:root{--navy:#071b2d;--navy2:#0b2d49;--gold:#b89a5a;--gold2:#ddc98f;--cream:#f5f1e8;--paper:#fbfaf7;--ink:#14202a;--muted:#5f6c76;--line:#ded9ce;--white:#fff}*{box-sizing:border-box}html{scroll-behavior:smooth}body{margin:0;background:var(--paper);color:var(--ink);font-family:"Segoe UI",Arial,sans-serif}a{color:inherit;text-decoration:none}img{max-width:100%}.wrap{max-width:1220px;margin:auto;padding-left:28px;padding-right:28px}.top{background:var(--navy);color:white}.utility{display:flex;justify-content:space-between;padding-top:9px;padding-bottom:9px;border-bottom:1px solid #ffffff1f;color:#bfcbd3;font-size:12px}.utility a{color:var(--gold2)}.nav{display:flex;align-items:center;justify-content:space-between;min-height:82px}.logo{display:flex;flex-direction:column;line-height:1}.logo b{font:27px Georgia,serif;letter-spacing:.16em}.logo small{color:var(--gold2);font-size:8px;letter-spacing:.42em;margin-top:6px}.navlinks{display:flex;gap:23px;font-size:13px;color:#dbe2e7}.navlinks a:hover{color:var(--gold2)}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:47px;padding:0 21px;background:var(--gold);color:var(--navy);font-size:12px;font-weight:700;letter-spacing:.05em;text-transform:uppercase;border:0;cursor:pointer}.btn:hover{background:var(--gold2)}.btn.outline{background:transparent;color:#fff;border:1px solid #ffffff55}.hero-wrap{background:radial-gradient(circle at 82% 18%,#b89a5a26,transparent 26%),linear-gradient(120deg,var(--navy),#0c3150);color:white}.hero{display:grid;grid-template-columns:1.12fr .88fr;gap:60px;align-items:center;min-height:650px;padding-top:82px;padding-bottom:82px}.kicker{color:var(--gold2);font-size:11px;font-weight:700;letter-spacing:.18em;text-transform:uppercase}.hero h1,.pagehero h1{font:400 clamp(42px,5.2vw,72px)/1.05 Georgia,serif;margin:17px 0 23px}.lead{color:#ced8df;font:19px/1.68 Georgia,serif;max-width:760px}.actions{display:flex;gap:15px;flex-wrap:wrap;margin-top:30px}.priority{border:1px solid #d9c48f55;background:#04142299;padding:24px}.priority>a{display:grid;grid-template-columns:34px 1fr 18px;gap:10px;align-items:center;min-height:77px;border-top:1px solid #ffffff20}.priority>a:first-of-type{border-top:0}.priority span,.priority i{color:var(--gold2);font-style:normal}.priority strong{font:18px Georgia,serif}.trust{display:grid;grid-template-columns:repeat(4,1fr);background:white;border-bottom:1px solid var(--line)}.trust div{padding:25px 28px;border-right:1px solid var(--line)}.trust strong{display:block;font:16px Georgia,serif}.trust small{color:var(--muted)}.section{padding-top:90px;padding-bottom:90px}.heading{display:grid;grid-template-columns:1.05fr .95fr;gap:65px;align-items:end;margin-bottom:42px}.heading h2,.split h2,.cta h2,.prose h2{font:400 clamp(34px,4vw,52px)/1.1 Georgia,serif;margin:13px 0 0}.heading>p,.split p{color:var(--muted);font:17px/1.7 Georgia,serif}.grid4{display:grid;grid-template-columns:repeat(4,1fr);gap:15px}.card{display:flex;flex-direction:column;min-height:300px;padding:27px;background:white;border:1px solid var(--line);transition:.18s}.card:hover{border-color:var(--gold);transform:translateY(-2px)}.card small{color:#856a35;font-weight:700;letter-spacing:.13em;text-transform:uppercase}.card h3{font:25px/1.18 Georgia,serif;margin:40px 0 13px}.card p{color:var(--muted);font-size:14px;line-height:1.65}.card b{margin-top:auto;padding-top:17px;border-top:1px solid var(--line);font-size:11px;text-transform:uppercase}.card.featured{background:var(--navy);color:#fff}.card.featured p{color:#bdc9d2}.band{background:var(--navy);color:white}.split{display:grid;grid-template-columns:1fr 1fr;gap:80px;align-items:center}.checks{display:grid;gap:0}.checks div{padding:19px 0;border-bottom:1px solid #ffffff20}.checks strong{font:19px Georgia,serif}.checks p{margin:5px 0 0;color:#abbac4;font:14px/1.55 "Segoe UI",Arial}.links-grid{display:grid;grid-template-columns:repeat(3,1fr);border-top:1px solid var(--line)}.links-grid a{display:flex;justify-content:space-between;padding:21px 12px;border-bottom:1px solid var(--line);border-right:1px solid var(--line);font:19px Georgia,serif}.pagehero{background:linear-gradient(120deg,var(--navy),#0c3150);color:white;padding-top:75px;padding-bottom:75px}.breadcrumbs{font-size:12px;color:#b7c4cd;margin-bottom:18px}.content{display:grid;grid-template-columns:minmax(0,1fr) 340px;gap:65px;padding-top:70px;padding-bottom:80px}.prose h2{font-size:36px;margin-top:44px}.prose h2:first-child{margin-top:0}.prose h3{font:25px Georgia,serif;margin-top:32px}.prose p,.prose li{color:var(--muted);font-size:16px;line-height:1.78}.prose ul{padding-left:21px}.notice{background:var(--cream);border-left:3px solid var(--gold);padding:18px 20px;color:var(--muted);font-size:13px;line-height:1.65;margin:28px 0}.side{align-self:start;position:sticky;top:20px;background:white;border:1px solid var(--line);border-top:3px solid var(--gold);padding:27px}.side h2{font:27px Georgia,serif;margin:8px 0 12px}.side p{color:var(--muted);font-size:14px;line-height:1.65}.side .btn{width:100%}.faq{border-top:1px solid var(--line)}details{border-bottom:1px solid var(--line);padding:18px 0}summary{cursor:pointer;font:18px Georgia,serif}details p{margin-bottom:0}.articles{display:grid;grid-template-columns:repeat(3,1fr);gap:15px}.article-card{background:white;border:1px solid var(--line);padding:24px}.article-card h3{font:23px Georgia,serif}.article-card p{color:var(--muted);font-size:14px;line-height:1.6}.cta-wrap{background:var(--cream)}.cta{display:grid;grid-template-columns:1.2fr .8fr;gap:55px;align-items:center;padding-top:70px;padding-bottom:70px}.contactbox{background:white;border-left:3px solid var(--gold);padding:25px}.footer{background:#041522;color:white}.footer-grid{display:grid;grid-template-columns:1.1fr 1fr 1fr 1fr;gap:45px;padding-top:55px;padding-bottom:50px}.footer h3{color:var(--gold2);font-size:11px;letter-spacing:.14em;text-transform:uppercase}.footer p,.footer a{color:#9eacb6;font-size:12px;line-height:1.7}.footer>div:last-child{border-top:1px solid #ffffff18;color:#748691;padding:16px 28px;text-align:center;font-size:10px}.mobile-cta{display:none;position:fixed;left:12px;right:12px;bottom:12px;z-index:50}.skip{position:absolute;left:-9999px}.skip:focus{left:12px;top:12px;z-index:99;background:#fff;padding:10px}.menu-btn{display:none;background:transparent;border:1px solid #ffffff55;color:white;padding:8px 11px}.navlinks.open{display:flex}.hero-note{font-size:11px;color:#aebcc5;margin-top:14px}.metric{font:36px Georgia,serif;color:var(--gold2)}
@media(max-width:930px){.navlinks{display:none;position:absolute;top:92px;left:20px;right:20px;background:var(--navy2);padding:20px;flex-direction:column;z-index:20}.menu-btn{display:block}.nav>.btn{display:none}.hero,.heading,.split,.cta,.content{grid-template-columns:1fr}.hero{min-height:auto}.grid4{grid-template-columns:1fr 1fr}.trust{grid-template-columns:1fr 1fr}.links-grid,.articles{grid-template-columns:1fr 1fr}.side{position:static}.footer-grid{grid-template-columns:1fr 1fr}.mobile-cta{display:flex}.section{padding-top:70px;padding-bottom:70px}}
@media(max-width:580px){.wrap{padding-left:20px;padding-right:20px}.utility span{display:none}.grid4,.trust,.links-grid,.articles,.footer-grid{grid-template-columns:1fr}.hero{padding-top:58px;padding-bottom:58px}.hero h1,.pagehero h1{font-size:42px}.heading{gap:18px}.trust div{border-right:0}.links-grid a{border-right:0}.section{padding-top:58px;padding-bottom:58px}.pagehero{padding-top:55px;padding-bottom:55px}.content{padding-top:50px}.actions .btn{width:100%}body{padding-bottom:70px}}