:root {
  --navy: #12315c;
  --navy-deep: #0a1c38;
  --navy-mid: #1a3f73;
  --teal: #0e8f97;
  --teal-bright: #19b3bb;
  --teal-soft: #dff4f4;
  --ink: #1a1a16;
  --text: #3a3d38;
  --muted: #6b6f68;
  --line: #d7d2c6;
  --bg: #efe8da;
  --paper: #f7f1e6;
  --white: #fffdf8;
  --shadow: none;
  --radius: 2px;
  --max: 1180px;
}
* { box-sizing: border-box; margin: 0; padding: 0; }
html { scroll-behavior: smooth; }
body {
  font-family: "IBM Plex Sans", "Helvetica Neue", Arial, sans-serif;
  color: var(--text);
  background-color: var(--paper);
  line-height: 1.65;
  font-size: 16px;
}
img { max-width: 100%; display: block; }
a { color: var(--navy); text-decoration: none; }
a:hover { color: var(--teal); }
.container { width: min(var(--max), calc(100% - 48px)); margin: 0 auto; }

.topbar {
  background: var(--navy-deep); color: #cbd5e1;
  font-size: 12px; letter-spacing: 0.03em; padding: 8px 0;
}
.topbar .container { display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }
.topbar strong { color: #fff; font-weight: 600; }

.header {
  position: sticky; top: 0; z-index: 50;
  background: var(--white);
  border-bottom: 1px solid var(--line);
}
.nav { display: flex; align-items: center; justify-content: space-between; min-height: 64px; gap: 20px; }
.logo { background: transparent; padding: 0; display: inline-flex; }
.logo img { height: 28px; width: auto; }
.nav-links { display: flex; align-items: center; gap: 2px; list-style: none; }
.nav-links a {
  display: block; padding: 9px 12px; color: var(--ink);
  font-size: 14px; font-weight: 500; border-bottom: 2px solid transparent;
}
.nav-links a:hover, .nav-links a.active { color: var(--navy); border-bottom-color: var(--teal); }
.nav-actions { display: flex; align-items: center; gap: 8px; }
.menu-toggle { display: none; background: none; border: 1px solid var(--navy); width: 40px; height: 40px; border-radius: 2px; cursor: pointer; }
.menu-toggle span { display: block; height: 2px; background: var(--navy); margin: 6px 9px; }

.btn {
  display: inline-flex; align-items: center; justify-content: center; gap: 8px;
  padding: 12px 18px; border-radius: 2px; font-weight: 600; font-size: 13px;
  letter-spacing: 0.04em; text-transform: uppercase;
  border: 1px solid transparent; cursor: pointer; transition: .16s ease;
}
.btn-primary { background: var(--navy); color: #fff; border-color: var(--navy); }
.btn-primary:hover { background: var(--navy-mid); color: #fff; }
.btn-teal { background: var(--teal); color: #062026; }
.btn-ghost { background: transparent; color: var(--navy); border-color: var(--line); }
.btn-ghost:hover { border-color: var(--navy); color: var(--navy); }
.btn-light { background: #fff; color: var(--navy); }
.btn-light:hover { background: var(--teal-soft); color: var(--navy); }

.hero {
  position: relative; overflow: hidden;
  background: transparent;
  padding: 48px 0 32px;
}
.hero-grid { display: grid; grid-template-columns: 1.05fr 0.95fr; gap: 36px; align-items: start; }
.eyebrow {
  display: inline-flex; align-items: center; gap: 10px;
  color: var(--teal); font-size: 12px; font-weight: 700; letter-spacing: 0.14em;
  text-transform: uppercase; margin-bottom: 16px;
}
.eyebrow i { width: 22px; height: 2px; background: var(--teal); display: inline-block; }
h1 {
  font-family: "Fraunces", "Times New Roman", serif;
  font-size: clamp(38px, 5vw, 60px); line-height: 1.08;
  color: var(--navy-deep); font-weight: 500; letter-spacing: -0.03em;
  margin-bottom: 18px;
}
.lead { font-size: 18px; color: var(--text); max-width: 540px; margin-bottom: 28px; }
.hero-cta { display: flex; gap: 10px; flex-wrap: wrap; margin-bottom: 28px; }
.trust-row {
  display: flex;
  flex-wrap: wrap;
  justify-content: center;
  gap: 8px 10px;
  width: min(100%, 34rem);
  color: var(--muted);
  font-size: 12.5px;
  letter-spacing: 0.04em;
  text-transform: uppercase;
}
.trust-row span { display: flex; align-items: center; gap: 8px; }
.dot { width: 7px; height: 7px; border-radius: 50%; background: var(--teal); display: inline-block; }

.panel { background: var(--white); border: 1px solid var(--line); border-radius: 2px; padding: 22px; }
.panel h3 { font-family: "IBM Plex Sans", "Helvetica Neue", Arial, sans-serif; color: var(--navy-deep); font-size: 18px; font-weight: 600; margin-bottom: 16px; }
.stat-list { list-style: none; display: grid; gap: 14px; }
.stat-list li { display: grid; grid-template-columns: 40px 1fr; gap: 12px; align-items: start; padding-bottom: 14px; border-bottom: 1px solid var(--line); }
.stat-list li:last-child { border-bottom: 0; padding-bottom: 0; }
.icon-box {
  width: 40px; height: 40px; border-radius: 2px;
  background: var(--teal-soft); color: var(--navy);
  border: 1px solid #b7d9d9;
  display: flex; align-items: center; justify-content: center;
}
.icon-box svg { width: 18px; height: 18px; display: block; fill: none; stroke: currentColor; stroke-width: 1.8; stroke-linecap: round; stroke-linejoin: round; }
.stat-list strong { display: block; color: var(--ink); font-size: 14.5px; }
.stat-list p { font-size: 13.5px; color: var(--muted); }
.network-list li { grid-template-columns: 64px 1fr; align-items: center; gap: 16px; }
.network-logo { width: 64px; height: 64px; object-fit: contain; object-position: center; display: block; }

section { padding: 56px 0; }
.section-head { max-width: 720px; margin-bottom: 24px; }
.section-head h2, .legal h1, .page-hero h1 {
  font-family: "IBM Plex Sans", "Helvetica Neue", Arial, sans-serif;
  color: var(--navy-deep); letter-spacing: -0.03em; font-weight: 600;
}
.section-head h2 { font-size: clamp(30px, 3.4vw, 44px); line-height: 1.15; margin: 10px 0 14px; }
.kicker { color: var(--teal); font-size: 12px; font-weight: 700; letter-spacing: 0.14em; text-transform: uppercase; }

.cards { display: grid; grid-template-columns: repeat(3, 1fr); gap: 18px; }
.card { background: var(--white); border: 1px solid var(--line); border-radius: 0; padding: 26px 24px; }
.card:first-child, .card:not(:first-child), .card:last-child { padding-left: 24px; border-right: 1px solid var(--line); }
.card:hover { border-color: #b9e3e6; }
.card h3 { font-family: "IBM Plex Sans", "Helvetica Neue", Arial, sans-serif; color: var(--navy-deep); font-size: 18px; font-weight: 600; margin: 10px 0 10px; }
.card p { color: var(--text); font-size: 15px; }
.card a.more { display: inline-block; margin-top: 16px; font-weight: 600; font-size: 13px; color: var(--navy); }
.num { color: var(--teal); display: block; font-family: "Fraunces", Georgia, serif; font-size: 13px; font-weight: 600; letter-spacing: 0.12em; }

.split { display: grid; grid-template-columns: 1fr 1fr; gap: 56px; align-items: center; }
.muted-box { background: var(--white); border-radius: 2px; padding: 32px; border: 1px dashed var(--navy); }
.muted-box h3 { color: var(--navy-deep); }
.checklist { list-style: none; display: grid; gap: 12px; }
.checklist li { padding-left: 18px; position: relative; }
.checklist li::before { content: ""; position: absolute; left: 0; top: 10px; width: 8px; height: 2px; background: var(--teal); }
.steps { list-style: none; display: grid; gap: 22px; counter-reset: step; }
.steps li { position: relative; padding-left: 52px; color: var(--text); }
.steps li::before { counter-increment: step; content: counter(step, decimal-leading-zero); position: absolute; left: 0; top: 1px; color: var(--navy); font-family: "Fraunces", Georgia, serif; font-size: 20px; font-weight: 600; }

.band { background: var(--navy-deep); color: #dbe4ef; }
.band h2, .band h3 { color: #fff; font-family: "IBM Plex Sans", Arial, sans-serif; font-weight: 600; }
.band .lead, .band p { color: #c5d0de; }
.band-inner { display: grid; grid-template-columns: 1.4fr auto; gap: 24px; align-items: center; }

.page-hero { background: var(--bg); padding: 56px 0 20px; }
.page-hero p { max-width: 640px; margin-top: 12px; }
.prose { max-width: 820px; }
.prose h2, .prose h3 { color: var(--navy-deep); margin: 28px 0 10px; font-family: "IBM Plex Sans", Arial, sans-serif; font-weight: 600; }
.prose p, .prose li { margin-bottom: 12px; }
.prose ul, .prose ol { padding-left: 20px; margin-bottom: 16px; }
.legal { padding: 48px 0 88px; }
.legal h1 { font-size: 40px; margin-bottom: 8px; }

.form { display: grid; gap: 14px; }
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 14px; }
label { font-size: 12px; font-weight: 600; letter-spacing: 0.06em; text-transform: uppercase; color: var(--ink); display: block; margin-bottom: 6px; }
input, select, textarea { width: 100%; border: 1px solid var(--navy); border-radius: 2px; padding: 12px 14px; font: inherit; background: var(--white); color: var(--ink); }
textarea { min-height: 140px; resize: vertical; }
input:focus, select:focus, textarea:focus { outline: 2px solid rgba(26,168,179,.28); border-color: var(--teal); }

footer { background: var(--navy-deep); color: #9fb0c5; padding: 56px 0 24px; }
.footer-grid { display: grid; grid-template-columns: 1.4fr 1fr 1fr 1fr; gap: 32px; margin-bottom: 36px; }
.footer-brand p { margin-top: 14px; font-size: 14px; max-width: 320px; }
footer h4 { color: #fff; font-size: 12px; letter-spacing: 0.08em; text-transform: uppercase; margin-bottom: 14px; }
footer a { color: #c5d4e4; font-size: 14px; display: block; padding: 4px 0; }
footer a:hover { color: var(--teal-bright); }
.footer-bottom { border-top: 1px solid rgba(255,255,255,0.08); padding-top: 18px; font-size: 12.5px; display: flex; justify-content: space-between; gap: 16px; flex-wrap: wrap; }

.photo { width: 100%; height: 100%; object-fit: cover; display: block; }
.photo-frame { border-radius: 0; overflow: hidden; border: 1px solid var(--line); background: #0b1b33; }
.photo-frame.tall { min-height: 420px; }
.photo-frame.mid { min-height: 280px; }
.hero-photo-wrap {
  position: relative;
  display: flex;
  flex-direction: column;
  border-radius: 0;
  overflow: hidden;
  min-height: 0;
  background: var(--navy-deep);
  border: 1px solid var(--line);
}
.hero-photo-wrap > img {
  position: static;
  width: 100%;
  height: 280px;
  object-fit: cover;
  object-position: center;
}
.hero-photo-wrap .panel {
  position: static;
  left: auto; right: auto; bottom: auto;
  background: #fff;
  box-shadow: none;
  border: 0;
  border-radius: 0;
}
.page-hero.photo { position: relative; color: #fff; padding: 96px 0 76px; background-size: cover; background-position: center; }
.page-hero.photo::before { content: ""; position: absolute; inset: 0; background: linear-gradient(90deg, rgba(6,26,54,0.82) 0%, rgba(6,26,54,0.5) 60%, rgba(6,26,54,0.2) 100%); }
.page-hero.photo .container { position: relative; }
.page-hero.photo h1 { color: #fff; }
.page-hero.photo p { color: #dbe4ef; }
.page-hero.photo .kicker { color: var(--teal-bright); }
.photo-strip { display: grid; grid-template-columns: 1.2fr 0.8fr; gap: 16px; }
.legal-banner { height: 160px; background-size: cover; background-position: center; position: relative; }
.legal-banner::after { content: ""; position: absolute; inset: 0; background: linear-gradient(180deg, rgba(6,26,54,0.2), rgba(6,26,54,0.55)); }
.footer-logo-chip { display: inline-flex; background: #fff; border-radius: 2px; padding: 8px 10px; }
.footer-logo-chip img { height: 26px; width: auto; }

@media (max-width: 960px) {
  .hero-grid, .split, .band-inner, .footer-grid, .cards { grid-template-columns: 1fr; }
  .card, .card:not(:first-child) { padding: 24px; }
  .nav-links, .nav-actions { display: none; }
  .header.open .nav-links, .header.open .nav-actions {
    display: flex; flex-direction: column; align-items: stretch;
    position: absolute; left: 0; right: 0; top: 76px;
    background: #fff; border-bottom: 1px solid var(--line); padding: 12px 24px 20px;
  }
  .header.open .nav-links a { border-bottom: 0; }
  .menu-toggle { display: inline-block; }
  .form-row { grid-template-columns: 1fr; }
  section { padding: 56px 0; }
  .hero-photo-wrap > img { height: 220px; }
  .photo-strip { grid-template-columns: 1fr; }
}

body.home .hero { padding: 36px 0 20px; }
body.home .hero-grid { align-items: start; gap: 28px; }
body.home .hero-photo-wrap > img { height: 210px; }
body.home section { padding: 40px 0; }
body.home .section-head { margin-bottom: 18px; }
body.home .photo-strip { margin-top: 18px; }
body.home .photo-frame.mid { min-height: 170px; }
body.home .lead { margin-bottom: 18px; }
body.home .hero-cta { margin-bottom: 16px; }
body.home .stat-list { gap: 10px; }
body.home .stat-list li { padding-bottom: 10px; }

img.network-logo,
.hero-photo-wrap img.network-logo,
.network-list img {
  width: 48px !important;
  height: 48px !important;
  max-width: 48px !important;
  max-height: 48px !important;
  object-fit: contain !important;
  object-position: center !important;
}
.network-list {
  gap: 0 !important;
}
.network-list li {
  grid-template-columns: 52px 1fr !important;
  align-items: center !important;
  padding-top: 10px !important;
  padding-bottom: 10px !important;
  min-height: 0 !important;
}
.hero-photo-wrap .panel { padding-top: 16px; }
.hero-photo-wrap .panel h3 { margin-bottom: 8px; }

body.home .hero-photo-wrap { min-height: 520px; height: 100%; }
body.home .hero-photo-wrap > img { height: 100%; min-height: 520px; }
body.home .hero-grid { align-items: stretch; }

.hero-photo-wrap:not(:has(.panel)) { min-height: 520px; height: 100%; }
.hero-photo-wrap:not(:has(.panel)) > img { height: 100%; min-height: 520px; object-fit: cover; }

.footer-reg {
  font-size: 11px;
  line-height: 1.5;
  color: #7f93a8;
  margin: 0 0 16px;
  max-width: 960px;
}

.cards { gap: 0; border: 1px solid var(--line); }
.card { border: 0; border-right: 1px solid var(--line); }
.card:last-child { border-right: 0; }
.trust-row span {
  border: 1px solid var(--navy);
  padding: 4px 10px;
  background: var(--white);
  letter-spacing: 0.08em;
}
.topbar { border-bottom: 0; }
@media (max-width: 960px) {
  .card { border-right: 0; border-bottom: 1px solid var(--navy-deep); }
  .card:last-child { border-bottom: 0; }
}

.corridor {
  background: var(--navy-deep);
  color: #d5deea;
  border-bottom: 0;
  font-size: 11px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
}
.corridor-track {
  display: flex; align-items: center; flex-wrap: wrap; gap: 10px 14px;
  min-height: 42px;
}
.corridor span { color: var(--teal-bright); font-weight: 700; }
.corridor b {
  color: #fff;
  border: 1px solid rgba(255,255,255,.28);
  padding: 2px 7px;
  font-weight: 600;
}
.corridor em { font-style: normal; color: #c5d0de; }
.corridor i { width: 1px; height: 12px; background: rgba(255,255,255,.25); display: inline-block; }
.ticket {
  position: absolute; left: 0; bottom: 0;
  background: var(--teal);
  color: #062026;
  font-size: 11px; font-weight: 700;
  letter-spacing: 0.12em; text-transform: uppercase;
  padding: 8px 12px;
}
.photo-frame { position: relative; }
.photo-frame figcaption {
  position: absolute; left: 0; bottom: 0;
  background: var(--navy-deep); color: #fff;
  font-size: 11px; letter-spacing: 0.12em; text-transform: uppercase;
  padding: 7px 10px;
}
.section-head { position: relative; padding-top: 8px; }
.section-head .kicker { position: relative; z-index: 1; }
h1 { font-optical-sizing: auto; }
.nav-links a.active { background: var(--teal-soft); border-bottom-color: var(--navy-deep); }

.legal-note {
  background:var(--white); border:1px dashed var(--navy);
  padding:12px 16px; margin:0 0 24px; font-size:14px;
}
@media (max-width:960px) {
  .header.open .langs { display:flex; padding:8px 24px 0; }
}

.lang-dd { margin-right: 10px; }
.lang-dd select {
  appearance: none;
  background: var(--white);
  border: 1px solid var(--navy-deep);
  border-radius: 2px;
  color: var(--navy-deep);
  font: 700 11px/1 "IBM Plex Sans", sans-serif;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  padding: 8px 28px 8px 10px;
  background-image: linear-gradient(45deg, transparent 50%, var(--navy-deep) 50%), linear-gradient(135deg, var(--navy-deep) 50%, transparent 50%);
  background-position: calc(100% - 14px) 50%, calc(100% - 9px) 50%;
  background-size: 5px 5px, 5px 5px;
  background-repeat: no-repeat;
  cursor: pointer;
  min-width: 108px;
}
.lang-dd select:focus { outline: 2px solid rgba(14,143,151,.35); }
@media (max-width:960px) {
  .header.open .lang-dd { display:block; padding:8px 24px 0; }
}

.lang-dd {
  position: relative;
  margin-right: 10px;
  width: 10.2rem;
}
.lang-dd summary {
  list-style: none;
  cursor: pointer;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 2px;
  border: 1px solid var(--navy-deep);
  background: var(--white);
  padding: 4px 8px 5px;
  line-height: 1;
  width: 10.2rem;
}
.lang-dd summary::-webkit-details-marker { display: none; }
.lang-caption {
  font-size: 9px;
  font-weight: 700;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
}
.lang-flag { font-size: 20px; line-height: 1.15; display: block; white-space: nowrap; letter-spacing: 0.06em; font-weight: 700; }
.lang-menu {
  position: absolute;
  right: 0;
  top: calc(100% + 4px);
  z-index: 80;
  background: var(--white);
  border: 1px solid var(--navy-deep);
  width: max-content;
  min-width: 10.2rem; width: 10.2rem;
  box-shadow: 4px 4px 0 rgba(18,49,92,0.12);
}
.lang-menu a {
  display: flex;
  align-items: center;
  justify-content: flex-start;
  white-space: nowrap;
  font-size: 20px;
  line-height: 1.2;
  letter-spacing: 0.06em;
  font-weight: 700;
  padding: 8px 10px;
  border-bottom: 1px solid var(--line);
}
.lang-menu a:last-child { border-bottom: 0; }
.lang-menu a.on { background: var(--teal-soft); }
.lang-menu a:hover { background: var(--bg); }
@media (max-width:960px) {
  .header.open .lang-dd { display: block; margin: 8px 24px; }
}

.apm-panel { margin-top: 22px; }
.apm-panel p { margin-bottom: 14px; max-width: 720px; }
.ccy-list { display: flex; flex-wrap: wrap; gap: 8px; }
.ccy-list b {
  font-weight: 600;
  font-size: 12px;
  letter-spacing: 0.06em;
  border: 1px solid var(--navy);
  background: var(--white);
  padding: 5px 9px;
}

.lang-code {
  font-size: 10px;
  font-weight: 600;
  letter-spacing: 0.08em;
  text-transform: uppercase;
  color: var(--navy);
  margin-left: 5px;
  vertical-align: middle;
}
.lang-flag { font-weight: 400; }
.lang-menu a { font-weight: 400; }

.trust-row.regions {
  display: flex;
  flex-direction: column;
  align-items: flex-start;
  gap: 8px;
  width: auto;
  max-width: 100%;
  margin: 0 0 22px;
}
.trust-row.regions .trust-line {
  display: flex;
  justify-content: flex-start;
  flex-wrap: nowrap;
  gap: 8px 10px;
}
.trust-row.regions .trust-line span {
  flex: 0 0 auto;
  justify-content: center;
  white-space: nowrap;
}
.hero-cta { margin-bottom: 18px; }
.hero-grid .panel { margin-top: 0; }

.faq details { border-bottom: 1px solid var(--line); padding: 16px 0; }
.faq summary {
  cursor: pointer;
  font-weight: 600;
  color: var(--navy-deep);
  list-style: none;
  padding-right: 28px;
  position: relative;
}
.faq summary::-webkit-details-marker { display: none; }
.faq summary::after { content: "+"; position: absolute; right: 0; top: 0; color: var(--teal); font-weight: 500; }
.faq details[open] summary::after { content: "–"; }
.faq details p { margin-top: 10px; max-width: 68ch; }

.bx-assist { position: fixed; right: 18px; bottom: 18px; z-index: 80; font-family: "IBM Plex Sans", sans-serif; }
.bx-assist-toggle {
  background: var(--navy-deep); color: #fff; border: 0; border-radius: 2px;
  padding: 10px 14px; font-size: 12px; font-weight: 700; letter-spacing: 0.06em;
  text-transform: uppercase; cursor: pointer;
}
.bx-assist-panel[hidden] { display: none !important; }
.bx-assist-panel {
  position: absolute; right: 0; bottom: 46px; width: min(360px, calc(100vw - 32px));
  background: var(--white); border: 1px solid var(--navy-deep); display: flex; flex-direction: column;
  max-height: min(480px, 70vh);
}
.bx-assist-head { padding: 10px 12px; border-bottom: 1px solid var(--line); position: relative; }
.bx-assist-head strong { display: block; color: var(--navy-deep); font-size: 13px; }
.bx-assist-head span { font-size: 11px; color: var(--muted); }
.bx-assist-close { position: absolute; right: 8px; top: 8px; border: 0; background: none; font-size: 18px; cursor: pointer; color: var(--navy); }
.bx-assist-log { padding: 12px; overflow: auto; display: flex; flex-direction: column; gap: 8px; flex: 1; }
.bx-msg { font-size: 13px; line-height: 1.45; padding: 8px 10px; max-width: 92%; }
.bx-msg.bot { background: var(--bg); color: var(--ink); }
.bx-msg.user { background: var(--navy-deep); color: #fff; align-self: flex-end; }
.bx-assist-form { display: flex; gap: 0; border-top: 1px solid var(--line); }
.bx-assist-form input { flex: 1; border: 0; padding: 10px 12px; font: inherit; font-size: 13px; }
.bx-assist-form button { border: 0; background: var(--navy); color: #fff; padding: 0 14px; font-size: 12px; font-weight: 700; letter-spacing: 0.06em; text-transform: uppercase; cursor: pointer; }

.sitemap-grid { display: grid; grid-template-columns: repeat(4, 1fr); gap: 28px 32px; max-width: 960px; }
.sitemap-grid h2 { font-size: 13px; letter-spacing: 0.08em; text-transform: uppercase; color: var(--navy); margin-bottom: 12px; }
.sitemap-grid ul { list-style: none; }
.sitemap-grid li { margin: 0 0 8px; }
.sitemap-grid a { color: var(--navy-deep); }
@media (max-width: 800px) { .sitemap-grid { grid-template-columns: 1fr 1fr; } }