:root { --navy:#001232; --navy-2:#0b2350; --gold:#a88240; --gold-light:#c9a75f; --paper:#f7f5f0; --ink:#1c2533; --muted:#5b6575; --line:#e6e2d8; }
* { box-sizing:border-box; }
html { -webkit-text-size-adjust:100%; }
body { margin:0; font-family:-apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, sans-serif; color:var(--ink); background:#fff; line-height:1.65; }
a { color:var(--navy); }
img { max-width:100%; height:auto; }
.wrap { max-width:1080px; margin:0 auto; padding:0 24px; }
.narrow { max-width:780px; }
.strip { background:#000b20; color:#c9d1df; font-size:.82rem; text-align:center; padding:7px 16px; }
.strip strong { color:var(--gold-light); font-weight:600; }
header.top { background:var(--navy); color:#fff; }
header.top .wrap { display:flex; align-items:center; justify-content:space-between; min-height:70px; gap:16px; flex-wrap:wrap; }
.brand { display:inline-block; font-weight:700; letter-spacing:.02em; font-size:1.12rem; color:#fff; text-decoration:none; }
.brand span { color:var(--gold-light); }
nav { display:flex; flex-wrap:wrap; gap:4px 22px; }
nav a { color:#dfe4ee; text-decoration:none; font-size:.95rem; padding:4px 0; border-bottom:2px solid transparent; }
nav a:hover, nav a[aria-current="page"] { color:#fff; border-bottom-color:var(--gold); }
.hero { background:linear-gradient(160deg, var(--navy) 0%, var(--navy-2) 100%); color:#fff; padding:84px 0 92px; }
.hero.small { padding:56px 0 60px; }
.eyebrow { color:var(--gold-light); text-transform:uppercase; letter-spacing:.18em; font-size:.8rem; font-weight:600; margin:0 0 14px; }
.hero h1 { font-family:Georgia, "Times New Roman", serif; font-weight:600; font-size:clamp(2.1rem, 5vw, 3.3rem); line-height:1.15; margin:0 0 18px; }
.hero p.lead { font-size:1.15rem; color:#d5dbe7; max-width:680px; margin:0 0 30px; }
.rule { width:64px; height:3px; background:var(--gold); border:0; margin:0 0 22px; }
.btn { display:inline-block; background:var(--gold); color:#fff; text-decoration:none; font-weight:600; padding:13px 26px; border-radius:6px; margin:4px 10px 4px 0; }
.btn:hover { background:var(--gold-light); }
.btn.ghost { background:transparent; border:1px solid #8c9bb6; }
.btn.ghost:hover { border-color:var(--gold-light); color:var(--gold-light); }
section { padding:68px 0; }
section.alt { background:var(--paper); }
h2 { font-family:Georgia, "Times New Roman", serif; font-weight:600; color:var(--navy); font-size:clamp(1.55rem, 3vw, 2.05rem); margin:0 0 14px; line-height:1.25; }
h3 { color:var(--navy); font-size:1.1rem; margin:0 0 8px; }
p { margin:0 0 14px; }
.muted { color:var(--muted); }
.grid { display:grid; grid-template-columns:repeat(3, 1fr); gap:22px; margin-top:30px; }
.grid.two { grid-template-columns:repeat(2, 1fr); }
.card { background:#fff; border:1px solid var(--line); border-top:3px solid var(--gold); border-radius:8px; padding:24px; }
.card p:last-child, .card ul:last-child { margin-bottom:0; }
.card ul { margin:8px 0 0; padding-left:20px; color:var(--muted); }
.card li { margin:3px 0; }
.split { display:grid; grid-template-columns:220px 1fr; gap:44px; align-items:center; }
.split img { width:100%; max-width:220px; }
.facts { display:grid; grid-template-columns:repeat(4, 1fr); gap:0; border:1px solid var(--line); border-radius:8px; overflow:hidden; margin-top:28px; background:#fff; }
.facts div { padding:18px 20px; border-right:1px solid var(--line); }
.facts div:last-child { border-right:0; }
.label { display:block; font-size:.76rem; text-transform:uppercase; letter-spacing:.12em; color:var(--gold); font-weight:700; margin-bottom:4px; }
.facts strong, .contact-card a, .contact-card strong { color:var(--navy); font-weight:600; text-decoration:none; word-break:break-word; }
.contact-card { background:#fff; border:1px solid var(--line); border-radius:8px; padding:22px 24px; }
.contact-card a, .contact-card strong { font-size:1.15rem; }
.steps { counter-reset:step; list-style:none; padding:0; margin:24px 0 0; display:grid; gap:14px; }
.steps li { counter-increment:step; background:#fff; border:1px solid var(--line); border-radius:8px; padding:18px 20px 18px 64px; position:relative; }
.steps li::before { content:counter(step); position:absolute; left:20px; top:18px; width:30px; height:30px; border-radius:50%; background:var(--navy); color:var(--gold-light); font-weight:700; display:flex; align-items:center; justify-content:center; font-size:.9rem; }
.callout { background:var(--navy); color:#dfe4ee; border-radius:10px; padding:30px 32px; display:flex; justify-content:space-between; align-items:center; gap:20px; flex-wrap:wrap; }
.callout h2 { color:#fff; margin:0 0 6px; }
.callout p { margin:0; }
.policy h2 { font-family:inherit; font-size:1.15rem; margin:30px 0 8px; padding-top:18px; border-top:1px solid #eee8dc; }
.policy ul { padding-left:22px; }
footer { background:var(--navy); color:#aab4c6; font-size:.9rem; padding:40px 0 28px; }
footer .cols { display:grid; grid-template-columns:2fr 1fr 1fr; gap:28px; }
footer h4 { color:#fff; font-size:.95rem; margin:0 0 10px; }
footer a { color:#dfe4ee; text-decoration:none; }
footer a:hover { color:var(--gold-light); }
footer ul { list-style:none; padding:0; margin:0; }
footer li { margin:5px 0; }
footer .legal { border-top:1px solid #1d2f52; margin-top:28px; padding-top:18px; display:flex; justify-content:space-between; flex-wrap:wrap; gap:10px; }
@media (max-width:820px) {
  .grid, .grid.two, .facts { grid-template-columns:1fr; }
  .facts div { border-right:0; border-bottom:1px solid var(--line); }
  .facts div:last-child { border-bottom:0; }
  .split { grid-template-columns:1fr; gap:20px; }
  .split img { max-width:150px; }
  footer .cols { grid-template-columns:1fr; }
  .hero { padding:60px 0 66px; }
  section { padding:52px 0; }
  header.top .wrap { padding-top:12px; padding-bottom:10px; }
  nav { gap:4px 16px; }
}