff; background: linear-gradient(130deg, var(--navy), #164767); box-shadow: var(--shadow); }
.quote-panel blockquote { margin: 0; font-size: clamp(1.4rem, 2.7vw, 2.25rem); line-height: 1.25; letter-spacing: -.02em; }
.quote-panel cite { display: block; margin-top: 20px; color: #c9d8e1; font-style: normal; }

.faq-list { display: grid; gap: 12px; }
details { border: 1px solid var(--line); border-radius: 13px; background: #fff; }
summary { position: relative; padding: 20px 52px 20px 21px; color: var(--navy); font-weight: 820; cursor: pointer; list-style: none; }
summary::-webkit-details-marker { display: none; }
summary::after { content: "+"; position: absolute; right: 20px; top: 50%; transform: translateY(-50%); color: var(--red-dark); font-size: 1.35rem; }
details[open] summary::after { content: "–"; }
details p { margin: 0; padding: 0 21px 21px; color: var(--muted); }

.article-grid { display: grid; grid-template-columns: repeat(3,1fr); gap: 22px; }
.article-card { display: flex; flex-direction: column; min-height: 330px; padding: 28px; border: 1px solid var(--line); border-radius: var(--radius); background: #fff; box-shadow: var(--shadow-sm); }
.article-card .article-type { margin: 0 0 14px; color: var(--red-dark); font-size: .75rem; font-weight: 850; letter-spacing: .12em; text-transform: uppercase; }
.article-card h2, .article-card h3 { margin: 0 0 13px; color: var(--navy); font-size: 1.38rem; line-height: 1.2; }
.article-card p { margin: 0; color: var(--muted); }
.article-card a { margin-top: auto; padding-top: 20px; color: var(--navy); font-weight: 820; text-decoration: none; }
.article-meta { display: flex; flex-wrap: wrap; gap: 9px 18px; margin: 18px 0 0; color: var(--muted); font-size: .82rem; }
.article-layout { display: grid; grid-template-columns: minmax(0,1fr) 280px; gap: 60px; align-items: start; }
.article-body { max-width: 780px; }
.article-body h2 { margin: 48px 0 13px; color: var(--navy); font-size: clamp(1.75rem, 3vw, 2.45rem); line-height: 1.1; }
.article-body h3 { margin: 32px 0 10px; color: var(--navy); }
.article-body p, .article-body li { color: #415564; }
.article-body .lead { color: var(--ink); font-size: 1.18rem; }
.article-body a { color: #0a5f90; }
.article-sidebar { position: sticky; top: 125px; display: grid; gap: 16px; }
.sidebar-card { padding: 22px; border: 1px solid var(--line); border-radius: 15px; background: var(--soft); }
.sidebar-card h2, .sidebar-card h3 { margin: 0 0 9px; color: var(--navy); font-size: 1.05rem; }
.sidebar-card p { margin: 0; color: var(--muted); font-size: .85rem; }
.sidebar-card a { display: inline-block; margin-top: 12px; color: var(--navy); font-weight: 800; }
.source-note { padding: 18px 20px; border-left: 4px solid var(--red); background: var(--soft); color: var(--muted); font-size: .84rem; }
.stat-list { display: grid; grid-template-columns: repeat(2,1fr); gap: 14px; margin: 24px 0; }
.stat-list > div { padding: 20px; border-radius: 14px; background: var(--soft); }
.stat-list strong { display: block; color: var(--navy); font-size: 1.8rem; }
.stat-list span { color: var(--muted); font-size: .84rem; }

.contact-section { color: #fff; background: var(--navy); }
.contact-layout { display: grid; grid-template-columns: .78fr 1.22fr; gap: 60px; align-items: start; }
.contact-intro h2 { margin: 0 0 18px; color: #fff; font-size: clamp(2.1rem,4vw,3.8rem); line-height: 1.04; }
.contact-intro p { color: #c9d8e1; }
.contact-lines { display: grid; gap: 8px; margin-top: 28px; }
.contact-lines a { color: #fff; font-size: 1.07rem; font-weight: 800; }
.review-form { padding: 30px; border-radius: var(--radius); background: #fff; box-shadow: 0 24px 70px rgba(0,0,0,.27); }
.form-grid { display: grid; grid-template-columns: repeat(2,1fr); gap: 16px; }
.form-grid label { display: grid; gap: 6px; }
.form-grid .full { grid-column: 1/-1; }
.review-form .button { margin-top: 18px; }
.form-note { margin: 13px 0 0; color: var(--muted)!important; font-size: .77rem; }
.form-note a { color: var(--navy); }

.cta-band { position: relative; overflow: hidden; color: #fff; background: var(--red-dark); }
.cta-band::before { content: ""; position: absolute; inset: 0; background-image: radial-gradient(circle at 1px 1px, rgba(255,255,255,.2) 1px, transparent 1.2px); background-size: 24px 24px; opacity: .55; }
.cta-band-inner { position: relative; z-index: 1; display: flex; justify-content: space-between; align-items: center; gap: 40px; padding-block: 48px; }
.cta-band h2 { margin: 0; color: #fff; font-size: clamp(1.8rem,3.5vw,3rem); line-height: 1.08; }
.cta-band p { max-width: 680px; margin: 9px 0 0; color: #fff1f1; }

.site-footer { color: #c5d3dc; background: var(--navy-3); }
.footer-main { display: grid; grid-template-columns: 1.35fr .75fr .75fr 1fr; gap: 46px; padding-block: 60px 42px; }
.footer-logo { width: 295px; max-width: 100%; }
.footer-main p { max-width: 380px; color: #aebfca; font-size: .88rem; }
.footer-column h2 { margin: 0 0 15px; color: #fff; font-size: .84rem; letter-spacing: .09em; text-transform: uppercase; }
.footer-column a { display: block; width: fit-content; margin: 8px 0; color: #c5d3dc; text-decoration: none; font-size: .88rem; }
.footer-column a:hover { color: #fff; }
.footer-newsletter { display: grid; gap: 9px; }
.footer-newsletter label { color: #fff; font-size: .82rem; font-weight: 800; }
.footer-newsletter input { min-height: 44px; border-color: #52697a; color: #fff; background: #0c263b; }
.footer-newsletter button { min-height: 44px; border: 0; border-radius: 8px; color: #fff; background: var(--red-dark); font-weight: 820; }
.footer-newsletter small { color: #90a5b3; font-size: .7rem; }
.footer-legal { display: flex; align-items: flex-start; justify-content: space-between; gap: 40px; padding-block: 25px 38px; border-top: 1px solid rgba(255,255,255,.1); }
.footer-legal p { max-width: 780px; margin: 0; color: #91a5b2; font-size: .72rem; }
.footer-legal-links { display: flex; flex-wrap: wrap; justify-content: flex-end; gap: 10px 16px; }
.footer-legal-links a { color: #b7c7d1; font-size: .73rem; text-decoration: none; }

.mobile-cta { display: none; }
.notice { padding: 18px 20px; border-radius: 13px; color: #314b5d; background: #eaf3f8; }
.notice strong { color: var(--navy); }
.success-mark { display: grid; place-items: center; width: 70px; height: 70px; margin: 0 auto 24px; border-radius: 50%; color: #fff; background: var(--success); font-size: 2rem; font-weight: 900; }
.centered-copy { text-align: center; }
.centered-copy .button { margin-top: 20px; }
.legal-page h2 { margin-top: 38px; color: var(--navy); }
.legal-page h3 { color: var(--navy); }
.legal-page p, .legal-page li { color: #425766; }

@media (max-width: 1120px) {
  .brand img { width: 265px; }
  .primary-nav > a { padding-inline: 7px; font-size: .84rem; }
  .hero-shell { grid-template-columns: 1.1fr .7fr; gap: 36px; }
  .market-grid { grid-template-columns: repeat(3,1fr); }
}
@media (max-width: 980px) {
  body.menu-open { overflow: hidden; }
  .utility-inner { min-height: 34px; }
  .utility-inner p { font-size: .72rem; }
  .nav-shell { min-height: 82px; }
  .brand img { width: 250px; }
  .nav-toggle { display: block; }
  .primary-nav { position: fixed; left: 0; right: 0; top: 116px; bottom: 0; display: none; align-content: start; padding: 22px 20px 40px; overflow-y: auto; background: var(--navy); }
  .primary-nav.open { display: grid; }
  .primary-nav > a { padding: 14px; font-size: 1rem; border-bottom: 1px solid rgba(255,255,255,.08); border-radius: 0; }
  .primary-nav .nav-cta { margin: 14px 0 0; border-radius: 10px; text-align: center; }
  .hero-shell { grid-template-columns: 1fr; padding-block: 65px 52px; }
  .hero-card { max-width: 650px; }
  .hero-metrics { grid-template-columns: repeat(2,1fr); }
  .hero-metrics > div:nth-child(2) { border-right: 0; }
  .hero-metrics > div:nth-child(-n+2) { border-bottom: 1px solid var(--line); }
  .grid-4 { grid-template-columns: repeat(2,1fr); }
  .grid-3, .article-grid { grid-template-columns: repeat(2,1fr); }
  .split, .split.equal, .calc-shell, .contact-layout, .article-layout { grid-template-columns: 1fr; gap: 40px; }
  .process-grid { grid-template-columns: repeat(2,1fr); }
  .coverage-grid { grid-template-columns: repeat(2,1fr); }
  .case-card { grid-column: span 6; }
  .market-grid { grid-template-columns: repeat(2,1fr); }
  .results-grid { grid-template-columns: repeat(2,1fr); }
  .article-sidebar { position: static; grid-template-columns: repeat(2,1fr); }
  .footer-main { grid-template-columns: repeat(2,1fr); }
}
@media (max-width: 680px) {
  body { padding-bottom: 64px; }
  .container, .narrow { width: min(calc(100% - 28px), var(--container)); }
  .utility-inner { justify-content: center; }
  .utility-inner p { display: none; }
  .utility-links { width: 100%; justify-content: space-between; }
  .utility-links a { white-space: nowrap; }
  .utility-links a:nth-child(2) { display: none; }
  .utility-links a:last-child { font-size: 0; }
  .utility-links a:last-child::after { content: "Client portal"; font-size: .76rem; }
  .nav-shell { min-height: 74px; }
  .brand img { width: 215px; }
  .primary-nav { top: 108px; }
  .hero-shell { padding-block: 49px 42px; }
  .hero-copy h1, .page-hero h1 { font-size: clamp(2.3rem, 12vw, 3.7rem); }
  .hero-actions { align-items: stretch; flex-direction: column; }
  .hero-actions .button { width: 100%; }
  .hero-card { padding: 24px; }
  .hero-metrics { margin-inline: -14px; border-radius: 0; }
  .hero-metrics > div { min-height: 105px; padding: 21px 18px; }
  .section { padding-block: 66px; }
  .section-sm { padding-block: 48px; }
  .section-heading { margin-bottom: 32px; }
  .grid-2, .grid-3, .grid-4, .article-grid, .leader-grid, .coverage-grid, .process-grid, .results-grid, .market-grid, .stat-list { grid-template-columns: 1fr; }
  .results-grid[style], .coverage-grid[style] { grid-template-columns: 1fr !important; }
  .case-card, .case-card.wide { grid-column: 1/-1; min-height: auto; }
  .calc-shell { padding: 22px; }
  .calc-results { padding: 25px 21px; }
  .timeline-item { grid-template-columns: 56px 1fr; gap: 15px; }
  .timeline-item:not(:last-child)::after { left: 27px; }
  .timeline-number { width: 56px; height: 48px; }
  .leader-card { align-items: flex-start; }
  .avatar { width: 57px; height: 57px; }
  .form-grid { grid-template-columns: 1fr; }
  .form-grid .full { grid-column: auto; }
  .review-form { padding: 22px; }
  .cta-band-inner { align-items: stretch; flex-direction: column; }
  .cta-band-inner .button { width: 100%; }
  .footer-main { grid-template-columns: 1fr; gap: 30px; padding-top: 48px; }
  .footer-legal { flex-direction: column; }
  .footer-legal-links { justify-content: flex-start; }
  .article-sidebar { grid-template-columns: 1fr; }
  .mobile-cta { position: fixed; z-index: 1200; left: 0; right: 0; bottom: 0; display: grid; grid-template-columns: .72fr 1.28fr; min-height: 64px; box-shadow: 0 -8px 25px rgba(0,0,0,.18); }
  .mobile-cta a { display: grid; place-items: center; color: #fff; background: var(--navy); text-decoration: none; font-weight: 850; }
  .mobile-cta a:last-child { background: var(--red-dark); }
}
@media (prefers-reduced-motion: reduce) {
  html { scroll-behavior: auto; }
  *, *::before, *::after { transition-duration: .001ms!important; animation-duration: .001ms!important; animation-iteration-count: 1!important; }
}
@media print {
  .utility-bar, .site-header, .mobile-cta, .cta-band, .contact-section, .site-footer, .hero-actions { display: none!important; }
  .hero, .page-hero { color: #000; background: #fff; }
  .hero::before, .hero::after, .page-hero::before, .page-hero::after { display: none; }
  .hero-copy h1, .page-hero h1 { color: #000; }
  .page-hero .lede, .hero-copy .lede { color: #333; }
  .section { padding-block: 30px; }
  .card, .case-card, .table-wrap { box-shadow: none; break-inside: avoid; }
}


/* Summer 2026 results enhancements */
.case-kicker { margin: 0 0 8px!important; color: var(--red-dark)!important; font-size: .71rem!important; font-weight: 900; letter-spacing: .11em; text-transform: uppercase; }
.case-comparison { display: flex; align-items: baseline; gap: 9px; margin: 2px 0 8px!important; color: var(--muted)!important; font-size: .9rem!important; }
.case-comparison s { opacity: .72; }
.case-comparison strong { color: var(--navy); font-size: 1.05rem; }
.proof-callout { display: flex; align-items: center; justify-content: space-between; gap: 36px; margin-top: 32px; padding: 30px 34px; border-left: 5px solid var(--red); border-radius: 16px; background: var(--blue-soft); }
.proof-callout h3 { margin: 0 0 8px; color: var(--navy); font-size: 1.55rem; line-height: 1.15; }
.proof-callout p { margin: 0; color: var(--muted); }
.proof-callout .eyebrow { margin-bottom: 6px; color: var(--red-dark); }
.proof-actions { flex: 0 0 min(330px, 100%); display: grid; gap: 14px; align-items: start; }
.proof-actions .text-link { color: var(--navy); }
.brochure-feature { display: grid; grid-template-columns: minmax(0,1fr) minmax(320px,.62fr); gap: 58px; align-items: center; }
.brochure-preview { display: block; overflow: hidden; border: 1px solid var(--line); border-radius: 18px; background: #fff; box-shadow: var(--shadow); transition: transform .18s ease, box-shadow .18s ease; }
.brochure-preview:hover { transform: translateY(-4px); box-shadow: 0 24px 70px rgba(9,34,54,.19); }
.brochure-preview img { width: 100%; height: auto; }
.proof-points { display: grid; grid-template-columns: repeat(3,1fr); gap: 12px; margin: 26px 0 30px; }
.proof-points > div { padding: 17px; border: 1px solid var(--line); border-radius: 13px; background: var(--soft); }
.proof-points strong, .proof-points span { display: block; }
.proof-points strong { color: var(--navy); font-size: 1.1rem; }
.proof-points span { margin-top: 4px; color: var(--muted); font-size: .78rem; line-height: 1.35; }
.dark-outline { border-color: var(--navy); color: var(--navy); }
.dark-outline:hover { color: var(--navy); background: rgba(12,42,67,.07); }
@media (max-width: 860px) {
  .proof-callout { align-items: flex-start; flex-direction: column; }
  .proof-actions { flex-basis: auto; width: 100%; }
  .brochure-feature { grid-template-columns: 1fr; }
  .brochure-preview { max-width: 620px; margin-inline: auto; }
}
@media (max-width: 620px) {
  .proof-callout { padding: 24px 22px; }
  .proof-points { grid-template-columns: 1fr; }
  .case-comparison { flex-wrap: wrap; }
}