:root{--navy:#13233d;--navy2:#1d3354;--slate:#475569;--line:#dde3ea;--bg2:#f4f6f9;--gold:#b8903a;--gold2:#e7c873;--ink:#0f172a;
--font:-apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font-family:var(--font);font-size:17px;line-height:1.65;color:var(--ink);background:#fff}
img,svg{max-width:100%}
a{color:var(--navy2);text-underline-offset:3px}
.skip{position:absolute;left:-999px}.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;z-index:99}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px}
h1,h2,h3{line-height:1.2;letter-spacing:-.01em;margin:0 0 .5em;color:var(--navy)}
h1{font-size:clamp(2rem,4.2vw,3.1rem);font-weight:750}
h2{font-size:clamp(1.55rem,2.8vw,2.15rem);font-weight:720}
h3{font-size:1.2rem;font-weight:680}
p{margin:0 0 1em}p,li{max-width:72ch}
ul{padding-left:1.2em}li{margin:.35em 0}
.wrap{max-width:1180px;margin:0 auto;padding:0 24px}
.narrow{max-width:820px}
.sec{padding:clamp(52px,7vw,96px) 0}
.alt{background:var(--bg2)}
.dark{background:var(--navy);color:#e8edf4}.dark h1,.dark h2,.dark h3{color:#fff}.dark a:not(.btn){color:var(--gold2)}
.eyebrow{display:inline-block;font-size:.8rem;font-weight:700;letter-spacing:.12em;text-transform:uppercase;color:var(--gold);margin-bottom:12px}
.dark .eyebrow{color:var(--gold2)}
.lead{font-size:1.18rem;color:var(--slate);max-width:62ch}.dark .lead{color:#c9d3e0}
/* header */
.hdr{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:saturate(1.5) blur(6px)}
.hwrap{display:flex;align-items:center;gap:24px;min-height:72px}
.brand{display:flex;align-items:center;gap:10px;text-decoration:none;color:var(--navy);font-weight:760;font-size:1.12rem;letter-spacing:-.01em;white-space:nowrap}
.brand small{display:block;font-size:.72rem;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--slate)}
.brand svg{width:38px;height:38px;flex:none}
nav.main{margin-left:auto;display:flex;align-items:center;gap:4px}
nav.main a{color:var(--ink);text-decoration:none;font-weight:600;font-size:.95rem;padding:10px 12px;border-radius:6px}
nav.main a:hover,nav.main a[aria-current]{color:var(--navy2);background:var(--bg2)}
.hphone{font-weight:700;color:var(--navy);text-decoration:none;white-space:nowrap;font-size:.95rem}
.menubtn{display:none;margin-left:auto;font:inherit;font-weight:700;padding:9px 14px;border:1px solid var(--line);background:#fff;border-radius:8px;color:var(--navy)}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;min-height:48px;padding:12px 22px;border-radius:8px;font-weight:700;text-decoration:none;border:2px solid var(--navy);font-size:1rem;line-height:1.2}
.btn.pri{background:var(--navy);color:#fff}.btn.pri:hover{background:var(--navy2)}
.btn.sec2{background:#fff;color:var(--navy)}.btn.sec2:hover{background:var(--bg2)}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#fff}.btn.gold:hover{filter:brightness(1.07)}
.dark .btn.sec2{background:transparent;color:#fff;border-color:#8ea0b8}
.hdr .btn{min-height:42px;padding:9px 16px;font-size:.92rem}
.btns{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
/* hero */
.hero{background:linear-gradient(135deg,#0d1a2e 0%,#13233d 55%,#1f3a5f 100%);color:#e8edf4;padding:clamp(64px,9vw,120px) 0}
.hero h1{color:#fff;max-width:20ch}.hero .lead{color:#c9d3e0}
.hero .eyebrow{color:var(--gold2)}
.hero .btn.sec2{background:transparent;color:#fff;border-color:#8ea0b8}
.hgrid{display:grid;grid-template-columns:1.25fr .9fr;gap:56px;align-items:center}
.panel{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:14px;padding:28px}
.panel h2{font-size:1.1rem;color:#fff;margin-bottom:14px}
.checks{list-style:none;padding:0;margin:0}.checks li{position:relative;padding-left:30px;margin:.6em 0}
.checks li:before{content:"";position:absolute;left:0;top:.38em;width:18px;height:18px;border-radius:50%;background:var(--gold) url("data:image/svg+xml,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 20 20'%3E%3Cpath d='M5 10.5l3 3 7-7' fill='none' stroke='white' stroke-width='2.4' stroke-linecap='round' stroke-linejoin='round'/%3E%3C/svg%3E") center/14px no-repeat}
.pagehero{background:var(--navy);color:#c9d3e0;padding:clamp(48px,7vw,88px) 0}
.pagehero h1{color:#fff;max-width:24ch}.pagehero .lead{color:#c9d3e0}
.crumb{font-size:.85rem;margin-bottom:10px}.crumb a{color:var(--gold2)}
/* cards */
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-top:32px}
.grid.two{grid-template-columns:repeat(auto-fit,minmax(340px,1fr))}
.card{background:#fff;border:1px solid var(--line);border-radius:12px;padding:26px;display:flex;flex-direction:column}
.alt .card{box-shadow:0 1px 2px rgba(15,23,42,.04)}
.card p:last-child,.card ul:last-child{margin-bottom:0}
a.card{text-decoration:none;color:var(--ink);transition:border-color .15s,box-shadow .15s}
a.card:hover{border-color:#9fb0c6;box-shadow:0 6px 20px rgba(15,23,42,.08)}
.card .more{margin-top:auto;padding-top:12px;font-weight:700;color:var(--navy2)}
.ico{width:44px;height:44px;border-radius:10px;background:#eef2f7;color:var(--navy);display:flex;align-items:center;justify-content:center;margin-bottom:14px}
.ico svg{width:24px;height:24px}
.card.accent{border-top:4px solid var(--gold)}
.split{display:grid;grid-template-columns:1fr 1fr;gap:56px;align-items:start}
.steps{counter-reset:s;list-style:none;padding:0;display:grid;grid-template-columns:repeat(auto-fit,minmax(230px,1fr));gap:22px;margin-top:32px}
.steps li{counter-increment:s;background:#fff;border:1px solid var(--line);border-radius:12px;padding:24px;margin:0}
.steps li:before{content:counter(s);display:inline-flex;width:34px;height:34px;border-radius:50%;background:var(--navy);color:#fff;font-weight:700;align-items:center;justify-content:center;margin-bottom:10px}
.note{border-left:4px solid var(--gold);background:#fbf7ee;padding:16px 20px;border-radius:0 8px 8px 0;margin:24px 0;max-width:80ch}
.note p:last-child{margin:0}
.cl{list-style:none;padding:0}.cl li{position:relative;padding-left:34px;margin:.7em 0}
.cl li:before{content:"";position:absolute;left:0;top:.25em;width:20px;height:20px;border:2px solid var(--navy2);border-radius:5px}
.faq details{border-bottom:1px solid var(--line);padding:16px 0}.faq summary{cursor:pointer;font-weight:700;color:var(--navy)}
.faq details p{margin:10px 0 0}
.cta{background:linear-gradient(135deg,#13233d,#1f3a5f);color:#dfe6ef;border-radius:16px;padding:clamp(32px,5vw,56px);display:grid;grid-template-columns:1.4fr 1fr;gap:32px;align-items:center}
.cta h2{color:#fff}.cta .btns{margin-top:0;justify-content:flex-end}
.cta .btn.sec2{background:transparent;color:#fff;border-color:#8ea0b8}
.kv{display:grid;grid-template-columns:auto 1fr;gap:8px 20px}.kv dt{font-weight:700;color:var(--navy)}.kv dd{margin:0}
.src{font-size:.88rem;color:var(--slate)}
/* footer */
.ftr{background:#0d1a2e;color:#aab6c6;padding:56px 0 28px;font-size:.95rem}
.ftr a{color:#dbe3ee;text-decoration:none}.ftr a:hover{text-decoration:underline}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}
.ftr h2{font-size:.8rem;letter-spacing:.12em;text-transform:uppercase;color:var(--gold2);margin-bottom:12px}
.ftr ul{list-style:none;padding:0;margin:0}.ftr li{margin:.45em 0}
.ftr .brand{color:#fff}.ftr .brand small{color:#8fa0b6}
.fbot{border-top:1px solid #23344f;margin-top:36px;padding-top:20px;font-size:.85rem;display:flex;justify-content:space-between;flex-wrap:wrap;gap:10px}
@media (max-width:1060px){.hphone{display:none}}
@media (max-width:920px){
 .menubtn{display:block}.hdr .btn{display:none}
 nav.main{display:none;position:absolute;left:0;right:0;top:100%;background:#fff;flex-direction:column;align-items:stretch;padding:8px 16px 16px;border-bottom:1px solid var(--line);box-shadow:0 10px 20px rgba(15,23,42,.08)}
 .open nav.main{display:flex}nav.main a{padding:14px 10px;font-size:1.05rem;border-bottom:1px solid var(--bg2)}
 .hwrap{position:relative}
 .hgrid,.split,.cta{grid-template-columns:1fr}.cta .btns{justify-content:flex-start}
 .fgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:560px){body{font-size:16.5px}.btns .btn{width:100%}.fgrid{grid-template-columns:1fr}.grid.two{grid-template-columns:1fr}}
@media print{.hdr,.ftr,.cta,.menubtn{display:none}}
.ftr .brand img{background:#fff;border-radius:50%}
.brand img{width:52px;height:52px}
nav.main a,.hdr .btn,.hphone{white-space:nowrap}
nav.main a{padding:10px 9px}
.hwrap{gap:16px}
@media (max-width:1240px){.hphone{display:none}}
@media (max-width:1040px) and (min-width:921px){.brand small{display:none}}
@media (max-width:440px){.brand small{font-size:.6rem;letter-spacing:.05em}.brand{font-size:1rem}.brand img{width:44px;height:44px}}