:root{--navy:#204574;--blue:#204574;--orange:#F26522;--ink:#204574;--muted:#204574;--line:#F3F5F8;--soft:#FFFFFF;--white:#FFFFFF;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Inter,Arial,sans-serif;color:var(--ink);line-height:1.65;background:#FFFFFF}a{color:var(--blue);text-decoration:none}a:hover{text-decoration:underline}.wrap{width:min(var(--max),calc(100% - 40px));margin:auto}.topbar{background:var(--navy);color:#FFFFFF;font-size:14px}.topbar .wrap{display:flex;gap:18px;justify-content:space-between;align-items:center;padding:9px 0;flex-wrap:wrap}.topbar a{color:#FFFFFF}.header{border-bottom:1px solid var(--line);background:#FFFFFF;position:relative;z-index:5}.navwrap{display:flex;align-items:center;justify-content:space-between;gap:22px;min-height:82px}.brand{display:flex;align-items:center;gap:12px;color:var(--navy);font-weight:800;max-width:250px}.brand img{width:58px;height:58px;object-fit:contain}.brand span{line-height:1.2}.nav{display:flex;align-items:center;gap:19px;flex-wrap:wrap}.nav a{font-size:14px;font-weight:650;color:var(--navy)}.nav .nav-cta,.btn{display:inline-flex;align-items:center;justify-content:center;background:var(--orange);color:#FFFFFF;padding:12px 18px;border-radius:8px;font-weight:750;border:0}.nav .nav-cta:hover,.btn:hover{background:#F26522;text-decoration:none}.hero{background:linear-gradient(120deg,#F3F5F8 0%,#FFFFFF 65%);padding:76px 0 68px}.hero-grid{display:grid;grid-template-columns:1.25fr .75fr;gap:48px;align-items:center}.eyebrow{font-size:12px;letter-spacing:.14em;text-transform:uppercase;color:var(--blue);font-weight:800}.hero h1{font-size:clamp(36px,5vw,58px);line-height:1.08;letter-spacing:-.035em;color:var(--navy);margin:14px 0 20px;max-width:780px}.hero p{font-size:18px;color:#204574;max-width:690px}.actions{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.btn.secondary{background:#FFFFFF;color:var(--navy);border:1px solid #204574}.hero-panel{border:1px solid #F3F5F8;background:#FFFFFF;border-radius:18px;padding:26px;box-shadow:0 18px 45px #20457412}.hero-panel h2{color:var(--navy);font-size:20px;margin:0 0 10px}.hero-panel ul{padding-left:20px;margin-bottom:0}.section{padding:62px 0}.section.soft{background:var(--soft)}.section h2{font-size:clamp(27px,3vw,38px);line-height:1.2;letter-spacing:-.025em;color:var(--navy);margin:0 0 14px}.section-intro{max-width:760px;color:var(--muted);font-size:17px;margin:0 0 30px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px}.grid.two{grid-template-columns:repeat(2,1fr)}.card{padding:23px;background:#FFFFFF;border:1px solid var(--line);border-radius:14px}.card h3{color:var(--navy);font-size:19px;margin:0 0 8px}.card p{color:var(--muted);margin:0 0 14px}.card a{font-weight:750}.number{display:inline-flex;width:34px;height:34px;border-radius:10px;background:#F3F5F8;color:var(--blue);align-items:center;justify-content:center;font-weight:800;margin-bottom:14px}.split{display:grid;grid-template-columns:1fr 1fr;gap:38px;align-items:start}.list-clean{padding-left:20px;color:var(--muted)}.list-clean li{margin:8px 0}.partner-list{display:flex;gap:12px;flex-wrap:wrap}.partner{padding:11px 15px;border:1px solid var(--line);border-radius:9px;background:#FFFFFF;color:var(--navy);font-weight:700}.cta-band{background:var(--navy);color:#FFFFFF;border-radius:18px;padding:32px;display:flex;justify-content:space-between;gap:25px;align-items:center}.cta-band h2{color:#FFFFFF;margin-bottom:8px}.cta-band p{color:#F3F5F8;margin:0}.cta-band .btn{white-space:nowrap}.footer{background:#204574;color:#F3F5F8;padding:42px 0 22px}.footer-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}.footer h2,.footer h3{color:#FFFFFF;margin-top:0}.footer a{color:#F3F5F8}.footer ul{list-style:none;padding:0;margin:0}.footer li{margin:8px 0}.footer-bottom{border-top:1px solid #204574;margin-top:28px;padding-top:18px;font-size:13px;display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap}.small{font-size:13px;color:var(--muted)}.page-hero{padding:58px 0;background:var(--soft);border-bottom:1px solid var(--line)}.page-hero h1{font-size:clamp(34px,4vw,48px);line-height:1.12;color:var(--navy);margin:12px 0}.page-hero p{font-size:18px;max-width:800px;color:var(--muted)}.value{border-left:3px solid var(--orange);padding:4px 0 4px 16px}.value h3{margin:0 0 4px;color:var(--navy)}.value p{margin:0;color:var(--muted)}:focus-visible{outline:3px solid #F26522;outline-offset:3px}
@media(max-width:900px){.hero-grid,.split{grid-template-columns:1fr}.grid{grid-template-columns:repeat(2,1fr)}.navwrap{align-items:flex-start;padding:12px 0;flex-direction:column}.nav{gap:12px}.hero{padding:54px 0}.footer-grid{grid-template-columns:1fr 1fr}}
@media(max-width:600px){.wrap{width:min(100% - 28px,var(--max))}.topbar .wrap{align-items:flex-start;flex-direction:column;gap:3px}.grid,.grid.two,.footer-grid{grid-template-columns:1fr}.section{padding:45px 0}.hero-panel{padding:20px}.cta-band{align-items:flex-start;flex-direction:column;padding:24px}.brand img{width:48px;height:48px}}

/* v5: shared header, dropdown navigation and footer */
.site-header{position:sticky;top:0;z-index:50;background:#FFFFFF}
.site-header .topbar{font-size:14px}
.site-header .topbar a{color:#FFFFFF;text-decoration:underline}
.nav{gap:18px}
.nav-dd{position:relative}
.nav-dd summary{list-style:none;cursor:pointer;font-size:14px;font-weight:650;color:var(--navy);white-space:nowrap}
.nav-dd summary::-webkit-details-marker{display:none}
.nav-dd summary::after{content:" \25BE";font-size:11px;color:var(--muted)}
.nav-dd[open] .nav-menu{display:flex}
.nav-menu{position:absolute;top:calc(100% + 14px);left:-12px;min-width:260px;background:#FFFFFF;border:1px solid var(--line);border-radius:12px;box-shadow:0 16px 40px #20457424;padding:10px;display:flex;flex-direction:column;gap:2px;z-index:60}
.nav-menu a{padding:8px 10px;border-radius:8px;font-size:14px;color:var(--ink);white-space:normal}
.nav-menu a:hover{background:var(--soft);text-decoration:none}
.nav a.active,.nav summary.active{color:var(--orange)}
.nav .nav-cta{color:#FFFFFF}
.footer .footer-grid{grid-template-columns:1.2fr 1fr 1fr}
.footer a{color:#F3F5F8;text-decoration:none}
.footer a:hover{color:#FFFFFF;text-decoration:underline}
@media(max-width:900px){.nav-menu{position:static;box-shadow:none;border:0;padding:4px 0 4px 12px;min-width:0}.footer .footer-grid{grid-template-columns:1fr}}

/* v6 footer and header rules */
.footer{background:#204574;color:#F3F5F8}
.footer h3{color:#FFFFFF;font-size:18px;margin:0 0 10px}
.footer .footer-grid{grid-template-columns:1.2fr 1fr;gap:36px}
.footer p{margin:0 0 12px}
.footer a{color:#F3F5F8}
.footer .fbtn{display:inline-block;background:var(--orange);color:#FFFFFF;padding:7px 14px;border-radius:8px;margin:2px 4px 2px 0;text-decoration:none;font-weight:650;font-size:14px}
.footer .fcontact li{margin:0 0 10px}
.footer-bottom span{display:block}
@media(max-width:900px){.footer .footer-grid{grid-template-columns:1fr}}
/* v6 header overrides: keeps the shared header identical on every page */
.site-header{position:relative!important;top:auto!important;z-index:50!important;background:#FFFFFF!important;height:auto!important;overflow:visible!important}
.site-header .topbar{display:block!important;position:static!important}
.site-header .header{position:static!important;height:auto!important;box-shadow:none!important;backdrop-filter:none!important}
.site-header .navwrap{display:flex!important;align-items:center!important;justify-content:space-between!important;flex-direction:row!important;position:static!important;padding:12px 0!important;min-height:0!important;gap:18px!important}
.site-header .brand{display:flex!important;align-items:center!important;gap:10px!important;max-width:280px!important;position:static!important}
.site-header .brand img{width:52px!important;height:52px!important;object-fit:contain!important}
.site-header .brand span{display:block!important;font-size:16px!important;line-height:1.2!important;color:var(--navy)!important}
.site-header .brand small{display:block!important;font-size:11px!important;font-weight:600!important;color:#204574!important;margin-top:3px!important}
.site-header .nav{position:static!important;display:flex!important;flex-wrap:wrap!important;align-items:center!important;gap:14px!important;background:none!important;box-shadow:none!important;border:0!important;padding:0!important;max-width:none!important;width:auto!important}
.site-header .nav>a,.site-header .nav-dd summary{font-size:14px!important;font-weight:650!important;color:var(--navy)!important;text-decoration:none!important}
.site-header .nav-menu{position:absolute!important;top:calc(100% + 14px)!important;left:-12px!important;display:none!important;background:#FFFFFF!important;border:1px solid var(--line)!important;border-radius:12px!important;box-shadow:0 16px 40px #20457424!important;padding:10px!important;min-width:260px!important;flex-direction:column!important;gap:2px!important;z-index:60!important}
.site-header .nav-dd[open] .nav-menu{display:flex!important}
.site-header .nav-dd{position:relative!important}
.site-header .nav-cta{background:var(--orange)!important;color:#FFFFFF!important;padding:10px 16px!important;border-radius:8px!important}
@media(max-width:900px){.site-header .navwrap{flex-direction:column!important;align-items:flex-start!important}.site-header .nav{gap:10px!important}.site-header .nav-menu{position:static!important;box-shadow:none!important;border:0!important;padding:4px 0 4px 12px!important;min-width:0!important}}
.site-header .nav{text-align:left!important}
.site-header .nav>a,.site-header .nav-dd{display:inline-block!important}
.site-header .nav-dd summary{display:inline-block!important}



/* ARFET homepage refresh — service-led layout */
:root{--arfet-navy:#204574;--arfet-blue:#204574;--arfet-orange:#F26522;--arfet-soft:#FFFFFF}
.home-hero{position:relative;overflow:hidden;background:radial-gradient(circle at 88% 12%,rgba(248, 80, 0, .15),transparent 28%),linear-gradient(125deg,#F3F5F8 0%,#FFFFFF 58%,#FFFFFF 100%);padding:78px 0 76px}
.home-hero .hero-grid{grid-template-columns:1.08fr .92fr;gap:54px}
.home-hero .hero-copy{position:relative;z-index:1}
.home-hero .hero h1,.home-hero h1{max-width:760px}
.home-hero h1 em{font-style:normal;color:var(--arfet-orange)}
.home-hero .actions .btn:first-child{background:var(--arfet-navy);color:#FFFFFF}
.home-hero .actions .btn:first-child:hover{background:#204574}
.hero-trust{display:grid;gap:7px;margin-top:24px;color:#204574;font-size:13px;font-weight:600}
.hero-trust span:before{content:"✓";display:inline-grid;place-items:center;width:19px;height:19px;border-radius:50%;background:#F3F5F8;color:#204574;font-weight:800;margin-right:8px}
.hero-visual{position:relative;min-width:0}
.hero-photo{display:block;width:100%;height:420px;object-fit:cover;border-radius:24px;box-shadow:0 22px 55px rgba(0, 56, 136, .17);background:#F3F5F8}
.hero-callout{display:flex;align-items:center;gap:13px;position:relative;margin:-36px 22px 0;background:#FFFFFF;padding:18px 20px;border:1px solid #F3F5F8;border-radius:15px;box-shadow:0 15px 38px rgba(0, 56, 136, .12)}
.callout-mark{display:grid;place-items:center;flex:0 0 43px;height:43px;border-radius:12px;background:#F3F5F8;color:#F26522;font-size:22px;font-weight:900}
.hero-callout strong,.hero-callout small{display:block}
.hero-callout strong{color:var(--navy);font-size:15px}
.hero-callout small{color:var(--muted);font-size:12px;margin-top:3px}
.section-heading{max-width:790px;margin-bottom:32px}
.section-heading .section-intro{margin-bottom:0}
.service-overview{padding-top:76px;padding-bottom:78px}
.division-grid{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:19px;align-items:stretch}
.division-card{display:flex;flex-direction:column;min-width:0;background:#FFFFFF;border:1px solid var(--line);border-radius:18px;padding:25px;box-shadow:0 8px 26px rgba(0, 56, 136, .045);transition:transform .2s,box-shadow .2s,border-color .2s}
.division-card:hover{transform:translateY(-4px);box-shadow:0 18px 38px rgba(0, 56, 136, .1);border-color:#204574}
.division-card.featured{border-top:4px solid var(--orange);padding-top:22px}
.division-top{display:flex;justify-content:space-between;align-items:center;margin-bottom:19px}
.division-number{display:inline-grid;place-items:center;background:#F3F5F8;color:var(--blue);width:42px;height:42px;border-radius:12px;font-weight:850;font-size:13px}
.division-icon{display:grid;place-items:center;width:42px;height:42px;border-radius:12px;background:#F3F5F8;color:#F26522;font-size:27px;font-weight:700}
.division-card h3{font-size:21px;line-height:1.25;letter-spacing:-.025em;color:var(--navy);margin:0 0 11px}
.division-card>p{font-size:14px;line-height:1.7;color:var(--muted);margin:0 0 15px}
.division-card ul{list-style:none;padding:0;margin:0 0 22px;flex:1}
.division-card li{position:relative;padding:8px 0 8px 23px;border-bottom:1px solid #F3F5F8;color:#204574;font-size:13px;line-height:1.45}
.division-card li:last-child{border-bottom:0}
.division-card li:before{content:"✓";position:absolute;left:0;top:8px;color:var(--orange);font-weight:900}
.text-link{display:flex;justify-content:space-between;align-items:center;gap:10px;margin-top:auto;padding-top:15px;border-top:1px solid var(--line);color:var(--blue);font-size:13px;font-weight:800}
.text-link:hover{color:#F26522;text-decoration:none}
.audience-layout,.why-layout{display:grid;grid-template-columns:.78fr 1.22fr;gap:55px;align-items:start}
.audience-layout>div:first-child .section-intro,.why-layout>div:first-child .section-intro{margin-bottom:22px}
.audience-grid{display:grid;grid-template-columns:repeat(2,minmax(0,1fr));gap:14px}
.audience-card{background:#FFFFFF;border:1px solid var(--line);border-radius:15px;padding:21px}
.audience-card>span{display:inline-block;color:var(--orange);font-size:12px;font-weight:900;margin-bottom:12px}
.audience-card h3{font-size:16px;line-height:1.35;color:var(--navy);margin:0 0 7px}
.audience-card p{font-size:13px;color:var(--muted);margin:0}
.process-grid{display:grid;grid-template-columns:repeat(4,minmax(0,1fr));gap:14px}
.process-grid article{padding:22px 19px;border:1px solid var(--line);border-radius:15px;background:#FFFFFF}
.process-grid article>span{display:grid;place-items:center;width:35px;height:35px;border-radius:10px;background:#F3F5F8;color:#F26522;font-size:12px;font-weight:900;margin-bottom:15px}
.process-grid h3{font-size:16px;line-height:1.35;color:var(--navy);margin:0 0 8px}
.process-grid p{font-size:13px;color:var(--muted);margin:0}
.why-list{display:grid;gap:13px}
.why-list>div{display:flex;gap:13px;align-items:flex-start;padding:17px 18px;background:#FFFFFF;border:1px solid var(--line);border-radius:13px}
.why-list>div>span{display:grid;place-items:center;flex:0 0 27px;height:27px;border-radius:50%;background:#F3F5F8;color:#204574;font-weight:900}
.why-list p{margin:0;color:var(--muted);font-size:14px}
.why-list strong{color:var(--navy)}
.cta-band .cta-eyebrow{color:#F26522;margin-bottom:8px}
.disclaimer-note{font-size:12px;line-height:1.6;color:var(--muted);margin-top:15px;max-width:980px}
.nav-cta{white-space:nowrap}
@media(max-width:1000px){
 .home-hero .hero-grid{grid-template-columns:1fr 0.85fr;gap:28px}
 .division-grid{grid-template-columns:1fr 1fr}
 .division-card:last-child{grid-column:1/-1}
 .audience-layout,.why-layout{grid-template-columns:1fr;gap:25px}
 .process-grid{grid-template-columns:repeat(2,minmax(0,1fr))}
 .nav{gap:12px}
}
@media(max-width:760px){
 .home-hero .hero-grid{grid-template-columns:1fr}
 .hero-photo{height:300px}
 .hero-visual{margin-top:8px}
 .division-grid{grid-template-columns:1fr}
 .division-card:last-child{grid-column:auto}
 .audience-grid{grid-template-columns:1fr 1fr}
 .navwrap{gap:12px}
 .nav{width:100%;align-items:flex-start}
 .nav-menu{position:static;box-shadow:none;margin-top:8px;min-width:0}
}
@media(max-width:520px){
 .home-hero{padding:48px 0 45px}
 .home-hero h1{font-size:clamp(34px,10vw,46px)}
 .home-hero p{font-size:16px}
 .hero-photo{height:235px;border-radius:17px}
 .hero-callout{margin:-25px 10px 0;padding:14px}
 .audience-grid,.process-grid{grid-template-columns:1fr}
 .division-card{padding:21px}
 .section-heading{margin-bottom:24px}
}