:root{
  --navy:#0A2238; --navy-deep:#071A2B; --navy-mid:#172E43;
  --gold:#B8862F; --gold-ink:#8A6420; --gold-soft:#B69D74; --gold-light:#D9B65C;
  --cream:#FBF9F3; --cream-2:#F6F3EA; --rule:#E4DECC;
  --ink:#0E1F47; --body:#3A3A3A; --muted:#5C6874; --muted-dark:#9FB0C0;
  --serif:'Newsreader',Georgia,'Times New Roman',serif;
  --sans:'Inter',system-ui,-apple-system,'Segoe UI','Helvetica Neue',Arial,sans-serif;
}
*,*::before,*::after{box-sizing:border-box}
html{-webkit-text-size-adjust:100%;scroll-behavior:smooth}
body{margin:0;background:var(--cream);color:var(--body);font-family:var(--sans);font-size:17px;line-height:1.65;-webkit-font-smoothing:antialiased}
h1,h2,h3,h4{font-family:var(--serif);font-weight:500;color:var(--ink);margin:0;letter-spacing:-.015em;text-wrap:balance}
h1{font-size:clamp(32px,5vw,56px);line-height:1.05}
h2{font-size:clamp(25px,3.2vw,34px);line-height:1.18}
h3{font-size:clamp(18px,2vw,21px);line-height:1.3}
p{margin:0 0 1em;text-wrap:pretty}
p:last-child{margin-bottom:0}
a{color:var(--gold-ink);text-decoration:none}
a:hover,a:focus-visible{color:var(--navy);text-decoration:underline}
ul,ol{margin:0;padding:0;list-style:none}
img,svg{max-width:100%}
:focus-visible{outline:2px solid var(--gold);outline-offset:2px}
.skip{position:absolute;left:-9999px;top:0;background:#fff;padding:12px 18px;z-index:100}
.skip:focus{left:8px;top:8px}
.wrap{max-width:1240px;margin:0 auto;padding:0 clamp(20px,4vw,40px)}
.wrap.narrow>*{max-width:980px}
.eyebrow{font-size:11.5px;font-weight:600;letter-spacing:.18em;text-transform:uppercase;color:var(--gold-ink);margin:0 0 18px}
.eyebrow.od{color:var(--gold-light)}
.lede{font-size:clamp(17px,1.5vw,19px);line-height:1.6;color:#41505F}
.sec{padding:clamp(52px,7vw,92px) 0}
.dark{background:var(--navy);color:#C9D4DE}
.dark h1,.dark h2,.dark h3{color:#fff}
.dark .formcard h1,.dark .formcard h2,.dark .formcard h3,.dark .card:not([style*="var(--navy)"]) h3{color:var(--ink)}
.formcard h2,.formcard h3{color:var(--ink)}
.dark a{color:var(--gold-light)}
.dark a:hover{color:#fff}
.dark .lede{color:#C9D4DE}
.panel{background:var(--cream-2)}
.bt{border-top:1px solid var(--rule)}
hr.rule{height:1px;background:var(--rule);border:0;margin:0}
.small{font-size:14.5px;line-height:1.58}
.micro{font-size:12.5px;line-height:1.55;color:#6B7885}
.dark .micro{color:#8E9EAD}
.num{font-family:var(--serif);font-size:13px;font-weight:600;letter-spacing:.14em;color:var(--gold)}
.dark .num{color:var(--gold-light)}
.btn{display:inline-flex;align-items:center;justify-content:center;gap:10px;min-height:50px;padding:14px 26px;font-family:var(--sans);font-size:15px;font-weight:600;border:1px solid transparent;border-radius:2px;cursor:pointer;text-decoration:none;transition:background .15s,color .15s,border-color .15s}
.btn:hover,.btn:focus-visible{text-decoration:none}
.btn-primary{background:var(--gold);color:var(--navy)}
.btn-primary:hover,.btn-primary:focus-visible{background:#CB9A3D;color:var(--navy)}
.btn-ghost{background:transparent;color:#E6D6AE;border-color:rgba(217,182,92,.45)}
.btn-ghost:hover,.btn-ghost:focus-visible{border-color:var(--gold-light);color:#fff}
.btn-outline{background:transparent;color:var(--navy);border-color:#B9C2CC}
.btn-outline:hover,.btn-outline:focus-visible{border-color:var(--navy);color:var(--navy)}
.btn-sm{min-height:42px;padding:10px 20px;font-size:14px}
.card{background:#fff;border:1px solid var(--rule);padding:clamp(22px,2.5vw,32px)}
.grid{display:grid;gap:clamp(18px,2.2vw,28px)}
.g2{grid-template-columns:repeat(2,minmax(0,1fr))}
.g3{grid-template-columns:repeat(3,minmax(0,1fr))}
.g4{grid-template-columns:repeat(4,minmax(0,1fr))}
.g5{grid-template-columns:repeat(5,minmax(0,1fr))}
.stack{display:flex;flex-direction:column}
.split{display:grid;grid-template-columns:1.15fr .85fr;gap:clamp(28px,4vw,64px);align-items:start}
.split-even{display:grid;grid-template-columns:.85fr 1.15fr;gap:clamp(28px,4vw,56px);align-items:start}
.pill{display:inline-flex;align-items:center;gap:8px;padding:7px 13px;border:1px solid var(--rule);background:#fff;font-size:13px;color:#41505F;border-radius:2px}
.dark .pill{background:rgba(255,255,255,.04);border-color:rgba(255,255,255,.14);color:#C9D4DE}
blockquote{margin:0;padding:18px 0 18px 24px;border-left:3px solid var(--gold);font-family:var(--serif);font-size:clamp(17px,1.7vw,19px);line-height:1.5;color:var(--ink)}
.dark blockquote{color:#fff}
blockquote cite{display:block;margin-top:10px;font-family:var(--sans);font-size:12.5px;font-style:normal;letter-spacing:.06em;text-transform:uppercase;color:var(--gold-ink)}
.dark blockquote cite{color:var(--gold-light)}
.answer{font-size:clamp(17px,1.5vw,19px);line-height:1.6;color:#41505F;border-left:3px solid var(--gold);padding-left:22px;margin:0 0 28px;max-width:76ch}
.callout{padding:24px 28px;background:var(--cream-2);border-left:3px solid var(--gold)}
.callout-w{padding:24px 28px;background:#fff;border:1px solid var(--rule)}
/* header */
.util{background:var(--navy-deep);color:#9FB0C0;font-size:12.5px}
.util .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;padding-top:11px;padding-bottom:11px;flex-wrap:wrap}
.util a{color:#9FB0C0;display:inline-flex;align-items:center;gap:7px}
.util a:hover{color:var(--gold-light);text-decoration:none}
.util-tag{letter-spacing:.13em;text-transform:uppercase;font-size:11px;font-weight:600;color:#7E8FA0}
.nav{background:var(--navy);border-top:1px solid rgba(255,255,255,.07);position:sticky;top:0;z-index:40}
.nav .wrap{display:flex;align-items:center;gap:20px;padding-top:12px;padding-bottom:0}
.mark{display:flex;align-items:center;gap:12px;padding-bottom:12px;text-decoration:none}
.mark:hover{text-decoration:none}
.markbox{width:38px;height:38px;flex:0 0 auto;border:1px solid rgba(217,182,92,.55);display:flex;align-items:center;justify-content:center;font-family:var(--serif);font-size:14px;letter-spacing:.06em;color:var(--gold-light)}
.mark-name{font-family:var(--serif);font-size:19px;color:#fff;letter-spacing:-.01em;line-height:1.15}
.mark-sub{font-size:10.5px;letter-spacing:.14em;text-transform:uppercase;color:#8E9EAD;white-space:nowrap}
.navlinks{display:flex;align-items:center;gap:2px;margin-left:auto}
.navlink{display:inline-flex;align-items:center;min-height:52px;padding:0 11px;font-size:13.5px;font-weight:500;color:#C9D4DE;white-space:nowrap;text-decoration:none;border-bottom:2px solid transparent}
.navlink:hover,.navlink:focus-visible{color:#fff;text-decoration:none;border-bottom-color:rgba(217,182,92,.5)}
.navlink[aria-current="page"]{color:#fff;border-bottom-color:var(--gold)}
.navcta{margin-bottom:8px;flex:0 0 auto}
.burger{display:none;margin-left:auto;align-items:center;justify-content:center;width:48px;height:48px;margin-bottom:8px;background:none;border:1px solid rgba(255,255,255,.18);border-radius:2px;color:#fff;cursor:pointer}
.mobmenu{display:none;background:var(--navy-deep);border-top:1px solid rgba(255,255,255,.08);padding:6px clamp(20px,4vw,40px) 20px}
.mobmenu.open{display:block}
.mobmenu a{display:flex;align-items:center;min-height:52px;color:#C9D4DE;font-size:16px;border-bottom:1px solid rgba(255,255,255,.07);text-decoration:none}
.mobmenu .btn{margin-top:16px;width:100%}
/* forms */
.formcard{background:#fff;border:1px solid var(--rule);box-shadow:0 18px 44px rgba(7,26,43,.16);padding:clamp(22px,2.6vw,30px)}
.field{display:flex;flex-direction:column;gap:7px;margin-bottom:14px}
.lbl{font-size:12px;font-weight:600;letter-spacing:.1em;text-transform:uppercase;color:var(--muted)}
.inp{min-height:48px;padding:12px 13px;font-family:var(--sans);font-size:16px;color:var(--ink);background:#fff;border:1px solid #D6CFBC;border-radius:2px;width:100%}
.inp:focus{border-color:var(--gold);outline:none;box-shadow:0 0 0 3px rgba(184,134,47,.15)}
textarea.inp{min-height:100px;resize:vertical}
.fgrid{display:grid;grid-template-columns:1fr 1fr;gap:0 14px}
.hp{position:absolute;left:-9999px}
/* table */
.tblwrap{overflow-x:auto;-webkit-overflow-scrolling:touch}
table.tbl{border-collapse:collapse;width:100%;min-width:720px;font-size:14.5px;background:#fff;border:1px solid var(--rule)}
.tbl th{text-align:left;padding:14px 16px;background:var(--navy);color:#fff;font-weight:600;font-size:12px;letter-spacing:.09em;text-transform:uppercase;vertical-align:bottom}
.tbl td{padding:14px 16px;border-top:1px solid #EDE7D8;vertical-align:top;line-height:1.5}
.tbl tbody tr:nth-child(even) td{background:#FCFAF5}
.tbl td:first-child{font-weight:600;color:var(--ink)}
.cap{font-size:12.5px;color:#6B7885;margin-top:10px}
/* faq */
.faq{border-top:1px solid var(--rule)}
.faq details{border-bottom:1px solid var(--rule)}
.faq summary{display:flex;align-items:flex-start;justify-content:space-between;gap:24px;min-height:64px;padding:20px 0;cursor:pointer;list-style:none;font-family:var(--serif);font-size:clamp(17px,1.8vw,19px);font-weight:500;color:var(--ink);line-height:1.35}
.faq summary::-webkit-details-marker{display:none}
.faq summary:hover{color:var(--gold-ink)}
.faq summary::after{content:"+";font-family:var(--sans);font-size:20px;color:var(--gold);line-height:1;flex:0 0 auto;padding-top:2px}
.faq details[open] summary::after{content:"\2212"}
.faq .a{padding:0 0 24px;font-size:16px;line-height:1.68;color:#41505F;max-width:860px}
/* footer */
.foot{background:#071A2B;color:#C9D4DE}
.foot a{color:#C9D4DE;text-decoration:none}
.foot a:hover{color:var(--gold-light);text-decoration:underline}
.footgrid{display:grid;grid-template-columns:1.6fr 1fr 1fr 1fr;gap:clamp(28px,3.5vw,44px);align-items:start}
.foot-h{font-size:11.5px;font-weight:600;letter-spacing:.16em;text-transform:uppercase;color:#8E9EAD;display:block;margin-bottom:11px}
.foot-legal p{margin:0 0 12px}
.crumb{font-size:12.5px;color:#6B7885}
.dark .crumb,.crumb.od{color:#7E8FA0}
.crumb a{color:inherit}
.linkrow a{color:var(--gold-ink)}
@media (max-width:1180px){
  .navlinks{display:none}
  .navcta{display:none}
  .burger{display:flex}
  .nav .wrap{padding-bottom:0}
}
@media (max-width:980px){
  .split,.split-even{grid-template-columns:1fr}
  .g4,.g5{grid-template-columns:repeat(2,minmax(0,1fr))}
  .g3{grid-template-columns:1fr}
  .footgrid{grid-template-columns:1fr 1fr}
}
@media (max-width:720px){
  .g2,.g3,.g4,.g5{grid-template-columns:1fr}
  .fgrid{grid-template-columns:1fr}
  .footgrid{grid-template-columns:1fr}
  .util .wrap{gap:8px}
  .util-tag{display:none}
  .btn{width:100%}
  .btnrow .btn{width:100%}
}
.btnrow{display:flex;gap:14px;flex-wrap:wrap}
@media print{.nav,.util,.mobmenu,.formcard{display:none}}