:root{--navy:#0B1F3A;--navy2:#132C52;--gold:#C9A45C;--gold2:#B08A3E;--ink:#1B2430;--muted:#5B6677;--line:#E4E7EC;--bg:#F7F6F2;--white:#fff;--r:14px;--max:1160px}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:-apple-system,BlinkMacSystemFont,"Segoe UI",Inter,Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--white);line-height:1.6;font-size:17px;-webkit-font-smoothing:antialiased}
img,svg{max-width:100%;display:block}a{color:var(--navy2)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.15;margin:0 0 .5em}
h1{font-size:clamp(2.1rem,5.5vw,3.6rem);letter-spacing:-.01em}h2{font-size:clamp(1.6rem,3.5vw,2.4rem)}h3{font-size:1.25rem}
p{margin:0 0 1em}.wrap{max-width:var(--max);margin:0 auto;padding:0 22px}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:99}
.topbar{background:var(--navy);color:#cfd6e2;font-size:.85rem}.topbar .wrap{display:flex;gap:16px;justify-content:space-between;align-items:center;padding-top:7px;padding-bottom:7px;flex-wrap:wrap}.topbar a{color:#fff;text-decoration:none}
header.site{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.96);backdrop-filter:saturate(180%) blur(8px);border-bottom:1px solid var(--line)}
header.site .wrap{display:flex;align-items:center;justify-content:space-between;height:72px}
.brand img{height:38px;width:auto}
nav.main ul{list-style:none;margin:0;padding:0;display:flex;gap:26px;align-items:center}
nav.main a{text-decoration:none;color:var(--ink);font-weight:550;font-size:.97rem}nav.main a:hover,nav.main a[aria-current]{color:var(--gold2)}
.btn{display:inline-block;background:var(--gold);color:var(--navy)!important;font-weight:700;text-decoration:none;padding:13px 22px;border-radius:10px;border:0;cursor:pointer;font-size:1rem;transition:.15s}
.btn:hover{background:#d8b56f;transform:translateY(-1px)}.btn.ghost{background:transparent;border:1.5px solid rgba(255,255,255,.6);color:#fff!important}.btn.dark{background:var(--navy);color:#fff!important}
.menu-toggle{display:none;background:none;border:0;font-size:1.6rem;color:var(--navy)}
@media(max-width:900px){.menu-toggle{display:block}nav.main{display:none;position:absolute;top:72px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}nav.main.open{display:block}nav.main ul{flex-direction:column;align-items:flex-start;padding:16px 22px;gap:14px}}
.hero{background:radial-gradient(1200px 500px at 80% -10%,#1d3d6e 0,transparent 60%),linear-gradient(160deg,var(--navy) 0,#0E2647 100%);color:#e8edf5;padding:88px 0 96px;position:relative;overflow:hidden}
.hero h1{color:#fff}.hero .eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;font-weight:700}
.hero p.lead{font-size:1.2rem;max-width:640px;color:#c9d3e3}.hero .ctas{display:flex;gap:12px;flex-wrap:wrap;margin-top:28px}
.hero .lic{margin-top:26px;font-size:.88rem;color:#9fb0c9}
.hero-grid{display:grid;grid-template-columns:1.25fr .9fr;gap:48px;align-items:center}
.hero-card{background:rgba(255,255,255,.06);border:1px solid rgba(255,255,255,.14);border-radius:18px;padding:28px}
.hero-card h3{color:#fff;font-family:inherit;font-size:1.05rem}.hero-card ul{margin:0;padding-left:0;list-style:none}.hero-card li{padding:9px 0;border-bottom:1px solid rgba(255,255,255,.1);display:flex;gap:10px}.hero-card li:last-child{border:0}.hero-card li:before{content:"";flex:0 0 8px;height:8px;margin-top:9px;border-radius:2px;background:var(--gold)}
@media(max-width:900px){.hero{padding:56px 0 64px}.hero-grid{grid-template-columns:1fr;gap:32px}}
section{padding:80px 0}section.alt{background:var(--bg)}.center{text-align:center}.sub{color:var(--muted);max-width:720px}.center .sub{margin:0 auto 40px}
.grid{display:grid;gap:22px}.g3{grid-template-columns:repeat(3,1fr)}.g2{grid-template-columns:repeat(2,1fr)}.g4{grid-template-columns:repeat(4,1fr)}
@media(max-width:900px){.g3,.g4{grid-template-columns:1fr 1fr}}@media(max-width:620px){.g3,.g2,.g4{grid-template-columns:1fr}section{padding:56px 0}}
.card{background:#fff;border:1px solid var(--line);border-radius:var(--r);padding:26px;transition:.2s;text-decoration:none;color:inherit;display:block}
a.card:hover{border-color:var(--gold);box-shadow:0 12px 30px -12px rgba(11,31,58,.25);transform:translateY(-2px)}
.card .ic{width:44px;height:44px;border-radius:10px;background:var(--navy);display:grid;place-items:center;margin-bottom:14px}.card .ic svg{width:24px;height:24px;stroke:var(--gold);fill:none;stroke-width:1.8}
.card p{color:var(--muted);margin:0}.card .more{display:inline-block;margin-top:12px;font-weight:650;color:var(--gold2)}
.steps{counter-reset:s}.step{position:relative;padding-left:58px}.step:before{counter-increment:s;content:counter(s);position:absolute;left:0;top:0;width:40px;height:40px;border-radius:50%;background:var(--gold);color:var(--navy);font-weight:800;display:grid;place-items:center}
.band{background:var(--navy);color:#dfe6f1;border-radius:20px;padding:44px;display:flex;justify-content:space-between;align-items:center;gap:24px;flex-wrap:wrap}.band h2{color:#fff;margin:0}
.page-hero{background:linear-gradient(160deg,var(--navy),#0E2647);color:#cdd6e4;padding:64px 0}.page-hero h1{color:#fff}.page-hero .eyebrow{color:var(--gold);text-transform:uppercase;letter-spacing:.16em;font-size:.8rem;font-weight:700}
.prose{max-width:780px}.prose h2{margin-top:1.6em;font-size:1.6rem}.prose ul{padding-left:1.2em}.prose li{margin:.35em 0}
.two{display:grid;grid-template-columns:1.4fr .8fr;gap:48px}@media(max-width:900px){.two{grid-template-columns:1fr}}
.aside{background:var(--bg);border-radius:var(--r);padding:26px;border:1px solid var(--line);align-self:start;position:sticky;top:96px}
.check{list-style:none;padding:0}.check li{padding-left:28px;position:relative}.check li:before{content:"✓";position:absolute;left:0;color:var(--gold2);font-weight:800}
form .row{display:grid;grid-template-columns:1fr 1fr;gap:16px}@media(max-width:620px){form .row{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:.92rem;margin:0 0 6px}input,select,textarea{width:100%;padding:12px 14px;border:1px solid #cdd3dc;border-radius:10px;font:inherit;background:#fff;margin-bottom:16px}
input:focus,select:focus,textarea:focus{outline:2px solid var(--gold);border-color:var(--gold)}.fine{font-size:.82rem;color:var(--muted)}
.notice{background:#FFF8E6;border:1px solid #EFD9A0;border-radius:10px;padding:14px 16px;font-size:.92rem}
footer.site{background:#081629;color:#a9b5c7;padding:56px 0 28px;font-size:.93rem}footer.site a{color:#dfe6f1;text-decoration:none}footer.site h4{color:#fff;margin:0 0 12px;font-size:.95rem;letter-spacing:.06em;text-transform:uppercase}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr 1fr;gap:32px}@media(max-width:900px){.fgrid{grid-template-columns:1fr 1fr}}@media(max-width:560px){.fgrid{grid-template-columns:1fr}}
footer ul{list-style:none;margin:0;padding:0}footer li{margin:6px 0}.legal{border-top:1px solid #1c2c45;margin-top:36px;padding-top:20px;font-size:.82rem;line-height:1.55}
.social{display:flex;gap:12px;margin-top:14px}.social a{width:36px;height:36px;border-radius:8px;background:#14243d;display:grid;place-items:center}.social svg{width:18px;height:18px;fill:#dfe6f1}