:root{
  --navy:#062d61;
  --navy-2:#031f45;
  --yellow:#fdbb00;
  --yellow-2:#ffd55a;
  --ink:#0a2448;
  --muted:#67758a;
  --light:#f4f6f9;
  --white:#fff;
  --line:#dfe4eb;
  --sans:"Inter",Arial,sans-serif;
  --display:"Montserrat",Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;font-family:var(--sans);color:var(--ink);background:#fff;line-height:1.6}
a{text-decoration:none;color:inherit}
.site-header{position:sticky;top:0;z-index:20;height:88px;background:#fff;display:flex;align-items:center;justify-content:space-between;padding:0 4vw;border-bottom:1px solid var(--line);box-shadow:0 5px 20px rgba(6,45,97,.05)}
.brand img{height:68px;width:auto;display:block}
.main-nav{display:flex;align-items:center;gap:22px;font-size:.76rem;font-weight:700;color:var(--navy)}
.main-nav a:hover{color:#d89a00}
.nav-cta{background:var(--yellow);padding:11px 16px;border-radius:999px;color:var(--navy)!important}
.menu-toggle{display:none}
.hero-home{min-height:650px;position:relative;display:flex;align-items:center;padding:90px 6vw;color:#fff;overflow:hidden;background:
linear-gradient(90deg,rgba(3,31,69,.96) 0%,rgba(3,31,69,.82) 45%,rgba(3,31,69,.30) 100%),
url('https://images.unsplash.com/photo-1521737711867-e3b97375f902?auto=format&fit=crop&w=1800&q=80') center/cover}
.hero-content{max-width:720px;position:relative;z-index:2}
.kicker,.eyebrow,.breadcrumb{font-size:.66rem;letter-spacing:.18em;font-weight:800;color:var(--yellow)}
.hero-home h1{font-family:var(--display);font-size:clamp(3.2rem,5.8vw,6.3rem);line-height:.96;margin:20px 0 25px;letter-spacing:-.04em}
.hero-home h1 em{display:block;color:var(--yellow);font-style:normal}
.hero-home p{font-size:1.05rem;max-width:620px;color:#e3ebf5}
.hero-actions{display:flex;gap:14px;margin-top:32px;flex-wrap:wrap}
.btn{display:inline-flex;align-items:center;justify-content:center;padding:13px 20px;border-radius:6px;font-weight:800;font-size:.78rem;border:1px solid transparent;cursor:pointer}
.btn-yellow{background:var(--yellow);color:var(--navy)}
.btn-navy{background:var(--navy);color:#fff}
.btn-outline{border-color:#fff;color:#fff}
.btn-small{border-color:var(--navy);color:var(--navy);padding:10px 16px}
.icon-strip{margin:-45px 4vw 70px;position:relative;z-index:3;background:var(--navy-2);color:#fff;border-radius:16px;display:grid;grid-template-columns:repeat(4,1fr);padding:28px}
.icon-strip article{text-align:center;padding:15px 25px;border-right:1px solid rgba(255,255,255,.12)}
.icon-strip article:last-child{border-right:0}
.round-icon{width:62px;height:62px;margin:auto;border:2px solid #fff;border-radius:50%;display:grid;place-items:center;background:#fff;font-size:1.5rem}
.icon-strip h3{font-size:.9rem;margin:15px 0 8px}.icon-strip p{font-size:.72rem;color:#d6deeb}
.split-card{margin:0 4vw 65px;background:var(--light);border-radius:20px;overflow:hidden;display:grid;grid-template-columns:1fr 1fr;min-height:390px}
.photo-panel{background-size:cover;background-position:center}
.photo-panel.family{background-image:url('https://images.unsplash.com/photo-1609220136736-443140cffec6?auto=format&fit=crop&w=1000&q=80')}
.split-copy{padding:55px}
.split-copy h2{font-family:var(--display);font-size:2.5rem;line-height:1.08;color:var(--navy);margin:12px 0 24px}
.check-list{list-style:none;padding:0}.check-list li{margin:11px 0;padding-left:26px;position:relative}.check-list li:before{content:"✓";position:absolute;left:0;color:#e5a500;font-weight:900}
.stats-bar{margin:0 4vw 70px;background:var(--yellow);display:grid;grid-template-columns:repeat(4,1fr);padding:30px;border-radius:15px}
.stats-bar div{text-align:center}.stats-bar strong{display:block;font-family:var(--display);font-size:1.25rem;color:var(--navy)}.stats-bar span{font-size:.72rem}
.page-hero{display:grid;grid-template-columns:1fr 1fr;min-height:300px;background:var(--navy);color:#fff;overflow:hidden}
.page-hero>div:first-child{padding:65px 5vw;display:flex;flex-direction:column;justify-content:center}
.page-hero h1{font-family:var(--display);font-size:3.2rem;margin:10px 0 0}
.page-hero-image{background-size:cover;background-position:center;border-bottom-left-radius:90px}
.teamwork{background-image:url('https://images.unsplash.com/photo-1556761175-b413da4baf72?auto=format&fit=crop&w=1000&q=80')}
.business{background-image:url('https://images.unsplash.com/photo-1551836022-d5d88e9218df?auto=format&fit=crop&w=1000&q=80')}
.couple{background-image:url('https://images.unsplash.com/photo-1551836022-4c4c79ecde51?auto=format&fit=crop&w=1000&q=80')}
.finance{background-image:url('https://images.unsplash.com/photo-1554224155-6726b3ff858f?auto=format&fit=crop&w=1000&q=80')}
.legal{background-image:url('https://images.unsplash.com/photo-1450101499163-c8848c66ca85?auto=format&fit=crop&w=1000&q=80')}
.contactimg{background-image:url('https://images.unsplash.com/photo-1517245386807-bb43f82c33c4?auto=format&fit=crop&w=1000&q=80')}
.content-two{display:grid;grid-template-columns:1.2fr .8fr;gap:55px;padding:70px 5vw}.content-two h2,.member-layout h2,.legal-info h2,.contact-copy h2{font-family:var(--display);color:var(--navy);font-size:1.6rem}
.values-card{background:var(--navy);color:#fff;padding:30px;border-radius:12px}.values-card h3{font-family:var(--display);font-size:1.5rem}.values-card div{padding:16px 0;border-top:1px solid rgba(255,255,255,.14)}.values-card span{display:block;font-size:.76rem;color:#d6deeb}
.cta-band{margin:0 5vw 70px;background:var(--yellow);border-radius:12px;padding:26px 30px;display:flex;justify-content:space-between;align-items:center;gap:25px}.cta-band h2{margin:0;font-family:var(--display);color:var(--navy)}.cta-band p{margin:4px 0 0}
.page-intro{padding:45px 5vw;text-align:center;font-size:1.05rem;color:var(--muted)}
.product-grid{padding:0 5vw 60px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}
.product-card{border:1px solid var(--line);border-radius:14px;padding:30px;text-align:center;box-shadow:0 10px 30px rgba(6,45,97,.05)}.product-icon{font-size:2.2rem}.product-card h3{color:var(--navy);font-family:var(--display)}.product-card p{font-size:.85rem;color:var(--muted);min-height:80px}
.benefits{margin:0 5vw 70px;background:var(--light);padding:30px;border-radius:14px;text-align:center}.benefits h2{font-family:var(--display);color:var(--navy)}.benefit-row{display:grid;grid-template-columns:repeat(4,1fr);gap:20px}.benefit-row div{font-size:1.7rem}.benefit-row span{display:block;font-size:.75rem;color:var(--navy);font-weight:700}
.member-layout{display:grid;grid-template-columns:1.1fr .9fr;gap:60px;padding:70px 5vw}.check-list.large li{padding:11px 0 11px 30px;border-bottom:1px solid var(--line)}
.steps-card{background:var(--navy);color:#fff;border-radius:14px;padding:30px}.steps-card h3{font-family:var(--display)}.steps-card ol{list-style:none;padding:0}.steps-card li{display:flex;align-items:center;gap:14px;margin:17px 0}.steps-card li span{width:32px;height:32px;border-radius:50%;background:var(--yellow);color:var(--navy);display:grid;place-items:center;font-weight:800}
.article-grid{padding:0 5vw 70px;display:grid;grid-template-columns:repeat(3,1fr);gap:22px}.article-grid article{border:1px solid var(--line);border-radius:13px;overflow:hidden;background:#fff}.article-grid h3,.article-grid p,.article-grid a{margin-left:20px;margin-right:20px}.article-grid h3{font-family:var(--display);color:var(--navy)}.article-grid p{font-size:.84rem;color:var(--muted)}.article-grid a{display:inline-block;margin-bottom:22px;color:var(--navy);font-weight:800;font-size:.75rem}.article-img{height:190px;background-size:cover;background-position:center}.budget{background-image:url('https://images.unsplash.com/photo-1554224154-26032fced8bd?auto=format&fit=crop&w=900&q=80')}.saving{background-image:url('https://images.unsplash.com/photo-1579621970563-ebec7560ff3e?auto=format&fit=crop&w=900&q=80')}.credit{background-image:url('https://images.unsplash.com/photo-1554224155-8d04cb21cd6c?auto=format&fit=crop&w=900&q=80')}
.legal-page-grid{padding:70px 5vw 30px;display:grid;grid-template-columns:1fr 1fr;gap:25px}.legal-info{background:var(--light);padding:30px;border-radius:14px}.legal-info dl{margin:0}.legal-info dl div{display:grid;grid-template-columns:170px 1fr;padding:12px 0;border-top:1px solid var(--line);gap:15px}.legal-info dt{font-size:.72rem;color:var(--muted);font-weight:700}.legal-info dd{margin:0;font-size:.8rem}.legal-info a{color:var(--navy);font-weight:700}
.documents-grid{padding:0 5vw 70px;display:grid;grid-template-columns:repeat(4,1fr);gap:16px}.documents-grid a{border:1px solid var(--line);border-radius:12px;padding:25px;text-align:center;font-size:1.8rem}.documents-grid span{display:block;font-size:.75rem;color:var(--navy);font-weight:800;margin-top:9px}
.contact-layout{display:grid;grid-template-columns:.8fr 1.2fr;gap:55px;padding:70px 5vw}.contact-data{margin-top:30px}.contact-form{display:flex;flex-direction:column;gap:18px;background:var(--light);padding:30px;border-radius:14px}.form-row{display:grid;grid-template-columns:1fr 1fr;gap:15px}.contact-form label{font-size:.7rem;font-weight:700;color:var(--navy)}.contact-form input,.contact-form select,.contact-form textarea{width:100%;padding:12px;border:1px solid var(--line);border-radius:7px;margin-top:6px;font:inherit;background:#fff}.success{display:none;color:var(--navy);font-weight:700}.contact-form.sent .success{display:block}
.footer{background:var(--navy-2);color:#fff;padding:45px 5vw 20px}.footer-grid{display:grid;grid-template-columns:1.4fr .7fr .7fr;gap:50px}.footer-logo{width:230px;background:#fff;border-radius:8px}.footer h4{color:var(--yellow);margin-top:0}.footer a{display:block;color:#d5deec;font-size:.72rem;margin:8px 0}.footer p{font-size:.75rem;color:#d5deec;max-width:430px}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:35px;padding-top:18px;display:flex;justify-content:space-between;gap:20px;font-size:.58rem;color:#aebbd0}
@media(max-width:1000px){
  .main-nav{display:none;position:absolute;top:88px;left:0;right:0;background:#fff;padding:25px;flex-direction:column;align-items:flex-start}.main-nav.open{display:flex}.menu-toggle{display:grid;gap:6px;background:none;border:0}.menu-toggle span{width:25px;height:2px;background:var(--navy);display:block}
  .icon-strip,.stats-bar,.principles,.benefit-row{grid-template-columns:repeat(2,1fr)}
  .split-card,.page-hero,.content-two,.member-layout,.legal-page-grid,.contact-layout{grid-template-columns:1fr}
  .page-hero-image{min-height:230px;border-radius:0}.product-grid,.article-grid{grid-template-columns:1fr}.documents-grid{grid-template-columns:repeat(2,1fr)}
}
@media(max-width:650px){
  .site-header{height:74px;padding:0 18px}.brand img{height:58px}.main-nav{top:74px}
  .hero-home{padding:90px 22px 55px;min-height:620px}.hero-home h1{font-size:3rem}
  .icon-strip,.stats-bar,.benefit-row,.documents-grid{grid-template-columns:1fr}.icon-strip{margin-top:0;border-radius:0}.icon-strip article{border-right:0;border-bottom:1px solid rgba(255,255,255,.12)}
  .split-card{margin-left:20px;margin-right:20px}.photo-panel{min-height:260px}.split-copy{padding:30px}
  .page-hero h1{font-size:2.4rem}.page-hero>div:first-child{padding:45px 22px}
  .form-row{grid-template-columns:1fr}.footer-grid{grid-template-columns:1fr}.footer-bottom{flex-direction:column}
}