@import url('https://fonts.googleapis.com/css2?family=DM+Sans:wght@400;500;600;700&family=Libre+Baskerville:wght@400;700&display=swap');
:root{--navy:#102543;--deep:#0b1d35;--gold:#ffb900;--ink:#132543;--muted:#4d627d;--line:#d9e1ec;--light:#f5f8fb;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;color:var(--ink);font-family:'DM Sans',Arial,sans-serif;font-size:15px;line-height:1.7}a{color:inherit}button,input,select,textarea{font:inherit}h1,h2,h3{font-family:'Libre Baskerville',Georgia,serif;line-height:1.27;letter-spacing:-.035em}h1{font-size:clamp(2.1rem,4.2vw,3.45rem);margin:17px 0 25px;max-width:800px}h2{font-size:clamp(1.65rem,2.6vw,2.45rem);margin:6px 0 24px}h3{font-size:1.08rem;margin:0 0 10px}.container{width:min(1120px,calc(100% - 42px));margin:auto}.narrow{max-width:940px}.eyebrow{font-size:11px;letter-spacing:.16em;text-transform:uppercase;font-weight:700;color:#b04d05}.hero .eyebrow,.dark .eyebrow{color:var(--gold)}.topbar{background:#fff;position:sticky;top:0;z-index:20;border-bottom:1px solid #e7edf5}.nav{min-height:75px;display:flex;align-items:center;justify-content:space-between;gap:22px}.brand{text-decoration:none;display:flex;align-items:center;gap:12px;white-space:nowrap;line-height:1.2}.brand-mark{display:grid;place-items:center;background:var(--navy);color:var(--gold);width:41px;height:41px;border-radius:9px;font-family:Georgia,serif;font-size:16px;font-weight:700}.brand strong{display:block;font-size:16px}.brand small{display:block;color:#59708e;font-size:10px;letter-spacing:.04em}.navlinks{display:flex;align-items:center;gap:25px}.navlinks a{text-decoration:none;font-size:13px;color:#40546e}.navlinks a:hover,.navlinks a[aria-current=page]{color:#a85000}.btn{display:inline-flex;align-items:center;justify-content:center;border-radius:40px;border:1px solid transparent;background:var(--gold);color:#0b1d35;padding:12px 22px;text-decoration:none;font-size:13px;font-weight:700;cursor:pointer;line-height:1.4}.btn:hover{filter:brightness(.95)}.btn-outline{border-color:#6c7e97;background:transparent;color:white}.btn-small{padding:10px 16px;white-space:nowrap}.mobile-toggle{display:none;background:none;border:1px solid var(--line);padding:7px 12px;border-radius:7px}.hero{background:var(--navy);color:white;padding:88px 0 75px}.hero p.lead{font-size:18px;line-height:1.75;max-width:760px;margin-bottom:32px}.hero.compact{padding:77px 0 72px}.hero.compact .container{max-width:940px}.hero.compact h1{max-width:750px}.hero.compact p.lead{max-width:750px;font-size:16px}.actions{display:flex;gap:12px;flex-wrap:wrap}.hero-points{border-top:1px solid #38506d;margin-top:60px;padding-top:33px;display:grid;grid-template-columns:repeat(3,1fr);gap:38px}.hero-points strong{color:var(--gold);display:block}.hero-points p{margin:3px 0 0;font-size:13px}.section{padding:80px 0}.section.light{background:var(--light)}.section.dark{background:var(--navy);color:white}.cards{display:grid;grid-template-columns:repeat(3,minmax(0,1fr));gap:20px}.cards.two{grid-template-columns:repeat(2,minmax(0,1fr))}.card{border:1px solid var(--line);background:#fff;border-radius:9px;padding:26px;min-width:0}.card p{color:#455b77;font-size:14px;margin:0 0 17px}.card ul,.checklist{list-style:none;padding:0;margin:18px 0}.card li,.checklist li{padding:6px 0 6px 20px;position:relative;font-size:13px}.card li:before,.checklist li:before{content:'✓';color:#d76911;position:absolute;left:0}.card a{font-size:13px;font-weight:700;text-decoration:none;color:#173e70}.number{font-size:13px;font-weight:700;color:#d76911;margin-bottom:12px}.split{display:grid;grid-template-columns:1fr 1fr;gap:48px;align-items:start}.situations{list-style:none;margin:0;padding:0}.situations li{border:1px solid var(--line);background:white;border-radius:8px;padding:13px 17px;margin:0 0 10px;font-size:14px}.situations li:before{content:'–';color:#e36b17;margin-right:10px}.note{background:#fff9e6;border:1px solid #f4ce55;border-radius:9px;padding:19px 23px;font-size:13px;margin-top:24px}.two-col{display:grid;grid-template-columns:1fr 1fr;gap:40px}.two-col h4{color:#a95009;font-size:11px;letter-spacing:.09em;text-transform:uppercase}.two-col li{padding:10px 0;border-bottom:1px solid var(--line);font-size:13px}.faq{max-width:870px}.faq details{border:1px solid var(--line);border-radius:9px;background:white;margin-bottom:10px}.faq summary{padding:16px 20px;cursor:pointer;font-weight:700;font-size:14px;list-style:none;display:flex;justify-content:space-between;gap:12px}.faq summary:after{content:'+';color:#d56912}.faq details[open] summary:after{content:'−'}.faq details p{padding:0 20px 18px;margin:0;color:#4c5c70;font-size:14px}.contact-grid{display:grid;grid-template-columns:1fr 1fr;gap:40px}.contact-links a{display:block;border:1px solid #455a77;background:#1b3454;color:#fff;text-decoration:none;border-radius:8px;padding:15px 18px;margin:12px 0;font-weight:700}.contact-links small{display:block;font-size:11px;color:#c7d4e6}.contact-note{background:white;color:var(--ink);border-radius:9px;padding:26px}.contact-note li{border-bottom:1px solid var(--line);padding:9px 0;font-size:13px}.form-box{background:#fff;color:var(--ink);border-radius:9px;padding:27px;max-width:720px;margin-top:32px}.form-grid{display:grid;grid-template-columns:1fr 1fr;gap:13px}.field.full{grid-column:1/-1}.field label{display:block;font-size:10px;letter-spacing:.08em;font-weight:700;text-transform:uppercase;margin-bottom:5px}.field input,.field select,.field textarea{width:100%;border:1px solid #bfcde0;border-radius:5px;padding:11px;background:white;color:var(--ink)}.field textarea{min-height:100px}.consent{font-size:11px;display:flex;align-items:flex-start;gap:9px;margin:15px 0}.form-notice{font-size:12px;color:#56687f}.footer{background:var(--deep);color:#c2cfdf;padding:36px 0;font-size:11px}.footer strong{color:white}.footer a{color:var(--gold)}.footer p{max-width:1040px}.small-links{display:flex;gap:18px;flex-wrap:wrap}.small-links a{color:var(--gold);text-decoration:none}.subtle{color:#64748b;font-size:12px}.site-alert{background:#fff3ce;color:#604500;padding:12px 18px;text-align:center;font-size:12px}.site-alert strong{font-weight:700}@media(max-width:850px){.nav{flex-wrap:wrap}.mobile-toggle{display:block;margin-left:auto}.navlinks{display:none;width:100%;flex-direction:column;align-items:flex-start;gap:15px;padding:5px 0 18px}.navlinks.open{display:flex}.nav>.btn{display:none}.hero{padding:60px 0}.hero-points,.cards,.cards.two,.split,.two-col,.contact-grid{grid-template-columns:1fr}.section{padding:55px 0}.form-grid{grid-template-columns:1fr}.field.full{grid-column:auto}.hero-points{gap:18px}.hero p.lead{font-size:16px}}