:root{--ink:#10243b;--ink2:#0a1827;--blue:#1c5a9e;--blue2:#154578;--gold:#a67c2d;--bg:#f4f6f9;--card:#fff;--text:#1e2a38;--muted:#5d6b7b;--line:#d9e0e8;--r:4px}
*{box-sizing:border-box;margin:0;padding:0}
html{scroll-behavior:smooth}
body{font-family:"Segoe UI",system-ui,-apple-system,Roboto,Arial,sans-serif;color:var(--text);background:#fff;line-height:1.65;font-size:16px}
a{color:inherit;text-decoration:none}
h1,h2,h3{font-family:Georgia,"Times New Roman",serif;color:var(--ink);font-weight:700;line-height:1.25}
.wrap{max-width:1160px;margin:0 auto;padding:0 22px}
.topbar{background:var(--ink2);color:#b9c7d6;font-size:13px}
.topbar .wrap{display:flex;justify-content:space-between;gap:14px;flex-wrap:wrap;padding-top:8px;padding-bottom:8px}
.topbar a{color:#fff;font-weight:600}
header{background:#fff;border-bottom:1px solid var(--line);position:sticky;top:0;z-index:30}
header .wrap{display:flex;align-items:center;justify-content:space-between;gap:20px;height:78px}
.brand{display:flex;align-items:center;gap:12px}
.mark{width:42px;height:42px;background:var(--ink);color:#fff;display:grid;place-items:center;font-family:Georgia,serif;font-weight:700;font-size:20px;border-bottom:3px solid var(--gold)}
.brand b{display:block;font-family:Georgia,serif;font-size:18px;color:var(--ink);line-height:1.1}
.brand small{display:block;font-size:11px;letter-spacing:1.6px;text-transform:uppercase;color:var(--muted);margin-top:3px}
nav{display:flex;gap:28px;font-size:14.5px;font-weight:600;color:var(--ink)}
nav a{padding:6px 0;border-bottom:2px solid transparent}
nav a:hover{border-color:var(--gold)}
.btn{display:inline-block;background:var(--blue);color:#fff;font-weight:600;font-size:15px;padding:13px 26px;border:1px solid var(--blue);border-radius:var(--r);cursor:pointer;transition:.15s;letter-spacing:.2px}
.btn:hover{background:var(--blue2);border-color:var(--blue2)}
.btn.dark{background:var(--ink);border-color:var(--ink)}.btn.dark:hover{background:var(--ink2)}
.btn.line{background:transparent;color:#fff;border-color:#ffffff88}.btn.line:hover{background:#ffffff18}
.btn.line.d{color:var(--ink);border-color:var(--ink)}.btn.line.d:hover{background:var(--ink);color:#fff}
.hero{background:var(--ink);color:#fff;position:relative;overflow:hidden}
.hero:before{content:"";position:absolute;inset:0;background:repeating-linear-gradient(135deg,#ffffff06 0 2px,transparent 2px 26px)}
.hero .wrap{position:relative;display:grid;grid-template-columns:1.2fr .8fr;gap:50px;padding-top:76px;padding-bottom:84px;align-items:center}
.hero.sm .wrap{padding-top:54px;padding-bottom:58px}
.kicker{display:inline-block;font-size:12.5px;letter-spacing:2px;text-transform:uppercase;color:#d9b568;font-weight:700;margin-bottom:16px;padding-bottom:8px;border-bottom:1px solid #d9b56866}
.hero h1{color:#fff;font-size:clamp(30px,4.2vw,46px);margin-bottom:18px}
.hero p.lead{color:#c9d6e3;font-size:17.5px;max-width:580px;margin-bottom:26px}
.hero ul{list-style:none;margin-bottom:30px}
.hero li{padding-left:24px;position:relative;margin:8px 0;color:#dbe6f0}
.hero li:before{content:"";position:absolute;left:2px;top:.62em;width:8px;height:8px;background:#d9b568}
.cta{display:flex;gap:12px;flex-wrap:wrap}
.box{background:#fff;color:var(--text);padding:28px;border-top:4px solid var(--gold);box-shadow:0 18px 50px rgba(0,0,0,.28)}
.box h3{font-size:20px;margin-bottom:4px}
.box p.s{color:var(--muted);font-size:13.5px;margin-bottom:8px}
label{display:block;font-size:12.5px;font-weight:700;margin:12px 0 5px;color:var(--ink);text-transform:uppercase;letter-spacing:.6px}
input,select,textarea{width:100%;padding:11px 12px;border:1px solid var(--line);border-radius:var(--r);font:inherit;background:#fff;color:var(--text)}
input:focus,select:focus,textarea:focus{outline:2px solid #1c5a9e44;border-color:var(--blue)}
.box .btn{width:100%;margin-top:16px}
.note{font-size:12.5px;color:var(--muted);margin-top:10px}
.strip{background:var(--bg);border-bottom:1px solid var(--line)}
.strip .wrap{display:grid;grid-template-columns:repeat(4,1fr);gap:0}
.strip div.i{padding:22px 20px;border-right:1px solid var(--line)}
.strip div.i:last-child{border:0}
.strip b{display:block;color:var(--ink);font-family:Georgia,serif;font-size:16px}
.strip span{font-size:13.5px;color:var(--muted)}
section{padding:72px 0}
section.alt{background:var(--bg)}
.eyebrow{font-size:12.5px;letter-spacing:2px;text-transform:uppercase;color:var(--gold);font-weight:700}
h2{font-size:clamp(26px,3.2vw,34px);margin:8px 0 12px}
.sub{color:var(--muted);max-width:700px;margin-bottom:38px}
.rule{width:56px;height:3px;background:var(--gold);margin:14px 0 22px}
.grid{display:grid;gap:22px}
.g3{grid-template-columns:repeat(3,1fr)}.g4{grid-template-columns:repeat(4,1fr)}.g2{grid-template-columns:1fr 1fr}
.card{background:#fff;border:1px solid var(--line);border-top:3px solid var(--ink);padding:26px;transition:.15s}
.card:hover{box-shadow:0 12px 30px rgba(16,36,59,.12);border-top-color:var(--gold)}
.card .no{font-family:Georgia,serif;color:var(--gold);font-size:14px;font-weight:700;letter-spacing:1px;margin-bottom:8px}
.card h3{font-size:19px;margin-bottom:8px}
.card p{color:var(--muted);font-size:15px}
.card ul{list-style:none;margin:14px 0 4px}
.card li{font-size:14.5px;padding:7px 0 7px 18px;border-top:1px solid var(--line);position:relative}
.card li:before{content:"";position:absolute;left:0;top:1.05em;width:6px;height:6px;background:var(--blue)}
.step .no{font-size:30px;color:var(--ink);opacity:.18;font-family:Georgia,serif;font-weight:700}
.chips{display:flex;flex-wrap:wrap;gap:10px}
.chip{border:1px solid var(--line);background:#fff;padding:10px 18px;font-weight:600;font-size:14.5px;color:var(--ink)}
.mlist{display:grid;grid-template-columns:repeat(4,1fr);gap:0;border-top:1px solid var(--line);border-left:1px solid var(--line)}
.mlist a{padding:15px 16px;border-right:1px solid var(--line);border-bottom:1px solid var(--line);background:#fff;font-weight:600;color:var(--ink);font-size:14.5px;display:flex;justify-content:space-between;gap:8px}
.mlist a:after{content:"›";color:var(--gold);font-size:18px;line-height:1}
.mlist a:hover{background:var(--ink);color:#fff}
.mlist a.cur{background:var(--bg);color:var(--muted);pointer-events:none}
details{border:1px solid var(--line);background:#fff;padding:18px 22px;margin-bottom:10px}
summary{cursor:pointer;font-weight:700;color:var(--ink);list-style:none;display:flex;justify-content:space-between;gap:14px}
summary::-webkit-details-marker{display:none}
summary::after{content:"+";font-size:22px;color:var(--gold);line-height:1}
details[open] summary::after{content:"–"}
details p{margin-top:12px;color:var(--muted)}
.contact{display:grid;grid-template-columns:1fr 1fr;gap:44px}
.cinfo p{margin:10px 0}
.big{font-family:Georgia,serif;font-size:32px;font-weight:700;color:var(--ink);display:block}
.disc{background:#faf6ec;border-left:4px solid var(--gold);padding:16px 20px;font-size:14px;color:#5a4a26;margin-top:22px}
.bc{font-size:13px;color:#9fb3c8;margin-bottom:14px}.bc a:hover{color:#fff}
footer{background:var(--ink2);color:#9fb3c8;padding:54px 0 26px;font-size:14.5px}
footer .cols{display:grid;grid-template-columns:1.5fr 1fr 1fr;gap:36px;margin-bottom:30px}
footer h4{color:#fff;font-family:Georgia,serif;font-size:16px;margin-bottom:12px}
footer a{display:block;margin:7px 0}footer a:hover{color:#fff}
footer .legal{border-top:1px solid #ffffff1f;padding-top:18px;font-size:12.5px;line-height:1.75}
.sticky{position:fixed;bottom:0;left:0;right:0;z-index:40;display:none;box-shadow:0 -4px 16px rgba(0,0,0,.2)}
.sticky a{flex:1;text-align:center;padding:15px 8px;font-weight:700;color:#fff;letter-spacing:.5px}
.sticky .c{background:var(--ink)}.sticky .w{background:#1c7a4a}
@media(max-width:960px){
 .hero .wrap,.contact,footer .cols{grid-template-columns:1fr}
 .g3,.g4{grid-template-columns:1fr 1fr}.mlist{grid-template-columns:1fr 1fr}
 .strip .wrap{grid-template-columns:1fr 1fr}.strip div.i:nth-child(2){border-right:0}
 nav{display:none}.sticky{display:flex}body{padding-bottom:54px}
}
@media(max-width:580px){
 .g3,.g4,.g2{grid-template-columns:1fr}.mlist{grid-template-columns:1fr}
 section{padding:50px 0}.hero .wrap{padding-top:48px;padding-bottom:54px}
 header .wrap{height:68px}.brand small{display:none}
 .btn.hdr{display:none}
}