:root{--navy:#14232d;--ink:#1e2b33;--muted:#64727a;--gold:#c9a45c;--cream:#f5f1e8;--white:#fff;--line:#e4e7e8;--max:1180px}
*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;font-family:Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.65;background:#fafafa}a{color:inherit}.wrap{max-width:var(--max);margin:auto;padding:0 24px}.top{background:var(--navy);color:#fff;font-size:14px}.top .wrap{display:flex;justify-content:space-between;gap:20px;padding-top:9px;padding-bottom:9px}.top a{color:#fff;text-decoration:none;font-weight:700}.nav{position:sticky;top:0;z-index:20;background:#fff;border-bottom:1px solid var(--line);box-shadow:0 3px 14px rgba(0,0,0,.04)}.navin{min-height:78px;display:flex;align-items:center;gap:28px}.brand{text-decoration:none;font-family:Georgia,serif;font-size:24px;font-weight:700;color:var(--navy);line-height:1.05}.brand small{display:block;font-family:Arial,sans-serif;font-size:11px;letter-spacing:.08em;text-transform:uppercase;color:var(--muted);margin-top:5px}.links{display:flex;align-items:center;gap:17px;margin-left:auto;font-size:14px;font-weight:600}.links a{text-decoration:none}.links a:not(.btn):hover{color:#9b7a35}.btn{display:inline-block;padding:12px 18px;border:1px solid var(--navy);background:var(--navy);color:#fff!important;text-decoration:none;border-radius:4px;font-weight:700}.btn.gold{background:var(--gold);border-color:var(--gold);color:#17242c!important}.btn.light{background:#fff;color:var(--navy)!important}.mobile{display:none}.hero{background:linear-gradient(115deg,#14232d 0%,#243d4b 62%,#354c59 100%);color:#fff;padding:92px 0 96px}.hero .wrap{max-width:1100px}.eyebrow,.kicker{font-size:12px;text-transform:uppercase;letter-spacing:.14em;font-weight:800;color:var(--gold);margin-bottom:14px}.hero h1{font-family:Georgia,serif;font-size:clamp(40px,6vw,72px);line-height:1.06;margin:0 0 22px;max-width:950px}.hero p{font-size:20px;max-width:820px;color:#edf1f3;margin:0 0 28px}.hero-actions{display:flex;gap:12px;flex-wrap:wrap}.section{padding:72px 0}.section.white{background:#fff}.section.cream{background:var(--cream)}h2{font-family:Georgia,serif;font-size:38px;line-height:1.15;color:var(--navy);margin:0 0 20px}h3{font-size:20px;color:var(--navy);margin-top:0}.lead{font-size:19px;color:#46545c;max-width:850px}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:18px;margin-top:30px}.card{background:#fff;border:1px solid var(--line);padding:26px;border-radius:8px;box-shadow:0 8px 24px rgba(20,35,45,.04)}.section:not(.white) .card{background:#fff}.card p{margin-bottom:0;color:#536168}.article{max-width:930px}.article p{font-size:17px}.article h2{margin-top:45px}.breadcrumbs{font-size:13px;color:var(--muted);padding-top:18px}.linksline{display:flex;gap:12px;flex-wrap:wrap;margin-top:25px}.cta{background:var(--navy);color:#fff;padding:58px 0}.cta h2{color:#fff}.cta p{font-size:18px}.footer{background:#101b22;color:#d9e0e4;padding:55px 0 25px}.footergrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:40px}.footer .brand{color:#fff}.footer a{color:#fff}.footer p{color:#b9c3c9}.legal{font-size:13px;border-top:1px solid #33414a;margin-top:30px;padding-top:18px;color:#9eabb2}.notice{padding:18px 20px;background:#fff7e7;border-left:4px solid var(--gold);margin:25px 0}.faq details{background:#fff;border:1px solid var(--line);padding:17px 20px;margin:10px 0;border-radius:6px}.faq summary{font-weight:700;color:var(--navy);cursor:pointer}.pill{display:inline-block;border:1px solid #d9c28d;border-radius:30px;padding:7px 12px;margin:4px 5px 4px 0;background:#fff}.contactbox{background:var(--cream);padding:30px;border-radius:8px}.contactbox strong{color:var(--navy)}@media(max-width:900px){.links{display:none}.mobile{display:block;margin-left:auto;font-size:25px}.grid{grid-template-columns:1fr 1fr}.footergrid{grid-template-columns:1fr 1fr}}@media(max-width:600px){.top .wrap{font-size:12px}.hero{padding:65px 0}.hero p{font-size:17px}.section{padding:52px 0}h2{font-size:31px}.grid,.footergrid{grid-template-columns:1fr}.wrap{padding:0 18px}}