:root{
  --ink:#1b2430; --muted:#5a6573; --line:#e3e6ea; --bg:#ffffff; --soft:#f5f6f4;
  --navy:#1f3a5f; --navy-2:#16304f; --gold:#a8833e; --ok:#2f6b4f;
  --radius:10px; --max:1080px;
}
*{box-sizing:border-box}
html{-webkit-text-size-adjust:100%}
body{margin:0;font:17px/1.65 -apple-system,BlinkMacSystemFont,"Segoe UI",Roboto,Helvetica,Arial,sans-serif;color:var(--ink);background:var(--bg)}
h1,h2,h3{font-family:"Source Serif 4",Georgia,"Times New Roman",serif;line-height:1.2;color:var(--navy-2);margin:1.6em 0 .5em}
h1{font-size:clamp(30px,4.4vw,44px);margin-top:.2em}
h2{font-size:clamp(23px,2.8vw,29px)}
h3{font-size:20px}
p,ul,ol{margin:0 0 1em}
a{color:var(--navy)}
a:hover{color:var(--gold)}
.wrap{max-width:var(--max);margin:0 auto;padding:0 16px}
.skip{position:absolute;left:-999px}.skip:focus{left:8px;top:8px;background:#fff;padding:8px;z-index:9}
/* header */
.top{border-bottom:1px solid var(--line);background:#fff;position:sticky;top:0;z-index:5}
.top .wrap{display:flex;align-items:center;justify-content:space-between;gap:12px;min-height:64px}
.brand{font-family:"Source Serif 4",Georgia,serif;font-weight:600;font-size:20px;color:var(--navy-2);text-decoration:none;line-height:1.1}
.brand small{display:block;font-family:inherit;font-size:12px;letter-spacing:.08em;text-transform:uppercase;color:var(--gold);font-weight:600}
nav ul{list-style:none;display:flex;gap:18px;margin:0;padding:0}
nav a{text-decoration:none;color:var(--ink);font-size:15px}
nav a:hover{color:var(--gold)}
.cta{display:inline-block;background:var(--navy);color:#fff!important;text-decoration:none;padding:10px 16px;border-radius:8px;font-weight:600;font-size:15px;border:0;cursor:pointer}
.cta:hover{background:var(--navy-2)}
.cta.alt{background:#fff;color:var(--navy)!important;border:1px solid var(--navy)}
.menu-btn{display:none;background:none;border:1px solid var(--line);border-radius:8px;padding:8px 10px;font-size:15px}
@media (max-width:860px){
  nav{display:none;position:absolute;top:64px;left:0;right:0;background:#fff;border-bottom:1px solid var(--line)}
  nav.open{display:block}
  nav ul{flex-direction:column;gap:0;padding:8px 16px}
  nav li a{display:block;padding:10px 0;border-bottom:1px solid var(--line)}
  .menu-btn{display:block}
  .top .cta{display:none}
}
/* hero */
.hero{background:linear-gradient(180deg,#f3f5f8,#fff);border-bottom:1px solid var(--line)}
.hero .wrap{padding-top:48px;padding-bottom:44px}
.hero p.lead{font-size:20px;color:var(--muted);max-width:720px}
.hero .actions{display:flex;flex-wrap:wrap;gap:12px;margin-top:18px}
.eyebrow{font-size:13px;letter-spacing:.1em;text-transform:uppercase;color:var(--gold);font-weight:700;margin:0 0 6px}
/* layout */
main{padding-bottom:48px}
.content{max-width:760px}
.grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(240px,1fr));gap:16px;margin:20px 0}
.card{border:1px solid var(--line);border-radius:var(--radius);padding:18px 18px 8px;background:#fff}
.card h3{margin-top:0}
.card a.more{font-weight:600;text-decoration:none}
.band{background:var(--soft);border-top:1px solid var(--line);border-bottom:1px solid var(--line);padding:8px 0 24px;margin-top:40px}
.note{background:#fbf7ee;border-left:4px solid var(--gold);padding:12px 16px;border-radius:6px;margin:1.2em 0}
.crumbs{font-size:14px;color:var(--muted);margin:18px 0 0}
.crumbs a{color:var(--muted)}
table{width:100%;border-collapse:collapse;margin:0 0 1.2em;font-size:16px}
th,td{border-bottom:1px solid var(--line);padding:8px 6px;text-align:left;vertical-align:top}
th{color:var(--navy-2)}
.table-scroll{overflow-x:auto}
details{border:1px solid var(--line);border-radius:8px;padding:10px 14px;margin:0 0 10px;background:#fff}
summary{cursor:pointer;font-weight:600;color:var(--navy-2)}
details p{margin:.6em 0 .2em}
/* forms */
form .row{display:grid;grid-template-columns:1fr 1fr;gap:12px}
@media (max-width:640px){form .row{grid-template-columns:1fr}}
label{display:block;font-weight:600;font-size:15px;margin:10px 0 4px}
input,select,textarea{width:100%;font:inherit;padding:10px 12px;border:1px solid #c9ced5;border-radius:8px;background:#fff}
textarea{min-height:120px}
.check{display:flex;gap:10px;align-items:flex-start;font-weight:400;font-size:14px;color:var(--muted)}
.check input{width:auto;margin-top:5px}
.hp{position:absolute;left:-5000px}
.calc{border:1px solid var(--line);border-radius:var(--radius);padding:18px;background:var(--soft);margin:1.2em 0}
.calc output{display:block;font-size:22px;font-weight:700;color:var(--navy-2);margin-top:8px}
/* placeholders: visible on purpose until launch */
.ph{color:#4a3800;background:#fff3c4;outline:1px dashed #c99a00;padding:0 3px}
/* footer */
footer{background:var(--navy-2);color:#d7dde6;font-size:14px;padding:32px 0}
footer a{color:#fff}
footer .cols{display:grid;grid-template-columns:repeat(auto-fit,minmax(200px,1fr));gap:20px}
footer h4{color:#fff;margin:0 0 8px;font-size:15px}
footer ul{list-style:none;padding:0;margin:0}
footer .legal{border-top:1px solid #36506f;margin-top:20px;padding-top:14px;color:#aab6c6}
.callbar{display:none}
@media (max-width:640px){
  .callbar{display:flex;position:fixed;bottom:0;left:0;right:0;background:#fff;border-top:1px solid var(--line);padding:8px 12px;gap:8px;z-index:6}
  .callbar a{flex:1;text-align:center}
  body{padding-bottom:64px}
}