:root{
  --lagoon:#005454; --teal:#008E8C; --aqua:#BFE3E4; --mist:#E7F1F4; --white:#fff;
  --ink:#0F3B3B; --body:#3F6666; --line:#CFE0E3; --deep:#003C3C;
  --r:10px; --rc:16px; --w:1160px; --g:clamp(20px,4vw,48px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:'Poppins',system-ui,sans-serif;color:var(--ink);background:#fff;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}
a{color:inherit;text-decoration:none}
a:hover{opacity:.85}
a:focus-visible,button:focus-visible,input:focus-visible,select:focus-visible,summary:focus-visible,textarea:focus-visible{outline:2px solid var(--teal);outline-offset:3px}
.wrap{max-width:var(--w);margin:0 auto;padding-inline:var(--g)}
.sec{padding-block:clamp(44px,6vw,72px)}
.alt{background:var(--mist)}
.dark{background:var(--lagoon);color:#fff}
.eyebrow{font-size:12px;letter-spacing:.16em;text-transform:uppercase;color:var(--teal);font-weight:500;margin:0 0 10px}
.dark .eyebrow{color:var(--aqua)}
h1,h2,h3{font-weight:500;letter-spacing:-.015em;color:var(--lagoon);margin:0;text-wrap:balance;line-height:1.15}
.dark h1,.dark h2,.dark h3{color:#fff}
h1{font-size:clamp(30px,4.2vw,52px);line-height:1.08}
h2{font-size:clamp(24px,2.8vw,34px)}
h3{font-size:19px}
p{margin:0 0 1em}
.muted{color:var(--body)}
.small{font-size:13px}
.btn{display:inline-block;background:var(--lagoon);color:#fff;font-weight:500;padding:13px 24px;border-radius:var(--r);border:0;cursor:pointer;font:inherit;font-weight:500}
.btn.ghost{background:transparent;color:var(--lagoon);border:1px solid var(--lagoon);padding:12px 22px}
.dark .btn{background:#fff;color:var(--lagoon)}
.dark .btn.ghost{background:transparent;color:#fff;border:1px solid #5A9A9A}
.row{display:flex;flex-wrap:wrap;gap:12px}
.grid{display:flex;flex-wrap:wrap;gap:16px}
.grid>*{flex:1 1 280px;min-width:0}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--rc);padding:26px}
.alt .card{background:#fff;border-color:transparent}
.chip{display:inline-block;font-size:12px;font-weight:500;color:var(--lagoon);background:var(--aqua);border-radius:6px;padding:3px 10px}

/* top bar + header */
.idbar{background:var(--deep);color:#9CBDBA;font-size:12px}
.idbar .wrap{display:flex;flex-wrap:wrap;gap:4px 20px;justify-content:space-between;padding-block:8px}
header.site{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:20}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px 24px;padding-block:12px;flex-wrap:wrap}
.logo img{height:26px;width:auto}
nav.main{display:flex;flex-wrap:wrap;align-items:center;gap:0 22px;font-size:14px;color:#2F5C5C}
nav.main a{padding-block:10px}
nav.main .btn{padding:10px 18px;color:#fff}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 12px;font:inherit;color:var(--lagoon)}
@media (max-width:860px){
  .menu-btn{display:block}
  nav.main{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:0;padding-bottom:10px}
  nav.main.open{display:flex}
  nav.main a{padding-block:12px;width:100%;border-top:1px solid var(--line)}
  nav.main .btn{width:auto;margin-top:8px;border-top:0}
}

/* hero */
.hero{display:flex;flex-wrap:wrap;gap:40px 56px;align-items:center}
.hero .copy{flex:1 1 380px;min-width:0}
.hero .copy p.lead{font-size:17px;color:var(--body);max-width:480px}
.circles{flex:1 1 340px;min-width:0;display:flex;justify-content:center}
.circles .pair{display:flex;align-items:flex-start}
.circ{display:flex;flex-direction:column;align-items:center;gap:10px;text-align:center}
.circ .ph{width:clamp(150px,20vw,232px);height:clamp(150px,20vw,232px);border-radius:50%;overflow:hidden;background:var(--aqua)}
.circ .ph img{width:100%;height:100%;object-fit:cover;object-position:50% 14%}
.circ.a .ph{border:2px solid var(--teal)}
.circ.b{margin-left:clamp(-56px,-5vw,-36px);margin-top:clamp(24px,4vw,44px)}
.circ b{font-weight:500;color:var(--lagoon);font-size:17px;display:block;line-height:1.3}
.circ span{font-size:12px;color:var(--body)}
.wave{padding-top:6px}
.wave svg{width:100%;height:64px}
.wave .cap{display:flex;justify-content:space-between;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:#5B8585}

/* stats */
.stats{display:flex;flex-wrap:wrap}
.stats div{flex:1 1 200px;padding:8px 24px;border-left:1px solid var(--line)}
.stats b{display:block;font-size:34px;font-weight:500;color:var(--lagoon);line-height:1.15}
.stats span{font-size:14px;color:var(--body)}

/* life line */
.life{display:flex;flex-wrap:wrap;gap:24px 0}
.life>div,.life>a{display:block;flex:1 1 170px;min-width:0;padding-right:20px}
.life .rail{position:relative;height:14px;border-top:1.5px solid var(--lagoon);margin-bottom:10px}
.life .rail i{position:absolute;top:-8px;left:0;width:14px;height:14px;border-radius:50%;background:var(--teal);border:2px solid var(--mist);box-sizing:content-box}
.life h3{font-size:18px;margin-bottom:6px}
.life p{font-size:14px;color:var(--body);margin-bottom:10px}

/* steps */
.steps{display:flex;flex-wrap:wrap;gap:20px;flex:2 1 480px}
.steps>div{flex:1 1 180px;min-width:0}
.steps .n{font-size:14px;color:var(--teal);font-weight:500}
.steps h3{margin:4px 0 6px;font-size:18px}
.steps p{font-size:14px;color:var(--body)}

/* people */
.person{display:flex;gap:20px;align-items:flex-start;border-top:1.5px solid var(--teal);padding-top:20px;flex:1 1 420px;min-width:0}
.person .ph{width:96px;height:96px;border-radius:50%;overflow:hidden;flex:none;background:var(--aqua)}
.person .ph img{width:100%;height:100%;object-fit:cover;object-position:50% 14%}
.person h3{font-size:21px}
.person .role{font-size:13px;color:var(--teal);font-weight:500;margin:2px 0 6px}
.person p{font-size:15px;color:var(--body);margin:0}

/* quotes */
.quote{display:flex;flex-direction:column;justify-content:space-between;gap:22px;background:#fff;border-radius:var(--rc);padding:26px}
.quote q{quotes:none;font-size:18px;line-height:1.5}
.quote small{font-size:14px;color:var(--body)}
.quote small b{font-weight:500;color:var(--ink)}

/* faq */
details.faq{border-top:1px solid var(--line);padding:16px 0}
details.faq summary{list-style:none;cursor:pointer;display:flex;justify-content:space-between;gap:16px;font-size:17px;font-weight:500}
details.faq summary::-webkit-details-marker{display:none}
details.faq summary i{font-style:normal;font-size:22px;line-height:1;color:var(--lagoon);transition:transform .2s}
details.faq[open] summary i{transform:rotate(45deg)}
details.faq div{color:var(--body);margin-top:8px;font-size:15px}

/* articles */
.art{display:flex;flex-direction:column;gap:8px;border-top:1px solid var(--line);padding-top:16px}
.art .t{font-size:19px;line-height:1.3;font-weight:500}
.prose{max-width:720px}
.prose h2{margin:1.6em 0 .5em;font-size:24px}
.prose h3{margin:1.4em 0 .4em}
.prose p,.prose li{color:#2F5C5C}
.prose ul{padding-left:1.2em}
.prose table{border-collapse:collapse;width:100%;font-size:14px;margin:1em 0}
.prose th,.prose td{border:1px solid var(--line);padding:8px 10px;text-align:left;vertical-align:top}
.prose th{background:var(--mist);font-weight:500}
.tablewrap{overflow-x:auto}
.crumbs{font-size:13px;color:var(--body);margin-bottom:16px}
.crumbs a{text-decoration:underline}
.draftbanner{background:#FFF4D6;border:1px solid #E5CE8A;color:#5A430A;border-radius:10px;padding:12px 16px;font-size:14px;margin-bottom:20px}

/* calculators */
.calc{display:flex;flex-wrap:wrap;gap:20px;align-items:stretch}
.calc .in{flex:1 1 400px;min-width:0;background:#fff;border:1px solid var(--line);border-radius:var(--rc);padding:clamp(20px,3vw,32px);display:flex;flex-direction:column;gap:22px}
.calc .out{flex:1 1 400px;min-width:0;background:var(--lagoon);color:#fff;border-radius:var(--rc);padding:clamp(20px,3vw,32px);display:flex;flex-direction:column;gap:22px}
.fld label{display:flex;justify-content:space-between;align-items:baseline;gap:12px;font-weight:500;font-size:15px;margin-bottom:8px}
.fld .num{width:150px;max-width:50%;text-align:right;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font:inherit;font-size:16px;color:var(--lagoon);font-weight:500;background:#fff}
.fld input[type=range]{width:100%;accent-color:var(--lagoon);height:28px;margin:0}
.fld .hint{font-size:12px;color:var(--body);margin-top:4px}
.presets{display:flex;flex-wrap:wrap;gap:8px;margin-top:8px}
.presets button{border:1px solid var(--line);background:#fff;border-radius:8px;padding:8px 14px;font:inherit;font-size:13px;cursor:pointer;color:var(--ink);min-height:40px}
.presets button.on{background:var(--lagoon);color:#fff;border-color:var(--lagoon)}
.out .lab{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--aqua)}
.out .big{font-size:clamp(36px,5vw,54px);font-weight:500;line-height:1.05;letter-spacing:-.02em}
.out .sub{font-size:14px;color:#C8DDDA}
.bar{display:flex;height:12px;border-radius:6px;overflow:hidden;background:#1E6E6E}
.bar i{display:block;height:100%}
.legend{display:flex;flex-wrap:wrap;justify-content:space-between;gap:6px 20px;font-size:13px;margin-top:8px;color:#DDEBEC}
.legend b{font-weight:500;color:#fff}
.cases{border-top:1px solid #1E6E6E;padding-top:18px;display:flex;flex-direction:column;gap:12px}
.case .top{display:flex;justify-content:space-between;font-size:14px;color:#DDEBEC}
.case .top b{font-weight:500;color:#fff}
.case .tr{height:6px;border-radius:6px;background:#1E6E6E;margin-top:6px}
.case .tr i{display:block;height:6px;border-radius:6px}
.talk{display:flex;flex-wrap:wrap;gap:16px;align-items:center;justify-content:space-between;background:var(--mist);border-radius:var(--rc);padding:22px 26px}
.tools{display:flex;flex-wrap:wrap;gap:8px}
.tools a{border:1px solid var(--line);border-radius:8px;padding:8px 14px;font-size:14px;background:#fff}
.tools a.on{background:var(--lagoon);color:#fff;border-color:var(--lagoon)}
.cardlink{display:flex;flex-direction:column;gap:6px;border:1px solid var(--line);border-radius:var(--rc);padding:20px;background:#fff;flex:1 1 260px;min-width:0}
.cardlink h3{font-size:18px}
.cardlink p{font-size:14px;color:var(--body);margin:0}

/* forms */
form.lead{display:flex;flex-direction:column;gap:20px;background:#fff;border:1px solid var(--line);border-radius:var(--rc);padding:clamp(20px,3vw,36px)}
form.lead label.t{font-weight:500;font-size:15px;display:block;margin-bottom:6px}
form.lead input[type=text],form.lead input[type=tel],form.lead select{width:100%;border:1px solid #C5D3CF;border-radius:var(--r);padding:13px 14px;font:inherit;font-size:16px;background:#fff;color:var(--ink);min-height:48px}
form.lead .two{display:flex;flex-wrap:wrap;gap:20px}
form.lead .two>div{flex:1 1 200px;min-width:0}
.topics{display:flex;flex-wrap:wrap;gap:8px}
.topics label{cursor:pointer}
.topics input{position:absolute;opacity:0}
.topics span{display:inline-block;border:1px solid #C5D3CF;border-radius:var(--r);padding:11px 14px;font-size:14px;min-height:44px}
.topics input:checked+span{background:var(--lagoon);color:#fff;border-color:var(--lagoon)}
.topics input:focus-visible+span{outline:2px solid var(--teal);outline-offset:2px}
.consent{display:flex;gap:12px;align-items:flex-start;font-size:14px;color:var(--body)}
.consent input{width:20px;height:20px;margin-top:3px;accent-color:var(--lagoon);flex:none}
.err{color:#9B2C2C;font-size:13px;margin-top:4px;display:none}
.ok{background:var(--mist);border-radius:var(--rc);padding:24px;display:none}
.hp{position:absolute;left:-9999px}

/* footer */
footer.site{background:var(--deep);color:#9CBDBA;font-size:13px;line-height:1.75}
footer.site .wrap{padding-block:clamp(32px,4vw,48px);display:flex;flex-direction:column;gap:24px}
footer.site .cols{display:flex;flex-wrap:wrap;gap:24px 48px;justify-content:space-between}
footer.site .cols>div{flex:1 1 220px;min-width:0}
footer.site h4{color:#fff;font-weight:500;margin:0 0 6px;font-size:14px}
footer.site a:hover{color:#fff;opacity:1}
footer.site .legal{border-top:1px solid #1E5A5A;padding-top:18px}
footer.site .logo img{height:28px}

@media print{header.site,.idbar,footer.site,.talk{display:none}}