@font-face{font-family:"DM Sans";src:url(/assets/fonts/dm-sans-latin-wght-normal.woff2) format("woff2");font-weight:100 1000;font-style:normal;font-display:swap;unicode-range:U+0000-00FF,U+0131,U+0152-0153,U+02BB-02BC,U+02C6,U+02DA,U+02DC,U+0304,U+0308,U+0329,U+2000-206F,U+20AC,U+2122,U+2191,U+2193,U+2212,U+2215,U+FEFF,U+FFFD}
@font-face{font-family:"DM Sans";src:url(/assets/fonts/dm-sans-latin-ext-wght-normal.woff2) format("woff2");font-weight:100 1000;font-style:normal;font-display:swap;unicode-range:U+0100-02BA,U+02BD-02C5,U+02C7-02CC,U+02CE-02D7,U+02DD-02FF,U+0304,U+0308,U+0329,U+1D00-1DBF,U+1E00-1E9F,U+1EF2-1EFF,U+2020,U+20A0-20AB,U+20AD-20C0,U+2113,U+2C60-2C7F,U+A720-A7FF}
/* Source Serif 4, static 500, subset to the site's glyphs (build note in README) */
@font-face{font-family:"Iterum Serif";src:url(/assets/fonts/serif-500-latin.woff2) format("woff2");font-weight:500;font-display:swap;unicode-range:U+0000-00FF,U+2000-206F,U+20AC}
@font-face{font-family:"Iterum Serif";src:url(/assets/fonts/serif-500-ext.woff2) format("woff2");font-weight:500;font-display:swap;unicode-range:U+0100-02FF}
/* metric-matched fallback so the swap does not move the headline */
@font-face{font-family:"Iterum Serif Fallback";src:local("Georgia");size-adjust:96%;ascent-override:92%;descent-override:30%;line-gap-override:0%}
:root{--deep:#13343b;--teal:#1d6f7a;--teal-2:#21808d;--brown:#5e5240;--cream:#faf8f3;--paper:#f1ede4;--line:#d9d4c8;--slate:#55606a;--mark:#3b5f6e;--body:#2c4950;
--sans:"DM Sans",ui-sans-serif,system-ui,-apple-system,"Segoe UI",Roboto,Arial,sans-serif;--serif:"Iterum Serif","Iterum Serif Fallback",Georgia,serif;
--wrap:1160px;--gut:clamp(16px,4vw,40px);--sec:clamp(64px,7vw,96px)}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth;scroll-padding-top:84px}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}
body{margin:0;background:var(--cream);color:var(--deep);font:400 17px/1.6 var(--sans)}
img{display:block;max-width:100%;height:auto}
picture{display:block}
a{color:var(--teal);text-decoration-thickness:1px;text-underline-offset:3px}
a:hover{color:var(--deep)}
:focus-visible{outline:3px solid var(--teal-2);outline-offset:3px;border-radius:2px}
h1,h2{font-family:var(--serif);font-weight:500;color:var(--deep);margin:0}
h3{font-family:var(--sans);font-size:17px;font-weight:650;line-height:1.35;margin:0}
h2{font-size:clamp(28px,3.1vw,38px);line-height:1.12;letter-spacing:-.01em;margin-bottom:24px}
p{margin:0 0 1em}
.wrap{max-width:var(--wrap);margin:0 auto;padding:0 var(--gut)}
.skip{position:absolute;left:-9999px;top:8px;background:var(--deep);color:#fff;padding:10px 14px;z-index:20}
.skip:focus{left:8px}
.mark{width:34px;height:auto;fill:none;stroke:var(--mark);stroke-width:9;stroke-linecap:round;stroke-linejoin:round}

/* header */
.top{position:sticky;top:0;z-index:10;background:rgba(250,248,243,.95);border-bottom:1px solid var(--line)}
.top-in{display:flex;align-items:center;justify-content:space-between;height:68px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--deep);font-weight:650;letter-spacing:.16em;text-transform:uppercase;font-size:14px;padding:8px 0}
.top nav ul{display:flex;gap:24px;list-style:none;margin:0;padding:0;align-items:center}
.top nav a{color:var(--deep);text-decoration:none;font-size:15px;padding:10px 0;display:inline-block}
.top nav a:hover{color:var(--teal);text-decoration:underline}
.top .nav-cta a{border:1px solid var(--deep);padding:8px 14px;border-radius:3px;font-weight:600}
.top .nav-cta a:hover{background:var(--deep);color:#fff;text-decoration:none}
.top .lang{font-size:13px;letter-spacing:.08em;color:var(--slate);padding:10px 4px}
@media (max-width:860px){.top nav li:not(.nav-cta):not(:last-child){display:none}.top nav ul{gap:14px}}
@media (max-width:420px){.top .nav-cta{display:none}}

/* hero */
.hero{padding:clamp(28px,4vw,56px) 0 var(--sec)}
.hero-in{display:grid;grid-template-columns:minmax(0,5fr) minmax(0,6fr);gap:clamp(28px,5vw,72px);align-items:center}
.eyebrow{font-size:13px;letter-spacing:.12em;text-transform:uppercase;color:var(--brown);margin-bottom:18px}
h1{font-size:clamp(36px,4.4vw,58px);line-height:1.06;letter-spacing:-.018em;margin-bottom:22px;text-wrap:balance}
.lede{font-size:clamp(17px,1.5vw,19px);line-height:1.6;color:var(--body);max-width:33em}
.actions{display:flex;flex-wrap:wrap;gap:12px 24px;align-items:center;margin:26px 0 0}
.btn{display:inline-block;background:var(--teal);color:#fff;text-decoration:none;font-weight:600;padding:14px 22px;border-radius:3px;line-height:1.2;border:1px solid var(--teal)}
.btn:hover{background:var(--deep);border-color:var(--deep);color:#fff}
.btn-outline{background:transparent;color:var(--deep);border-color:var(--deep)}
.btn-outline:hover{background:var(--deep);color:#fff}
.link{font-weight:600;color:var(--deep);padding:10px 0}
.note{font-size:15px;color:var(--slate)}
.intro{color:var(--body);max-width:24em;margin-top:-8px}
.later{font-size:15px}
.fit{margin:26px 0 0;font-size:15px;color:var(--deep);font-weight:500}
.proof{margin:10px 0 0;padding-top:12px;border-top:1px solid var(--line);font-size:14px;color:var(--slate)}
.hero-img{margin-right:calc(-1 * max(var(--gut), (100vw - var(--wrap)) / 2 + var(--gut)))}
.hero-img img{width:100%;aspect-ratio:4/3;object-fit:cover;object-position:50% 60%}
@media (max-width:960px){.hero-in{grid-template-columns:1fr}.hero-img{order:-1;margin:0 calc(-1 * var(--gut))}.hero-img img{aspect-ratio:3/2}}

/* sections */
.sec{padding:var(--sec) 0}
.tint{background:var(--paper)}
.split{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,7fr);gap:clamp(20px,5vw,72px);align-items:start}
.split>h2{position:sticky;top:96px}
@media (max-width:860px){.split{grid-template-columns:1fr}.split>h2{position:static}}
.points{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:0 clamp(24px,4vw,48px)}
.points li:last-child:nth-child(odd){grid-column:span 2}
.points li{padding:18px 0 16px;border-top:1px solid var(--line)}
.points p{color:var(--body);margin:6px 0 0}
@media (max-width:560px){.points{grid-template-columns:1fr}.points li:last-child:nth-child(odd){grid-column:auto}}
.steps{list-style:none;margin:0;padding:0;display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:clamp(20px,4vw,48px)}
.steps li{border-top:2px solid var(--deep);padding-top:18px}
.steps .n{display:block;font-family:var(--serif);font-weight:500;font-size:44px;line-height:1;color:var(--brown);margin-bottom:14px}
.steps p{color:var(--body);margin:8px 0 0}
@media (max-width:760px){.steps{grid-template-columns:1fr}}

.terms,.facts{margin:0}
.terms div,.facts div{display:grid;grid-template-columns:minmax(120px,32%) 1fr;gap:16px;padding:14px 0;border-top:1px solid var(--line)}
.terms dt,.facts dt{color:var(--slate);font-size:15px}
.terms dd,.facts dd{margin:0}
.risk dt{color:var(--deep);font-weight:650;font-size:16px}
.facts{margin-top:20px}
.facts dd{font-weight:500}
@media (max-width:560px){.terms div,.facts div{grid-template-columns:1fr;gap:2px}}

.case-in{display:grid;grid-template-columns:minmax(0,4fr) minmax(0,7fr);gap:clamp(28px,5vw,64px);align-items:start}
.case-text p{color:var(--body)}
.more{margin-top:18px}
.more a{font-weight:600}
.gallery{display:grid;grid-template-columns:1fr 1fr;gap:10px}
.gallery picture:first-child{grid-column:span 2}
.gallery img{width:100%;height:auto;aspect-ratio:3/2;object-fit:cover}
@media (max-width:960px){.case-in{grid-template-columns:1fr}}
@media (max-width:560px){.gallery{grid-template-columns:1fr 1fr}.gallery picture:first-child{grid-row:auto;grid-column:span 2}.gallery picture:first-child img{aspect-ratio:3/2}}

.fit-in{display:grid;grid-template-columns:minmax(0,7fr) minmax(0,4fr);gap:clamp(28px,6vw,88px);align-items:start}
.broker{background:var(--cream);padding:28px;border-top:3px solid var(--brown)}
.broker h2{font-size:26px;margin-bottom:12px}
.broker p{color:var(--body)}
@media (max-width:960px){.fit-in{grid-template-columns:1fr}}

.people{list-style:none;margin:0 0 20px;padding:0}
.people li{padding:14px 0;border-top:1px solid var(--line)}
.muted{color:var(--slate);font-size:15px}

.contact{background:var(--deep);color:#e9efee;padding:var(--sec) 0}
.contact-in{display:grid;grid-template-columns:minmax(0,6fr) minmax(0,5fr);gap:24px clamp(28px,5vw,72px);align-items:end}
.contact h2{color:#fff}
.contact p{max-width:36em;margin:0}
.contact .actions{margin:0;flex-direction:column;align-items:flex-start;gap:14px}
.btn-light{background:#fff;color:var(--deep);border-color:#fff}
.btn-light:hover{background:var(--cream);color:var(--deep);border-color:var(--cream)}
.contact-plain{color:#b9c8c9;font-size:15px}
.contact a:not(.btn){color:#fff}
.contact :focus-visible,.foot :focus-visible,.bar :focus-visible{outline-color:#fff}
@media (max-width:760px){.contact-in{grid-template-columns:1fr}}

/* footer */
.foot{background:#0e282e;color:#b9c8c9;font-size:14px;padding:40px 0 48px}
.foot a{color:#e9efee;display:inline-block;padding:3px 0}
.foot-in{display:grid;grid-template-columns:1.4fr 1fr 1.2fr;gap:28px;align-items:start}
.foot-brand{display:flex;gap:16px;align-items:flex-start}
.foot .mark{stroke:#8fb1b6;width:40px;flex:none;margin-top:4px}
.foot strong{color:#fff;font-weight:600}
.foot p{margin:0;line-height:1.7}
@media (max-width:760px){.foot-in{grid-template-columns:1fr}}

/* mobile contact bar */
.bar{display:none}
@media (max-width:760px){
body{padding-bottom:68px}
.bar{display:flex;position:fixed;left:0;right:0;bottom:0;z-index:15;background:var(--deep);padding:8px 8px calc(8px + env(safe-area-inset-bottom));gap:8px}
.bar a{flex:1;text-align:center;color:#fff;text-decoration:none;font-weight:600;padding:12px 8px;border:1px solid rgba(255,255,255,.3);border-radius:3px;min-height:44px}
.bar a:first-child{background:var(--teal);border-color:var(--teal)}}

/* 404 */
.nf{min-height:70vh;display:flex;align-items:center}

.narrow{max-width:720px}
.narrow h1{font-size:clamp(32px,4vw,44px);margin-bottom:24px}
.small{font-size:14px;margin-top:16px}
.foot-note a{white-space:nowrap}