:root{--navy:#17384d;--dark:#102836;--gold:#c99a48;--cream:#f7f4ed;--text:#26343e;--muted:#66747d;--white:#fff;--border:#dce3e7;--shadow:0 14px 35px rgba(16,40,54,.12);--radius:18px;--max:1180px}
*{box-sizing:border-box;margin:0;padding:0}html{scroll-behavior:smooth}body{font-family:Arial,Helvetica,sans-serif;color:var(--text);line-height:1.68;background:#fff}a{text-decoration:none;color:inherit}img{max-width:100%;display:block}.container{width:min(92%,var(--max));margin:auto}.section{padding:82px 0}.alt{background:var(--cream)}h1,h2,h3,h4{color:var(--dark);line-height:1.2}h1{font-size:clamp(2.35rem,5vw,4.35rem);max-width:900px}h2{font-size:clamp(1.9rem,3.4vw,2.85rem);margin-bottom:18px}h3{font-size:1.35rem;margin-bottom:10px}p{margin-bottom:16px}.lead{font-size:1.12rem;color:#45545f;max-width:790px}.eyebrow{display:inline-block;color:#9c6d20;font-weight:800;font-size:.82rem;letter-spacing:.12em;text-transform:uppercase;margin-bottom:10px}.btns{display:flex;flex-wrap:wrap;gap:13px;margin-top:26px}.btn{display:inline-flex;align-items:center;justify-content:center;min-height:50px;padding:12px 22px;border-radius:999px;font-weight:800;border:2px solid transparent;transition:.2s;cursor:pointer}.primary{background:var(--gold);color:var(--dark)}.primary:hover{transform:translateY(-2px);background:#d8ad62}.outline{border-color:var(--navy);color:var(--navy)}.outline:hover{background:var(--navy);color:#fff}.light{border-color:#fff;color:#fff}.topbar{background:var(--dark);color:#fff;font-size:.9rem;position:sticky;top:0;z-index:1100}.topbar .container{min-height:44px;display:flex;justify-content:space-between;align-items:center;gap:14px}.top-contact{white-space:nowrap}.top-actions{display:flex;align-items:center;gap:8px;margin-left:auto}.top-actions .btn{min-height:32px;padding:6px 12px;font-size:.78rem;white-space:nowrap}.top-actions .outline{border-color:#fff;color:#fff}.top-actions .outline:hover{background:#fff;color:var(--dark)}.header{position:sticky;top:44px;z-index:1000;background:rgba(255,255,255,.97);border-bottom:1px solid rgba(16,40,54,.09);backdrop-filter:blur(10px)}.nav{min-height:78px;display:flex;align-items:center;justify-content:space-between;gap:24px}.brand{display:inline-flex;flex-direction:column;align-items:center;gap:0;color:var(--dark)}.logo{width:220px;height:auto;display:block;object-fit:contain;flex:0 0 auto}.links{display:flex;gap:21px;align-items:center;font-weight:700;font-size:.94rem}.links a,.navbtn .btn{white-space:nowrap}.links a:hover,.links a[aria-current="page"]{color:#9c6d20}.navbtn{display:flex;gap:10px}.menu{display:none;border:0;background:none;font-size:1.7rem;color:var(--dark)}.pagehero{padding:110px 0 96px;background:linear-gradient(90deg,rgba(10,30,43,.93),rgba(16,40,54,.77)),url('images/page-hero.jpg') center/cover;color:#fff}.pagehero h1,.pagehero p{color:#fff}.pagehero .eyebrow{color:#f1cf91}.pagehero p{max-width:790px;font-size:1.14rem;margin-top:18px}.breadcrumbs{font-size:.9rem;margin-bottom:20px;color:#dbe7ed}.breadcrumbs a{color:#f1cf91}.two{display:grid;grid-template-columns:1.05fr .95fr;gap:54px;align-items:start}.grid{display:grid;grid-template-columns:repeat(3,1fr);gap:23px}.grid.two-grid{grid-template-columns:repeat(2,1fr)}.card{background:#fff;border:1px solid var(--border);border-radius:var(--radius);padding:26px;box-shadow:0 8px 24px rgba(16,40,54,.05)}.card h3{margin-bottom:10px}.icon{width:48px;height:48px;border-radius:12px;display:grid;place-items:center;background:var(--cream);color:#9c6d20;font-weight:900;margin-bottom:18px}.ticks{list-style:none;display:grid;gap:11px;margin:22px 0}.ticks li{padding-left:28px;position:relative}.ticks li:before{content:'✓';position:absolute;left:0;color:#9c6d20;font-weight:900}.steps{counter-reset:step;display:grid;gap:18px}.step{position:relative;padding:22px 22px 22px 75px;border:1px solid var(--border);border-radius:14px;background:#fff}.step:before{counter-increment:step;content:counter(step);position:absolute;left:20px;top:20px;width:38px;height:38px;border-radius:50%;display:grid;place-items:center;background:var(--navy);color:#fff;font-weight:900}.callout{background:var(--navy);color:#fff;border-radius:22px;padding:34px}.callout h2,.callout h3,.callout p{color:#fff}.callout .eyebrow{color:#f1cf91}.notice{border-left:5px solid var(--gold);background:var(--cream);padding:20px 22px;border-radius:0 12px 12px 0}.faq{max-width:920px;border-top:1px solid var(--border)}details{border-bottom:1px solid var(--border);padding:20px 0}summary{font-weight:800;color:var(--dark);cursor:pointer}.form{display:grid;grid-template-columns:repeat(2,1fr);gap:15px}.field{display:flex;flex-direction:column;gap:6px}.full{grid-column:1/-1}.form input,.form select,.form textarea{width:100%;border:1px solid #cfd9df;border-radius:10px;padding:13px 14px;background:#fff}.form textarea{min-height:145px}label{font-weight:700;color:var(--dark)}.cta{background:var(--gold)}.cta-inner{display:grid;grid-template-columns:1fr auto;align-items:center;gap:30px}.resource-list{display:grid;gap:14px}.resource-link{display:block;border:1px solid var(--border);border-radius:14px;padding:19px 22px;background:#fff}.resource-link strong{display:block;color:var(--dark)}.resource-link span{color:var(--muted);font-size:.94rem}.legal h2{font-size:1.65rem;margin-top:34px}.legal ul{padding-left:22px;margin-bottom:18px}.legal li{margin-bottom:8px}footer{background:var(--dark);color:#dce8ed;padding:62px 0 24px}.footer-grid{display:grid;grid-template-columns:1.4fr repeat(3,1fr);gap:36px}.footer-grid h3,.footer-grid h4{color:#fff;margin-bottom:12px}.footer-grid a{display:block;margin-bottom:7px}.footer-bottom{border-top:1px solid rgba(255,255,255,.15);margin-top:36px;padding-top:20px;display:flex;justify-content:space-between;gap:15px;flex-wrap:wrap;font-size:.85rem}.mobile-actions{display:none}
@media(max-width:1024px){.links,.navbtn{display:none}.menu{display:block}.links.open{display:flex;position:absolute;top:78px;left:0;right:0;flex-direction:column;align-items:flex-start;background:#fff;padding:24px 4%;box-shadow:var(--shadow)}.grid,.grid.two-grid{grid-template-columns:repeat(2,1fr)}.two,.cta-inner{grid-template-columns:1fr}.footer-grid{grid-template-columns:repeat(2,1fr)}}
@media(max-width:700px){.topbar{display:none}.header{top:0}.section{padding:62px 0}.pagehero{padding:84px 0 72px}.grid,.grid.two-grid,.form,.footer-grid{grid-template-columns:1fr}.full,.field{grid-column:1/-1}.btns{flex-direction:column}.mobile-actions{position:fixed;z-index:1200;bottom:0;left:0;right:0;display:grid;grid-template-columns:repeat(3,1fr);background:var(--dark)}.mobile-actions a{padding:12px 8px;color:#fff;text-align:center;font-weight:800;font-size:.85rem}body{padding-bottom:48px}}