*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:'Inter','Segoe UI',system-ui,sans-serif;color:#0B1E4C;background:#fff;line-height:1.6;-webkit-font-smoothing:antialiased}
img{max-width:100%;display:block;height:auto}
a{color:inherit;text-decoration:none}
.container{max-width:1240px;margin:0 auto;padding:0 24px}
h1,h2,h3,h4{font-family:'Inter',sans-serif;line-height:1.15;letter-spacing:-.01em;font-weight:700;color:#0B1E4C}
h1{font-size:clamp(2.4rem,5.5vw,4.6rem);font-weight:800;letter-spacing:-.03em}
h2{font-size:clamp(1.8rem,3.8vw,3rem);font-weight:800;letter-spacing:-.02em}
h3{font-size:1.35rem;font-weight:700}
p{color:#334155}

/* HEADER */
.top{background:#00338D;color:#fff;font-size:.82rem;padding:8px 0}
.top .container{display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap}
.top a{color:#fff;opacity:.9}
header.nav{background:#fff;border-bottom:1px solid #E5E7EB;position:sticky;top:0;z-index:50}
.nav-wrap{display:flex;align-items:center;justify-content:space-between;padding:16px 0}
.brand{display:flex;align-items:center;gap:10px;font-weight:800;font-size:1.15rem;color:#00338D}
.brand-mark{width:36px;height:36px;background:#00338D;color:#fff;border-radius:6px;display:grid;place-items:center;font-weight:800;font-size:1rem}
nav ul{display:flex;gap:28px;list-style:none;align-items:center}
nav a{font-weight:500;font-size:.95rem;color:#0B1E4C;padding:6px 0;border-bottom:2px solid transparent;transition:.2s}
nav a:hover,nav a.active{color:#00338D;border-color:#00338D}
.btn{display:inline-flex;align-items:center;gap:8px;padding:14px 26px;font-weight:600;border-radius:2px;transition:.2s;cursor:pointer;border:0;font-size:.95rem}
.btn-primary{background:#00338D;color:#fff}
.btn-primary:hover{background:#0B1E4C}
.btn-ghost{background:transparent;color:#fff;border:2px solid #fff}
.btn-ghost:hover{background:#fff;color:#00338D}
.btn-dark{background:#0B1E4C;color:#fff}
.burger{display:none;background:none;border:0;font-size:1.6rem;color:#00338D;cursor:pointer}
@media (max-width:900px){
  nav ul{display:none;position:absolute;top:100%;left:0;right:0;background:#fff;flex-direction:column;padding:20px;gap:12px;border-top:1px solid #eee;box-shadow:0 20px 40px rgba(0,0,0,.08)}
  nav ul.open{display:flex}
  .burger{display:block}
}

/* HERO - KPMG solid blue */
.hero{background:#00338D;color:#fff;padding:80px 0 100px;position:relative;overflow:hidden}
.hero .container{position:relative;z-index:2}
.hero .eyebrow{text-transform:uppercase;letter-spacing:.15em;font-size:.85rem;font-weight:600;opacity:.85;margin-bottom:20px}
.hero h1{color:#fff;max-width:900px;margin-bottom:24px}
.hero .lead{font-size:1.2rem;max-width:720px;opacity:.92;margin-bottom:36px}
.hero-thumbs{display:flex;gap:14px;margin-top:48px;flex-wrap:wrap}
.hero-thumbs img{width:130px;height:90px;object-fit:cover;border-radius:2px}
.hero-cta{display:flex;gap:14px;flex-wrap:wrap}

/* PAGE HEADER (inner) */
.page-hero{background:#00338D;color:#fff;padding:70px 0 90px}
.page-hero h1{color:#fff}
.crumbs{font-size:.85rem;opacity:.85;margin-bottom:18px;text-transform:uppercase;letter-spacing:.12em}
.crumbs a{opacity:.85}

/* SECTIONS */
section{padding:80px 0}
.section-title{margin-bottom:12px}
.section-lead{color:#475569;font-size:1.1rem;max-width:720px;margin-bottom:48px}

/* Author / feature strip */
.author-strip{display:grid;grid-template-columns:220px 1fr;gap:40px;align-items:center;padding:56px 0;border-bottom:1px solid #E5E7EB}
.author-strip img{width:220px;height:220px;object-fit:cover;border-radius:2px}
.author-strip h3{font-size:1.6rem;margin-bottom:8px}
.author-strip .role{color:#00338D;font-weight:600;margin-bottom:14px;text-transform:uppercase;letter-spacing:.1em;font-size:.85rem}
@media(max-width:700px){.author-strip{grid-template-columns:1fr}.author-strip img{width:100%;max-width:280px}}

/* 3-card grid with art */
.cards-3{display:grid;grid-template-columns:repeat(3,1fr);gap:24px}
.card-art{background:#fff;border:1px solid #E5E7EB;overflow:hidden;display:flex;flex-direction:column;transition:.25s}
.card-art:hover{transform:translateY(-4px);box-shadow:0 24px 60px rgba(0,51,141,.12)}
.card-art .art{aspect-ratio:16/10;overflow:hidden}
.card-art .art img{width:100%;height:100%;object-fit:cover;transition:.5s}
.card-art:hover .art img{transform:scale(1.05)}
.card-art .body{padding:28px}
.card-art h3{margin-bottom:12px}
.card-art .link{color:#00338D;font-weight:600;display:inline-flex;align-items:center;gap:8px;margin-top:14px;font-size:.95rem}
.card-art .link::after{content:"→";transition:.2s}
.card-art:hover .link::after{transform:translateX(4px)}
@media(max-width:900px){.cards-3{grid-template-columns:1fr}}

/* BIG blue band - MAKE YOUR MOVE */
.band{background:#00338D;color:#fff;padding:110px 0;position:relative;overflow:hidden}
.band h2{color:#fff;font-size:clamp(2.6rem,7vw,6rem);font-weight:900;letter-spacing:-.03em;line-height:.95;text-transform:uppercase}
.band h2 span{display:block;color:#C8A14D}
.band p{color:#fff;opacity:.9;font-size:1.15rem;max-width:640px;margin:28px 0 36px}

/* Service grid 4x3 blue cards */
.svc-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:2px;background:#0B1E4C}
.svc-cell{background:#00338D;color:#fff;padding:36px 28px;min-height:220px;display:flex;flex-direction:column;justify-content:space-between;transition:.25s;cursor:pointer}
.svc-cell:hover{background:#0B1E4C}
.svc-cell h3{color:#fff;font-size:1.15rem;line-height:1.25;margin-bottom:14px}
.svc-cell .arrow{font-size:1.6rem;color:#C8A14D;align-self:flex-start}
.svc-cell small{opacity:.8;font-size:.85rem}
@media(max-width:1000px){.svc-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:520px){.svc-grid{grid-template-columns:1fr}}

/* Awards / stats strip */
.stats{background:#F5F7FB;padding:70px 0}
.stats-grid{display:grid;grid-template-columns:repeat(4,1fr);gap:32px;text-align:left}
.stat .num{font-size:3rem;font-weight:800;color:#00338D;line-height:1}
.stat .lbl{color:#334155;margin-top:8px;font-size:.95rem}
@media(max-width:800px){.stats-grid{grid-template-columns:repeat(2,1fr)}}

/* Insights grid 3x3 */
.ins-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px 24px}
.ins{border-top:3px solid #00338D;padding-top:20px}
.ins .thumb{aspect-ratio:16/10;overflow:hidden;margin-bottom:18px}
.ins .thumb img{width:100%;height:100%;object-fit:cover}
.ins .tag{color:#00338D;font-weight:600;font-size:.8rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:8px}
.ins h3{font-size:1.15rem;margin-bottom:8px}
.ins .meta{color:#64748B;font-size:.85rem;margin-top:12px}
@media(max-width:900px){.ins-grid{grid-template-columns:1fr}}

/* PEOPLE quote cards */
.people{background:#F5F7FB}
.people-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:32px}
.person{background:#fff;padding:36px}
.person img{width:80px;height:80px;border-radius:50%;object-fit:cover;margin-bottom:20px}
.person blockquote{font-size:1.05rem;color:#0B1E4C;margin-bottom:20px;font-style:italic;line-height:1.55}
.person .name{font-weight:700;color:#00338D}
.person .role{color:#64748B;font-size:.9rem;margin-top:2px}
@media(max-width:900px){.people-grid{grid-template-columns:1fr}}

/* Final CTA band */
.final{background:#0B1E4C;color:#fff;padding:120px 0;text-align:center}
.final h2{color:#fff;font-size:clamp(2.6rem,7vw,6rem);font-weight:900;text-transform:uppercase;letter-spacing:-.03em;margin-bottom:28px}
.final h2 span{color:#C8A14D}

/* FOOTER */
footer{background:#0B1E4C;color:#fff;padding:80px 0 30px}
.foot-grid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:40px;margin-bottom:50px}
footer h4{color:#fff;font-size:.9rem;text-transform:uppercase;letter-spacing:.1em;margin-bottom:20px;font-weight:700}
footer ul{list-style:none}
footer li{margin-bottom:10px}
footer a{opacity:.75;font-size:.92rem;transition:.2s}
footer a:hover{opacity:1;color:#C8A14D}
.foot-brand{font-weight:800;font-size:1.2rem;color:#fff;margin-bottom:12px;display:flex;align-items:center;gap:10px}
.foot-brand .brand-mark{background:#fff;color:#00338D}
.foot-bottom{border-top:1px solid rgba(255,255,255,.15);padding-top:24px;display:flex;justify-content:space-between;gap:16px;flex-wrap:wrap;font-size:.85rem;opacity:.7}
@media(max-width:900px){.foot-grid{grid-template-columns:1fr 1fr}}
@media(max-width:520px){.foot-grid{grid-template-columns:1fr}}

/* Prose (legal / blog) */
.prose{max-width:820px;margin:0 auto}
.prose h2{margin-top:44px;margin-bottom:16px;font-size:1.7rem}
.prose h3{margin-top:28px;margin-bottom:10px}
.prose p{margin-bottom:16px}
.prose ul,.prose ol{margin:0 0 20px 22px}
.prose li{margin-bottom:8px}
.prose a{color:#00338D;text-decoration:underline}

/* Pricing */
.price-grid{display:grid;grid-template-columns:repeat(3,1fr);gap:24px;margin-top:20px}
.price{background:#fff;border:1px solid #E5E7EB;padding:36px 28px;display:flex;flex-direction:column;transition:.25s}
.price:hover{box-shadow:0 24px 60px rgba(0,51,141,.12);transform:translateY(-4px)}
.price.featured{background:#00338D;color:#fff;border-color:#00338D}
.price.featured h3,.price.featured .amt{color:#fff}
.price.featured p,.price.featured li{color:rgba(255,255,255,.9)}
.price .amt{font-size:2.6rem;font-weight:800;color:#00338D;margin:12px 0 4px;letter-spacing:-.02em}
.price .amt small{font-size:.9rem;font-weight:500;color:#64748B}
.price ul{list-style:none;margin:22px 0}
.price li{padding:8px 0;border-bottom:1px solid #E5E7EB;font-size:.95rem}
.price.featured li{border-color:rgba(255,255,255,.15)}
.price .btn{margin-top:auto;justify-content:center;width:100%}
@media(max-width:900px){.price-grid{grid-template-columns:1fr}}

/* Contact */
.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:60px}
.contact-info div{margin-bottom:24px}
.contact-info .lbl{text-transform:uppercase;letter-spacing:.1em;font-size:.8rem;color:#00338D;font-weight:700;margin-bottom:6px}
form label{display:block;margin-bottom:6px;font-weight:600;font-size:.9rem}
form input,form textarea,form select{width:100%;padding:14px;border:1px solid #E5E7EB;border-radius:2px;font-family:inherit;font-size:.95rem;margin-bottom:18px;background:#fff}
form input:focus,form textarea:focus{outline:0;border-color:#00338D}
@media(max-width:900px){.contact-grid{grid-template-columns:1fr}}

/* FAQ */
details{border-bottom:1px solid #E5E7EB;padding:22px 0}
details summary{cursor:pointer;font-weight:600;font-size:1.05rem;color:#0B1E4C;list-style:none;display:flex;justify-content:space-between;align-items:center}
details summary::after{content:"+";font-size:1.6rem;color:#00338D;font-weight:400}
details[open] summary::after{content:"−"}
details p{margin-top:14px;color:#475569}

/* Reveal animation */
.reveal{opacity:0;transform:translateY(24px);transition:opacity .7s,transform .7s}
.reveal.in{opacity:1;transform:none}