:root{
  --ink:#16202b; --muted:#546270; --line:#dde3ea; --bg:#ffffff; --soft:#f4f7fa;
  --brand:#c8102e; --brand-dark:#9b0c23; --navy:#12263f; --gold:#e0a31a;
  --display:'Fraunces',Georgia,serif; --body:'Source Sans 3','Segoe UI',Arial,sans-serif;
}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.6 var(--body)}
img{max-width:100%;height:auto}
a{color:var(--brand-dark)}
h1,h2,h3{font-family:var(--display);line-height:1.15;text-wrap:balance;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,5vw,3.2rem)} h2{font-size:clamp(1.6rem,3.5vw,2.3rem)} h3{font-size:1.25rem}
.wrap{max-width:1120px;margin:0 auto;padding-inline:max(18px,env(safe-area-inset-left,0px))}
header.top{position:sticky;top:0;z-index:50;background:#fff;border-bottom:3px solid var(--brand)}
.top .wrap{display:flex;align-items:center;gap:16px;padding-block:10px;flex-wrap:wrap}
.top img.askbni{height:48px;width:auto}
nav.tabs{display:flex;gap:4px;flex-wrap:wrap;margin-left:auto}
nav.tabs a{font:600 15px var(--body);text-decoration:none;padding:10px 14px;border-radius:6px;color:var(--navy)}
nav.tabs a:hover{background:var(--soft)}
nav.tabs a[aria-current="page"]{background:var(--navy);color:#fff}
button:focus-visible,a:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
.btn{display:inline-block;font:700 16px var(--body);background:var(--brand);color:#fff;border:2px solid var(--brand);padding:12px 20px;border-radius:6px;cursor:pointer;text-decoration:none}
.btn:hover{background:var(--brand-dark);border-color:var(--brand-dark)}
.btn.alt{background:#fff;color:var(--brand-dark)}
.btn.alt:hover{background:var(--soft)}
.btn.navy{background:var(--navy);border-color:var(--navy)}
.cta-row{display:flex;gap:10px;flex-wrap:wrap;align-items:center;margin-top:16px}
.tab{display:none} .tab.active{display:block}
section.block{padding-block:56px}
section.soft{background:var(--soft)}
.hero{background:linear-gradient(120deg,#fff 55%,#fbe9ec);padding-block:56px;border-bottom:1px solid var(--line)}
.hero .grid{display:grid;grid-template-columns:1.1fr .9fr;gap:36px;align-items:center}
.hero .lead{font-size:1.2rem;color:var(--muted);max-width:60ch}
.hero img.photo{width:100%;border-radius:10px;border:1px solid var(--line);aspect-ratio:4/3;object-fit:cover}
.eyebrow{font:700 13px var(--body);letter-spacing:.12em;text-transform:uppercase;color:var(--brand)}
.stats{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;margin-top:24px}
.stat{background:#fff;border:1px solid var(--line);border-top:4px solid var(--brand);border-radius:8px;padding:18px}
.stat b{display:block;font:700 2.2rem var(--display);color:var(--navy);font-variant-numeric:tabular-nums}
.stat span{color:var(--muted);font-size:.95rem}
.bar{height:10px;background:#e8edf2;border-radius:6px;overflow:hidden;margin-top:8px}
.bar i{display:block;height:100%;background:var(--brand);width:0;transition:width 1.2s ease}
.cols3{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:20px}
.card{background:#fff;border:1px solid var(--line);border-radius:8px;padding:22px;min-width:0}
.card img{border-radius:6px;margin-bottom:12px;width:100%;aspect-ratio:3/2;object-fit:cover}
.split{display:grid;grid-template-columns:1fr 1fr;gap:32px;align-items:start}
.split>*{min-width:0}
.counties{display:flex;flex-wrap:wrap;gap:8px;padding:0;list-style:none}
.counties li{background:#fff;border:1px solid var(--line);border-radius:20px;padding:4px 12px;font-size:.92rem}
.steps{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:16px;counter-reset:s;padding:0;list-style:none}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:8px;padding:18px 18px 18px 64px;position:relative}
.steps li::before{content:counter(s);position:absolute;left:16px;top:14px;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;display:grid;place-items:center;font:700 17px var(--display)}
.quote{background:#fff;border:1px solid var(--line);border-left:4px solid var(--brand);border-radius:8px;padding:18px;margin:0;min-width:0}
.quote p{margin:0 0 10px}
.quote cite{font-style:normal;font-weight:700;color:var(--navy);display:block;font-size:.95rem}
.quote small{color:var(--muted)}
.tgrid{display:grid;grid-template-columns:repeat(auto-fill,minmax(300px,1fr));gap:16px}
.tools{display:flex;gap:10px;flex-wrap:wrap;margin-bottom:20px}
.tools input,.tools select{font:16px var(--body);padding:10px 12px;border:1px solid var(--line);border-radius:6px;min-width:0}
.tools input{flex:1 1 240px}
.formwrap{background:#fff;border:1px solid var(--line);border-radius:10px;padding:12px;min-width:0}
.video{background:#fff;border:1px solid var(--line);border-radius:10px;overflow:hidden}
.video iframe{width:100%;height:560px;border:0;display:block}
.video .cap{padding:12px 16px;display:flex;gap:10px;flex-wrap:wrap;align-items:center;justify-content:space-between}
.curr{display:grid;grid-template-columns:repeat(auto-fit,minmax(280px,1fr));gap:12px}
.curr .card{padding:16px}
.curr .card b{color:var(--brand-dark);font-size:.8rem;letter-spacing:.08em}
footer{background:var(--navy);color:#dbe4ee;padding-block:36px;margin-top:0}
footer a{color:#fff}
footer .wrap{display:flex;flex-wrap:wrap;gap:24px;justify-content:space-between;align-items:center}
.powered{display:flex;align-items:center;gap:12px;font-size:.95rem}
.powered img{height:44px;width:auto;background:#fff;padding:6px 10px;border-radius:6px}
#toast{position:fixed;left:50%;bottom:28px;transform:translateX(-50%);background:var(--navy);color:#fff;padding:10px 18px;border-radius:6px;opacity:0;pointer-events:none;transition:opacity .25s;z-index:99}
#toast.on{opacity:1}
@media(max-width:820px){.hero .grid,.split{grid-template-columns:1fr}nav.tabs{margin-left:0;width:100%}}
@media(prefers-reduced-motion:reduce){html{scroll-behavior:auto}.bar i{transition:none}}
.skip{position:absolute;left:-999px;top:0;background:var(--navy);color:#fff;padding:10px 14px;z-index:100}
.skip:focus{left:8px;top:8px}
.crumbs{background:var(--soft);border-bottom:1px solid var(--line);font-size:.92rem}
.crumbs ol{list-style:none;display:flex;flex-wrap:wrap;gap:6px;margin:0;padding:10px 0}
.crumbs li+li::before{content:"/";color:var(--muted);margin-right:6px}
.crumbs a{color:var(--navy)}
.article{max-width:760px}
.article h2{margin-top:1.6em}
.article p{max-width:68ch}
.meta{color:var(--muted);font-size:.95rem}
.faq details{background:#fff;border:1px solid var(--line);border-radius:8px;padding:12px 16px;margin-bottom:10px}
.faq summary{font-weight:700;cursor:pointer;color:var(--navy)}
.postlist{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:20px}
.postlist .card h2{font-size:1.25rem}
.postlist .card a.more{font-weight:700}
.note{background:var(--soft);border:1px solid var(--line);border-radius:8px;padding:14px 16px;color:var(--muted);font-size:.95rem}

.hero img.photo{aspect-ratio:auto;object-fit:contain;height:auto;background:#fff}
.vwrap{background:#000;border-radius:10px;overflow:hidden}
.vwrap video{display:block;width:100%;height:auto}
.vport{max-width:360px;margin-inline:auto}
.tech-video{display:grid;grid-template-columns:minmax(0,360px) 1fr;gap:32px;align-items:center}
@media(max-width:820px){.tech-video{grid-template-columns:1fr}}