:root{
  --bg:#fbfbfa; --ink:#111820; --body:#4a5560; --muted:#6b7480; --faint:#8a9199;
  --accent:#1b4b7a; --rule:#dedad3; --dark:#111820;
  --pad:clamp(20px,5vw,56px);
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Helvetica,Arial,sans-serif;font-size:16px;line-height:1.65;-webkit-font-smoothing:antialiased}
a{color:var(--accent)}
a:hover{color:var(--ink)}
h1,h2,h3{font-weight:700;letter-spacing:-0.02em;margin:0}
.wrap{max-width:1180px;margin:0 auto;padding-left:var(--pad);padding-right:var(--pad)}
.label{margin:0 0 clamp(28px,4vw,40px);font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--accent)}

.site-header{border-bottom:1px solid var(--rule);background:var(--bg);position:sticky;top:0;z-index:20}
.header-inner{display:flex;flex-wrap:wrap;gap:12px 28px;align-items:center;justify-content:space-between;padding-top:20px;padding-bottom:20px}
.brand{font-weight:700;font-size:19px;letter-spacing:-0.01em;text-decoration:none;color:var(--ink)}
.nav{display:flex;flex-wrap:wrap;gap:10px 30px;font-size:14px}
.nav a{color:var(--body);text-decoration:none}
.nav a:hover,.nav a[aria-current="page"]{color:var(--accent)}

.hero{padding-top:clamp(56px,9vw,88px);padding-bottom:clamp(48px,7vw,72px);border-bottom:1px solid var(--rule)}
.hero h1{max-width:16em;font-size:clamp(34px,5vw,52px);line-height:1.1;text-wrap:pretty}
.hero .lede{margin:28px 0 0;max-width:36em;font-size:clamp(17px,2vw,19px);line-height:1.6;color:var(--body);text-wrap:pretty}
.eyebrow{margin:0 0 24px;font-size:11px;letter-spacing:.22em;text-transform:uppercase;color:var(--accent)}

.stats{display:flex;flex-wrap:wrap;gap:clamp(28px,5vw,56px);margin-top:clamp(36px,5vw,56px);padding-top:28px;border-top:1px solid var(--rule)}
.stats p:first-child{margin:0;font-size:clamp(24px,3vw,30px);font-weight:700;letter-spacing:-0.02em}
.stats p:last-child{margin:6px 0 0;font-size:13px;color:var(--muted)}

.band{padding-top:clamp(48px,7vw,64px);padding-bottom:clamp(48px,7vw,64px);border-bottom:1px solid var(--rule)}
.cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(250px,1fr));gap:clamp(28px,4vw,40px)}
.col{border-top:2px solid var(--ink);padding-top:18px}
.col .num{margin:0 0 8px;font-size:12px;color:var(--accent);font-weight:700}
.col h3{margin:0 0 10px;font-size:20px}
.col p{margin:0;font-size:15px;line-height:1.7;color:var(--body)}

.split{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:clamp(28px,4vw,56px);align-items:start}
.split h2{font-size:clamp(26px,3.4vw,34px);line-height:1.15}
.prose{display:flex;flex-direction:column;gap:18px;max-width:38em}
.prose p{margin:0;font-size:17px;line-height:1.72;color:var(--body);text-wrap:pretty}
.prose h3{margin:8px 0 0;font-size:19px}
.prose ul{margin:0;padding-left:1.1em;color:var(--body);font-size:17px;line-height:1.72}
.prose li{margin:0 0 8px}

.factgrid{display:grid;grid-template-columns:repeat(auto-fit,minmax(190px,1fr));gap:clamp(24px,3vw,36px)}
.fact{border-top:1px solid var(--rule);padding-top:18px}
.fact p:first-child{margin:0 0 6px;font-size:clamp(22px,2.6vw,30px);font-weight:700;letter-spacing:-0.02em}
.fact p:last-child{margin:0;font-size:13px;color:var(--muted)}

.meta{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:26px;border-top:1px solid var(--rule);padding-top:22px}
.meta .k{margin:0 0 6px;font-size:11px;letter-spacing:.16em;text-transform:uppercase;color:var(--faint)}
.meta .v{margin:0;color:var(--body)}

.clauses{display:flex;flex-direction:column;gap:clamp(24px,3vw,32px);max-width:56em}
.clause{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:10px clamp(24px,4vw,48px);border-top:1px solid var(--rule);padding-top:20px}
.clause h2{font-size:19px}
.clause p{margin:0;font-size:16px;line-height:1.72;color:var(--body);text-wrap:pretty}

.site-footer{background:var(--dark);color:#c8ced4}
.footer-inner{display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:32px 48px;padding-top:clamp(40px,5vw,52px);padding-bottom:clamp(28px,4vw,36px)}
.footer-inner .brandline{margin:0 0 8px;color:#fff;font-weight:700;font-size:17px}
.footer-inner p{margin:0;font-size:14px;line-height:1.7}
.footer-links{display:flex;flex-direction:column;gap:9px;font-size:14px}
.footer-links a{color:#c8ced4;text-decoration:none}
.footer-links a:hover{color:#fff}
.footer-links .k{color:#7b848d;font-size:11px;letter-spacing:.16em;text-transform:uppercase;margin:0 0 4px}
.legal a{color:#c8ced4}
.legal a:hover{color:#fff}
.legal{border-top:1px solid #262d35;padding-top:20px;padding-bottom:clamp(28px,4vw,40px);font-size:13px;color:#7b848d;display:flex;flex-wrap:wrap;gap:8px 24px;justify-content:space-between}