:root{--ink:#0e1a2b;--ink2:#2a3747;--mut:#5d6a7b;--line:#e2e6ec;--bg:#f3f5f8;--card:#fff;--navy:#0b1f3a;--navy2:#14305a;--acc:#1b4a86;--gold:#b8955a;--cream:#f3e7d3;
--serif:"Iowan Old Style","Palatino Linotype","Book Antiqua",Palatino,Georgia,serif;--sans:system-ui,-apple-system,"Segoe UI",Roboto,"Helvetica Neue",Arial,sans-serif}
*{box-sizing:border-box}html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;font:16px/1.6 var(--sans);color:var(--ink);background:#fff}
img,svg{max-width:100%;display:block}
a{color:var(--acc);text-underline-offset:3px}a:hover{color:var(--navy2)}
:focus-visible{outline:3px solid var(--gold);outline-offset:2px;border-radius:4px}
.skip{position:absolute;left:-999px;top:8px;background:#fff;color:var(--navy);padding:8px 12px;z-index:99}.skip:focus{left:8px}
.wrap{max-width:1120px;margin:0 auto;padding:0 22px}
h1,h2,h3{font-family:var(--serif);color:var(--navy);line-height:1.18;margin:0 0 .5em;font-weight:600;letter-spacing:-.005em}
h1{font-size:clamp(32px,5.2vw,54px)}h2{font-size:clamp(26px,3.4vw,36px)}h3{font-size:20px}
p{margin:0 0 1em}.lead{font-size:clamp(17px,1.8vw,19.5px);color:var(--ink2);max-width:640px}
.eyebrow{font:600 12.5px/1 var(--sans);letter-spacing:.14em;text-transform:uppercase;color:var(--gold);margin:0 0 16px}
/* header */
header.top{background:var(--navy);color:#fff;position:sticky;top:0;z-index:20;box-shadow:0 2px 10px rgba(11,31,58,.18)}
.bar{display:flex;align-items:center;justify-content:space-between;gap:16px;min-height:66px}
.brand{display:flex;align-items:center;gap:11px;color:#fff;text-decoration:none}
.brand .mk{width:38px;height:38px;flex:0 0 38px}
.brand b{display:block;font:600 17px/1.15 var(--serif);letter-spacing:.01em}.brand small{display:block;font-size:11.5px;color:#aeb9c9;letter-spacing:.06em;text-transform:uppercase}
nav.main{display:flex;align-items:center;gap:6px}
nav.main a{color:#dbe2ec;text-decoration:none;padding:8px 12px;border-radius:7px;font-size:15px}
nav.main a:hover,nav.main a[aria-current=page]{color:#fff;background:rgba(255,255,255,.08)}
nav.main a.signin{border:1px solid rgba(184,149,90,.7);color:#fff;margin-left:6px}
details.menu{display:none}
details.menu summary{list-style:none;cursor:pointer;color:#fff;padding:9px 12px;border:1px solid rgba(255,255,255,.25);border-radius:8px;font-size:14.5px}
details.menu summary::-webkit-details-marker{display:none}
details.menu[open] summary{background:rgba(255,255,255,.1)}
details.menu .drop{position:absolute;left:0;right:0;top:66px;background:var(--navy);border-top:1px solid rgba(255,255,255,.1);padding:8px 22px 18px;box-shadow:0 12px 24px rgba(0,0,0,.25)}
details.menu .drop a{display:block;color:#fff;text-decoration:none;padding:13px 2px;border-bottom:1px solid rgba(255,255,255,.08);font-size:17px}
details.menu .drop a.signin{color:var(--cream)}
@media (max-width:820px){nav.main{display:none}details.menu{display:block}}
/* buttons */
.btn{display:inline-flex;align-items:center;justify-content:center;gap:8px;min-height:48px;padding:12px 22px;border-radius:9px;font:600 16px/1.2 var(--sans);text-decoration:none;border:1px solid var(--navy);background:var(--navy);color:#fff;transition:background .12s}
.btn:hover{background:var(--navy2);color:#fff}
.btn.gold{background:var(--gold);border-color:var(--gold);color:#16120b}.btn.gold:hover{background:#c9a66b;color:#16120b}
.btn.ghost{background:transparent;color:#fff;border-color:rgba(255,255,255,.45)}.btn.ghost:hover{background:rgba(255,255,255,.08)}
.btn.line{background:#fff;color:var(--navy);border-color:#c9d1dc}.btn.line:hover{background:var(--bg);color:var(--navy)}
.ctas{display:flex;flex-wrap:wrap;gap:12px;margin-top:26px}
/* hero */
.hero{background:radial-gradient(1200px 500px at 85% -10%,#1d3f70 0,transparent 60%),var(--navy);color:#fff;padding:72px 0 80px;position:relative;overflow:hidden}
.hero h1{color:#fff;max-width:760px}.hero .lead{color:#c9d3e0}
.hero .frame{position:absolute;right:-60px;bottom:-60px;width:340px;height:340px;border:2px solid rgba(184,149,90,.35);border-radius:22px;transform:rotate(12deg)}
.hero .frame.f2{right:30px;bottom:40px;width:180px;height:180px;border-color:rgba(184,149,90,.22)}
.trust{display:flex;flex-wrap:wrap;gap:10px 22px;margin:34px 0 0;padding:0;list-style:none;color:#c9d3e0;font-size:14.5px}
.trust li::before{content:"";display:inline-block;width:7px;height:7px;border-radius:50%;background:var(--gold);margin-right:9px;vertical-align:2px}
.phero{padding:56px 0 52px}
/* sections */
section.s{padding:72px 0}section.alt{background:var(--bg)}
.grid3{display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.grid2{display:grid;grid-template-columns:repeat(2,1fr);gap:20px}
.card{background:var(--card);border:1px solid var(--line);border-radius:14px;padding:26px}
.card h3{margin-bottom:.4em}.card p:last-child{margin-bottom:0}.card p{color:var(--ink2)}
.ic{width:44px;height:44px;border-radius:11px;background:var(--navy);display:grid;place-items:center;margin-bottom:16px}
.ic svg{width:22px;height:22px;stroke:var(--cream);fill:none;stroke-width:1.8;stroke-linecap:round;stroke-linejoin:round}
.steps{counter-reset:st;list-style:none;padding:0;margin:0;display:grid;grid-template-columns:repeat(3,1fr);gap:20px}
.steps li{background:#fff;border:1px solid var(--line);border-radius:14px;padding:26px;position:relative}
.steps li::before{counter-increment:st;content:counter(st);display:grid;place-items:center;width:40px;height:40px;border-radius:50%;background:var(--gold);color:#16120b;font:700 18px/1 var(--serif);margin-bottom:16px}
.steps p{color:var(--ink2);margin:0}
.head{max-width:700px;margin-bottom:36px}
.split{display:grid;grid-template-columns:1.05fr 1fr;gap:48px;align-items:center}
.checks{list-style:none;padding:0;margin:0}
.checks li{padding:12px 0 12px 34px;border-bottom:1px solid var(--line);position:relative;color:var(--ink2)}
.checks li:last-child{border-bottom:0}
.checks li::before{content:"";position:absolute;left:4px;top:18px;width:14px;height:8px;border-left:2.5px solid var(--gold);border-bottom:2.5px solid var(--gold);transform:rotate(-45deg)}
.checks b{color:var(--ink)}
.panel{background:var(--navy);color:#dbe2ec;border-radius:16px;padding:30px;position:relative;overflow:hidden}
.panel h3{color:#fff}.panel .row{display:flex;justify-content:space-between;gap:16px;padding:12px 0;border-bottom:1px solid rgba(255,255,255,.1);font-size:15px}
.panel .row:last-child{border-bottom:0}.panel .row span:last-child{color:#fff;text-align:right}
.panel .tag{display:inline-block;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--cream);border:1px solid rgba(184,149,90,.6);border-radius:999px;padding:4px 10px;margin-bottom:14px}
.cta{background:var(--navy);color:#fff;border-radius:18px;padding:48px;display:flex;justify-content:space-between;align-items:center;gap:30px;flex-wrap:wrap}
.cta h2{color:#fff;margin:0 0 8px}.cta p{color:#c9d3e0;margin:0;max-width:560px}.cta .ctas{margin:0}
.faq details{border-bottom:1px solid var(--line);padding:4px 0}
.faq summary{cursor:pointer;font:600 18px/1.4 var(--serif);color:var(--navy);padding:16px 30px 16px 0;list-style:none;position:relative}
.faq summary::-webkit-details-marker{display:none}
.faq summary::after{content:"+";position:absolute;right:4px;top:12px;font:400 26px/1 var(--sans);color:var(--gold)}
.faq details[open] summary::after{content:"\2013"}
.faq details p{color:var(--ink2);margin:0 0 18px}
.prose{max-width:760px}.prose h2{font-size:24px;margin-top:1.6em}.prose p,.prose li{color:var(--ink2)}.prose ul{padding-left:1.2em}
.contact-list{list-style:none;padding:0;margin:0}.contact-list li{padding:16px 0;border-bottom:1px solid var(--line)}.contact-list li:last-child{border:0}
.contact-list .k{display:block;font-size:12.5px;letter-spacing:.1em;text-transform:uppercase;color:var(--mut);margin-bottom:2px}
.contact-list a,.contact-list .v{font:600 19px/1.4 var(--serif);color:var(--navy);text-decoration:none;overflow-wrap:anywhere}
.contact-list a:hover{text-decoration:underline}
/* footer */
footer.foot{background:#08172c;color:#aeb9c9;padding:52px 0 34px;font-size:14.5px}
.fgrid{display:grid;grid-template-columns:1.4fr 1fr 1fr;gap:32px}
footer.foot h4{color:#fff;font:600 13px/1 var(--sans);letter-spacing:.12em;text-transform:uppercase;margin:4px 0 14px}
footer.foot a{color:#dbe2ec;text-decoration:none}footer.foot a:hover{color:#fff;text-decoration:underline}
footer.foot ul{list-style:none;padding:0;margin:0}footer.foot li{margin:0 0 9px}
.disc{border-top:1px solid rgba(255,255,255,.1);margin-top:36px;padding-top:22px;font-size:13px;line-height:1.6;color:#94a3b8}
.disc p{margin:0 0 8px}
@media (max-width:900px){.grid3,.steps{grid-template-columns:1fr}.split{grid-template-columns:1fr;gap:28px}.fgrid{grid-template-columns:1fr 1fr}.fgrid>div:first-child{grid-column:1/-1}}
@media (max-width:600px){.wrap{padding:0 18px}.hero{padding:48px 0 56px}section.s{padding:52px 0}.grid2{grid-template-columns:1fr}.cta{padding:30px 24px}.cta>div{width:100%}.btn{width:100%}.ctas{flex-direction:column}.hero .frame{display:none}.card,.steps li{padding:22px}.fgrid{grid-template-columns:1fr}.brand small{display:none}}