:root{--by-navy: #0B1F3B;--by-accent: #1F6FEB;--by-gray-50: #f9fafb;--by-gray-100: #f3f4f6;--by-gray-200: #e5e7eb;--by-gray-500: #6b7280;--by-gray-600: #4b5563;--by-gray-800: #1f2937;--by-white: #ffffff;--by-max: 72rem;--by-font: "DM Sans", system-ui, -apple-system, sans-serif}*,*:before,*:after{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:var(--by-font);font-size:1rem;line-height:1.6;color:var(--by-gray-800);background-color:var(--by-white);-webkit-font-smoothing:antialiased}.by-header{position:fixed;top:0;left:0;right:0;z-index:50;background:#fffffff2;border-bottom:1px solid var(--by-gray-100)}.by-nav{max-width:var(--by-max);margin:0 auto;padding:1rem 1.5rem;display:flex;align-items:center;justify-content:space-between}.by-logo{color:var(--by-navy);font-weight:600;font-size:1.125rem;text-decoration:none}.by-nav-link{color:var(--by-navy);font-size:.875rem;font-weight:500;text-decoration:none;margin-left:1.5rem}.by-nav-link:hover{color:var(--by-accent)}.by-main{display:block}.by-section{padding:4rem 1.5rem}.by-section--alt{background-color:var(--by-gray-50)}.by-container{max-width:var(--by-max);margin-left:auto;margin-right:auto}.by-hero{padding-top:7rem;padding-bottom:4rem;text-align:center}.by-hero h1{margin:0 0 1rem;font-size:1.875rem;font-weight:700;color:var(--by-navy);line-height:1.2}@media(min-width:640px){.by-hero h1{font-size:2.25rem}}.by-hero-sub{margin:0 auto 2rem;font-size:1.125rem;color:var(--by-gray-600);max-width:36rem}.by-btn{display:inline-block;padding:.875rem 2rem;font-family:inherit;font-size:1rem;font-weight:600;color:var(--by-white);background-color:var(--by-navy);border:none;border-radius:.5rem;text-decoration:none;cursor:pointer;transition:background-color .2s}.by-btn:hover{background-color:#0a2847}.by-btn:focus{outline:none;box-shadow:0 0 0 2px var(--by-white),0 0 0 4px var(--by-navy)}.by-h2{margin:0 0 1.5rem;font-size:1.5rem;font-weight:700;color:var(--by-navy)}.by-h2--center{text-align:center}.by-audience-grid{display:grid;grid-template-columns:1fr 1fr;gap:.75rem 1.5rem}@media(min-width:640px){.by-audience-grid{grid-template-columns:repeat(3,1fr)}}.by-audience-item{padding:1rem;background:var(--by-white);border:1px solid var(--by-gray-200);border-radius:.5rem;font-weight:500;color:var(--by-navy);text-align:center}.by-req-list{list-style:none;margin:0;padding:0}.by-req-list li{padding:.75rem 0;border-bottom:1px solid var(--by-gray-200);display:flex;align-items:flex-start;gap:.75rem}.by-req-list li:last-child{border-bottom:none}.by-req-list li:before{content:"";flex-shrink:0;width:1.25rem;height:1.25rem;background:var(--by-navy);border-radius:50%;margin-top:.2rem}.by-req-list strong{color:var(--by-navy)}.by-process-grid{display:grid;grid-template-columns:1fr;gap:1.5rem}@media(min-width:640px){.by-process-grid{grid-template-columns:repeat(4,1fr)}}.by-process-step{text-align:center;padding:1.5rem 1rem}.by-process-num{display:inline-block;width:2.5rem;height:2.5rem;line-height:2.5rem;border-radius:50%;background:var(--by-navy);color:var(--by-white);font-weight:700;font-size:.875rem;margin-bottom:.75rem}.by-process-title{font-weight:600;color:var(--by-navy);margin:0 0 .5rem}.by-process-desc{margin:0;font-size:.875rem;color:var(--by-gray-600)}.by-apply{text-align:center;padding:3rem 1.5rem}.by-apply h2{margin-bottom:1rem}.by-apply p{margin:0 0 1.5rem;color:var(--by-gray-600);max-width:32rem;margin-left:auto;margin-right:auto}.by-footer{border-top:1px solid var(--by-gray-200);padding:2rem 1.5rem;text-align:center}.by-footer a{color:var(--by-navy);text-decoration:none;margin:0 .5rem}.by-footer a:hover{color:var(--by-accent)}