:root {
  --navy: #1B2A4A;
  --navy-dark: #111d33;
  --navy-mid: #243566;
  --gold: #2E7D7D;
  --gold-light: #9FCFCF;
  --paper: #F4F4F6;
  --white: #ffffff;
  --text: #2C2C2C;
  --muted: #666666;
  --line: #dddde3;
  --shadow: 0 22px 70px rgba(17, 29, 51, .14);
  --serif: Georgia, 'Times New Roman', serif;
  --sans: system-ui, -apple-system, 'Segoe UI', sans-serif;
}
* { box-sizing: border-box; }
html { scroll-behavior: smooth; }
body { margin: 0; color: var(--text); background: var(--paper); font-family: var(--sans); font-size: 16px; line-height: 1.7; }
a { color: inherit; }
img { max-width: 100%; }
.wrap { width: min(1160px, calc(100% - 40px)); margin-inline: auto; }
.skip { position: fixed; left: 12px; top: -100px; z-index: 100; background: white; padding: 10px 14px; }
.skip:focus { top: 12px; }
.topbar { background: var(--navy-dark); color: #e8edf4; font-size: .86rem; }
.topbar .wrap { display: flex; justify-content: space-between; gap: 20px; padding-block: 8px; }
.topbar a { text-decoration: none; }
.topbar a:hover { color: white; }
.header { position: sticky; top: 0; z-index: 20; background: rgba(244,244,246,.96); border-bottom: 1px solid var(--line); backdrop-filter: blur(10px); }
.nav { min-height: 82px; display: flex; align-items: center; gap: 34px; }
.brand { margin-right: auto; text-decoration: none; display: inline-flex; align-items: baseline; font-family: -apple-system, BlinkMacSystemFont, 'Helvetica Neue', Arial, sans-serif; font-weight: 200; font-size: 1.3rem; letter-spacing: .2em; text-transform: uppercase; color: var(--navy-dark); white-space: nowrap; }
.brand-sep { font-weight: 100; color: rgba(17,29,51,.3); margin: 0 .5em; letter-spacing: 0; }
.brand-sub { font-weight: 200; letter-spacing: .2em; color: rgba(17,29,51,.55); }
.footer .brand { color: var(--white); }
.footer .brand-sep { color: rgba(255,255,255,.3); }
.footer .brand-sub { color: rgba(255,255,255,.55); }
.nav-links { display: flex; align-items: center; gap: 25px; }
.nav-links a { font-size: .92rem; font-weight: 650; text-decoration: none; }
.nav-links a:hover, .nav-links a[aria-current='page'] { color: var(--navy); }
.button, .nav-cta { display: inline-flex; align-items: center; justify-content: center; gap: 9px; border: 0; border-radius: 4px; padding: 13px 18px; background: var(--navy); color: white; text-decoration: none; font-weight: 750; line-height: 1.2; transition: .2s ease; }
.button:hover, .nav-cta:hover { background: var(--navy-dark); transform: translateY(-1px); }
.button.secondary { background: transparent; color: var(--navy); border: 1px solid var(--navy); }
.button.secondary:hover { background: var(--navy); color: white; }
.menu { display: none; border: 0; background: transparent; width: 44px; height: 44px; font-size: 1.45rem; }
.hero .button, .page-hero .button, .callout .button { background: var(--white); color: var(--navy-dark); }
.hero .button:hover, .page-hero .button:hover, .callout .button:hover { background: var(--gold-light); color: var(--navy-dark); }
.hero .button.secondary, .page-hero .button.secondary, .callout .button.secondary { background: transparent; color: rgba(255,255,255,.85); border-color: rgba(255,255,255,.35); }
.hero .button.secondary:hover, .page-hero .button.secondary:hover, .callout .button.secondary:hover { background: transparent; color: white; border-color: white; }
.hero { overflow: hidden; position: relative; background: var(--navy); color: white; }
.hero:after { content: ''; position: absolute; inset: 0 0 0 60%; background: linear-gradient(135deg, transparent 0 33%, rgba(184,187,196,.14) 33% 34%, transparent 34% 55%, rgba(17,29,51,.35) 55% 100%); pointer-events: none; }
.hero-grid { min-height: 570px; display: grid; grid-template-columns: minmax(0,1.55fr) minmax(300px,.75fr); gap: 84px; align-items: center; padding-block: 76px; position: relative; z-index: 1; }
.hero-grid > * { min-width: 0; }
.eyebrow { display: inline-flex; align-items: center; gap: 10px; color: var(--gold); letter-spacing: .15em; text-transform: uppercase; font-size: .76rem; font-weight: 800; }
.eyebrow:before { content: ''; width: 30px; height: 1px; background: currentColor; }
h1,h2,h3 { font-family: var(--serif); line-height: 1.13; margin: 0 0 .65em; color: var(--navy); overflow-wrap: break-word; word-break: break-word; hyphens: auto; }
.hero h1, .page-hero h1, .callout h2 { color: white; }
h1 { font-size: clamp(2.55rem, 6vw, 5.25rem); letter-spacing: -.035em; max-width: 850px; overflow-wrap: break-word; word-break: break-word; hyphens: auto; }
h2 { font-size: clamp(2rem, 3.7vw, 3.35rem); letter-spacing: -.025em; }
h3 { font-size: 1.35rem; }
.hero p { max-width: 700px; color: rgba(255,255,255,.75); font-size: 1.12rem; }
.hero-actions { display: flex; flex-wrap: wrap; gap: 12px; margin-top: 28px; }
.brief { background: white; color: var(--text); padding: 31px; border-top: 5px solid var(--gold); box-shadow: var(--shadow); }
.brief h2 { font-size: 1.55rem; }
.brief ul { padding: 0; margin: 22px 0 0; list-style: none; }
.brief li { display: grid; grid-template-columns: 28px 1fr; gap: 8px; border-top: 1px solid var(--line); padding: 11px 0; font-size: .92rem; }
.brief li:before { content: '§'; font-family: var(--serif); color: var(--navy); font-weight: 700; }
.section { padding-block: 92px; }
.section.white { background: white; }
.section-head { display: grid; grid-template-columns: .7fr 1.3fr; gap: 70px; margin-bottom: 44px; align-items: end; }
.section-head p { margin: 0; color: var(--muted); max-width: 690px; }
.cards { display: grid; grid-template-columns: repeat(3,minmax(0,1fr)); gap: 18px; }
.cards.two { grid-template-columns: repeat(2,minmax(0,1fr)); }
.card { background: white; border: 1px solid var(--line); padding: 30px; text-decoration: none; transition: .22s ease; min-height: 230px; min-width: 0; }
.card:hover { transform: translateY(-4px); box-shadow: var(--shadow); border-color: transparent; }
.card-number { color: var(--gold); font-family: var(--serif); font-size: 1rem; margin-bottom: 34px; }
.card-icon { width: 42px; height: 42px; margin-bottom: 22px; color: var(--gold); fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.icon-heading { display: flex; align-items: center; gap: 12px; }
.heading-icon { width: 30px; height: 30px; flex: 0 0 auto; color: var(--gold); fill: none; stroke: currentColor; stroke-width: 2.2; stroke-linecap: round; stroke-linejoin: round; }
.card p { color: var(--muted); margin-bottom: 0; font-size: .94rem; }
.callout { display: grid; grid-template-columns: 1.25fr .75fr; background: var(--navy); color: white; }
.callout-copy { padding: 60px; }
.callout-copy p { color: rgba(255,255,255,.75); max-width: 700px; }
.callout-aside { padding: 55px; background: rgba(0,0,0,.16); display: flex; flex-direction: column; justify-content: center; }
.callout-aside a { font-weight: 800; font-size: 1.1rem; text-decoration: none; margin-top: 8px; color: var(--gold-light); }
.steps { counter-reset: steps; display: grid; grid-template-columns: repeat(3,1fr); gap: 38px; }
.step { position: relative; padding-top: 54px; }
.step:before { counter-increment: steps; content: '0' counter(steps); position: absolute; top: 0; color: var(--navy); font-family: var(--serif); font-size: 1.3rem; border-bottom: 2px solid var(--gold); }
.step p { color: var(--muted); }
.page-hero { padding-block: 85px 70px; background: var(--navy); color: white; }
.page-hero h1 { font-size: clamp(2.4rem, 5vw, 4.5rem); }
.page-hero p { color: rgba(255,255,255,.75); max-width: 760px; font-size: 1.08rem; }
.breadcrumbs { color: rgba(255,255,255,.55); font-size: .83rem; margin-bottom: 30px; }
.breadcrumbs a { color: rgba(255,255,255,.8); text-decoration: none; }
.article-layout { display: grid; grid-template-columns: minmax(0,1fr) 310px; gap: 72px; align-items: start; }
.article { max-width: 790px; }
.article h2 { font-size: 2rem; margin-top: 1.65em; }
.article h3 { margin-top: 1.5em; }
.article p, .article li { color: var(--text); }
.article li { margin-bottom: 8px; }
.article .lead { font-size: 1.18rem; color: var(--navy); }
.note { border-left: 4px solid var(--gold); background: #eeeef1; padding: 22px 25px; margin-block: 30px; }
.sidebar { position: sticky; top: 115px; }
.sidebox { background: white; border: 1px solid var(--line); padding: 25px; margin-bottom: 18px; }
.sidebox h3 { font-size: 1.2rem; }
.sidebox a { color: var(--navy); font-weight: 700; }
.checklist { padding-left: 0; list-style: none; }
.checklist li { position: relative; padding-left: 28px; }
.checklist li:before { content: '✓'; position: absolute; left: 0; color: var(--gold); font-weight: 900; }
.faq { border-top: 1px solid var(--line); }
.faq details { border-bottom: 1px solid var(--line); padding: 18px 0; }
.faq summary { cursor: pointer; font-family: var(--serif); font-size: 1.18rem; font-weight: 700; padding-right: 30px; color: var(--navy); }
.faq p { margin-bottom: 0; }
.legal { max-width: 850px; }
.legal h2 { font-size: 1.65rem; margin-top: 2em; }
.footer { background: var(--navy-dark); color: #d5dbe4; padding-block: 65px 25px; }
.footer-grid { display: grid; grid-template-columns: 1.25fr 1fr 1fr; gap: 50px; }
.footer h3 { color: white; font-size: 1.1rem; }
.footer p, .footer a { color: #aeb9c7; }
.footer a { text-decoration: none; }
.footer a:hover { color: white; }
.footer-bottom { border-top: 1px solid #293447; margin-top: 40px; padding-top: 20px; font-size: .8rem; color: #8f9bab; display: flex; justify-content: space-between; gap: 25px; }
.contact-strip { background: var(--paper); border-top: 1px solid var(--line); padding: 25px 0; }
.contact-strip .wrap { display: flex; align-items: center; justify-content: space-between; gap: 30px; }
@media (max-width: 1180px) {
  .menu { display: block; }
  .nav-cta { display: none; }
  .nav-links { display: none; position: absolute; inset: 82px 0 auto; background: var(--paper); border-bottom: 1px solid var(--line); padding: 24px 20px; flex-direction: column; align-items: flex-start; }
  .nav-links.open { display: flex; }
}
@media (max-width: 900px) {
  .topbar .wrap span:first-child { display: none; }
  .topbar .wrap { justify-content: flex-end; }
  .hero-grid, .article-layout { grid-template-columns: 1fr; }
  .hero-grid { gap: 30px; min-height: auto; }
  .brief { max-width: 560px; }
  .section-head { grid-template-columns: 1fr; gap: 10px; }
  .cards { grid-template-columns: repeat(2,1fr); }
  .callout { grid-template-columns: 1fr; }
  .steps { grid-template-columns: 1fr; gap: 15px; }
  .sidebar { position: static; }
}
@media (max-width: 620px) {
  .wrap { width: min(100% - 28px, 1160px); }
  .brand { flex-direction: column; align-items: flex-start; gap: 1px; }
  .brand-sep { display: none; }
  .brand-sub { display: block; font-size: .56rem; }
  .hero-grid, .section, .page-hero { padding-block: 62px; }
  .cards, .cards.two, .footer-grid { grid-template-columns: 1fr; }
  .card { min-height: 0; }
  .callout-copy, .callout-aside { padding: 34px 25px; }
  .contact-strip .wrap, .footer-bottom { align-items: flex-start; flex-direction: column; }
}
@media (prefers-reduced-motion: reduce) { html { scroll-behavior: auto; } * { transition: none !important; } }