:root{--navy:#14284B;--slate:#4B5A6B;--gold:#C49A45;--mist:#F3F4F6;--line:#E2E6EB;--ink:#1F2937}
*{box-sizing:border-box}html{scroll-behavior:smooth}
body{margin:0;font-family:Inter,"Segoe UI",system-ui,-apple-system,Helvetica,Arial,sans-serif;color:var(--ink);line-height:1.6;font-size:17px;background:#fff}
a{color:var(--navy)}a:hover{color:var(--gold)}
.skip{position:absolute;left:-999px}.skip:focus{left:10px;top:10px;background:#fff;padding:8px;z-index:9}
.top{display:flex;align-items:center;gap:20px;flex-wrap:wrap;padding:14px 6%;border-bottom:4px solid var(--gold);background:#fff;position:sticky;top:0;z-index:5}
.brand img{height:52px;width:auto;display:block}
nav{margin-left:auto;display:flex;align-items:center;gap:6px 18px;flex-wrap:wrap}nav a{text-decoration:none;font-weight:600;color:var(--navy)}nav a[aria-current]{color:var(--gold)}
.btn{display:inline-block;background:var(--navy);color:#fff!important;padding:12px 20px;border-radius:6px;text-decoration:none;font-weight:700;border:2px solid var(--navy);cursor:pointer;font-size:16px}
.btn:hover{background:var(--gold);border-color:var(--gold)}.btn.ghost{background:transparent;color:var(--navy)!important}.btn.sm{padding:8px 14px;font-size:14px}
.wrap{max-width:1120px;margin:0 auto;padding:0 6%}
.hero{background:linear-gradient(135deg,var(--navy),#1F3A66);color:#fff;padding:72px 0}.hero.sm{padding:44px 0}
.hero h1{font-size:clamp(1.9rem,4vw,2.8rem);line-height:1.15;margin:0 0 14px;max-width:820px}.hero .lead{font-size:1.15rem;max-width:760px;color:#DCE3EC}
.hero .btn.ghost{color:#fff!important;border-color:#fff}.eyebrow{color:var(--gold);font-weight:700;letter-spacing:.06em;text-transform:uppercase;font-size:.85rem;margin:0 0 10px}
section{padding:48px 0}section.alt{background:var(--mist)}
h2{color:var(--navy);font-size:1.6rem;margin:0 0 18px;padding-bottom:6px;border-bottom:3px solid var(--gold);display:inline-block}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(260px,1fr));gap:18px}
.card{background:#fff;border:1px solid var(--line);border-top:4px solid var(--gold);border-radius:8px;padding:20px 22px}.card h3{margin:0 0 6px;color:var(--navy)}.card p{margin:0}
.two{display:grid;grid-template-columns:repeat(auto-fit,minmax(320px,1fr));gap:22px}
.steps li{margin:8px 0}
table.data{border-collapse:collapse;width:100%;margin:0 0 22px;background:#fff}table.data th,table.data td{border:1px solid var(--line);padding:10px 14px;text-align:left;vertical-align:top}table.data th{background:var(--mist);color:var(--navy);width:220px}
.faq dt{font-weight:700;color:var(--navy);margin-top:18px}.faq dd{margin:4px 0 0}
.muted{color:var(--slate)}.small{font-size:.85rem}
form label{display:block;font-weight:600;margin:10px 0;color:var(--navy)}form input,form select,form textarea{display:block;width:100%;margin-top:4px;padding:10px;border:1px solid #B9C2CE;border-radius:6px;font:inherit}
fieldset{border:1px solid var(--line);border-radius:6px;margin:10px 0;padding:8px 12px}legend{font-weight:600;color:var(--navy)}label.chk{font-weight:400;color:var(--ink);margin:4px 0}label.chk input{display:inline;width:auto;margin-right:6px}
footer{background:var(--navy);color:#DCE3EC;padding:28px 6% 14px;font-size:.95rem}footer a{color:#fff}.fwrap{display:flex;gap:30px;flex-wrap:wrap;justify-content:space-between;max-width:1120px;margin:0 auto}.fine{text-align:center;color:#9FB0C4;font-size:.8rem;margin-top:18px}
@media (max-width:700px){nav{margin-left:0}.brand img{height:42px}table.data th{width:120px}}
.hp{position:absolute!important;left:-10000px!important;width:1px;height:1px;overflow:hidden}
.prose{max-width:820px}.prose h2{margin-top:26px}.prose li{margin:6px 0}
.fine a{color:#DCE3EC}
#formmsg{min-height:1.2em;font-weight:600;color:var(--navy)}
@media print{.top nav,.skip,footer .fine a{display:none}}