:root{--navy:#0c235c;--navy2:#143275;--gold:#c28f1e;--gold2:#e2b446;--bg:#fbfaf7;--ink:#1c2233;--muted:#5a6275;--line:#e4e0d6;--card:#ffffff}
*{box-sizing:border-box}
html{scroll-behavior:smooth}
body{margin:0;background:var(--bg);color:var(--ink);font:17px/1.65 Georgia,"Times New Roman",serif;-webkit-font-smoothing:antialiased}
img{max-width:100%;height:auto}
a{color:var(--navy2)}
a:hover{color:var(--gold)}
.skip{position:absolute;left:-999px}
.skip:focus{left:12px;top:12px;background:#fff;padding:8px 12px;border:2px solid var(--navy);z-index:10}
.wrap{max-width:1080px;margin:0 auto;padding:0 20px}
.site-header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:5}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.brand{display:flex;align-items:center;gap:12px;text-decoration:none}
.brand img{display:block;height:52px;width:52px}
.brand span{font-family:Georgia,serif;font-size:19px;letter-spacing:.14em;color:var(--navy);white-space:nowrap}
.brand b{font-weight:400}
.brand i{font-style:normal;color:var(--gold)}
nav{display:flex;gap:6px 22px;flex-wrap:wrap;font-family:system-ui,-apple-system,"Segoe UI",sans-serif;font-size:15px}
nav a{text-decoration:none;color:var(--navy);padding:6px 0;border-bottom:2px solid transparent}
nav a:hover,nav a[aria-current=page]{border-color:var(--gold);color:var(--navy)}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--navy);line-height:1.2;margin:0 0 .5em}
h1{font-size:clamp(30px,5vw,48px)}
h2{font-size:clamp(22px,3vw,30px);margin-top:1.4em}
h3{font-size:22px}
.eyebrow{font-family:system-ui,sans-serif;font-size:12px;letter-spacing:.22em;text-transform:uppercase;color:var(--gold);font-weight:600;margin:0 0 10px}
.hero{background:linear-gradient(160deg,var(--navy) 0%,#10307a 100%);color:#fff;padding:72px 0 64px}
.hero h1{color:#fff;max-width:18ch}
.hero .eyebrow{color:var(--gold2)}
.lead{font-size:1.2em;color:inherit;max-width:62ch}
.hero .lead{color:#dbe3f6}
.section{padding:48px 20px}
.section h1{margin-bottom:.4em}
.btn{display:inline-block;background:var(--gold);color:#fff;text-decoration:none;font-family:system-ui,sans-serif;font-weight:600;padding:11px 22px;border-radius:6px;margin:4px 8px 4px 0;border:2px solid var(--gold)}
.btn:hover{background:#a97a14;border-color:#a97a14;color:#fff}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.7)}
.btn.ghost:hover{background:rgba(255,255,255,.12);color:#fff}
.section .btn.ghost{color:var(--navy);border-color:var(--navy)}
.cards{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:22px;margin-top:22px}
.card{background:var(--card);border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:22px 22px 8px;box-shadow:0 1px 2px rgba(12,35,92,.05)}
.card p{color:var(--muted);margin:.4em 0}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(300px,1fr));gap:36px}
.ticks{padding-left:0;list-style:none}
.ticks li{position:relative;padding-left:26px;margin:.55em 0}
.ticks li:before{content:"";position:absolute;left:3px;top:.62em;width:10px;height:10px;border-radius:50%;background:var(--gold)}
.prose{max-width:780px}
.facts{display:grid;grid-template-columns:minmax(150px,220px) 1fr;gap:10px 22px;margin:18px 0}
.facts dt{font-family:system-ui,sans-serif;font-size:13px;letter-spacing:.06em;text-transform:uppercase;color:var(--muted);padding-top:3px}
.facts dd{margin:0}
.note,.meta{color:var(--muted);font-size:.95em}
.site-footer{background:var(--navy);color:#cfd8ee;margin-top:48px;padding:40px 0 22px;font-family:system-ui,-apple-system,"Segoe UI",sans-serif;font-size:15px;line-height:1.6}
.site-footer a{color:#fff}
.site-footer h2{font-family:Georgia,serif;color:#fff;font-size:18px;margin:0 0 .5em}
.site-footer ul{list-style:none;padding:0;margin:0}
.site-footer li{margin:.3em 0}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(210px,1fr));gap:28px}
.legal{border-top:1px solid rgba(255,255,255,.18);margin-top:28px;padding-top:16px;font-size:13.5px;color:#aab6d6}
@media (max-width:640px){.facts{grid-template-columns:1fr}.facts dt{padding-top:10px}.hero{padding:48px 0 44px}.brand img{height:44px;width:44px}.brand span{font-size:15px}}
@media (prefers-reduced-motion:reduce){html{scroll-behavior:auto}}