*{box-sizing:border-box}html{scroll-behavior:smooth}
:root{--navy:#0a355d;--navy2:#07243e;--gold:#d3a53a;--gold2:#efc96f;--ink:#18222c;--muted:#f3f4f6;--line:#dde2e7;--white:#fff;--green:#1d8d50;--max:1180px}
body{margin:0;font-family:Inter,Arial,Helvetica,sans-serif;color:var(--ink);line-height:1.6;background:#fff}
a{color:inherit}.container{width:min(var(--max),calc(100% - 40px));margin:auto}.narrow{width:min(860px,calc(100% - 40px));margin:auto}
.topbar{background:var(--navy2);color:#dce7f0;font-size:13px}.topbar .container{display:flex;justify-content:flex-end;gap:22px;padding:7px 0}.topbar a{text-decoration:none}
.site-header{position:sticky;top:0;z-index:50;background:rgba(255,255,255,.97);border-bottom:1px solid var(--line);backdrop-filter:blur(10px)}
.nav{min-height:82px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:flex;align-items:center;gap:13px;text-decoration:none}.brand img{width:58px;height:58px}.brand strong{display:block;color:var(--navy);font-family:Georgia,serif;font-size:20px}.brand span{display:block;color:#65717c;font-size:12px}
.navlinks{display:flex;align-items:center;gap:22px}.navlinks a{text-decoration:none;color:var(--navy);font-weight:700;font-size:14px}.navlinks a:hover{color:#a77711}.menu{display:none;background:transparent;border:0;font-size:26px;color:var(--navy)}
.hero{position:relative;overflow:hidden;background:linear-gradient(115deg,#071f34,#0a355d 54%,#112d43);color:#fff;padding:96px 0 88px}
.hero:before{content:"";position:absolute;inset:0;background:radial-gradient(circle at 82% 18%,rgba(211,165,58,.26),transparent 26%),linear-gradient(rgba(255,255,255,.035) 1px,transparent 1px),linear-gradient(90deg,rgba(255,255,255,.035) 1px,transparent 1px);background-size:auto,34px 34px,34px 34px}
.hero .container{position:relative;z-index:1}.hero-copy{max-width:780px}.eyebrow{text-transform:uppercase;letter-spacing:.14em;font-size:12px;font-weight:900;color:var(--gold);margin:0 0 12px}
h1,h2,h3{line-height:1.13;margin-top:0}h1{font-family:Georgia,serif;font-size:clamp(42px,6vw,72px);margin-bottom:20px}h2{font-family:Georgia,serif;color:var(--navy);font-size:clamp(31px,4vw,50px)}h3{color:var(--navy);font-size:22px}
.hero p.lead{font-size:21px;color:#e7eef5;max-width:740px}.cta-row{display:flex;flex-wrap:wrap;gap:12px;margin:28px 0 18px}
.btn{display:inline-block;text-decoration:none;font-weight:900;padding:14px 20px;border-radius:4px;border:1px solid transparent;transition:.18s}.btn-primary{background:var(--gold);color:#142638}.btn-primary:hover{background:var(--gold2);transform:translateY(-1px)}.btn-outline{color:#fff;border-color:#a9bdcf}.btn-outline:hover{border-color:#fff}
.microtrust{display:flex;flex-wrap:wrap;gap:18px;list-style:none;padding:0;margin:24px 0 0;color:#dce7f0;font-size:14px}.microtrust li:before{content:"✓";color:var(--gold);font-weight:900;margin-right:7px}
.section{padding:84px 0}.muted{background:var(--muted)}.heading{max-width:780px;margin-bottom:40px}.heading p:last-child{color:#58636e}.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}.card{border:1px solid var(--line);background:#fff;padding:28px;border-radius:7px;display:flex;flex-direction:column;min-height:290px}.card .num{font-family:Georgia,serif;color:#b58417;font-weight:800;margin-bottom:20px}.card p{color:#54606b}.card a{margin-top:auto;text-decoration:none;color:var(--navy);font-weight:900}
.split{display:grid;grid-template-columns:1fr 1fr;gap:64px;align-items:start}.panel{background:#fff;border:1px solid var(--line);padding:30px;border-radius:7px}.checklist{padding:0;list-style:none}.checklist li{margin:10px 0}.checklist li:before{content:"✓";color:#a77711;font-weight:900;margin-right:10px}
.page-hero{padding:70px 0 62px;background:linear-gradient(115deg,#071f34,#0a355d);color:white}.page-hero h1{font-size:clamp(38px,5vw,60px);max-width:900px}.page-hero .lead{font-size:20px;color:#e6eef5;max-width:800px}
.breadcrumb{font-size:13px;color:#c7d5e1;margin-bottom:20px}.breadcrumb a{color:#fff}
.content h2{margin-top:42px;font-size:34px}.content h3{margin-top:26px}.content p,.content li{color:#46515c}.content ul{padding-left:22px}
.callout{border-left:4px solid var(--gold);background:#fbf7ed;padding:18px 22px;margin:26px 0}.cta-band{background:var(--navy2);color:#fff;padding:48px 0}.cta-band h2{color:#fff;margin-bottom:10px}.cta-band p{color:#dce7f0}
.faq details{border-bottom:1px solid var(--line);padding:17px 0}.faq summary{cursor:pointer;color:var(--navy);font-weight:900;font-size:18px}.faq details p{color:#53606c}
.contact-card{background:#fff;border:1px solid var(--line);padding:30px;border-radius:7px}.contact-card p{margin:8px 0}.contact-card a:not(.btn){color:var(--navy)}
.site-footer{background:#071f34;color:#dce7f0;padding:38px 0}.footer-grid{display:grid;grid-template-columns:1.1fr .9fr;gap:30px}.footer-logo{display:flex;gap:13px;align-items:center}.footer-logo img{width:52px;height:52px}.small{font-size:12px;color:#9fb1bf}
.wa-float{position:fixed;z-index:45;right:20px;bottom:20px;background:var(--green);color:#fff;text-decoration:none;font-weight:900;padding:13px 18px;border-radius:999px;box-shadow:0 10px 30px rgba(0,0,0,.2)}
.notice{font-size:13px;color:#68737e}.tag{display:inline-block;background:#eef3f8;color:var(--navy);font-weight:800;font-size:12px;padding:6px 9px;border-radius:999px;margin:3px}
@media(max-width:860px){.topbar{display:none}.menu{display:block}.navlinks{display:none;position:absolute;left:0;right:0;top:82px;background:#fff;flex-direction:column;align-items:flex-start;padding:22px;border-bottom:1px solid var(--line)}.navlinks.open{display:flex}.brand span{display:none}.grid3,.split,.footer-grid{grid-template-columns:1fr}.split{gap:28px}.hero{padding:72px 0}.section{padding:66px 0}}
@media(max-width:520px){.container,.narrow{width:min(var(--max),calc(100% - 28px))}.brand img{width:50px;height:50px}h1{font-size:40px}.btn{width:100%;text-align:center}.microtrust{display:block}.microtrust li{margin:8px 0}.wa-float{left:14px;right:14px;text-align:center}}